@article {SME2013,
title = {SME Credit Constraints and Macroeconomic Effects},
year = {2013},
url = {https://www.esri.ie/publications/sme-credit-constraints-and-macroeconomic-effects},
author = {Gerlach-Kristen, P., O'Connell, B., and O'Toole, C.},
journal = {ESRI Working Paper 467},
}