Market Size Structure and Small Business Lending: Are Crisis Times Different from Normal Times?
Allen Berger, Geraldo Cerqueiro, Maria F. Penas
Review Of Finance, vol. 19, 2015, p. 1965-1995.

Does Debtor Protection Really Protect Debtors? Evidence from the Small Business Credit Market
Allen Berger, Geraldo Cerqueiro, Maria F. Penas
Journal of Banking and Finance, vol. 35, 2011, p. 1843-1857.

To What Extent Will the Banking Industry Be Globalized? A Study of Bank Nationality and Reach in 20 European Nations
Allen Berger, Qinglei Dai, Steven Ongena, David Smith
Journal of Banking and Finance, vol. 27, 2003, p. 383-415.