Debtor Protection and Business Dynamism
Geraldo Cerqueiro, Maria F. Penas, Robert Seamans
Journal of Law and Economics, vol. 62, 2019, p. 521-549.

How Does Personal Bankruptcy Law Affect Startups?
Geraldo Cerqueiro, Maria F. Penas
Review of Financial Studies, vol. 30, 2017, p. 2523-2554.

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.