Defaults in bank loans to SMEs during the financial crisis.
Fabio Duarte , Ana Paula Matias Gama, Mohamed Azzim Gulamhussen
Small Business Economics, vol. 51, 2018, p. 591-608.

Collateral-Based in SME Lending: The Role of Business Collateral and Personal Collateral in Less-Developed Countries
Fabio Duarte , Ana Paula Matias Gama, José Paulo Esperança
Research In International Business And Finance, vol. 39, 2017, p. 406-422.

Why Discouraged Borrowers Exist? An Empirical (Re)examination from Less Developed Countries
Ana Paula Matias Gama, Fabio Duarte , José Paulo Esperança
Emerging Markets Review, vol. 33, 2017, p. 19-41.

The Role of Collateral in the Credit Acquisition Process: Evidence from SME Lending
Fabio Duarte , Ana Paula Matias Gama, José Paulo Esperança
Journal Of Business Finance And Accounting, vol. 43, 2016, p. 693-728.