Differentiated Impact of Spread Determinants by Personal Loan Category: Evidence from the Brazilian Banking Sector
  	  Jose Valente,
  	  Mario Augusto,
  	  José Murteira
	International Review Of Economics And Finance, 
vol. 89, 2024, p. 299-315.
Bargaining Power and Renegotiation of Small Private Debt Contracts
  	  Jose Valente,
  	  Mario Augusto,
  	  José Murteira
	Annals of Finance, 
vol. 18, 2022, p. 485-510.