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Jain, S. (1999) Symbiosis vs. Crowding-Out: The Interaction of Formal and Informal Credit Markets in Developing Countries. Journal of Development Economics, 59, 419-444.
http://www.sciencedirect.com/science/article/pii/S030438789900019X
https://doi.org/10.1016/S0304-3878(99)00019-X

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