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You can pick your friends, but you need to watch them :

Bryan, Gharad T

You can pick your friends, but you need to watch them : Loan screening and enforcement in a referrals field experiment / Gharad T. Bryan, Dean Karlan and Jonathan Zinman - Cambridge NBER 2012 - 39p - NBER Working Paper ; 17883 .

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NBERWP 17883
E7532.pdf

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