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Karlan D, Zinman J. 2011. Microcredit in theory and practice: Using randomized credit scoring for impact evaluation. Science. 332:1278–1284.
Karlan D, Zinman J. 2009. Expanding credit access: Using randomized supply decisions to estimate the impacts. Review of Financial studies. :hhp092.
Karlan D, Valdivia M. 2011. Teaching entrepreneurship: Impact of business training on microfinance clients and institutions. Review of Economics and Statistics. 93:510–527.