Representative Publications

"Do Equally Owned Small Businesses Have Equal Access to Credit?" (2006) Small Business Economics (December) 27: 369-386.

"An Exploration of Small Business' Usage of Personal Credit Cards," (2007), chapter in Financial Instruments for Households: Credit Usage from Mortgages to Credit Cards, B. Ambrose and S. Agarwal (eds.), New York: Palgrave-Macmillan Publishing