@article{Gumus2020, author = "Atilla Gumus", title = "{Essays on consumer finance: analysis of consumer bankruptcy and credit access}", year = "2020", month = "3", url = "https://repository.lboro.ac.uk/articles/thesis/Essays_on_consumer_finance_analysis_of_consumer_bankruptcy_and_credit_access/11874156", doi = "10.26174/thesis.lboro.11874156.v1" }