1. Alessie R, Devereux MP, Weber G (1997) Intertemporal consumption, durables and liquidity constraints: a cohort analysis. Eur Econ Rev 41:1
2. Ando A, Modigliani F (1957) Tests of the life-cycle hypothesis of savings: comments and suggestions. Bull Oxf Inst Stat 19:99–124
3. Attanasio O (1999) Consumption. In: Taylor JB, Woodford M (eds) Handbook of macroeconomics, Elsevier, Amsterdam
4. Bianco M, Jappelli T, Pagano M (2002) Courts and banks: effects of judicial enforcement on credit markets, CSEF - Centre for studies in economics and finance, Working paper, n.58
5. Bridges S, Disney R (2004) Use of credit and arrears on debt among low-income families in the United Kingdom. Fiscal Stud 25:1