@article{GleisnerHackethal2006,
  author    = {Fabian Gleisner and Andreas Hackethal},
  title     = {SMEs view on german banks credit process},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2006},
  number    = {1},
  pages     = {4 -- 5},
  year      = {2006},
}