@book { FinancialMarketsforSmallEnterprisesinUrbanandRuralNorthernThailand,
    title = "Financial Markets for Small Enterprises in Urban and Rural Northern Thailand",
    subtitle = "Empirical Analysis on the Demand for and Supply of Financial Services, with Particular Emphasis on the Determinants of Credit Access and Borrower Transaction Costs",
    author = "Wolfram {Erhardt}",
    year = "2002",
    publisher = "Peter Lang Verlag",
    address = "Berlin, Germany",
    url = "https://www.peterlang.com/document/1093182"
}