@book { DirectedCreditalsInstrumentzurReduzierungvonKleinkreditrationierung,
    title = "Directed Credit als Instrument zur Reduzierung von Kleinkreditrationierung?",
    author = "Carlos Alberto {dos Santos}",
    year = "2021",
    publisher = "Peter Lang Verlag",
    address = "Berlin, Germany",
    url = "https://www.peterlang.com/document/1095955"
}