@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" }