HSIAO, D.; HU, Y. A Lesson Learned From the Crisis Period: Will Borrowers Be Penalized After a Drawdown?. Journal of Applied Business and Economics, [S. l.], v. 24, n. 3, 2022. Disponível em: https://articlearchives.co/index.php/JABE/article/view/2577. Acesso em: 11 oct. 2025.