@article{publication-11774,
	author={Ongena, Steven and Şendeniz-Y{\"u}nc{\"u}, İlkay},
	doi={10.1016/j.jbankfin.2011.05.001},
	issn={0378-4266},
	journal={Journal of Banking and Finance},
	number=12,
	pages={3213-3224},
	publisher={Elsevier},
	title={Which firms engage small, foreign, or state banks? And who goes Islamic? Evidence from Turkey},
	volume=35,
	year=2011,
}