@unpublished{publication-13435,
	author={Krauss, Annette and Martinez, Catalina},
	doi={http://dx.doi.org/10.2139/ssrn.2227301},
	institution={University of Zurich},
	number={04-2015},
	series={Center for Microfinance 04 -2015},
	title={What Drives Financial Inclusion at the Bottom of the Pyramid - Empirical Evidence from Microfinance Panel Data},
	year=2015,
}