@unpublished{publication-16760,
	author={Delis, Manthos and Fringuellotti, Fulvia and Ongena, Steven},
	institution={Centre for Economic Policy Research (CEPR)},
	issn={0265-8003},
	number=13468,
	series={CEPR Discussion Papers},
	title={Credit and Income},
	year=2019,
}