Credit rationing and non-price loan terms Erkki Koskela Journal of Banking & Finance 1983 7(3), 405-416
Social Security and Household Saving in an International Cross Section Erkki Koskela; Matti Virén American Economic Review 1983 73(1), 212-217
Social security and household saving in an international cross section Erkki Koskela; Matti Virén American Economic Review 1983