@misc{garmaise_2017_896785, author = {Garmaise, Mark J. and Natividad, Gabriel}, title = {{Information, the Cost of Credit, and Operational Efficiency: An Empirical Study of Microfinance}}, month = sep, year = 2017, publisher = {Zenodo}, doi = {10.1093/rfs/hhq021}, url = {https://doi.org/10.1093/rfs/hhq021} }