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Gan, Jumwu (2009): Burnout from pools to loans: Modeling refinancing prepayments as a self-selection process.

He, Quqiong and Pan, Ying and Sarangi, Sudipta (2017): Lineage-based Heterogeneity and Cooperative Behavior in Rural China.

Holden, Steve and Kelly, Austin and McManus, Doug and Scharlemann, Therese and Singer, Ryan and Worth, John (2011): The HAMP NPV model: development and early performance.