7Angelini, P. , Di Salvo, R. and Ferri, G. ,1998, ?? Availability and Cost of Credit for Small Businesses: Customer Rela?tionships and Credit Cooperatives" ,Journal of Banking and Finance, Vol. 22, pp. 925 - 954.
8Berlin M. and Mester, LJ. ,1998," On the Profitability and Cost of Relationship Lending" ,Journal of Banking and Fi- nance, Vol. 22, pp. 873 - 898.
9Cole, R. , 1998, "The Importance of Relationships to the Availahility of Credit,"Journal of Banking and Finance, Vol. 22, pp. 959 - 977.
10Cole, R. Goldherg L and White, L , 2004, "Cookie Cutter V s. Character: The Micro Structure of Small Business Lending hy Large and Small Banks" ,Journal of Financial & Quantitative Analysis, Vol. 39, pp. 227 - 251.