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SCIMA selection basket references

cnt: 2
1.
Yes, personnel does make a difference (Personalmanagement, Personalleiter)
Personnel Management
1994 : NOV, VOL. 26:11, p. 40-41,43-44
 1994 Guest, D.
Hoque, K.
2.
Reaching out: Access to and use of banking services across countries
Journal of Financial Economics
2007 : JUL, VOL. 85:1, p. 234-266
 2007 Beck, T.
Demirguc-Kunt, A.
Peria, M.S.M.
SCIMA