Saini, Krishan G. and Bates, Philip. "Statistical Techniques for Determining Debt-Servicing Capacity for Developing Countries: Analytical Review of the Literature and Further Empirical Results, Research Paper no. 7818," Research Papers (Federal Reserve Bank of New York) (September 1978). https://fraser.stlouisfed.org/title/6570/item/707899, accessed on January 15, 2026.