Loayza, Norman V., Ana María Oviedo, and Luis Servén. "The impact of regulation on growth and informality: cross-country evidence *." Linking the Formal and Informal Economy: Concepts and Policies. : Oxford University Press, 2006-09-01. Oxford Scholarship Online. 2006-09-01. Date Accessed 21 May. 2013 <http://www.oxfordscholarship.com/view/10.1093/0199204764.001.0001/acprof-9780199204762-chapter-7>.
Loayza, N., Oviedo, A., & Servén, L.(2006-09-01). The impact of regulation on growth and informality: cross-country evidence *. In Linking the Formal and Informal Economy: Concepts and Policies. : Oxford University Press. Retrieved 21 May. 2013, from http://www.oxfordscholarship.com/view/10.1093/0199204764.001.0001/acprof-9780199204762-chapter-7.
Loayza, Norman V., Ana María Oviedo, and Luis Servén. "The impact of regulation on growth and informality: cross-country evidence *." In Linking the Formal and Informal Economy: Concepts and Policies. : Oxford University Press, 2006-09-01. http://www.oxfordscholarship.com/view/10.1093/0199204764.001.0001/acprof-9780199204762-chapter-7.
Loayza NV, Oviedo AM, Servén L. The impact of regulation on growth and informality: cross-country evidence *. In: Guha-Khasnobis B, Kanbur R, Ostrom E. Linking the Formal and Informal Economy: Concepts and Policies. Oxford University Press; 2006. http://www.oxfordscholarship.com/view/10.1093/0199204764.001.0001/acprof-9780199204762-chapter-7. Accessed May 21, 2013.