@article{illanes_pena_sosa_2016,  title={A Macroeconomic Model of Credit Risk in Uruguay},  volume={70},  ISSN={0034-7140},  url={https://doi.org/10.5935/0034-7140.20160023},  DOI={10.5935/0034-7140.20160023},  number={4},  journal={Revista Brasileira de Economia},  publisher={Fundação Getúlio Vargas},  author={Illanes, Gabriel and Pena, Alejandro and Sosa, Andrés},  year={2016},  month={Oct},  pages={441–455} }