1. Department of Public Administration at Fundação Getulio Vargas (FGV EAESP) São Paulo SP Brazil
2. Department of Finance and Center for Microfinance and Financial Inclusion Studies FGV EAESP São Paulo SP Brazil
3. Escola de Administração de Empresas de São Paulo at Fundação Getulio Vargas (FGV EAESP) and Center for Microfinance and Financial Inclusion Studies São Paulo SP Brazil
4. Coppead, Universidade Federal do Rio de Janeiro Rio de Janeiro RJ Brazil
5. Department of Public Administration and Center for Public Administration and Government at FGV EAESP São Paulo SP Brazil