Gomez-Biscarri, J., López-Espinosa, G., & Mesa Toro, A. (2019). Cobbler, stick to thy last: The disciplining of business loans in credit unions. Centre for Responsible Banking & Finance, University of St Andrews, Working Paper, 19, 8.
Mesa Toro, A. (2019). Does Religion Affect Credit Union Risk Taking?. Available at SSRN 3384642.
"Remuneration as a Motivation of Earnings Management in Credit Unions", Centre for Responsible Banking & Finance, University of St Andrews, Working Paper, 2020.
Mesa Toro, A., Moreno, A., Sammartino, J., & Trani, T. (2025). Equity Home Bias when Firms are Indebted. Available at SSRN 3898026.
Mesa Toro, A., Aranda, M., Alonso, M., & Sadakova, S. (2025). Minorities in the Board of Directors of Credit Unions and Earnings Management. Available at SSRN 5255607.
Mesa Toro, A. (2025). Do differences in stakeholder's religiosity affect firms' risktaking? Evidence from the US Credit Unions. Evidence from the US Credit Unions (May 15, 2025).
Gómez Biscarri, J., López-Espinosa, G., & Mesa Toro, A. Split to Predict. Available at SSRN 5177865.
Aranda, M., Echeverry, D., & Mesa Toro, A. Dividend Signaling and Local Religiosity: The Role of Risk Attitudes. Available at SSRN 4899160.