“CONTINGENT CLAIM APPROACH TO FORECASTING CREDIT RISK BASED ON MEASUREMENTS OF THE DISTANCE-TO-DEFAULT AND THE PROBABILITY OF BANKRUPTCY IN COLOMBIA (Article Published in Spanish)”. Estudios Gerenciales, vol. 27, no. 118, Mar. 2011, pp. 43-66, https://doi.org/10.1016/S0123-5923(11)70145-0.