We present simulations of quasiparticle creation, propagation, and loss in
the superconducting electrode of a normal-insulator-superconductor tunnel j
unction refrigerator. We calculate the electronic temperature in the superc
onducting electrode from self-consistent solutions to the diffusion equatio
n. We then calculate the power load on the normal electrode due to recombin
ation phonons and the reduction in cooling power due to the elevated temper
ature of the superconductor. Our calculations explain the degraded cooling
performance observed in 20 mu m sized Ag/AlOx/Al junctions. (C) 2000 Elsevi
er Science B.V. All rights reserved.