@incollection{, E61471C11086110BE4B9B0EB877C7193 , author={{Romuald KenmoeSiyou} and {Marius AyouBene} and {CyrilleOnomo} and {Essec Business school University of Douala}}, journal={{Global Journal of Management and Business Research}}, journal={{GJMBR}}2249-45880975-585310.34257/GJMBR, address={Cambridge, United States}, publisher={Global Journals Organisation}2214759 } @incollection{b0, , title={{Prediction of corporate bankruptcy: Evidence from West African SME's}} , author={{ KAdalessossi }} , journal={{Finance and Accounting}} 2 , year={2015. No3} , note={Journal of Economics} } @book{b1, , title={{Credit risk management and profitability of selected rural banks in Ghana}} , author={{ HOAfriyie } and { JOAkotey }} , year={2012} , address={Ghana} , note={Catholic University College of Ghana} } @incollection{b2, , title={{A global model of bankuptcy prediction}} , author={{ DAlaminos } and { CastilloDel } and { AFernandez M }} , journal={{Plos One}} 11 11 , year={2016} } @incollection{b3, , title={{African financial systems: A review}} , author={{ FAllen } and { IOtchere } and { LWSenbet }} , journal={{Review of Development Finance}} 1 , year={2011} } @incollection{b4, , title={{Financial ratios, discriminant analysis and the prediction of corporate bankruptcy}} , author={{ EIAltman }} , journal={{Journal of Finance}} 23 , year={1968} } @incollection{b5, , title={{Modelling credit risk for SMEs: Evidence from the US market}} , author={{ EAltman } and { GSabato }} , journal={{Abacus}} 43 , year={2007} } @incollection{b6, , title={{The value of non-financial information in SMEs risk management}} , author={{ EIAltman } and { GSabato } and { NWilson }} , journal={{Journal of Credit Risk}} 6 , year={2010} } @incollection{b7, , title={{Corporate failure prediction: some empirical evidences from listed firms in Ghana}} , author={{ KOAppiah }} , journal={{China-USA Business Review}} 10 1 , year={2011} } @book{b8, , title={{The law and economics of corporate insolvency: A review}} , author={{ JArmour }} , year={2001} Centre for Business Research, University of Cambridge Working Paper No } @incollection{b9, , title={{Predicting corporate bankruptcy: Where we stand}} , author={{ AMAziz } and { HADar }} , journal={{Corporate Governance}} 6 1 , year={2006} } @incollection{b10, , title={{Financial ratios as predictors of failure}} , author={{ WHBeaver }} , journal={{Journal of Accounting Research}} 4 3 , year={1966} } @book{b11, , title={{SME finance in Africa}} , author={{ TBeck } and { RCull }} No. 7018 , year={2014} , note={World Bank Group Policy Research Working Paper} } @incollection{b12, , title={{Screening vs. rationing in credit markets in imperfect information}} , author={{ HBester }} , journal={{American Economic Review}} l75 , year={1985} } @book{b13, , title={{The prediction of bankruptcy of Small firms in the UK using logistic regression Analisis Financiero, No118}} , author={{ ABlanco } and { AIrimia } and { MDOliver }} , year={2012} } @incollection{b14, , title={{Short-term and long-term relationships: Relationships lending in early}} , author={{ HBodenhorn }} , journal={{Journal of Money, Credit, and Banking}} 35 , year={2003} } @incollection{b15, , title={{Predicting corporate failure using a neural network approach, Intelligent Systems. 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VLG Working Paper series}} , author={{ HOoghe } and { SPrijcker }} , year={2006. 2006/21} } @incollection{b49, , title={{SMEs probability of default: The case of hospitality sector}} , author={{ LPacheco }} , journal={{Tourism and Management Studies}} 11 , year={2015} } @incollection{b50, , title={{Predicting Microenterprise failure using data mining techniques}} , author={{ APtak-Chmielewska }} , journal={{Journal of Risk and Financial Management}} , year={2019} } @book{b51, , title={{Credit risk scoring models}} , author={{ GSabato }} , year={2000} } @incollection{b52, , title={{Information et communication financière dans les entreprises en Afrique subsaharienne : contraintes et perspectives}} , author={{ PSeca Assaba }} , booktitle={{Défis de l'information et pilotage des entreprises, AUF, Jouves}} , editor={ ADrumaux Etmattijs } , year={2002} } @incollection{b53, , title={{Asymmetric Information, Bank Lending, and Implicit Contracts: A Stylized Model of Customer Relationships}} , author={{ SASharpe }} , journal={{The Journal of Finance}} 45 4 , year={1990} } @book{b54, , title={{DEA Based Analysis of Corporate Failure. Thesis submitted in conformity with the requirements for the Degree of Masters of Applied Science}} , author={{ PCSimak }} , year={1997} Department of Mechanical and Industrial Engineering, University of Toronto } @incollection{b55, , title={{Credit rationing in markets with imperfect information}} , author={{ JStiglitz } and { AWeiss }} , journal={{American Economic Review}} 71 , year={1981} } @incollection{b56, , title={{Bankruptcy prediction for SMEs using relational data}} , author={{ ETobback } and { ITBellott } and { JMoeyersoms } and { MStankova } and { DMartens }} 10.1016/j.dss.2017.07.004 , journal={{Decision Support Systems}} , year={2017} } @incollection{b57, , title={{Predicting financial distress using financial and non-financial variables}} , author={{ FVan Der Colff } and { FVermaak }} , journal={{Journal of Economics and Financial Sciences}} 8 1 , year={2015} } @incollection{b58, , title={{Information financière et politique d'offre de crédit bancaire aux PME: Cas du Cameroun}} , author={{ HWamba } and { LTchamanbe }} , journal={{Revue Internationale PME}} 15 04 , year={2002} } @book{b59, , title={{The performance of insolvency prediction and credit risk models in UK: A comparative study, development and wider application}} , author={{ APWood }} 10.1596/978-0-8213-9615-561 , year={2012. 2013} , publisher={World Bank Group} 60 , address={Washington, DC} University of Exeter , note={Doing Business 2014: Understanding Smarter Regulations for Small and Medium-Size Enterprises. 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