@incollection{,
	
					
					
					14CE9578B34F85CE7731C5A7EAA3CA6D
				,
	author={{Benson Philip HlungupiSamudzimu} and {Dr. Michael Dynamite BensonMunkumba}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}224918
}

@incollection{b0,
	
	
		,
	title={{The effects of screening and monitoring on credit rationing of SMEs}}
		,
	author={{
			MAgostino
		} and {
			DBSilipo
		} and {
			FTrivieri
		}}
		
		
	
	
		,
	journal={{Economic notes}}
		
			37
			2
			
			,
	year={2008}
		
	

}

@incollection{b1,
	
	
		,
	title={{The effects of screening and monitoring on credit rationing of SMEs}}
		,
	author={{
			MAgostino
		} and {
			DBSilipo
		} and {
			FTrivieri
		}}
		
		
	
	
		,
	journal={{Economic notes}}
		
			37
			2
			
			,
	year={2008}
		
	

}

@incollection{b2,
	
	
		,
	title={{Business Environment as Key Driver of SME Performance}}
		,
	author={{
			OAsikhia
		} and {
			VNaidoo
		}}
		
	
	
		,
	booktitle={{Sustainable and Responsible Entrepreneurship and Key Drivers of Performance 2021}}
				
			,
	publisher={IGI Global}
			
		
	

}

@incollection{b3,
	
	
		,
	title={{Business Environment as Key Driver of SME Performance}}
		,
	author={{
			OAsikhia
		} and {
			VNaidoo
		}}
		
	
	
		,
	booktitle={{Sustainable and Responsible Entrepreneurship and Key Drivers of Performance}}
				
			,
	publisher={IGI Global}
			,
	year={2021}
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Financing preferences and practices of Indian SMEs}}
		,
	author={{
			HKBaker
		} and {
			SKumar
		} and {
			PRao
		}}
		
		
	
	
		,
	journal={{Global finance journal}}
		
			43
			100388
			,
	year={2020}
		
	

}

@book{b5,
	
	
		,
	title={{Information Asymmetry and borrowers' performance on loans in commercial banks. Unpublished MBA research dissertation}}
		,
	author={{
			MBazibu
		}}
		
			,
	year={2005}
			,
	address={Kampala}
		
		
			Makerere University
		
	

}

@incollection{b6,
	
	
		,
	title={{Small and medium-size enterprises: Access to finance as a growth constraint}}
		,
	author={{
			TBeck
		} and {
			ADemirguc-Kunt
		}}
		
	
	
		,
	journal={{Journal of Banking & finance}}
		
			30
			11
			
			,
	year={2006}
		
	

}

@incollection{b7,
	
	
		,
	title={{A strategic approach to SME export growth}}
		,
	author={{
			JCharbonneau
		} and {
			HMenon
		}}
		
	
	
		,
	booktitle={{International Trade Forum}}
				
			,
	year={2013}
			32
		
	
	,
	note={International Trade Centre}

}

@incollection{b8,
	
	
		,
	title={{Financing responsible small-and medium-sized enterprises: An international overview of policies and support programmes}}
		,
	author={{
			SDurst
		} and {
			WGerstlberger
		}}
		
	
	
		,
	journal={{Journal of Risk and Financial Management}}
		
			14
			1
			10
			,
	year={2020}
		
	

}

@book{b9,
	
	
		,
	title={{Financial regulation in south africa. Rivonia: SA financial sector forum}}
		,
	author={{
			HBFalkena
		} and {
			RBamber
		} and {
			DLlewellyn
		} and {
			TStore
		}}
		
		
		
		
			,
	year={2001}
		
	

}

@book{b10,
	
	
		,
	title={{Bank and their customers}}
		,
	author={{
			JFGarrett
		}}
		
			,
	year={2009}
			,
	publisher={Dobbs Ferry: Oceana Publications}
			,
	address={New York}
		
	

}

@book{b11,
	
	
		,
	title={{Principles of managerial finance}}
		,
	author={{
			LJGitman
		} and {
			RJuchau
		} and {
			JFlanagan
		}}
		
		
		
			,
	year={2015}
			,
	publisher={Pearson Higher Education AU}
		
	

}

@book{b12,
	
	
		,
	title={{Principles of managerial finance}}
		,
	author={{
			LJGitman
		} and {
			RJuchau
		} and {
			JFlanagan
		}}
		
		
		
			,
	year={2015}
			,
	publisher={Pearson Higher Education AU}
		
	

}

@book{b13,
	
	
		,
	title={{Challenges faced by small to medium scale enterprises: A case study of Chitungwiza}}
		,
	author={{
			FBGombarume
		}}
		
			,
	year={2014}
			,
	address={Zimbabwe}
		
	

}

@incollection{b14,
	
	
		,
	title={{Small and Medium Enterprises' access to finance: evidence from selected Asian economies}}
		,
	author={{
			CHarvie
		} and {
			DNarjoko
		} and {
			SOum
		}}
		
		
	
	
		,
	journal={{ERIA Discussion Paper Series}}
		
			23
			,
	year={2013}
		
	

}

@book{b15,
	
	
		,
	title={{The economics of banking}}
		,
	author={{
			MKent
		}}
		
			,
	year={2005}
		
	

}

@book{b16,
	
	
		,
	title={{Financing of small and medium enterprises (SMEs) in Kenya: A study of selected SMEs in Kakamega Municipality}}
		,
	author={{
			BWKihimbo
		} and {
			BAAyako
		} and {
			KWOmoka
		} and {
			WLOtuya
		}}
		
		
		
		
			,
	year={2012}
		
	

}

@incollection{b17,
	
	
		,
	title={{SME survival: The impact of internationalization, technology resources, and alliances}}
		,
	author={{
			HLee
		} and {
			DKelley
		} and {
			JLee
		} and {
			SLee
		}}
		
		
		
	
	
		,
	journal={{Journal of small business management}}
		
			50
			1
			
			,
	year={2012}
		
	

}

@incollection{b18,
	
	
		,
	title={{Financing SMEs in the context of strong information asymmetry}}
		,
	author={{
			JLeffileur
		}}
	
	
		,
	journal={{Private Sect Dev}}
		
			1
			
			,
	year={2009}
		
	

}

@book{b19,
	
	
		,
	title={{Informal cross-border trade and trade facilitation reform in Sub-Saharan Africa}}
		,
	author={{
			CLesser
		} and {
			EMoisé-Leeman
		}}
		
		
			,
	year={2009}
		
	

}

@incollection{b20,
	
	
		,
	title={{The role of government in the establishment and development of SMEs in Zimbabwe: Virtues and vices}}
		,
	author={{
			FMaunganidze
		}}
	
	
		,
	journal={{Journal of Business Administration and education}}
		
			4
			1
			,
	year={2013}
		
	

}

@incollection{b21,
	
	
		,
	title={{Modelling key predictors that stimulate the entrepreneurial performance of small and medium-sized enterprises (SMEs) and poverty reduction: Perspectives from SME managers in an emerging economy}}
		,
	author={{
			ETMaziriri
		} and {
			AChivandi
		}}
		
	
	
		,
	journal={{Acta Commercii}}
		
			20
			1
			
			,
	year={2020}
		
	

}

@incollection{b22,
	
	
		,
	title={{Micro and small enterprises in Kenya: Agenda for improving the policy environment}}
	
	
		,
	journal={{International Centre for Economic Growth}}
		,
	editor={Mullei, A. and Bokea, C}
		
			,
	year={1999}
		
	

}

@book{b23,
	
	
		,
	title={{M-Pesa Utility, Operation and Entrepreneurial Innovations by Small Enterprises in Kenya}}
		,
	author={{
			ETMuriuki
		}}
		
			,
	year={2011}
			,
	address={Nairobi}
		
		
			Jomo Kenyatta University of Agriculture and Technology
		
	
	,
	note={Unpublished doctoral thesis}

}

@incollection{b24,
	
	
		,
	title={{The factors influencing SMEs growth in Africa: A case of SMEs in Zimbabwe}}
		,
	author={{
			KNjanike
		}}
	
	
		,
	booktitle={{Regional Development in Africa. IntechOpen}}
				
			,
	year={2019}
		
	

}

@incollection{b25,
	
	
		,
	title={{Assessing the effectiveness of commercial bank loans as sources of funding/capital formation for Small and Medium Enterprises (SMEs) in Southeast}}
		,
	author={{
			UO MObiageri
		} and {
			VAOnodugo
		} and {
			PCMbah
		}}
		
		
	
	
		,
	journal={{Nigeria. Editorial Review Board}}
		
			,
	year={2019}
		
	

}

@book{b26,
	
	
		,
	title={{Globalization and competitiveness: Challenges of small and medium enterprises (SMEs}}
		,
	author={{
			CEOcloo
		} and {
			SAkaba
		} and {
			DKWorwui-Brown
		}}
		
		
		
			,
	year={2014}
			,
	address={Accra, Ghana}
		
	

}

@incollection{b27,
	
	
		,
	title={{How can SMEs successfully navigate VUCA environment: The role of agility in the digital transformation era}}
		,
	author={{
			CTroise
		} and {
			VCorvello
		} and {
			AGhobadian
		} and {
			NO'regan
		}}
		
		
		
	
	
		,
	journal={{Technological Forecasting and Social Change}}
		
			174
			121227
			,
	year={2022}
		
	

}

@incollection{b28,
	
	
		,
	title={{Digitalization, internationalization and scaling of online SMEs}}
		,
	author={{
			MWesterlund
		}}
	
	
		,
	journal={{Technology Innovation Management Review}}
		
			10
			4
			,
	year={2020}
		
	

}

@incollection{b29,
	
	
		,
	title={{Soft information and the geography of SME bank lending}}
		,
	author={{
			TZhao
		} and {
			KBLuintel
		} and {
			KMatthews
		}}
		
		
	
	
		,
	journal={{Regional Studies}}
		
			55
			4
			
			,
	year={2021}
		
	

}