@incollection{,
	
					
					
					48764A83CB42BE0772F7A49BF704E704
				,
	author={{Bouba} and {Edmund} and {University of South Africa, Pretoria Campus}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2283341
}

@incollection{b0,
	
	
		,
	title={{Financial ratios, discriminant analysis and the prediction of corporate bankruptcy}}
		,
	author={{
			EIAltman
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	journal={{The journal of finance}}
		
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}

@book{b1,
	
	
		,
	title={{Predicting Financial Distress of Companies: Revisiting the Z-score and ZETA® model}}
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	author={{
			EIAltman
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	year={2000. November 2012}
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}

@incollection{b2,
	
	
		,
	title={{Gender Differences in the Causes of Business Failure}}
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	author={{
			ZArasti
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	journal={{Journal of Global Entrepreneurship Research}}
		
			1
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	year={2011}
		
	

}

@book{b3,
	
	
		,
	title={{Practice of Business and Social Research}}
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	author={{
			EBabbie
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			,
	year={2007}
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	publisher={Wadsworth}
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	address={Belmont}
		
	

}

@book{b4,
	
	
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	author={{
			EFBrigham
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			JFHouston
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		,
	title={{Fundamentals of Financial Management. 7 th ed}}
				Ohio
		
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	publisher={South-Western}
			,
	year={2012}
		
	

}

@book{b5,
	
	
		,
	title={{Business Management}}
		
		
			,
	year={2010. November 2012}
			12
		
	

}

@book{b6,
	
	
		,
	title={{Tracking SMME Development in South Africa: Issues of Finance, Training and the Regulatory Environment}}
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	author={{
			MRChristian
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	year={2008}
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	address={Urban Forum}
		
	

}

@book{b7,
	
	
		,
	title={{Definition of a Statement of Financial Performance}}
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	author={{
			MCodjia
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			,
	year={2010. November 2012}
		
	

}

@book{b8,
	
	
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	title={{Educational Research: Planning, Conducting and Evaluating Quantitative and Qualitative Research}}
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	author={{
			JWCreswell
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	year={2002}
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	publisher={Pearson Education}
			,
	address={Upper Saddle River}
		
	

}

@book{b9,
	
	
		,
	title={{Financial Ratios as Predictors of Corporate Failure in South Africa}}
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	author={{
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	year={1977}
		
		
			South Africa: University of Witwatersrand
		
	
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	author={{
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	journal={{African Journal of Business Management}}
		
			4
			11
			
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	year={2010}
		
	

}

@book{b11,
	
	
		,
	title={{Financial Ratios as Discriminant Predictors of Small Business Failure}}
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	author={{
			ROEdmister
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	year={1970}
		
		
			USA: Ohio State University
		
	
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}

@incollection{b12,
	
	
		,
	title={{Building Theories from Case Study Research}}
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	author={{
			KMEisenhardt
		}}
	
	
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	journal={{Academy of Management Review}}
		
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	year={1989}
		
	

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@incollection{b13,
	
	
		,
	title={{How Many Interviews are Enough? An Experiment with Data Saturation and Variability}}
		,
	author={{
			GGuest
		} and {
			ABunce
		} and {
			LJohnson
		}}
		
		
	
	
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	journal={{Field Methods}}
		
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	year={2006}
		
	

}

@incollection{b14,
	
	
		,
	title={{Identifying Performance Measures of Small Ventures -The Case of the Tourism Industry}}
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	author={{
			SHaber
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	journal={{Journal of Small Business Management}}
		
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@book{b15,
	
	
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	title={{IFC and Small and Medium Enterprises}}
		
		
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	year={2011. November 2012}
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@book{b16,
	
	
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	title={{Financial Management IV (FMA 401-V). Study guide 1. 3 rd ed}}
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	author={{
			AJacobs
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	year={2001}
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	publisher={Technikon Southern Africa}
			,
	address={South Africa}
		
	

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@incollection{b17,
	
	
		,
	title={{Support Vector Machines for Default Prediction of SMEs Based on Technology Credit}}
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	author={{
			HSKim
		} and {
			SYSohn
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	journal={{European Journal of Operational Research}}
		
			201
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	year={2010}
		
	

}

@book{b18,
	
	
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	author={{
			WRLasher
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	title={{Financial Management: A practical guide. 6 th ed. Mason: South-Western Cengage Learning}}
				
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	year={2010}
		
	

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@book{b19,
	
	
		,
	title={{An Exploration of Factors that Lead to Failure of Small Businesses in the Kagiso Township}}
		,
	author={{
			BLMbonyane
		}}
		
			,
	year={2006}
		
		
			South Africa: University of South Africa
		
	
	,
	note={M. Tech. Business Administration thesis}

}

@book{b20,
	
	
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	title={{Financial Performance Measurement of South Africa's Top Companies: an Exploratory Investigation. Doctor of Commerce thesis}}
		,
	author={{
			IG BMosalakae
		}}
		
			,
	year={2007}
		
		
			South Africa: University of South Africa
		
	

}

@incollection{b21,
	
	
		,
	title={{Obstacles to the Growth of New SMEs in South Africa: A Principal Component Analysis Approach}}
		,
	author={{
			FOlawale
		} and {
			DGarwe
		}}
		
	
	
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	journal={{African Journal of Business Management}}
		
			4
			5
			
			,
	year={2010}
		
	

}

@incollection{b22,
	
	
		,
	title={{An Investigation into the Impact of Investment Appraisal Techniques on the Profitability of Small Manufacturing Firms in the Nelson Mandela Bay Metropolitan Area}}
		,
	author={{
			FOlawale
		} and {
			OOlumuyiwa
		} and {
			HGeorge
		}}
		
		
	
	
		,
	journal={{South Africa. African Journal of Business Management}}
		
			4
			7
			
			,
	year={2010}
		
	

}

@incollection{b23,
	
	
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	title={{Case Research in Marketing}}
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	author={{
			CPerry
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@book{b24,
	
	
		,
	title={{The Significance of the Four Basic Types of Financial Ratios}}
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			SRoberts
		}}
		
		
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	year={2012}
		
	

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@incollection{b25,
	
	
		,
	title={{}}
	
	
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	journal={{APEXjue (Accessed}}
		
			12
			,
	year={November 2012}
		
	

}

@book{b26,
	
	
		,
	author={{
			NM KSaunders
		} and {
			PLewis
		} and {
			AThornhill
		}}
		
		
		,
	title={{Research Methods for Business Students. 5 th}}
				
			,
	publisher={Pearson Education}
			,
	year={2009}
		
	

}

@incollection{b27,
	
	
	
	
		,
	booktitle={{Statistics of Liquidations and Insolvencies (Preliminary)}}
				
			,
	year={2012}
		
	

}

@book{b28,
	
	
		,
	title={{Predicting Corporate Failure}}
		,
	author={{
			BVallely
		}}
		
		
			,
	year={2011. November 2012}
		
	

}

@book{b29,
	
	
		,
	title={{Qualitative Analysis of Content}}
		,
	author={{
			YZhang
		} and {
			BMWildemuth
		}}
		
		
		
			,
	year={2011. November 2012}
			12
		
	

}