@incollection{,
	
					
					
					10353B32E496C0616520059709B976AB
				,
	author={{MeryemBellouma} and {University Lecturer}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1411422
}

@incollection{b0,
	
	
		,
	title={{When trade credit facilitates access to bank finance: evidence from US small business data}}
		,
	author={{
			Alphonse
		} and {
			PDucret
		} and {
			JEric
		} and {
			S
		}}
		
		
		
	
	
		,
	booktitle={{EFMA 2004 Basel Meetings Paper}}
				
			,
	year={2004}
		
	

}

@incollection{b1,
	
	
		,
	title={{The determinants of lending relation ship in Tunisian context}}
		,
	author={{
			MBellouma
		} and {
			AOmri
		} and {
			MAOmri
		}}
		
		
	
	
		,
	journal={{Journal of Emerging Market Finance}}
		
			4
			
			,
	year={2005}
		
	

}

@incollection{b2,
	
	
		,
	title={{L'impact de la qualité de la relation banque-entreprise sur la prime de risque exigée des entreprises tunisiennes}}
		,
	author={{
			MBellouma
		} and {
			AEt Omri
		}}
		
	
	
		,
	journal={{Journal of Management}}
		
			329
			102
			,
	year={2008}
		
	

}

@book{b3,
	
	
		,
	title={{The Impact of Working Capital Management on Profitability: The Case of Small and Medium-Sized Export Companies in Tunisia. Management International, forthcoming}}
		,
	author={{
			MBellouma
		}}
		
			,
	year={2011}
		
	

}

@incollection{b4,
	
	
		,
	title={{The impact of lending relationship on risk premium and credit availability: evidence from Tunisia}}
		,
	author={{
			MBellouma
		} and {
			SBennaceur
		} and {
			AOmri
		}}
		
		
	
	
		,
	journal={{Afro-Asian Journal of Finance and Accounting}}
		
			1
			
			,
	year={2009}
		
	

}

@incollection{b5,
	
	
		,
	title={{Taxes and the theory of trade debt}}
		,
	author={{
			IEBrick
		} and {
			WK HFung
		}}
		
	
	
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	journal={{Journal of Finance}}
		
			39
			
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}

@incollection{b6,
	
	
		,
	title={{Social networks and the adverse selection problem in agency relationships}}
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	author={{
			RDahlstrom
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			RIngram
		}}
		
	
	
		,
	journal={{Journal of Business Research}}
		
			56
			9
			
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	year={2003}
		
	

}

@incollection{b7,
	
	
		,
	title={{Does working capital management affect profitability of Belgian firms?}}
		,
	author={{
			MDeloof
		}}
	
	
		,
	journal={{Journal of Business Finance and Accounting}}
		
			30
			
			,
	year={2003}
		
	

}

@incollection{b8,
	
	
		,
	title={{Trade credit, product quality, and intra-group trade: some European evidence}}
		,
	author={{
			MDeloof
		} and {
			MJegers
		}}
		
	
	
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	journal={{Financial Management}}
		
			25
			
			,
	year={1996}
		
	

}

@incollection{b9,
	
	
		,
	title={{Bank Lending Standards and Access to Lines of Credit}}
		,
	author={{
			CDemiroglu
		} and {
			CJames
		} and {
			AKizilaslan
		}}
		
		
	
	
		,
	journal={{Journal of Money, Credit and Banking}}
		
			44
			
			,
	year={2012}
		
	

}

@incollection{b10,
	
	
		,
	title={{Financial Intermediation and Delegated Monitoring}}
		,
	author={{
			DDiamond
		}}
	
	
		,
	journal={{Review of Economic Studies}}
		
			51
			
			,
	year={1984}
		
	

}

@incollection{b11,
	
	
		,
	title={{A pure financial explanation for trade credit}}
		,
	author={{
			GWEmery
		}}
	
	
		,
	journal={{Journal of Financial and Quantitative Analysis}}
		
			19
			
			,
	year={1984}
		
	

}

@incollection{b12,
	
	
		,
	title={{A transactions theory of trade credit use}}
		,
	author={{
			JSFerris
		}}
	
	
		,
	journal={{Quarterly Journal of Economics}}
		
			96
			
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}

@incollection{b13,
	
	
		,
	title={{Exact interpretation of dummy variables in semilogarithmic equations}}
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	author={{
			KJGarderen
		} and {
			CShah
		}}
		
	
	
		,
	journal={{Econometrics Journal}}
		
			5
			
			,
	year={2002}
		
	

}

@incollection{b14,
	
	
		,
	title={{Credit Channel, Trade Credit Channel, and Inventory Investment: Evidence from a Panel of UK firms}}
		,
	author={{
			AGuariglia
		} and {
			SMateut
		}}
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			30
			10
			
			,
	year={2006}
		
	

}

@incollection{b15,
	
	
		,
	title={{A model of reputation building and destruction}}
		,
	author={{
			PHerbig
		} and {
			JMilewicz
		} and {
			JGolden
		}}
		
		
		10.1111/jmcb.2012.44.issue-6/issuetoc
	
	
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	journal={{Journal of Business Research}}
		
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			1
			
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	year={1994. September}
		
	

}

@incollection{b16,
	
	
		,
	title={{Theory of the firm: managerial behavior agency costs and ownership structure}}
		,
	author={{
			MCJensen
		} and {
			WHMeckling
		}}
		
	
	
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	journal={{Journal of Financial Economics}}
		
			3
			
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	year={1976}
		
	

}

@incollection{b17,
	
	
		,
	title={{Social norms and community enforcement}}
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	author={{
			MKandori
		}}
	
	
		,
	journal={{Review of Economic Studies}}
		
			59
			
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	year={1992}
		
	

}

@incollection{b18,
	
	
		,
	title={{Trade credit and company performance during the 2008 financial crisis}}
		,
	author={{
			KKatrien
		} and {
			PhilippeVan
		} and {
			C
		} and {
			HeidiV
		} and {
			B
		}}
		
		
		
		
	
	
		,
	journal={{Accounting and Finance}}
		
			52
			
			,
	year={2012}
		
	

}

@incollection{b19,
	
	
		,
	title={{Trade credit, quality guarantees, and product marketability}}
		,
	author={{
			MSLong
		} and {
			IBMalitz
		} and {
			SARavid
		}}
		
		
	
	
		,
	journal={{Financial Management}}
		
			22
			
			,
	year={1993}
		
	

}

@incollection{b20,
	
	
		,
	title={{Accounts receivables management policy: theory and evidence}}
		,
	author={{
			SLMian
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			CWSmith
		}}
		
	
	
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	journal={{Journal of Finance}}
		
			47
			
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	year={1992}
		
	

}

@incollection{b21,
	
	
		,
	title={{The determinants of corporate trade credit policies in a bank-dominated financial environment. The case of Finnish small firms}}
		,
	author={{
			JNilsen
		}}
	
	
		,
	journal={{Journal of Money, Credit, and Banking}}
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	editor={23. Niskanen, J. and Niskanen, M.}
		
			34
			
			,
	year={2002. 2006}
		
	
	,
	note={European Financial Management}

}

@incollection{b22,
	
	
		,
	title={{The benefits of lending relationships: evidence from small business data}}
		,
	author={{
			MAPetersen
		} and {
			RGRajan
		}}
		
	
	
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	journal={{The Journal of Finance}}
		
			49
			
			,
	year={1994}
		
	

}

@incollection{b23,
	
	
		,
	title={{Trade credit: theories and evidence}}
		,
	author={{
			MAPetersen
		} and {
			RGRajan
		}}
		
		10.1111/acfi.2012.52.issue-4/issuetoc
	
	
		,
	journal={{Review of Financial Studies}}
		
			10
			
			,
	year={1997}
		
	

}

@incollection{b24,
	
	
		,
	title={{Trade credit terms: asymmetric information and price discrimination evidence from three continents}}
		,
	author={{
			RPike
		} and {
			NSCheng
		} and {
			KCravens
		} and {
			DLamminmaki
		}}
		
		
		
	
	
		,
	journal={{Journal of Business Finance & Accounting}}
		
			32
			
			,
	year={2005}
		
	

}

@incollection{b25,
	
	
		,
	title={{Working capital management and profitability: Case of Pakistani firms}}
		,
	author={{
			ARaheman
		} and {
			MNasr
		}}
		
	
	
		,
	journal={{International Review of Business Research Papers}}
		
			3
			
			,
	year={2007}
		
	

}

@incollection{b26,
	
	
		,
	title={{An economic model of trade credit}}
		,
	author={{
			RASchwartz
		}}
	
	
		,
	journal={{Journal of Financial and Quantitative Analysis}}
		
			9
			
			,
	year={1974}
		
	

}

@incollection{b27,
	
	
		,
	title={{Trade credit and informational asymmetry}}
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	author={{
			JKSmith
		}}
	
	
		,
	journal={{Journal of Finance}}
		
			42
			
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	year={1987}
		
	

}

@incollection{b28,
	
	
		,
	title={{Use of Dummy Variables in Regression Equations}}
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	author={{
			DBSuits
		}}
	
	
		,
	journal={{Journal of the American Statistical Association}}
		
			52
			
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	year={1957}
		
	

}

@incollection{b29,
	
	
		,
	title={{The Relationship of cash conversion cycle with firm size and profitability: An empirical investigation in Turkey}}
		,
	author={{
			AUyar
		}}
	
	
		,
	journal={{International Research Journal of Finance and Economics}}
		
			24
			
			,
	year={2009}
		
	

}

@book{b30,
	
	
		,
	title={{Trade credit as quality signal: an international comparison, Managerial Finance}}
		,
	author={{
			PWei
		} and {
			SM LZee
		}}
		
		
			,
	year={1997}
			23
			
		
	

}

@incollection{b31,
	
	
		,
	title={{Credit grant to small firms: A Brazilian case}}
		,
	author={{
			FZambaldi
		} and {
			FAranha
		} and {
			HLopes
		} and {
			RPoliti
		}}
		
		
		
	
	
		,
	journal={{Journal of Business Research}}
		
			64
			
			,
	year={2011}
		
	

}