@incollection{,
	
					
					
					EC1B11419D9E106F1794BE2AA65CF089
				,
	author={{Dr. IsaacOwusu-Dankwa} and {Valley View University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1456776
}

@incollection{b0,
	
	
		,
	title={{Issues in SME Development in Ghana and South Africa}}
		,
	author={{
			JAbor
		} and {
			PQuartey
		}}
		
	
	
		,
	journal={{International Research Journal of Finance and Economics}}
		
			39
			222
			,
	year={2010. 2010}
		
	

}

@book{b1,
	
	
		,
	title={{Industrial Clusters: A Support System for Small and Medium-Sized Enterprises, Private Sector Development}}
		,
	author={{
			AAdvani
		}}
		
			,
	year={1997}
			,
	publisher={World Bank}
			,
	address={Washington, DC}
		
	

}

@book{b2,
	
	
		,
	title={{The Role of Banks in the Ghanaian Economy}}
		,
	author={{
			OSAmoafo
		}}
		
		
			,
	year={2009}
		
	

}

@book{b3,
	
	
		,
	title={{Informal Finance for Private Sector Development in Africa, Economic Rese-arch Papers No. 41, The African Development Bank}}
		,
	author={{
			EAryeetey
		}}
		
			,
	year={1998}
			,
	address={Abidjan}
		
	

}

@book{b4,
	
	
		,
	title={{Supply and Demand for Finance of Small Scale Enterprises in Ghana}}
		,
	author={{
			EAryeetey
		} and {
			ABaah-Nuakoh
		} and {
			TDuggleby
		} and {
			HHettige
		} and {
			WFSteel
		}}
		
		
		
		
		
			,
	year={1994}
			,
	address={Washington, DC}
		
	

}

@book{b5,
	
	
		,
	title={{Finance and Small and Medium-Sized Enterprise Development. Finance and Development Research Programme Working Paper Series}}
		,
	author={{
			PCook
		} and {
			FNixson
		}}
		
		
			,
	year={2000}
		
		
			IDPM: University of Manchester
		
	

}

@book{b6,
	
	
		,
	title={{Defining SMEs: A Less Imperfect Way of Defining Small and Medium Enterprises in Developing Countries}}
		,
	author={{
			TGibson
		} and {
			HJVan Der Vaart
		}}
		
		
		
			,
	year={2008}
		
	

}

@book{b7,
	
	
		,
	title={{A Market-Oriented Strategy for Small and Medium-Scale Enterprises}}
		,
	author={{
			KHallberg
		}}
		
		
			,
	year={2001}
		
	

}

@incollection{b8,
	
	
		,
	title={{Strengthening SMEs In Ghana. Retrieved from www.modernghana.com /news/492395/1/strengthening-smes-in-ghana}}
		,
	author={{
			CFrimpong
		}}
	
	
		,
	journal={{Journal of Policy Insights}}
		
			20
			7
			
			,
	year={2013. 2005}
		
	
	,
	note={Financing SMEs in Africa}

}

@book{b9,
	
	
		,
	title={{The Policy Environment for Promoting Small and Medium-Sized Enterprises in Ghana and Malawi: Finance and Development Research Programme Working Paper Series}}
		,
	author={{
			DKayanula
		} and {
			PQuartey
		}}
		
		
			,
	year={2000}
		
		
			IDPM: University of Manchester
		
	

}

@book{b10,
	
	
		,
	title={{Constraints to SMEs: A Rotated Factor Analysis Approach}}
		,
	author={{
			QuaderManzur
		} and {
			Abdullah
		}}
		
		
			,
	year={2008}
		
	

}

@book{b11,
	
	
		,
	title={{The Role and Challenges of Savings and Loans Companies in Ghana}}
		,
	author={{
			MMMensah
		}}
		
			,
	year={2009}
		
	

}

@incollection{b12,
	
	
		,
	title={{A Review of SME Financing Schemes in Ghana}}
		,
	author={{
			SMensah
		}}
	
	
		,
	journal={{International Journal of Business and Management}}
		
			5
			12
			198
			,
	year={2004}
		
	

}

@book{b13,
	
	
		,
	title={{Does Debt Really Matter On the Profitability Of Small Firms? A Perspective on Small Manufacturing Firms in Bulawayo}}
		,
	author={{
			FOlawale
		} and {
			MObert
		}}
		
		
		
			,
	year={2010}
			,
	address={Zimbabwe}
		
	

}

@book{b14,
	
	
		,
	title={{The Capital Structure Decision of New Firms}}
		,
	author={{
			ARobb
		} and {
			DTRobinson
		}}
		
		
		
			,
	year={2009}
		
	

}

@book{b15,
	
	
		,
	title={{Empowering Small and Medium Enterprises (SMEs) for economic self-sufficiency in Ghana}}
		,
	author={{
			MTau
		}}
		
		
			,
	year={2013}
		
	

}

@book{b16,
	
	
		,
	title={{The International Bank for Reconstruction and Development/The World Bank}}
		
			,
	year={2013}
			,
	address={DC, USA}
		
	
	,
	note={Doing Business 2014 Economy Profile: Ghana. Washing ton}

}

@incollection{b17,
	
	
		,
	title={{External Funding and Firm Growth: Comparing Female-and Male-Controlled SMEs}}
		,
	author={{
			JWatson
		}}
	
	
		,
	journal={{Journal of Venture Capital}}
		
			8
			1
			
			,
	year={2006}
		
	

}

@book{b18,
	
	
		,
	title={{Promoting the Development of Micro, Small and Medium-Scale Enterprises. The Ghanaian Times}}
		,
	author={{
			GDZaney
		}}
		
			,
	year={2013. April 19}
		
	

}