@incollection{,
	
					
					
					1EE49C3C236522C0268123731E0689C6
				,
	author={{OsamaAlshehri} and {Clayton State University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1652123
}

@book{b0,
	
	
		,
	title={{Diversity and incentives in teams: evidence from corporate boards}}
		,
	author={{
			FerreiraAdams
		}}
		
			,
	year={2002}
			,
	address={New York}
		
	
	,
	note={Working Paper: Federal Reserve Bank}

}

@book{b1,
	
	
		,
	title={{The life cycle of a minorityowned business: implications for the American economy}}
		,
	author={{
			AndrewBernard
		}}
		
			,
	year={2004}
			,
	publisher={Minority Business Development Agency}
		
	

}

@incollection{b2,
	
	
		,
	title={{Small business financing in the UK before and during the current financial crisis}}
		,
	author={{
			MarcCowling
		}}
	
	
		,
	journal={{International Small Business Journal}}
		
			30
			7
			
			,
	year={2012}
		
	

}

@incollection{b3,
	
	
		,
	title={{Asians in the UK: gender, generations and enterprise}}
		,
	author={{
			SpinderDhaliwal
		}}
	
	
		,
	journal={{Equal Opportunities International}}
		
			25
			2
			
			,
	year={2006}
		
	

}

@book{b4,
	
	
		,
	title={{Finance for Small and Medium-Sized Enterprises: Comparisons of Social Enterprises and Mainstream Businesses}}
		,
	author={{
			StuartFraser
		}}
		
			,
	year={2007}
		
		
			University of Warwick
		
	

}

@incollection{b5,
	
	
		,
	title={{SME financing in the UK and in China: a comparative perspective}}
		,
	author={{
			JavedHussain
		}}
	
	
		,
	journal={{Journal of Small Business and Enterprise Development}}
		
			13
			4
			
			,
	year={2006}
		
	

}

@book{b6,
	
	
		,
	title={{Raising capital for the ethnic minority small firm}}
		,
	author={{
			TrevorJones
		}}
		
			,
	year={1994}
			
		
	
	,
	note={Finance and the small firm}

}

@incollection{b7,
	
	
		,
	title={{Credit crunch' and Small-and Medium-sized Enterprises: Aspects affecting survival}}
		,
	author={{
			YiguiMa
		}}
	
	
		,
	journal={{Journal of Financial Services Marketing}}
		
			14
			4
			
			,
	year={2010}
		
	

}

@incollection{b8,
	
	
		,
	title={{Small business financing in the UK before and during the current financial crisis}}
		,
	author={{
			MonderRam
		}}
	
	
		,
	journal={{International Small Business Journal}}
		
			30
			7
			
			,
	year={2012}
		
	

}

@incollection{b9,
	
	
		,
	title={{The financial crisis and the policy responses: An empirical analysis of what went wrong}}
		,
	author={{
			JohnTaylor
		}}
	
	
		,
	journal={{National Bureau of Economic Research}}
		
			,
	year={2009}
		
	

}

@incollection{b10,
	
	
		,
	title={{Managing Workplace Diversity: A Kenyan Pespective}}
		,
	author={{
			TabithaWangare
		}}
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			,
	year={2013}
		
	

}