@incollection{,
	
					
					
					FC5CC637C5C9D6BD5D99604FD2C7FE0B
				,
	author={{Ofgaha AlemuDire} and {Bule Hora University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1844766
}

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	title={{Causes and Control of Loan Default/Delinquency in Microfinance Institutions in Ghana}}
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	author={{
			AAddae-Korankye
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}

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	title={{Linear Probability, Logit and Probit Models}}
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	publisher={Sage Pub. Inc}
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	title={{Causes and Control of Loan Default/Delinquency in Microfinance Institutions in Ghana}}
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	author={{
			Alex
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	year={2014}
		
	

}

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	title={{Qualitative Response Model: A Survey. ournal of Economic Literature}}
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	title={{Causes and Effects of Loan Defaults on the profitability of Ok omfo Anokye Rural Bank. Kwame Nkrumah university of Science and technology}}
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	author={{
			IAmeyaw-Amankwah
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	year={2011}
		
		
			KumasiI. Kumasi: Kwame Nkrumah University of Science and Technology
		
	

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	title={{Exploring the Factors That Hinder the Growth and Survival of Small Businesses in Ghana (A Case Study of Small Businesses within Kumasi Metropolitan Area)}}
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	author={{
			AnthonyKusi
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	year={2015}
		
	

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@incollection{b6,
	
	
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@incollection{b7,
	
	
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	title={{Establishing the Factors Affecting the Growth of Small and Medium-sized Enterprises in Algeria}}
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	author={{
			DAAsma
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	year={2015}
		
	

}

@book{b8,
	
	
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	title={{Identifying Key Success Factors and Constraints of Ethiopia's MSE Development: An Exploratory Research}}
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	author={{
			BAssefa
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	year={2014}
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	note={EDRI Research Report}

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@incollection{b9,
	
	
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	journal={{Bull. Int. Stat. Inst. BOWLEY, A. L}}
		
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	note={Bull. Int. Stat. Inst.}

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	title={{Centeral Staticstics Agency}}
				
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	publisher={Addis Ababa: CSA}
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	title={{Practices and Challenges of Micro and Small Scale Enterprises in the Case of Selected Districts in Akaki kality Sub-City}}
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	year={2014}
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	title={{Deterrents to the Success of Micro and Small Enterprises in Akaki-Kality Sub-City}}
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	title={{Small and Micro Enterprises (SMEs) Development in Ethiopia:Policies, Performances, Constraints and Prospects}}
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	author={{
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	year={February 2015}
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	publisher={EEA}
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	address={Addis Ababa}
		
	

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	title={{Factors influencing formal loan repayment performance of urban women in Tigray, A case study of Dedebit credit and saving institution}}
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	author={{
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	year={2013}
		
		
			Adwa town woreda. Mekelle University, Economics
		
	

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	title={{Loan repayment and its Determinants in Small Scale Enterprise Financing in Ethiopia :Case of Private Borrowers Around Zeway Area}}
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	author={{
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	address={Addis Ababa university, Addis Ababa}
		
	

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	title={{}}
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	author={{
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@book{b23,
	
	
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@book{b25,
	
	
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	title={{The Essence of Research Methodology}}
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	year={2010}
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	publisher={Springer}
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	address={Berlin Heidelberg}
		
	

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@incollection{b26,
	
	
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	title={{FINANCING SMALL AND MEDIUM ENTERPRISES (SMES) IN GHANA:CHALLENGES AND DETERMINANTS IN ACCESSING BANK CREDIT}}
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	author={{
			KNJoseph
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@incollection{b27,
	
	
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	title={{Factors Affecting Loan Repayment Performance of Small ScaleEnterprises Financed by Micro Finance Institutions: Study onPrivate Borrowers around Wolaita and Dawuro Zone}}
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	author={{
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	year={2016}
		
	

}

@incollection{b28,
	
	
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	title={{Employment growth and challenges in small and micro enterprises Woldiya}}
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	author={{
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	title={{Determinants of successful loan repayment performance of private borrowers in Development bank of Ethiopia}}
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	author={{
			TKibrom
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	year={2010}
		
		
			North region. Mekelle University, Management. Mekelle: Mekelle University
		
	

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	title={{Research methodology}}
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	author={{
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	booktitle={{New age international}}
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	title={{Research Methodology: A stepby-step guide for beginners}}
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	author={{
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	year={2011}
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	publisher={Sage Publications Inc}
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	address={New Delhi}
		
	

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@book{b32,
	
	
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	title={{Limited Dependent and Qualitative Variables in Econometrics}}
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	author={{
			GLaerd ; Maddala
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	year={2017. 1983}
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	publisher={Cambridge University Press}
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	address={New York}
		
	
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	note={Retrieved from www.laerdstatics.com 35}

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@book{b33,
	
	
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	title={{Problems of Micro and Small enterprises in Addis Ababa: The case of Kirkos,Kolfe,and Yeka subcities}}
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	author={{
			WMezgebe
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			,
	year={2012}
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	address={Addis Ababa}
		
		
			Addis Ababa University, Department Management
		
	

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@book{b34,
	
	
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	title={{Factors affecting loan repayment performance of Smallholder farmers in Eastern Hararghe}}
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	author={{
			SMillion
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	year={2012}
		
		
			Ethiopia. University of Nairobi. Nairobi: University of Nairobi
		
	

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@book{b35,
	
	
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	title={{Assessment of policies and practices of doing business in Ethiopia}}
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	author={{
			TMillion
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			,
	year={2014}
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	publisher={Addis Ababa University}
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	address={Addis Ababa}
		
	

}

@book{b36,
	
	
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	title={{Accounting Practices of Small and Medium Sized Enterpriss and its effect on access to finance in Addis Ababa}}
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	author={{
			TMosisa
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	year={2011}
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	address={Addis Ababa}
		
		
			Addis Ababa University, Department of Accounting
		
	

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	title={{Minister of Urban Develpment and House construction yearly report}}
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	author={{
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	year={2016}
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	publisher={MoUDHC}
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	address={Addis Ababa}
		
	

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@incollection{b38,
	
	
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	title={{Survey on Micro and Small Enterprises (MSEs) in Selected Major Cities of Ethiopia}}
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	author={{
			Mudc
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	journal={{MUDC}}
		
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	year={2013}
		
	

}

@book{b39,
	
	
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	title={{Determinants of loan repayment by small and medium enterprises in Nairobi Country, kenya}}
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	author={{
			AMukono
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			,
	year={2015}
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	address={Nairobi}
		
		
			University of Nairobi, School of Business
		
	

}

@book{b40,
	
	
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	title={{SMEs -The SMART Enterprises}}
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	author={{
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	year={2013}
		
	

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	title={{}}
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@book{b42,
	
	
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	title={{Determinants of Loan Repayment Performance: The Case of Micro and Small Enterprises in Dire Dawa Adminstration}}
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	author={{
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	year={2016}
		
		
			Haramaya University, School of Agricultural Economics and Agribusiness
		
	

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@incollection{b43,
	
	
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	title={{Micro Entrepreneurship: Sources of Finance & Related Constraints}}
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	author={{
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	journal={{Procedia Economics and Finance}}
		
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	year={2014. 2014}
		
	

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@book{b44,
	
	
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	title={{Financial Capability: What is it, and How can it be Created ?}}
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	author={{
			MSSherrard
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	year={2010}
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	publisher={Oxford University Press}
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	address={New York}
		
		
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@book{b45,
	
	
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	title={{Small and Medium Enterprises (SMEs) as Drivers of Productive Capacity and Job Creation. The Economic and Social Council (ECOSOC) High Level Africa Regional Consultation}}
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	year={25 March 2012}
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	publisher={Addis Ababa}
		
	

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@incollection{b46,
	
	
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	title={{Socio-economic Contributions of Micro and Small Enterprises: The Case of Jimma City}}
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	author={{
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	journal={{Technology And Arts Research Journal}}
		
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	year={2013}
		
	
	,
	note={Science}

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@book{b47,
	
	
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	title={{The Role of Micro and Small Scale Business Enterprises in Urban Poverty Alleviation: A Case Study on Cobble Stone Paving Sector in Addis Ababa City}}
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	author={{
			MSiyum
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			,
	year={2015}
			,
	publisher={Addis Ababa University}
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	address={Addis Ababa}
		
	

}

@book{b48,
	
	
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	title={{Factors Influencing Formal Loan Repayment Performance of Urban Womenin Tigray: A Case Study of Dedebit Credit and Saving Institution, Adwa Town}}
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	author={{
			ETSolomon
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			,
	year={2013}
		
		
			Mekelle University, Department of Economics. Mekelle: Mekelle University
		
	

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@book{b49,
	
	
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	title={{Determinants of Microfinance Loan Repayment Performance: Case of Omo Microfinance (OMFI) in Kaffa Zone}}
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	author={{
			FTadele
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			,
	year={2014}
		
		
			Jimma University, Accounting and Finance
		
	

}

@book{b50,
	
	
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	title={{The Role of Micro and Small Enterprises in Employment Creation and Income Generation: A Survey Study of Mekelle City}}
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	author={{
			BTadesse
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	year={2010}
		
		
			Tigray Region, Ethiopia. Mekelle University, Department of Management
		
	

}

@book{b51,
	
	
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	year={2007, october}
		
	
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@book{b53,
	
	
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	title={{Levelling the trading field for SME}}
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	title={{Statistics, an introductory analysis}}
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@book{b55,
	
	
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	title={{Factors Inhibiting the Growth of Micro and Small Enterprises in Ethiopia: Case of Addis Ababa}}
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	author={{
			HYednekachew
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			,
	year={2016}
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	publisher={Addis Ababa University}
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	address={Addis Ababa}
		
	

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@book{b56,
	
	
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	title={{Determinant of Growth of Micro and small enterprises in Ethiopia(A Case of MSEs in Mekelle City}}
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	author={{
			AZemenu
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	year={2014}
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	address={Tigray}
		
	

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@incollection{b57,
	
	
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	title={{}}
	
	
		,
	journal={{Mekelle: International Journal of Advance Research in Computer Science and Management Studies}}
		
	

}