ILO (1986) The Promotion of Small and Medium Sized Enterprises. International Labour Conference, 72nd Session, 1986. ILO Publications, Geneva.
 Mbuta and Nkandela (1998) The Impact of SMES on Economic Development.
 UNCTAD (2001) Growing Micro and Small Enterprises in LDCs. The “Missing Middle” in LDCs: Why Micro and Small Enterprises Are Not Growing”, UNCTAD/ITE/TEB/5.
 Cook, P. and Nixson, F. (2000) Finance and Small and Medium-Sized Enterprise Development. Finance and Development Research Programme Working Paper Series, 14, Institute for Development Policy and Management, University of Manchester.
 OECD (1997) Globalization and Small and Medium Enterprises, Synthesis Report, Organization for Economic Cooperation and Development.
 UNIDO (1999) SMEs in Africa Survive against All Odds.
 Steel, W.F. and Webster, L.M. (1991) Small Enterprises in Ghana: Responses to Adjustment Industry. Series Paper, No. 33. The World Bank Industry and Energy Department, Washington DC.
 Aryeetey, E. (2001) Priority Research Issues Relating to Regulation and Competition in Ghana. Centre on Regulation and Competition Working Paper Series, University of Manchester, Manchester.
 Villars, J. (2004) Speech Delivered at a Workshop of the Ghana Investment Advisory Council. Akosombo, 5 June, 2004.
 Cofie, A.A. (2012) The Challenges of Financing Small and Medium Scale Enterprises (SMEs) in the Ashanti Region, A Case Study of Stanbic Bank (GH) Ltd.
 Ayyagari, M., Demirgüç-Kunt, A. and Maksimovic, V. (2012) Financing of Firms in Developing Countries: Lessons from Research. Policy Research Working Paper 6036, World Bank, Washington DC.
 Peer, S., Oya, P.A. and Martin, H. (2013) Closing the Credit Gap for Formal and Informal Micro, Small, and Medium Enterprises. International Finance Corporation, World Bank Group, Washington DC.
 Lin, Y.F. (2007) Developing Small and Medium Bank to Improve Financial Structure. Working Paper, China Center for Economic Research, Peking University, Beijing.
 Basu, A., Blavy, R. and Yulek, M. (2004) Microfinance in Africa: Experience and Lessons from Selected African Countries. IMF Working Paper WP/04/174, World Bank, Washington DC.
 Firpo, J. (2005) Banking the Unbanked: Technology’s Role, Micro Capital.
 Appiah, M. (2008) Microfinance Development in Ghana: Achievements, Challenges and Issues for the Way forward. The Microfinance News.
 Boabeng, K.Y. (2009) The Informal Sector and the Microfinance Industry. 2nd Edition, Macmillan, New York.
 Bolton, J.E. (1971) Report of the Committee of Inquiry on Small Firms. HMSO, London.
 Oshagbemi, T.A. (1983) Small Business Management in Nigeria. Longman Nig. Ltd., Lagos.
 Burns, P. (2001) Entrepreneurship and Small Business. Great Britain.
 Katto, J. (2008) Financial Regulation of SMEs. IFAC Small and Medium Practices (SMP) Forum.
 Kayanula, D. and Quartey, P. (200) The Policy Environment for Promoting Small and Medium-Sized Enterprises in Ghana and Malawi. Finance and Development Research Programme Working Paper Series, 15. IDPM, University of Manchester, Manchester.
 Teal, F. (2002) Background Information on Use of Dataset: Regional Project on Enterprise Development (RPED), Ghana Manufacturing Sector Survey Waves I-V (1992-98). Centre for the Study of African Economies, Institute of Economics and Statistics, University of Oxford, Oxford.
 Osei, B., Baah-Nuakoh, A., Tutu, K. and Sowa, N. (1993) Impact of Structural Adjustment on Small-Scale Enterprises in Ghana. In: Helmsing, A. and Kolstee, T., Eds., Small Enterprise and Changing Policies: Structural Adjustment, Financial Policy and Assistance Programmes in Africa, IT Publications, London, 53-70.
 Macmillan, H. (1931) Report of the Committee on Finance and Industry. CMD 3897, HMSO, London.
 Blanton, W.R. and Dorman, T.L. (1994) Small Business Spotlight SBA… Loans for Community Banks. Journal of Commercial Lending, 76, .
 Riding, A.L. and Short, D.M. (1987) Some Investor and Entrepreneur Perspectives on the Informal Market for Risk Capital. Journal of Small Business and Entrepreneurship, 4, 19-30.
 Stiglitz, J. and Weiss, A. (1981) Credit Rationing in Markets with Imperfect Information. The American Economic Review, 71, 393-410.
 Kirzner, I. (1979) Perception, Opportunity, and Profit. University of Chicago Press, Chicago.
 Levin, R.C., Klevorick, A.K., Nelson, R.R. and Winter, S.G. (1987) Appropriating the Returns from Industrial Research and Development. Brookings Papers on Economic Activity, 1987, 783-831.
 Hall, G. (1996) Surviving and Prospering in the Small Firm Sector. Routledge, London.
 Deakins, D. and Philpott, T. (1993) Comparative European Practices in the Finance of Small Firms. UK, Germany and Holland. Discussion Paper. Polytechnic Business School, Birmingham. Demand for Finance of Small Scale Enterprises in Ghana. Discussion Paper, No. 251.
 Sharon, M. (2013) Bridging the Financing Gap in SMEs.
 (2005) OECD The SME Financing Gap: Theory and Evidence. Vol. 1, 15.
 Haynes, G.W., Ou, C. and Berney, R. (1999) Small Business Borrowing from Large and Small Banks in Business Access to Capital and Credit. Federal Reserve System Research Conference, 8 March 1999, 287-327.
 Aktas, C. (2010) The SMES in the Global World: Issues and Prospects.
 Idowu, F.C. (2010) Impact of Microfinance on Small and Medium-Sized Enterprises in Nigeria.
 Akerlof, G.A. (1970) The Market for “Lemons”: Quality, Uncertainty, and the Market Mechanism. Quarterly Journal of Economics, 84, 488-500. http://dx.doi.org/10.2307/1879431
 World Bank World Development Report 2001. World Bank, Washington DC.
 Fafchamps, M. (1996) Risk Sharing and Quasi-Credit, and the Enforcement of Informal Risk Sharing Arrangement. Department of Economics, Stanford University, Stanford, (Mimeograph).
 Kon, Y. and Storey, D.J. (2003) A Theory of Discouraged Borrowers. Small Business Economics, 21, 37-49.
 Fraser, S. (2005) Finance for Small and Medium-Sized Enterprises. Report on the 2004 UK Survey of SME Finance, Centre for Small and Medium-Sized Enterprises, Warwick Business School, University of Warwick, Coventry.
 Roper, S. and Scott, J. (2007) Gender Differences in Access to Start-Up Finance: An Econometric Analysis of GEM Data. 30th ISBE Conference, Glasgow, 7-9 November 2007.
 Stiglitz, J. and Weis, A. (1981) Credit Rationing in Markets with Imperfect Information. American Economic Review, 71, 393-410.
 Bester, H. (1987) The Role of Collateral in Credit Markets with Imperfect Information. European Economic Review, 31, 887-889. http://dx.doi.org/10.1016/0014-2921(87)90005-5
 Coleman, S. (2000) Access to Capital and Terms of Credit: A Comparison of Men and Women-Owned Small Businesses. Journal of Small Business Management, 38, 37-52.
 Hall, G., Hutchinson, P. and Michaelas, N. (2000) Industry Effects on the Determinants of Unquoted SMEs’ Capital Structure. International Journal of the Economics of Business, 7, 297-312.
 Schmid, F. (2001) Equity Financing and the Entrepreneurial Firm. Federal Reserve Bank of St. Louis Review, 83, 15-28.
 Hsu, D. (2004) What Do Entrepreneurs Pay for Venture Capital Affiliation? The Journal of Finance, 59, 1805-1844.
 Shane, S. and Cable, D. (2002) Network Ties, Reputation, and the Financing of New Ventures. Management Science, 48, 364-382. http://dx.doi.org/10.1287/mnsc.48.3.364.7731
 OECD (2008) Rural Policy Reviews: Scotland UK—Assessment and Recommendations. OECD, Paris.
 Mensah, S. (2004) A Review of SME Financing Schemes in Ghana. UNIDO Regional Workshop of Financing SMEs, Accra, 15-16 March 2004.
 Alfred, S. and Xiao, W. (2013) Financing Family Business in Ghana, Challenges and the Way Forward.
 Kauffmann, C. (2005) Financing SMEs in Africa.
 Robinson, M. (1998) The Paradigm Shift From Credit Delivery to Sustainable Financial Intermediation. In: Kimenyi, M.S., Wieland, R.C. and Von Pischke, J.D., Eds., Strategic Issues in Microfinance, Ashgate Publishing, Aldershot.
 General Background on Global Microfinance Trends.
 Asiama, J. (2007) Microfinance in Ghana: An Overview. Department of Research, Bank of Ghana, 1-15.
 Kumasi Metropolitan Assembly about This Metropolis.
 Ghana Statistical Service (GSS) (2012) 2010 Population and Housing Census, Accra, Ghana: Ghana Statistical Service.
 Wolcott, H. (1990) Writing up Qualitative Research. Sage, Newbury Park.
 Yin, R.K. (1994) Case Study Research Design and Methods. 2nd Edition, Sage Publications, London.
 Solomon, K.F., William, A.A. and Abraham, O. (2012) The Effects of Cultural Values and Practices on the Development of Small and Medium Scale Enterprises in the Ashanti Region of Ghana.
 Rhyme, E. and Otero, M. (1992) Financial Services for Microenterprises Principles and Institutions. World Development, 20, 1561-1571. http://dx.doi.org/10.1016/0305-750X(92)90014-M