Abdesamed, K.H. and Abd Wahab, K. (2012) Do Experience, Education and Business Plan Influence SMEs Start-Up Bank Loan? The Case of Libya. Australian Journal of Basic and Applied Sciences, 6, 234-239.
 Nguyen, N. and Luu, N. (2013) Determinants of Financing Pattern and Access to Formal-Informal Credit: The Case of Small and Medium Sized Enterprises in Viet Nam. Journal of Management Research, 5, 240-259. http://dx.doi.org/10.5296/jmr.v5i2.3266
 Canton, E.J.F., Grilo, I., Monteagudo, J. and van der Zwan, P. (2012) Perceived Credit Constraints in the European Union. Erasmus Research Institute of Management (ERIM), ERIM Report Series Research in Management ERS-2010-001-ORG, Rotterdam, 29 October 2012.
 Fjose, S., Grünfeld, L.A. and Green, C. (2010) SMEs and Growth in Sub-Saharan Africa—Identifying SME Roles and Obstacles to SME Growth. MENON Business Economics, MENON Publication No. 14/2010, Oslo, Norway.
 Pandula, G. (2011) An Empirical Investigation of Small and Medium Enterprises’ Access to Bank Finance: The Case of an Emerging Economy. ASBBS Annual Conference, Proceedings of ASBBS, Las Vegas, 18, 255-273.
 Berger, A.N. and Udell, G.F. (1998) The Economics of Small Business Finance: The Roles of Private Equity and Debt Markets in the Financial Growth Cycle. Journal of Banking and Finance, 22, 613-673.
 Beck, T. and Demirguc-Kunt, A. (2006) Small and Medium-Size Enterprises: Access to Finance as a Growth Constraint. Journal of Banking and Finance, 30, 2931-2943.
 Demirgüç-Kunt, A., Beck, T. and Honohan, P. (2008) Finance for All? Policies and Pitfalls in Expanding Access. The International Bank for Reconstruction and Development, World Bank, Washington DC.
 Fatoki, O. and Odeyemi, A. (2010) Which New Small and Medium Enterprises in South Africa Have Access to Bank Credit? International Journal of Business and Management, 5, 128-136.
 Fatoki, O. and Asah, F. (2011) The Impact of Firm and Entrepreneurial Characteristics on Access to Debt Finance by SMEs in King Williams’ Town, South Africa. International Journal of Business and Management, 6, 170-179. http://dx.doi.org/10.5539/ijbm.v6n8p170
 Irwin, D. and Scott, J.M. (2010) Barriers Faced by SMEs in Raising Bank Finance. International Journal of Entrepreneurial Behaviour & Research, 16, 245-259.
 PECC (2003) Financing Small and Medium Enterprises: Challenges and Options. A Summary Report of the Discussion at the Second Conference of PECC Finance Forum, Pacific Economic Cooperation Council (PECC), Hua Tin, Thailand, 8-9 July 2003.
 El Kabbani, R.N. and Kalhoefer, C. (2001) Financing Resources for Egyptian Small and Medium Enterprises. German University in Cairo, Faculty of Management Technology, Working Study No. 28, Cairo.
 Fernando, C., Chakraborty, A. and Mallik, R. (2002) The Importance of Being Known: Relationship Banking and Credit Limits. Washington University in St. Louis, Economics Working Paper Archive at WUSTL, EconWPA (0209007), St. Luis.
 OECD (2006) The SME Financing Gap: Theory and Evidence. Volume I. Organization for Economic Co-Operation and Development (OECD), OECD Publishing, Paris.
 Zhao, H., Wu, W. and Chen, X. (2006) What Factors Affect Small and Medium-Sized Enterprise’s Ability to Borrow from Bank: Evidence from Chengdu City, Capital of South-Western China’s Sichuan Province. Berlin School of Economics, Business Institute Berlin, Berlin, Working Paper 23, Badensche Str. 50-1, D-10825, May 2005.
 Zoppa, A. and McMahon, R.G.P. (2002) Pecking Order Theory and the Financial Structure of Manufacturing SMEs from Australia’s Business Longitudinal Survey. The Flinders University of South Australia, School of Commerce, Research Paper Series: 02-1, Bedford Park.
 Loewe, M., Al-Ayouty, I., Altpeter, A., Borbein, L., Chantelauze, M., Kern, M., Niendorf, E. and Reda, M. (2013) Which Factors Determine the Upgrading of Small and Medium-Sized Enterprises (SMEs)? The Case of Egypt. The German Development Institute (DIE) in Cooperation with the Egyptian Center for Economic Studies (ECES), Bonn.
 Vesalainen, J. (1995) The Small Firms as an Adaptive Organization-Organizational Adaptation versus Environmental Selection within Environmental Change. University of Vaasa, Dissertation, Acta Wasaensia No. 42, Business Administration No. 16, Vaasa, Finland.
 Neneh, B.N. (2011) The Impact of Entrepreneurial Characteristics and Business Practices on the Long Term Survival of Small and Medium Enterprises (SMEs). University of Free State, Dissertation, South Africa.
 Islam, A., Khan, M., Aktaruzzaman, O., Abu Zafar, M. and Alam, M.S. (2011) Effect of Entrepreneur and Firm Characteristics on the Business Success of Small and Medium Enterprises (SMEs) in Bangladesh. International Journal of Business and Management, 6, 289-299.
 Nakano, M. and Nguyen, P. (2011) Do Older Boards Affect Firm Performance? An Empirical Analysis Based on Japanese Firms. The Sixth Annual Conference on Asia-Pacific Financial Markets (CAFM), Seoul, Korea, 2 December 2011. http://dx.doi.org/10.2139/ssrn.1879250
 Abdulsaleh, A.M. and Worthington, A.C. (2013) Small and Medium-Sized Enterprises Financing: A Review of Literature. International Journal of Business and Management, 8, 36.
 Kasseeah, H. and Thoplan, R. (2012) Access to Financing in a Small Island Economy: Evidence from Mauritius. Journal of African Business, 13, 221-231.
 Le, N.T.B., Venkatesh, S. and Nguyen, T.V. (2006) Getting Bank Financing: A Study of Vietnamese Private Firms. Asia Pacific Journal of Management, 23, 209-227.