(1992) Nation-Wide Survey. Gemini Technical Report No. 46, Development Alternatives Inc., Washington DC.
 Daniels, L. (1994) Changes in the Small-Scale Enterprise Sector from 1991 to 1993: Results of a Second Nation Wide Survey in Zimbabwe. GEMINI Working Paper No. 71, GEMINI, Bethesda.
 Donald, and T. Biggs, T. (1996) Industrialization and the Small Firm. International Center for Economic Growth, San Francisco.
 Davidsson, P. and Henrekson, M. (2002) Determinants of the Prevalence of Start-Ups and High-Growth Firms. Small Business Economics, 19, 81-104. http://dx.doi.org/10.1023/A:1016264116508
 Thurik, A.R. and Wennekers, A.R.M. (2004) Entrepreneurship, Small Business and Economic Growth. Journal of Small Business and Enterprise Development, 11, 140-149. http://dx.doi.org/10.1108/14626000410519173
 Beck, T., Demirguc-Kunt, A. and Laeven, L. (2005) Small and Medium-Size Enterprises: Overcoming Growth Constraint. JEL Classifications, L11, O1-O4.
 Ayyagari, A., Demirgu-Kunt, M. and Maksimovic, V. (2011) Small vs. Young Firms across the World: Contibution to Employment, Job Creation, and Growth Policy Research Working Paper 5631, Washington DC.
 Beck, T. and Robert, C. (2014) Small- and Medium-Sized Enterprise Finance in Africa. Africa Growth Initiatives, Working Paper.
 OECD (2010) SMEs and Entrepreneurship: Lessons from the Global Crisis and the Way forward to Job Creation and Growth. Innovative SMEs and Entrepreneurship for Job Creation and Growth BOLOGNA.
 ILO (2008) Skills for Improved Productivity, Employment Growth and Development International Labour Conference. International Labour Office, Geneva.
 NESTA (2007) Innovation in Response to Social Challenges.
 Ayyagari, M., Demirguc-Kunt, A. and Maksimovic, V. (2008) How Important Are Financing Constraints? The Role of Finance in the Business Environment. Geneva.
 Dalberg (2011) Report on Support to SMEs in Developing Countries through Financial Intermediaries.
 IFC (2012) Scaling Up Access to Finance for Agricultural SMEs: Policy Review and Recommendations and Innovative Agricultural SME Finance Models, 12-13.
 European Central Bank (2014) Survey on the Access to Finance of Small and Medium-Sized Enterprises in the Euro Area. 1831-9998 (Online) QB-AP-14-001-EN-N.
 Beck, T., Asli, D.-K. and Levine, R. (2005) SMEs, Growth, and Poverty: Cross-Country Evidence. World Bank Mimeo. http://dx.doi.org/10.3386/w11224
 Schiffer, M. and Weder, B. (2001) Firm Size and the Business Environment: Worldwide Survey Results. Discussion Paper 43, International Finance Corporation, Washington DC.
 Calice, P., Chando, V. and Sekioua, S. (2012) Bank Financing to Small and Medium Enterprises in East Africa: Findings of a Survey in Kenya, Uganda, Tanzania and Zambia. African Development Bank, Abidjan.
 Levine, R., Loayza, N. and Beck, T. (2000) Financial Intermediation and Growth: Causality and Causes. Journal of Monetary Economics, 46, 31-77. http://dx.doi.org/10.1016/S0304-3932(00)00017-9
 Beck, T., Demirgüç-Kunt, A. and Peria, M.S.M. (2011) Banking Financing for SMEs: Evidence across Countries and Bank Ownership Types. Journal of Financial Services Research, 39, 35-54.
 AGI (2011) Business Barometer Report Is a Periodic Opinion Survey about What Chief Executives Make of the Business Environment.
 EBRD (2004) SME Finance in the Early Transition Countries: The EBR’s Experience. European Bank for Reconstruction and Development, London.
 Hossain, N. (1998) Constraints to SME Development in Bangladesh. Paper Prepared for Job Opportunities and Business Support (Jobs) Program, Mimeo.
 PECC (2003) Financing Small and Medium Enterprises Challenges and Options. Issues@PECC, Pacific Economic Cooperation Council.
 Petersen, M. and Rajan, R. (1994) The Benefits of Lending Relationships: Evidence from Small Business Data. Journal of Finance, 49, 3-37. http://dx.doi.org/10.1111/j.1540-6261.1994.tb04418.x
 Petersen, M. and Rajan, R. (1995) The Effect of Credit Market Competition on Firm-Creditor Relationships. Quarterly Journal of Economics, 110, 407-443. http://dx.doi.org/10.2307/2118445
 Greenwood, J. and Jovanovic, B. (1990) Financial Development, Growth, and the Distribution of Income. Journal of Political Economy, 98, 1076-1107. http://dx.doi.org/10.1086/261720
 Love, I. and Mylenko, N. (2004) Credit Reporting and Financing Constraints. Mimeo, World Bank, Washington DC.
 International Finance Corporation (2011) SMEs Finance Policy Guide. IFC, Washington DC.
 Collins, D., Morduch, J., Rutherford, S. and Ruthven, O. (2010) Portfolios of the Poor. Princeton University Press, Princeton.
 European Commission (2011) Small and Medium-Sized Enterprises (SMEs), SME Definition.
 Lee, S. and Petra, P. (2012) Financing from Family and Friends. Stern School of Business, New York University, New York.
 Steel, W.F., Aryeetey, E., Hettige, H. and Nissanke, M. (1997) Informal Financial Markets under Liberalization in Four Africa Countries. World Development, 25, 817-830. http://dx.doi.org/10.1016/S0305-750X(96)00133-7
 Nissanke, M. and Aryeetey, E. (2006) Institutional Analysis of Financial Market Fragmentation in Sub-Saharan Africa. A Risk-Cost Configuration Approach. Research Paper No. 2006/87.
 Kutsoati, E. and Morck, R. (2012) Family Ties, Inheritance Rights, and Successful Poverty Alleviation: Evidence from Ghana. NBER Working Paper No. 18080. http://dx.doi.org/10.2139/ssrn.2020542
 Gedzi, S.V. (2014) PNDC Law 111 in Ghana and International Human Rights Laws. Global Journal of Politics and Law Research, 2, 15-26.
 La Ferrara, E. and Milazzo, A. (2014) Customary Norms, Inheritance, and Human Capital: Evidence from a Reform of the Matrilineal System in Ghana.
 Woodman, G.R. (1985) Ghana Reforms the Law of Intestate Succession. Journal of African Law, 29, 118-128.
 Atrill, P. (2009) Being an Angel. Relevant to ACCA Qualification Papers F9 and P4.
 Politis, D. (2008) Business Angels and Value Added: What Do We Know and Where Do We Go? Venture Capital, 10, 127-147. http://dx.doi.org/10.1080/13691060801946147
 Mason, C.M. (2006) Informal Sources of Venture Finance. In: Parker, S., Ed., The Lifecycle of Entrepreneurial Ventures, Springer, Berlin, 259-299. http://dx.doi.org/10.1007/978-0-387-32313-8_10
 Kelly, P. (2007) Business Angel Research: The Road Travelled and the Journey Ahead. In: Landstr, H., Ed., Handbook of Research on Venture Capital, Edward Elgar, Cheltenham, 315-331.
 Morrissette, S.G. (2007) A Profile of Angel Investors. Journal of Private Equity, 10, 52-66.
 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.
 Shane, S. (2012) The Importance of Angel Investing in Financing the Growth of Entrepreneurial Ventures. Quarterly Journal of Finance, 2, 901-942. http://dx.doi.org/10.1142/S2010139212500097
 Stedler, H. and Peters, H.H. (2003) Business Angels in Germany: An Empirical Study. Venture Capital, 5, 269-276.
 Nguyen, N. and Luu, N.T.H. (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.
 Safavian, M. and Wimpey, J. (2007) When Do Enterprises Prefer Informal Credit? World Bank Policy Research Working Paper No. 4435, Geneva.
 Stiglitz, J. (1990) Peer Monitoring and Credit Markets. The World Bank Economic Review, 4, 351-366.
 Lehmann, E. and Neuberger, D. (2001) Do Lending Relationships Matter? Evidence from Bank Survey Data in Germany. Journal of Economic Behavior and Organization, 45, 339-359.
 Binks, M. and Ennew, C. (1996) The Impact of Service Quality and Service Characteristics on Customer Retention: Small Business and Their Banks in The UK. British Journal of Management, 7, 219-230.
 Zecchini, S. and Ventura, M. (2009) The Impact of Public Guarantees on Credit to SMEs. Small Business Economics, 32, 191-206. http://dx.doi.org/10.1007/s11187-007-9077-7
 Moro, A., Fink, M. and Maresch, D. (2015) Reduction in Information Asymmetry and Credit Access for Small and Medium-Sized Enterprises. Journal of Financial Research, 38, 121-143. http://dx.doi.org/10.1111/jfir.12054
 Moro, A. and Fink, M. (2013) Loan Managers’ Trust and Credit Access for SMEs. Journal of Banking & Finance, 37, 927-936. http://dx.doi.org/10.1016/j.jbankfin.2012.10.023
 Peprah, J. (2011) Sustainable Entrepreneurship: The Role of Networking. 1-29.
 Stinchcombe, A.L. (1965) Social Structure and Organizations. In: March, J.P., Ed., Handbook of Organtzatlons, Rand McNally, Chicago, 142-193.
 Aldrich, H. and Auster, E.R. (1986) Even Dwarfs Started Small: Liabilities of Age and Size and Their Strategic Implications. In: Cummings, L.L. and Staw, B.M., Eds., Research in Organizational Behavior, CT JAI Press, Greenwich, 165-198.
 Freeman, J. (1997) Venture Capital as an Economy of Time. Unpublished Manuscript, Haas School of Business, University of California, Oakland.
 Karlan, D., Markus, M., Tanya, R. and Adam, S. (2009) Trust and Social Collateral. Quarterly Journal of Economics, 124, 1307-1361. http://dx.doi.org/10.1162/qjec.2009.124.3.1307
 Gana, M.R. (2013) Social Interactions and Access to Credit: The Case of Tunisian SMEs. Journal of Business Studies Quarterly, 4, 153-165.
 Wang, Y. (2008) Evaluation or Attention: How Do Social Ties Matter in Venture Financing? MIT Sloan School of Management, 50 Memorial Drive, E52-511, Cambridge, MA, 1-47.
 Cotugno, M. and Stefanelli, V. (2011) Bank Size, Functional Distance and Loss Given Default Rate of Bank Loans. International Journal of Financial Research, 2, 31-44. http://dx.doi.org/10.5430/ijfr.v2n1p31
 Lei, C. (2013) The Development of the Relationship Lending Theory in China. Journal of Convergence Information Technology, 8, 1036-1043. http://dx.doi.org/10.4156/jcit.vol8.issue4.119
 Serageldin, I. and Grootaert, C. (2000) Defining Social Capital: An Integrating View. In: Dasgupta, P. and Serageldin, I., Eds., Social Capital: A Multifaceted Perspective, World Bank, Washington DC, 40-59.
 Abbink, K., Irlenbusch, B. and Renner, E. (2002) Group Size and Social Ties in Microfinance Institutions.
 Hermes, N., Lensink, R. and Mehrteab, H.T. (2006) Does the Group Leader Matter? The Impact of Monitoring Activities and Social Ties of Group Leaders on the Repayment Performance of Group Based Lending in Eritrea. African Development Review, 18, 72-97. http://dx.doi.org/10.1111/j.1467-8268.2006.00133.x
 Greif, A. (1989) Reputation Coalitions in Medieval Trade: Evidence on the Maghribi Traders. Journal of Economic History, 49, 857-882. http://dx.doi.org/10.1017/S0022050700009475
 Klein, D. (1997) Reputation: Studies in the Voluntary Elicitation of Good Conduct. University of Michigan Press, Ann Arbor.
 Mann, B. (2002) Republic of Debtors: Bankruptcy in the Age of American Independence. Harvard University Press, Cambridge.
 Lipartito, K. (2013) Mediating Reputation: Credit Reporting Systems in American History. Business History Review, 87, 655-677. http://dx.doi.org/10.1017/S0007680513001086
 Bastelaer, T.V. (2000) Imperfect Information, Social Capital and the Poor’s Access to Credit. 1-25.
 Weller, E.C. (2007) Access Denied: Low-Income and Minority Families Face More Credit Constraints and Higher Borrowing Costs. Center for American Progress, Washington DC.
 Robu, M. (2013) The Dynamic and Importance of SMES in Economy. USV Annals of Economics and Public Administration, 13, 84-89.
 Wright, J. (2013) Credit Unions: A Solution to Poor Bank Lending? Civitas, London.
 Quaye, I. and Sarbah, A. (2014) Assessing Alternative Sources of Financing for Small and Medium Scale Enterprises in Ghana Case Study of Savings and Loans Companies (S&Ls) in the Greater Accra Region in Ghana. International Journal of Advancements in Research & Technology, 3, 123-136.
 Sotunde, B. (2014) Ghana Establishes $2.7m YES Fund for Young Entrepreneurs. ENTERPRISE54.
 Delener, N. (1990) The Effects of Religious Factors on Perceived Risk in Durable Goods Purchase Decision. Journal of Consumer Marketing, 7, 27-38. http://dx.doi.org/10.1108/EUM0000000002580
 McDaniel, S.W. and Burnett, J.J. (1990) Consumer Religiosity and Retail Store Evaluative Criteria. Journal of the Academy of Marketing Science, 18, 101-112. http://dx.doi.org/10.1007/BF02726426
 Rashid, M.Z. and Ibrahim, S. (2008) The Effect of Culture and Religiosity on Business Ethics: A Cross-Cultural Comparison. Journal of Business Ethics, 82, 907-917. http://dx.doi.org/10.1007/s10551-007-9601-3
 Muhamad, N. and Mizerski, D. (2010) The Constructs Mediating Religions’ Influence on Buyers and Consumers. Journal of Islamic Marketing, 1, 124-150. http://dx.doi.org/10.1108/17590831011055860
 Beer, W.L. (1960) Credit Unions & the Church. The Japan Missionary Bulletin, 229-238.
 Graham, K. (2010) Credit Unions: What Can They Do for Your Money? HQ Financial Views, 5, 1-3.
 Stewardship (2010) Credit Unions: A Short Guide for Churches.
 Marshall, M.N. (1996) Sampling for Qualitative Research. Family Practice, 13, 522-526.
 O’brien, M.R. (2007) A Caution Regarding Rules of Thumb for Variance Inflation Factors. Quality & Quantity, 41, 673-690. http://dx.doi.org/10.1007/s11135-006-9018-6
 Hair, J., Anderson, R., Tatham, R. and Black, W. (1995) Multivariate Data Analysis. Prentice-Hall, Upper Saddle River.