Juardi, J. (2021) “Perceptions of Micro Small and Medium Enterprise Managers in Financing Accessibility to the Formal Banking Institutions”, Technium Social Sciences Journal. Constanta, Romania, 26(1), pp. 646–654. Available at: https://techniumscience.com.techniumscience.pluscommunication.eu/index.php/socialsciences/article/view/5367 (Accessed: 17 April 2026).