3Pratten, Cliff, 1991, The Competitiveness of Small Firm, Cambridge University Press.
4Sahlman, WilliamA, 1951, Meeting the Long-Term Capital Requirements of Small Business, Journal of Finance, Vol. 6.
5Phillp E.Strahan and James P.Weston,“Small Business Lending and the Changing Structure of the Banking Industry”,1 998,Journal of Bankingand Finance 22(2-6),82-145.
6Stiglitz,Joseph and Andrew Weiss,Credit Rationing in Markets with Imperfect Information,The American Economic Renew,Vol.71,June,1981,393-410.