SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL. Asian Academy of Management Journal, [S. l.], v. 16, n. 2, p. 29–52, 2011. Disponível em: https://ejournal.usm.my/aamj/article/view/aamj_vol16-no-2-2011_2.. Acesso em: 6 may. 2024.