Ottavia, Enkhbold Chuluunbaatar, Shiann-Far Kung, and Ding-Bang Luh. “SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL”. Asian Academy of Management Journal 16, no. 2 (July 31, 2011): 29–52. Accessed November 22, 2024. https://ejournal.usm.my/aamj/article/view/aamj_vol16-no-2-2011_2.