“Default Risk Analysis in Micro, Small and Medium Enterprises: Does Debt Overhang Theory Occur?”, aamjaf, vol. 10, no. 1, pp. 95–131, Jun. 2014, Accessed: May 18, 2024. [Online]. Available: https://ejournal.usm.my/aamjaf/article/view/aamjaf_vol10-no1-2014_5