Eriki, P. O., and E.-O. E. Ikavbo. “Financing Problems of Small and Medium Scale Enterprises (SEMs) in Benin-City, Edo State”. Nigerian Academy of Management Journal, vol. 6, no. 2, Aug. 2023, pp. 44-52, https://namj.tamn-ng.org/index.php/home/article/view/288.