Do Nguyen Thi My Dung, and Chau Thi Thu Ngan. “FACTORS INFLUENCING SMALL AND MEDIUM ENTERPRISES’ DECISION TO APPLY FOR BANK LOANS: A QUANTITATIVE ANALYSIS IN VIETNAM”. Economics, Finance and Management Review, no. 1(17) (March 30, 2024): 78–88. Accessed May 17, 2024. https://public.scnchub.com/efmr/index.php/efmr/article/view/277.