Do Nguyen Thi My Dung, Chau Thi Thu Ngan. FACTORS INFLUENCING SMALL AND MEDIUM ENTERPRISES’ DECISION TO APPLY FOR BANK LOANS: A QUANTITATIVE ANALYSIS IN VIETNAM. EFMR [Internet]. 2024 Mar. 30 [cited 2024 May 17];(1(17):78-8. Available from: https://public.scnchub.com/efmr/index.php/efmr/article/view/277