Patterns of Debt Use in Small Businesses: A Non-Parametric Analysis. International Journal of Banking and Finance, [S. l.], v. 7, n. 2, p. 59–78, 2010. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/8417. Acesso em: 11 nov. 2025.