
[17]. Drucker, P. (2015). "Entrepreneurship in
business enterprise." Journal of Business Policy.
[18]. Drucker, P. F., Ed. (1986). Innovation and
entrepreneurship: practice and principles. London,
Pan Books.
[19]. Duarte, J., & Young, L. (2009). Why is
PIN priced?. Journal of Financial
[20]. Economics, 91(2), 119-138.
[21]. Eniola, A.A., Entebang, H. and Sakariyau,
O.B. (2015) Small and medium scale business
performance in Nigeria: Challenges faced from an
intellectual capital perspective. International
Journal of Research Studies in Management.
[22]. Gartner, W B. (2018): Who is an
Entrepreneur? Is the Wrong Question. In:
American Journal of Small Business, 12.
[23]. Gelgelu, D.G. (2018) Assessment of the
factors affecting the performance of micro and
small scale enterprise: The case of Wolkite town,
Guraghe zone, Southern Ethiopia. Journal of
Development and Agricultural Economics, 10.
[24]. Hijzen, A., Upward, R., & Wright, P. W.
(2010). Job creation, job destruction and the role
of small firms: firmlevel evidence for the UK.
Oxford Bulletin of Economics and Statistics,
72(5), 621-647.
[25]. Hosseininia, G., & Ramezani, A. (2016).
Factors Influencing Sustainable Entrepreneurship
in Small and Medium-Sized Enterprises in Iran: A
Case Study of Food Industry. Sustainability 2016,
8, 1010; doi:10.3390/su8101010
[26]. Kersten, R., Harms, J., Liket, K., & Maas,
K. (2017). Small Firms, large Impact? A
systematic review of the SME Finance Literature.
World development, 97, 330-348.
[27]. Kuruppu, G.N., and Azeez, A.A. (2017).
Financing Patterns of Small and Medium
Enterprises in Sri Lanka, University of Colombo
Kiraka, R.N., Kobia, M., and Katwalo, A.M.
(2018). Micro, Small and Medium Enterprise
Growth and Innovation.
[28]. Miller, D. (2018). The correlates of
entrepreneurship in three types of firms.
Management Science, 29(7), 770-791.
https://doi.org/10.1287/mnsc.29.7.770
[29]. Onyeiwu, C., Muoneke, O. B., &
Abayomi, A. M. (2021). Effects of Microfinance
[30]. Bank Credit on Small and Medium Scale
Businesses: Evidence from Alimosho LGA, Lagos
State. The Journal of Entrepreneurial Finance,
22(2), 4.
[31]. Ramcharran, Harri (2017) : Financing
small and medium-sized enterprises in Thailand:
The importance of bank loans and financing
diversification, The Journal of Entrepreneurial
Finance (JEF), ISSN 1551-9570, The Academy of
Entrepreneurial Finance (AEF), Montrose, CA,
19(2).
[32]. Roper, S., & Hart, M. (2013). Supporting
sustained growth among SMEs–policy models
and guidelines. ERC White Paper, 7, 1-68.
[33]. Sheehan, M. (2014). Human resource
management and performance: Evidence from
small and medium-sized firms. International Small
Business Journal, 32(5), 545-570.
[34]. Sitharam, S. & Hoque, M. (2016). Factors
affecting the performance of small and medium
enterprises in KwaZulu-Natal, South Africa.
Problems and Perspectives in Management, 14(2).
[35]. Vedaste, B.K., & Ruranga, C. (2018). The
effect of short-term bank loan financing on
financial performance of manufacturing Small and
Medium Enterprises (SMEs) in Rwanda.
Economic Policy Research Network, Rwanda
[36]. Voronkova, O.V., Kurochkina, A.A.,
Firova, I.P., & Bikezina, T.V (2018). Current
Trends in the Development of Small and Medium-
Sized Enterprises and Individual Entrepreneurship
in the Russian Federation. P. 13
[37]. Yusuf, W. A., Agbontafara, R. O., &
Yusuf, S. A. (2018). Effects of credit rationing on
the returns of poultry farmers in Ogun State,
Nigeria. Nigerian Journal of Animal Production,
45(3), 155-164.
Contribution of Individual Authors to the
Creation of a Scientific Article (Ghostwriting
Policy)
The authors equally contributed in the present
research, at all stages from the formulation of the
problem to the final findings and solution.
Sources of Funding for Research Presented in a
Scientific Article or Scientific Article Itself
No funding was received for conducting this study.
Conflicts of Interest
The authors have no conflicts of interest to declare
that are relevant to the content of this article.
Creative Commons Attribution License 4.0
(Attribution 4.0 International, CC BY 4.0)
This article is published under the terms of the
Creative Commons Attribution License 4.0
https://creativecommons.org/licenses/by/4.0/deed.en
_US
DESIGN, CONSTRUCTION, MAINTENANCE
DOI: 10.37394/232022.2023.3.4
Nwaubani, Rex Ugochukwu, Cross Ogohi Daniel,
May Nwoye, Hadiza Saidu Abubakar