Shafie Mohamed Zabri, Wan Fauziah Wan Yusoff, Kamilah Ahmad, and Jonathan Lean, “Literature Review on Financing Preferences among Small And Medium Enterprises,”  Proceedings of the 29th International Business Information Management Association (IBIMA), ISBN: 978-0-9860419-7-6, 3-4 May 2017, Vienna, Austria, p. 1366-1380.