OWNER CHARACTERISTICS AND ACCESS TO BANK FINANCING: PERCEPTUAL EVIDENCE FROM SMEs IN NORTH CENTRAL NIGERIA. Timisoara Journal of Economics and Business, [S. l.], v. 13, n. 1, p. 45–62, 2020. Disponível em: https://tjeb.ro/index.php/tjeb/article/view/331. Acesso em: 9 nov. 2026.