Arif, Muhammad; Hasan, Mudassar; Joyo, Ahmed Shafique; … - In: Journal of risk and financial management : JRFM 13 (2020) 10/222, pp. 1-19
This paper provides evidence on the likelihood of formal finance usage among innovative small and medium enterprises (SMEs) operating in ASEAN countries. To this end, the SMEs are classified into four categories, namely non-innovators and product, process, and product-and-process innovator SMEs....
