ZAKARIA, Roza Hazli; JAMIL, Ikmal Khairulluzin; OTHMAN, Azmah. AN EVALUATION OF FINANCING WITHOUT COLLATERAL TO SMALL AND MEDIUM ENTERPRISES IN MALAYSIA: A CONCEPTUAL FRAMEWORK. Academic Journal of Business and Social Sciences, [S.l.], v. 3, n. 1, p. 1-19, sep. 2019. ISSN 2590-440X. Available at: <https://myjms.mohe.gov.my/index.php/AJoBSS/article/view/11648>. Date accessed: 11 aug. 2022.