@article{(Open Science Index):https://publications.waset.org/pdf/15259,
	  title     = {Small and Medium Enterprises (SMEs) Financing Practice and Accessing Bank Loan Issues -The Case of Libya},
	  author    = {Kalsom Abd Wahab and  Khalid Hassan Abdesamed},
	  country	= {},
	  institution	= {},
	  abstract     = {The purpose of this paper is to examine the financing
practices of SMEs in Libya in two different phases of business life
cycle: start-up and matured stages. Moreover, SMEs- accessing bank
loan issues is also identified. The study was conducted by taking into
account the aspect of demand. The findings are based on a sample of
76 SMEs in Libya through the adoption of questionnaires. The results
have pinpointed several things- evidently, SMEs use informal
financing sources which prefer personal savings; SME owners are
willing to apply for bank loan, that the most pressing problem has
been identified, not to apply bank loan is loan with interest (religion
factor).},
	    journal   = {International Journal of Economics and Management Engineering},
	  volume    = {6},
	  number    = {12},
	  year      = {2012},
	  pages     = {3715 - 3720},
	  ee        = {https://publications.waset.org/pdf/15259},
	  url   	= {https://publications.waset.org/vol/72},
	  bibsource = {https://publications.waset.org/},
	  issn  	= {eISSN: 1307-6892},
	  publisher = {World Academy of Science, Engineering and Technology},
	  index 	= {Open Science Index 72, 2012},
	}