[Aldaba R.M. (2012). Small and medium enterprises' access to finance: Philippines. Philippine Institute for Development Studies, Makati City, Philippines ]Search in Google Scholar
[Antonio, F., & Cernov, M. (2011). Improving Access to Finance for Smaller Enterprises in OECD, The World Economic Forum, Competitiveness and Private Sector Development: Eastern Europe and South Caucasus 2011: Competitiveness Outlook, OECD Publishing ]Search in Google Scholar
[Asch, L. (2000). Credit scoring: A tool for more efficient SME lending, SME Issues, Vol. 1, No. 2, pp. 1-4]Search in Google Scholar
[Bae, Kee-Hong, and Vidhan K. Goyal, (2009), Creditor rights, enforcement and bank loans. Journal of Finance ,64, 823-861.10.1111/j.1540-6261.2009.01450.x]Search in Google Scholar
[De Alwis, S and Basnayake B. M. R. (n.d), Credit Guarantee Schemes in Sri Lanka-Way Forward available online at http://www.smeg.org.tw/doc/JSD-14-3.pdf ]Search in Google Scholar
[Djankov, S., Caralee, M & Andrei, S. (2007), Private Credit in 129 Countries, Journal of Financial Economics, 84(2): 299-329.10.1016/j.jfineco.2006.03.004]Search in Google Scholar
[Edirisuriya, P. (2007). Effects of financial sector reforms in Sri Lanka:Evidence from the banking sector, Asia Pacific Journal of Finance and Banking Research 1(1), 45-63.]Search in Google Scholar
[International Finance Corporation. (2009). The SME banking knowledge guide. Washington D.C ]Search in Google Scholar
[International Finance Corporation. (2010). Scaling-Up SME Access to financial services in the Developing World. Washington D.C.]Search in Google Scholar
[International Finance Corporation. (2013). Doing Business 2013 data for Sri Lanka. Washington D.C.]Search in Google Scholar
[Institute of Policy Studies & Oxfam International. (2014). Female entrepreneurship and the role of business development services in promoting Small and medium women entrepreneurs in Sri Lanka.Colombo.]Search in Google Scholar
[Joseph, R. (2014, January 21). Challenges and issues faced by the local SME sector. Daily News, available online at http://www.dailynews.lk. ]Search in Google Scholar
[Lakshman, W. D., Regnier, P., & Senanayake, S. M. P. (1994). Small and medium industry in an intermediate city: A case study of Kurunegala in Sri Lanka. Colombo: Karunaratne & Sons Ltd.]Search in Google Scholar
[McRae, R., (1995), The Business Forum: A Self-Help Support Network for SMEs, 25th European Small Business Seminar, Cyprus.]Search in Google Scholar
[Ministry of Finance and Planning (2010). Crisis Response SME Development Facility (SMEDef), Environment risk management framework, Publication No. E2485 V1; Colombo.]Search in Google Scholar
[Murthy, G. G. K. (2007). Financing of small and medium enterprises (SMEs):Indian and Global scenario (Vol. 1). Hyderabad: The Icfai University Press.]Search in Google Scholar
[Mushinski, D. W. (1999). An analysis of offer functions of banks and credit unions in Guatemala. The journal of Development studies, 36(2), 88-112.10.1080/00220389908422622]Search in Google Scholar
[Pollard, J. S. (2003). Small firm finance and economic geography. Journal of Economic Geography, 3, 429-452.10.1093/jeg/lbg015]Search in Google Scholar
[Sobha Rani, B., & Rao, D. K. (2008). Financing small enterprises: recent trends. The ICFAI Journal of enterpreneurship development, V(6-22).]Search in Google Scholar
[Sophastienphong, K., & Kulathunga, A. (2010). Getting Finance in South Asia. The World Bank, Washington,D.C.]Search in Google Scholar
[Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. American Economic Review, 71(3), 393-410.]Search in Google Scholar
[Task Force for small and medium enterprise sector development in Sri Lanka. (2002). National strategy for small and medium enterprise sector development in Sri Lanka, SME White paper,Colombo.]Search in Google Scholar
[Weidig, D. (2011). Three Myths about SME Finance. Available online at http://microfinance.cgap.org ]Search in Google Scholar
[Williams,T.(1999).The Impact of Credit on Small and Medium Scale Industries (SMIs) in Sri Lanka, Institute of Policy Studies, Colombo.]Search in Google Scholar
[World Bank. (2005). Improving access to financial services: selected isues, Working paper No.34958, The World Bank, Washington,DC.]Search in Google Scholar
[World Bank. (2010), SME banking sector assessment for Sri Lanka, The World Bank, Washington, DC. ]Search in Google Scholar