Financial System and SMEs Access to Finance: A Market-oriented Approach. Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice, [S. l.], v. 31, n. 3, p. 21–36, 2021. Disponível em: https://publicatii.uvvg.ro/index.php/studiaeconomia/article/view/682. Acesso em: 15 apr. 2026.