5Altman, E. I. , Sabato, G. , Effects of the new Basel Capital Accord on bank capital requirements for SMEs. Journal of Financial Services Research, 28, 2005, pp. 15 42.
6Avery, R.B. , R.W. Bostic, and K. A. Samolyk, The Role of Personal Wealth in Small Business Finance. Journal of Banking and Finance, 22, 1998, pp. 1019-1061.
7Banerjee, A. V. , Besley , T. , Guinnane , T. W. , The Neighbor's Keeper:The Design of a Credit Cooperative with Theory and a Test. Quarterly Journal of Economics, 109, 1994, pp. 491-515.
8Banfield, E C. , The moral basis of a backward society, NewYork:the free press, 1958.
9Barth, J. R. , Caprio Jr. , G. , Levine, R. , Bank supervision and regulation: What works best? Journal of Financial Intermediation, 13, 2004, pp. 205-248.
10Beck, T. , Demirguc Kunt, A. , Maksimovic, V. , Financing patterns around the world: Are small firms different? World Bank working paper, 2004.
