References
[2]. AFDB. (2018). African Economic Outlook. African Development Bank.
[3]. Anke, G. (2003). Credit Guarantee Schemes for Small Enterprises: An Effective Instrument to Promote Private Sector-Led Growth?
[4]. Ashiqur, R., Twyeafur, R., & Jaroslav, B. (2017). Determinants of SME Finance: Evidence from Three Central European Countries. Review of Economic Perspectives, 17 (3), 263–285.
[5]. Aterido, R. B., & Lacovone, L. (2013). Access to Finance in Sub-saharan Africa: Is There a Gender gap? World Development, 47, 102-120.
[6]. Awunyo-Vitor, M. (2018). Theoretical and Conceptual Framework of Access to Financial Services by Emerging Economies: Implication for Empirical Analysis. (2018). Economics and Business, 6, 43-59. doi:10.1515/auseb-2018-0003
[7]. Ayyagari, M., Demirgüç-Kunt, A., & Maksimovic, V. (2011). Small vs. Young Firms across the World – Contribution to Employment, Job Creation, and Growth, Policy Research Working Paper 5631 (The World Bank Development Research Group).
[8]. Bascle, G. (2008). Controlling for Endogeneity with Instrumental Variables in Strategic Management Research. Strategic Organization, 6(3), 285-327. doi:10.1177/1476127008094339
[9]. Beck, T. (2007). Financing Constraints of SMEs in Developing Countries: Evidence, Determinants, and Solutions. Journal of international money and finance, 31(2), 1-34.
[10]. Beck, T., & Torre, A. (2007). The Basic Analytics of Access to Financial Service.Financial Markets,Institution, and Instruments. Journal of Banking and Finance, 17(1), 79-117.
[11]. Beck, T., Maksimovic, V., & Demirguc-Kunt, A. (2006). Business Environment and the Incorporation Decision. Journal of Banking and Finance, 4(3), 23-45.
[12]. Bem, S. (1981). Gender Schema Theory: A cognitive Account of Sex Typing. Psychological Review, 88(4), 354-364.
[13]. Buyinza, F., & Bbaale, E. (2013). Access to Credit and the Effect of Credit Constraints on the Performance of Manufacturing Firms in the East African Region: Micro Analysis. International Journal of Economics and Finance, 5(10). doi:10.5539/ijef.v5n10p85
[14]. Buyinza, F., Mutenyo, J., & Tibaingana, A. (2018). Factors Affecting Access to Formal credit by Micro and Small Enterprises in Uganda. Athens Journal of Business & Economics, 4 (4), 405-424.
[15]. Byiers, B., Rand, J., Tarp, F., & Bentzen, J. (2010). Credit Demand in Mozambican Manufacturing. Journal of International Development, 22, 37-55. doi:10.1002/jid.1558
[16]. Cameron, A. C. (2005). Microeconometrics Methods and Applications. Cambridge, Edinburg Building, UK: Cambridge University Press.
[17]. Cressy,R. (2006). Why do Most Firms Die Young? Small Business Economics. The Economic Journal, 26(2), 103-116.
[18]. Cyert, R., & March, J. (1963). A Behavioral Theory of the Firm. (2nd, Ed.) Prentice-Hall, Englewood Cliffs, NJ.
[19]. Dao, H., & Nguyen, T. (2016). Accessibility to the Credit of Small-Medium Enterprises in Vietnam. Afro-Asian Journal of Finance and Accounting, 6(3). doi:DOI: 10.1504/AAJFA.2016.079291
[20]. EAC. (2015). East African Community Vision 2050: The Regional Vision for Socio-Economic Transformation and Development.
[21]. EAC. (2016). A STUDY ON HARMONIZATION OF REGULATIONS IMPACTING ON The Development of Micro Small and Medium Sized Enterprises (MSMEs) in EAC Region. Megadev (K) Limited.
[22]. Evans, D., & Jovanovic, B. (1989). An Estimated Model of Entrepreneurial Choice Under Liquidity Constraints. Journal of political economy, 97(4), 808-827.
[23]. FREEL, M. (2007). "Are Small Innovators Credit Rationed”. Small Business Economics, 28, 23-35. Retrieved from http://doi.org/10.1007/s11187-005-6058-6
[24]. Hall, B. (2002). The Financing of Research and Development. 18. doi:http://doi.org/10.1093/oxrep/18.1.35
[25]. Hanedar, E., Broccardo, E., &Bazzana, F. (2014). Collateral Requirements of SMEs: The Evidence from Less-Developed. Journal of Banking and Finance, 38, 106-121. Retrieved from https://doi.org/10.1016/j.jbankfin.2013.09.019
[26]. Heckman, J. (1978). Dummy Endogenous Variables in a Simultaneous Equation System. . Econometrica, 46, 931-959.
[27]. Heckman, J. (1974). The Common Structure of Statistical Models of Truncation, Sample Selection, and Limited Dependent Variable and a Simple Estimator For Such Models. Annals of Economic and Social Measurement, 475-492.
[28]. Heckman, J. J. (1979). Sample Selection Bias as a Specification Error. Econometrica, 47(1), 153-161.
[29]. Lee, N., Sameen, H., & Cowling, M. (2015). Access to Finance for Innovative SMEs Since the Financial Crisis. Research Policy, 44, 370-380. Retrieved from http://doi.org/10.1016/j.respol.2014.09.008
[30]. Levine, R. (2005). Chapter 12 Finance and Growth: Theory and Evidence Handbook of Economic Growth, I(part A).
[31]. Marlow, S., & Patton, D. (2005). All Credit to Men? Entrepreneurship, Finance, and Gender. Journal of Entrepreneurship Theory and Practice, 29(6), 717-735.
[32]. Mwabili, S. (2014). An Analysis of the Determinants of Access to Credit by Small and Medium Enterprises in the Informal Sector in Ongata Rongai. University of Nairobi.
[33]. Nabamita, D., & Sushanta, M. (2014). Digging Deeper into the Dynamics of Female Ownership of Firms and Access to Finance: An Empirical analysis of Indian Firms.
[34]. Quartey, P., Turksona, E., Aborb, J. Y., & Iddrisu, A. (2017). Financing the Growth of SMEs in Africa: What are the Constraints to SME financing within ECOWAS? Retrieved from http://creativecommons.org/licenses/by-nc-nd/4.0/
[35]. Rebel, A., & Dietrich, A. (2017). SME Credit Availability Around the World: Evidence from the World Bank Enterprise Surveys.
[36]. Weber,A. (1909). Theory of Location of Industries. University of Chicago press New York.
[37]. World Bank. (2011). Women, Business and the Law 2012. Removing Barriers to Economic Inclusion. Washington, DC.
[38]. World Bank (2019). Doing Business in Mongolia. Retrieved from http://www.doingbusiness.org/data/exploreeconomies/mongolia
[39]. WPMM, V. a. (1981). The Demand for Deductibles in Private Health Insurance: A Probit Model with Sample Selection. Journal of Econometrics, 17(2), 229–252.
[40]. Zeller, M. (1994). Determinants of Credits Rationing: A study of Informal Lenders and FormalCredit Groups in Madagascar. World Development, 22(12), 1895-1907.