Althobaiti, Shrouq Saad, and Nadia Ahmed Bajaber. “Determinants of Small and Medium-Sized Enterprises’ Financing Demand in Saudi Arabia (1996-2020)”. Journal of Economic, Administrative and Legal Sciences 9, no. 2 (February 28, 2025): 95–110. Accessed December 20, 2025. https://ajsrp.ojsexpert.com/index.php/jeals/article/view/8663.