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A publicação pode ser exportada nos seguintes formatos: referência da APA (American Psychological Association), referência do IEEE (Institute of Electrical and Electronics Engineers), BibTeX e RIS.

Exportar Referência (APA) 
Murambire Júnior, B. J., Falcão, P. F. & Esperança, J. P. (2025). Small and medium-sized enterprise financing in the manufacturing industry: Demand-side determinants of bank credit access in Mozambique. International Journal of Entrepreneurship and Small Business. 54 (1), 48-82
Exportar Referência (IEEE) 
B. J. Junior et al.,  "Small and medium-sized enterprise financing in the manufacturing industry: Demand-side determinants of bank credit access in Mozambique", in Int. Journal of Entrepreneurship and Small Business, vol. 54, no. 1, pp. 48-82, 2025
Exportar BibTeX 
@article{junior2025_1735267866467,
	author = "Murambire Júnior, B. J. and Falcão, P. F. and Esperança, J. P.",
	title = "Small and medium-sized enterprise financing in the manufacturing industry: Demand-side determinants of bank credit access in Mozambique",
	journal = "International Journal of Entrepreneurship and Small Business",
	year = "2025",
	volume = "54",
	number = "1",
	doi = "10.1504/IJESB.2022.10056674",
	pages = "48-82",
	url = "https://www.inderscience.com/jhome.php?jcode=ijesb"
}
Exportar RIS 
TY  - JOUR
TI  - Small and medium-sized enterprise financing in the manufacturing industry: Demand-side determinants of bank credit access in Mozambique
T2  - International Journal of Entrepreneurship and Small Business
VL  - 54
IS  - 1
AU  - Murambire Júnior, B. J.
AU  - Falcão, P. F.
AU  - Esperança, J. P.
PY  - 2025
SP  - 48-82
SN  - 1476-1297
DO  - 10.1504/IJESB.2022.10056674
UR  - https://www.inderscience.com/jhome.php?jcode=ijesb
AB  - This paper examines the demand-side factors that influence small and medium-sized enterprises' (SMEs) access to bank financing in the manufacturing industry in Mozambique. A mixed-methods sequential explanatory design was applied, starting with quantitative research on a sample of 347 SMEs followed by qualitative research on 30 SMEs. Managers' experience, firm size, gross profit, and equity were found to be the only statistically significant determinants of SMEs' access to bank credit. The most important themes identified by the qualitative research were risk tolerance, financial literacy, financial management skills, loan terms offered, service quality, lessons learned, cultural aspects, managers' beliefs, and internal aspects. This study fills a research gap by examining the demand-side factors that influence SMEs' access to bank financing in the manufacturing industry in developing economies. The results provide a deeper understanding of which determinants are crucial in order to ensure effective strategies and tools in developing countries. An important implication is that policymakers need to implement holistic approaches that prioritise demand-side factors.
ER  -