Page 95 - IMDR MSME BOOK 2021
        P. 95
     Managing Finance in Micro, Small & Medium Enterprises
            19.  George, A. (1970). The market for lemons: Quality
                 uncertainty  and  the  market  mechanism.  The
                 Quarterly Journal of Economics, 84(2), 488–500.
             20.  Government  of  India,  1997.  Report  of  the  Expert
                 Committee  on  Small  Enterprises  (Chairman:  Abid
                 Hussain).  New  Delhi:  National  Council  of  Applied
                 Economic Research.
             21.  Guthomann,  Harry.G,  Dougall  Herbert.E,  “Corpo-
                 rate Financial Policy”, Prentice Hall of India Pvt. Ltd.,
                 New Delhi, 4th Edition, 1964
             22.  Hallberg, K., 2001. A Market-Oriented Strategy for
                 Small and Medium-Scale Enterprises. International
                 Finance Corporation Discussion Paper 40
             23.  Hema Bansal. (2003). “SHG- Bank linkage program
                 in  India:  an  overview,”  Journal  of  Micro  nance,
                 volume 5, 2003.
             24.  Hodgman,  D.  R.  (1960).  Credit  Risk  and  Credit
                 Rationing.  Quarterly  Journal  of  Economics,  74(6),
                 258-278.
             25.  Hongbo,  D.,  Xiaojie,  H.  &  Hongbo,  Y.  (2009).  An
                 Analysis of Causes for SME’s Financing Difculty,
                 International  Journal  of  Business  Management,
                 4(2), 73-75.
             26.  Hugh D Walpole & Robyn S Wilson (2021) Extending
                 a broadly Sapplicable measure of risk perception: the
                 case  for  susceptibility,  Journal  of  Risk  Research,
                 24:2, 135-147
             27.  Jimenez, G., S. Ongena, J.-L. Peydro and J. Saurina
                 (2012).  "Credit  Supply  versus  Demand:  Bank  and
                 Firm  Balance-Sheet  Channels  in  Good  and  Crisis
                 Times".
             28.  Lahiri, R. (2012) “Problems and prospects of Micro,
                 small and medium enterprises (MSMEs) in India in





