OBIANAGWA, C. E.; EZE, N. U. THE 2004 BANKING SECTOR REFORMS IN NIGERIA AND FUNDING CHALLENGES TO SMES: SHARING THE CULPABILITY BETWEEN LENDERS AND BORROWERS. JOURNAL OF ECONOMICS AND ALLIED RESEARCH, [S. l.], v. 4, n. 4, p. 161–182, 2020. Disponível em: http://jearecons.com/index.php/jearecons/article/view/180. Acesso em: 10 mar. 2025.