OBIANAGWA, C. E. and EZE, N. U. (2020) “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, 4(4), pp. 161–182. Available at: https://jearecons.com/index.php/jearecons/article/view/180 (Accessed: 1 October 2025).