Gurama, Zakariyau, Haruna Dadum Hamza, and Ezra Samaila Danbauchi. “Determinants of Financial Assistance and Credit Accessibility of Small and Medium Enterprises: A Study of Textile Stores in Gombe Metropolis”. International Journal of Intellectual Discourse 7, no. 4 (December 31, 2024). Accessed January 2, 2026. https://ijidjournal.org/index.php/ijid/article/view/638.