Mahmood, Rosman, and Ahmad Suffian Mohd Zahari. “Delivery Mechanisms and Microenterprises Performance: An Analysis of Microcredit Program”. Emerging Science Journal 5, no. 3 (June 1, 2021): 338–349. Accessed March 12, 2026. https://www.ijournalse.org/index.php/ESJ/article/view/375.