Halim Bin Mad Lazim, Khansa Masood, Mohd Noor B Mohd Shariff,. “SMEs Performance and Interaction of Knowledge Management, Human Capital and Finance Access”. Opción 350 (August 13, 2019): 161-174. Accessed June 8, 2025. https://mail.produccioncientificaluz.org/index.php/opcion/article/view/24691.