Cowan, Adrian M., and Charles D. Cowan. “The Dynamics of Credit Quality and Implications for The Pricing of Small Business Loans”. International Journal of Banking and Finance 5, no. 2 (August 18, 2008): 31–60. Accessed April 29, 2024. https://e-journal.uum.edu.my/index.php/ijbf/article/view/8367.