1. Ministry of Micro, Small and Medium Enterprises, Annual Report, 2016-17.
2. Myers, S., & Majluf, N. (1984). Corporate financing and investment decisions when firms have information investors do not have. Journal of Financial Economics, 13(2), 187-221.
3. Little, I., Mazumdar, D., & Page, Jr. (1987). Small manufacturing enterprises: A comparative analysis of India and other economies, New York: Oxford University Press.
4. Fazzari, S. M., Hubbard, R.G. & Petersen, B.C. (1988). Financing constraints and corporate investment. Brooking Papers on Economic Activity, 1(3), 141-206.
5. Kumar, K., & Ramamurthi. (1990). Entrepreneurial Success: An Empirical Study in Hyderabad and Secunderabad Cities. Journal of Small Business Management, 28(5), 3-13.
6. Rajan, R. G. (1992). Insiders and Outsiders: The Choice between Informed and Arm's-Length Debt. Journal of Finance, 47(4), 1367-1400.
7. Petersen, M. A. & Rajan, R.G. (1995). The effect of credit market competition on firm creditor relationships. Quarterly Journal of Economics, 111(4), 407- 443.
8. Shinde, S. R. & Patel, K.V. (1995). Are our SSI Units Receiving Adequate Institutional Credit? 36(5), 42-52.
9. Kashyap, S. P. (1995). Emerging Industrial Policy Reforms: Implications for Small Size Enterprises’ Productivity, 36(5), 15-25.
10. Rudramurthy, M. (1998). Industrial Finance for the Development of Small Scale Industries in Karnataka. International Journal of Management Sciences, 18(3), 17-32.
11. Bhattacharya, D., Faiz, N., & Zohir, S. (2000). Policy for employment generation in the informal sector of Bangladesh - A study prepared for the international labor office. Dhaka: Centre for Policy Dialogue.
12. Berger, A., & Udell, G. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(4), 2945-2966.
13. Das, K. (2007). SMEs in India: issues and possibilities in times of globalization. In Hank Lim (Ed.), ASEAN SMEs and globalization. Tokyo: ERIA
14. Carbo, S., Rodriguez, F., & Udell, G. (2008). Bank lending, financing constraints and SME investment. Federal Reserve Bank of Chicago, WP 2008-2004.
15. International Finance Corporation MSME Report, 2011-12.