APA (7th ed.) Citation

Ramirez, H., & Lim, T. S. (2025). The usage of financial services among Malaysian SMEs: An exploratory study. Elsevier.

Chicago Style (17th ed.) Citation

Ramirez, Humberto, and Thien Sang Lim. The Usage of Financial Services Among Malaysian SMEs: An Exploratory Study. Elsevier, 2025.

MLA (9th ed.) Citation

Ramirez, Humberto, and Thien Sang Lim. The Usage of Financial Services Among Malaysian SMEs: An Exploratory Study. Elsevier, 2025.

Warning: These citations may not always be 100% accurate.