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Factoring Tangible and Intangible Resources into Small Medium Enterprise Resilient Index (SMERi): A Novel Contribution for SME Sustainability:
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Pascus, B. (2021, September 27). Many Black entrepreneurs feel shut out of the banking system; More than 60% of surveyed Black startup owners had not been able to secure a bank loan in a five-year period. Crain's New York Business, 37(34), 0003.

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D. M. Halemane and F. Janszen, "Business model innovation for entrepreneurs," 2012 International Symposium on Management of Technology (ISMOT), 2012, pp. 456-459,