Almbrok, A.A. and Ayedh, A.A. 2015. DETERMINANTS OF THE ACCESS TO SOURCES OF FINANCE FOR SMALL AND MEDIUM ENTERPRISES (SMES) IN LIBYA: A CONCEPTUAL STUDY. PEOPLE: International Journal of Social Sciences. 1, 1 (Jul. 2015), 1040–1055. DOI:https://doi.org/10.20319/pijss.2015.s21.10401055.