Kwaning, C. O. ., Aidoo, G. S., Tenobi , D. E. ., Owusu, A. ., & Afriyie, E. O. . (2024). Entrepreneur Characteristics, Human Capital Diversity and Access to Debt Financing Among SMEs: Moderating Effect of Academic Qualification and Social Networks . Journal of Ecohumanism, 3(3), 1933–1947. https://doi.org/10.62754/joe.v3i3.3593