Analysis of access to short-term financing of cameroonian SMEs : Study on panel data. Journal of Academic Finance, [S. l.], v. 13, n. 1, p. 84–100, 2022. DOI: 10.59051/joaf.v13i1.537. Disponível em: https://www.scientific-society.com/AF/article/view/537. Acesso em: 14 dec. 2025.