Bayate, C. H. L., De la Cruz, E. A., Gallo, M. R. C., Gonzaga, M. T. P., & Polohan, M. B. A research on the financing of small and medium enterprises' business operations and its effect on the firm's profitability.

Bayate, Caryl Hyacinth L., Ella A. De la Cruz, Ma. Rae C. Gallo, Ma. Theresa P. Gonzaga, and Myrisia B. Polohan. A Research on the Financing of Small and Medium Enterprises' Business Operations and Its Effect on the Firm's Profitability. 2000.

Bayate, Caryl Hyacinth L., et al. A Research on the Financing of Small and Medium Enterprises' Business Operations and Its Effect on the Firm's Profitability.