Fila, Joanna, Elżbieta Grzegorczyk, and Marta Paduszyńska. Selected Sources of Financing for Micro, Small and Medium-Sized Enterprises in Poland. Finance. Poland: Lodz University Press, 2022. Accessed January 26, 2026. https://www.press.uni.lodz.pl/index.php/wul/catalog/book/33.