@techreport{ogwuike2025sme,
  author    = {Ogwuike, Clinton Obinna},
  title     = {The {African} {SME} Financing Gap: Causes, Consequences, and a Path Forward},
  institution = {MMK Consult},
  year      = {2025},
  month     = {September},
  type      = {Working Paper},
  url       = {https://mmkconsult.com/publications/african-sme-financing-gap/}
}