BEN DARKAWI, Zakaria, Ahmed HEFNAOUI, Adil LOULID, and Mariam GADMI. “Corporate Governance As a Lever for Access to Bank Financing: The Case of Moroccan SMEs”. IJDAM • International Journal of Digitalization and Applied Management 2, no. 1 (April 30, 2025): 134–159. Accessed August 13, 2025. https://ojs.nmdjournals.org/index.php/ijdam/article/view/181.