1. Amhara universities forum and CSA, 2022 report on the effect of the northern war in the Amhara region. http://forum.org.et.
2. Andaregie, A., Astatkie, T. 2021. Determinants of technology adoption by micro and small enterprises (MSEs) in Awi zone, Northwest Ethiopia. AFRICAN JOURNAL OF SCIENCE TECHNOLOGY INNOVATION & DEVELOPMENT, Early AccessMAY 2021https://doi.org/10.1080/20421338.2021.1923385
3. Arega Shumetie and Mulugeta Damie Watabaji, (2019), effect of corruption and political instability on enterprises' innovativeness in Ethiopia: pooled data-based, Journal of Innovation and Entrepreneurship, 8, (1), 1-19
4. Aryeetey, E., Ahene, A. (2004). Changing Regulatory Environment for Small-MediumSize Enterprises and Their Performance in Ghana"; Institute of Statistical, Social and Economic Research; University of Ghana, Legon.https://ideas.repec.org/p/ags/idpmcr/30594.html.
5. Aveiro, E.2016. Challenges faced by SMEs when accessing fund from financial institutions available inhttps://www.Theseus.fi/bitstream/handle/10024/108217/FINAL%20.