مرعي الدرباق . أ. and محمد أبوزقية ع. ا. ., “Financing Small and Medium Enterprises through Non-Banking Financial Instruments Perceptions of Libyan Market Authority and the National Program for (SMEs) ”, Dirasat. Econ. B, vol. 43, no. 2, pp. 123–138, Jan. 2026.