Çela, S., and A. Bani. “Empirical Estimates of the Lack of Liquidity and the Use of Factoring by SME in Albania”. ANGLISTICUM. Journal of the Association-Institute for English Language and American Studies, vol. 4, May 2016, pp. 101-1, https://anglisticum.org.mk/index.php/IJLLIS/article/view/834.