SME Financing in Pakistan: The Role of Collateral-Free Lending and Digital Credit Scoring. Advance Journal of Econometrics and Finance, [S. l.], v. 3, n. 4, p. 20–33, 2025. DOI: 10.63075/41c1y523. Disponível em: https://ajeaf.com/index.php/Journal/article/view/143. Acesso em: 29 apr. 2026.