Bedi SS, Lal AK, Kaur S. A Study of Credit Rating Potential and Awareness Among SMEs in Baddi Region of Himachal Pradesh. pijom [Internet]. 2013 Mar. 1 [cited 2025 Oct. 22];6(3):40-4. Available from: https://www.indianjournalofeconomicsandresearch.com/index.php/pijom/article/view/59984