SANNI, Mubaraq, OKE, Lukman Adebayo and ALAYANDE, Idayat Titilayo. BANK CREDIT ACCESSIBILITY AND PERFORMANCE OF SMES IN KWARA STATE, NIGERIA: A PLS-SEM ANALYSIS. Copernican Journal of Finance & Accounting. Online. 31 July 2020. Vol. 9, no. 2, pp. 45-64. [Accessed 9 March 2026]. DOI 10.12775/CJFA.2020.007.