Нургабдешов A., Д. Заманбеков, У. Чобан, and Еникеева A. “Does Gender Play Role in Access to Debt Finance in Kazakhstan?”. Journal of Economic Research &Amp; Business Administration, vol. 125, no. 3, Sept. 2018, pp. 64-72, https://be.kaznu.kz/index.php/math/article/view/1999.