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2023

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Cie152.3 Project Design And The Entrepreneur Business Concepts Example 1, Sae University College Dec 2023

Cie152.3 Project Design And The Entrepreneur Business Concepts Example 1, Sae University College

Exemplars

CIE152 Project 3.


The Role Of Lis Professional In Open Educational Resources And Its Impact In Bangladesh, Dr. Md. Azizur Rahman, Sumitra Mitra Biswas, Dr. Subrata Biswas Dec 2023

The Role Of Lis Professional In Open Educational Resources And Its Impact In Bangladesh, Dr. Md. Azizur Rahman, Sumitra Mitra Biswas, Dr. Subrata Biswas

Library Philosophy and Practice (e-journal)

Introduction- This study aims to explore of the role of LIS Professionals in open educational resources (OERs) and its impact on Bangladesh. In addition, there is a focus on raising awareness and improving open educational resources.

Purpose – The purpose of the study is to provide quantitative information on the growth and development of the LIS professionals in OER in Bangladesh. In addition, the focus is on raising awareness and improving open educational resources.

Research problem- The study is about acquiring data sources, facing huge problems related to field of LIS Professionals in OER in Bangladesh. LIS professionals in the …


Understanding And Combating The Spread Of Antibiotic-Resistant Organisms, Bejan Mahmud Dec 2023

Understanding And Combating The Spread Of Antibiotic-Resistant Organisms, Bejan Mahmud

Arts & Sciences Graduate Student Theses and Dissertations

The introduction of antibiotics in the 20th century stands as one of our greatest scientific achievements, profoundly transforming human health and global well-being. Over the past century, antibiotics have ensured that infectious diseases are no longer the most common causes of death worldwide. In further enabling a vast array of invasive medical procedures (e.g., surgeries, organ transplants), antibiotics have effectively added decades to the average human lifespan. In agriculture, antibiotics have been heavily relied upon to meet the nutritional demands of the growing human population. Thus, ever since the introduction of penicillin, antibiotics have been the “miracle drugs” they were …


Information Literacy In English-Language Higher Education Teaching Journals: A Review, Jennifer Masunaga, Lanyi Peng, Tiffanie Ford-Baxter, Kendall Faulkner Dec 2023

Information Literacy In English-Language Higher Education Teaching Journals: A Review, Jennifer Masunaga, Lanyi Peng, Tiffanie Ford-Baxter, Kendall Faulkner

Communications in Information Literacy

Wider visibility of information literacy (IL) outside of the library and information science (LIS) field is important to the success of IL instruction, learning, and research. The development and major updates of several information literacy documents in the past decade evidence the changing landscape of IL research, but how these changes have impacted other disciplines remains to be seen. To aid in this discussion, this article examines a wide range of higher education teaching journals to expand on Badke's (2011) work, “Why Information Literacy is Invisible.” Specifically, this study examines articles published in 30 general higher education and 32 …


Quality Matters: Using A Peer-Review Process To Create A Cohesive Multi-Campus Library Online Instruction Program, Stephanie Jacobs, Maryellen Nash, Theresa Burress, Kaya Van Beynen Dec 2023

Quality Matters: Using A Peer-Review Process To Create A Cohesive Multi-Campus Library Online Instruction Program, Stephanie Jacobs, Maryellen Nash, Theresa Burress, Kaya Van Beynen

Communications in Information Literacy

Librarians within a newly combined, multi-campus research and instruction department undertook a large-scale peer review of their online instruction program and materials. This collaborative assessment project sought to unite three library departments with a cohesive vision for self-guided online library instruction while establishing consistent quality standards and building a shared sense of ownership and accomplishment. These goals were achieved through a collaborative assessment of online instructional modules that included the development of a novel rubric based on the Quality Matters Course Design Standards. This article reports on that ongoing journey, as well as the goals, challenges, and outcomes of the …


Truth Or Consequences: Academic Instruction Librarians As Information Literacy And Critical Thinking Activists, Laureen P. Cantwell-Jurkovic, Heather F. Ball Dec 2023

Truth Or Consequences: Academic Instruction Librarians As Information Literacy And Critical Thinking Activists, Laureen P. Cantwell-Jurkovic, Heather F. Ball

Communications in Information Literacy

The graphic edition of Snyder’s On Tyranny (2021) states "truth dies in four modes," which is a contemporary synthesis connected to Klemperer's Language of the Third Reich (1957). The researchers connected these four modes to information literacy (IL) instruction—but would others? The researchers surveyed academic librarians engaged in IL instruction on whether they felt they addressed any of the modes in their work. The researchers also asked whether they believe the ACRL Framework for Information Literacy for Higher Education works to circumvent any of the four modes. Nearly 150 librarians responded and, while most respondents were unfamiliar with the two …


Successful Functional Prototyping With 3d Printing, Amy Xue, Ruth Okamoto Dec 2023

Successful Functional Prototyping With 3d Printing, Amy Xue, Ruth Okamoto

Mechanical Engineering and Materials Science Independent Study

The goal of the independent study is to develop a training module that educates users on how to successfully incorporate 3D printed parts into functional prototypes. To start, online research was conducted on recommended practices for 3D printing of functional prototypes. During this research, I identified 3D printing visualizations that demonstrated these recommended practices and printed them for use in the module. I also researched other academic makerspaces with respect to their 3D printing capabilities and training provided to users. Then, I performed mechanical tests on 3D printed ”dog bone” specimens to characterize the effect of print orientation on the …


Winter Commencement: December 14-15, 2023, University Of North Dakota Dec 2023

Winter Commencement: December 14-15, 2023, University Of North Dakota

UND Commencement Programs

UND Winter Commencement program from December 14 and 15, 2023.


Iron Oxide-Coupled Crispr-Ncas9-Based Genome Editing Assessment In Mucopolysaccharidosis Iva Mice, Andrés Leal, Betul Celik, Nidhi Fnu, Shaukat Khan, Shunji Tomatsu Dec 2023

Iron Oxide-Coupled Crispr-Ncas9-Based Genome Editing Assessment In Mucopolysaccharidosis Iva Mice, Andrés Leal, Betul Celik, Nidhi Fnu, Shaukat Khan, Shunji Tomatsu

Department of Pediatrics Faculty Papers

Mucopolysaccharidosis (MPS) IVA is a lysosomal storage disorder caused by mutations in the GALNS gene that leads to the lysosomal accumulation of keratan sulfate (KS) and chondroitin 6-sulfate, causing skeletal dysplasia and cardiopulmonary complications. Current enzyme replacement therapy does not impact the bone manifestation of the disease, supporting that new therapeutic alternatives are required. We previously demonstrated the suitability of the CRISPR-nCas9 system to rescue the phenotype of human MPS IVA fibroblasts using iron oxide nanoparticles (IONPs) as non-viral vectors. Here, we have extended this strategy to an MPS IVA mouse model by inserting the human GALNS cDNA into the …


Characterizing The Evaporating Droplets Over Heterogeneous Wettability Surfaces, Xi Li Dec 2023

Characterizing The Evaporating Droplets Over Heterogeneous Wettability Surfaces, Xi Li

Theses

This work investigates deposition patterns left by evaporating particle-laden droplets on heterogeneous surfaces with spatially varying wettability. Spatial differences in receding contact angles give rise to scalloped-shaped contact lines. During evaporation, the contact line recedes in one location and remains pinned in another. This non-uniform contact line recession results in particle self-assembly above areas where the contact line remains pinned, but not where it recedes. This behavior is fairly robust across a variety of particle sizes, concentrations, and device geometries. We hypothesize that particle self-assembly in these cases is due to the competition between particle diffusion and the evaporative-driven advective …


Catalyst-Free Epitaxy Of Core-Shell Nanowire Arrays For Wavelength-Selective And Substrate-Free Optoelectronic Devices, Alireza Abrand Dec 2023

Catalyst-Free Epitaxy Of Core-Shell Nanowire Arrays For Wavelength-Selective And Substrate-Free Optoelectronic Devices, Alireza Abrand

Theses

This research is dedicated to advancing catalyst-free epitaxial growth methods for indium arsenide-based nanowires (NWs) on foreign substrates, including silicon and two-dimensional (2D) materials. The findings presented here demonstrate new methods for low-cost III-V semiconductor NW synthesis, manipulation of NW optical properties, and advanced techniques for modulation of NW geometry and composition during selective-area epitaxy (SAE). The first part of this work explores the growth of InAs NWs with sub-lithographic dimensions on reusable Si (111), toward NW membrane-based optoelectronic devices such as infrared photodetectors (IR PDs). A SiO2 masking template is first patterned using i-line photolithography, yielding hexagonal arrays of …


Route Condition Estimation By Video Data Analysis, Sharafat Hossain Dec 2023

Route Condition Estimation By Video Data Analysis, Sharafat Hossain

Theses and Dissertations

Catastrophic natural disasters have an impact on millions of individuals each year, whether directly or indirectly. A successful rescue operation can save a great deal of lives in the post-disaster phase, but researchers are still facing difficulties in carrying this out. Even while they are in peril, today's people frequently post updates about their whereabouts on well-known social media platforms, sometimes even asking for help. A prompt and appropriate response to these catastrophic events depends on developing an efficient and automated approach capable of retrieving real-time data from impacted locations and extracting essential elements. The research focuses on predicting flood …


A New Right Is The Wrong Tactic: Bring Legal Actions Against States For Internet Shutdowns Instead Of Working Towards A Human Right To The Internet (Part 2), Jay T. Conrad Dec 2023

A New Right Is The Wrong Tactic: Bring Legal Actions Against States For Internet Shutdowns Instead Of Working Towards A Human Right To The Internet (Part 2), Jay T. Conrad

Seattle Journal of Technology, Environmental, & Innovation Law

This Article is the second of a two-part series about an increasingly prevalent threat to human rights: State-sanctioned Internet shutdowns. Part 1 detailed Internet shutdown tactics and potential human rights violations that could result from a shutdown. Now, Part 2 addresses the deficiencies of advocating for Internet access to be a recognized human right as a means of combatting shutdowns. Despite the popularity of this proposed solution, the harms of Internet shutdowns are better addressed through traditional legal avenues, such as bringing claims against the sanctioning state.

Part 1 can be found in The Seattle Journal of Technology, Environmental & …


Assessing The Potential Involutionary Effects Of New Copyright Laws: A Techno-Legal Analysis Based On The Impact Of Web 3.0 On Copyright Protection, Alvin Hung Dec 2023

Assessing The Potential Involutionary Effects Of New Copyright Laws: A Techno-Legal Analysis Based On The Impact Of Web 3.0 On Copyright Protection, Alvin Hung

Seattle Journal of Technology, Environmental, & Innovation Law

As Internet technology evolves, legal professionals and academics must stay current and adapt to these inevitable technological changes. This article investigates the extensive influence of the latest version of the World Wide Web (the Web)—Web 3.0—on copyright laws based on a techno-legal analysis that considers the opportunities and challenges of this new technology. The principal version of copyright laws, the Digital Millennium Copyright Act (DMCA), was enacted in 1998 during the Web 1.0 era, signifying an impending need for appropriate updates in the new Web 3.0 era. This article traces the historical development of U.S. copyright laws by positing it …


Embracing The Flow: The Right To Menstrual Health As A Response To Climate Change Impacts In South Asia, Lea Kuhlmann Dec 2023

Embracing The Flow: The Right To Menstrual Health As A Response To Climate Change Impacts In South Asia, Lea Kuhlmann

Seattle Journal of Technology, Environmental, & Innovation Law

No abstract provided.


“I’Ll Have The Fish, Please” – Why Wild, Sustainable Fisheries In The United States Need Permanent Federal Protection, And Fast, Renee Larson Dec 2023

“I’Ll Have The Fish, Please” – Why Wild, Sustainable Fisheries In The United States Need Permanent Federal Protection, And Fast, Renee Larson

Seattle Journal of Technology, Environmental, & Innovation Law

No abstract provided.


The Reality Of Assisted Reproductive Technology: A Call For The Prohibition Of Donor Anonymity, Gisell Mondragon Dec 2023

The Reality Of Assisted Reproductive Technology: A Call For The Prohibition Of Donor Anonymity, Gisell Mondragon

Seattle Journal of Technology, Environmental, & Innovation Law

No abstract provided.


Regulation, Radiation, And Rationality: Calculating An Intersection Of Law And Economics To Enable Nuclear Power Innovation In The United States, Sandra Roettgering Dec 2023

Regulation, Radiation, And Rationality: Calculating An Intersection Of Law And Economics To Enable Nuclear Power Innovation In The United States, Sandra Roettgering

Seattle Journal of Technology, Environmental, & Innovation Law

No abstract provided.


“Vr”: Virtual Reality, Or Very Risky? Injuries And Liability From Virtual Reality Headsets, Andrew Stein Dec 2023

“Vr”: Virtual Reality, Or Very Risky? Injuries And Liability From Virtual Reality Headsets, Andrew Stein

Seattle Journal of Technology, Environmental, & Innovation Law

No abstract provided.


Impact Of Library Instruction Tutorial Format On Student Preference And Performance In First-Year Chemistry, Tara Stieglitz, Lindsey Whitson Dec 2023

Impact Of Library Instruction Tutorial Format On Student Preference And Performance In First-Year Chemistry, Tara Stieglitz, Lindsey Whitson

Communications in Information Literacy

This research study investigates the effects of library instruction tutorial format (written versus video) on student preference and performance in chemistry education. The authors assessed the format of tutorials used to provide library instruction in an introductory chemistry course by observing 27 student participants as they took in instructions in either a video or a written format and then completed two chemistry information tasks. While participants expressed strong preferences for particular formats, neither the video tutorials nor the written instructions significantly improved task completion speed or performance. Rather, the authors determined that student preference alone is enough to justify the …


Rapid Cryogenic Electrical Characterization Of Materials And Devices Using Gifford-Mcmahon Cryocoolers, Margaret Marte, Bernardo Langa Jr., Patrick Johnson, Deepak Sapkota, Kathryn Evancho, Bernadeta Srijanto, Dale Hensley, Kasra Sardashti Dec 2023

Rapid Cryogenic Electrical Characterization Of Materials And Devices Using Gifford-Mcmahon Cryocoolers, Margaret Marte, Bernardo Langa Jr., Patrick Johnson, Deepak Sapkota, Kathryn Evancho, Bernadeta Srijanto, Dale Hensley, Kasra Sardashti

Journal of the South Carolina Academy of Science

Thin-film heterostructures are necessary building blocks for superconducting and phononic quantum computing devices. Many new generations of quantum hardware demand extensive materials research to optimize performances at cryogenic temperatures (below 10 K). Here, we demonstrate compact cryogenic measurement systems capable of reaching sub-10K temperatures in less than three hours with the ability to measure AC/DC resistance and dielectric properties of thin-film materials. Our platform utilizes Gifford-McMahon (GM) cryocoolers as effective tools for providing high throughput cooling-warming cycles. We successfully used the GM-based measurement systems to measure 1) the superconducting transition temperature for Nb thin films (Tc ~7.8 K), and 2) …


Stochastic Point Process Modeling For Engineering Applications, Samarth Motagi Dec 2023

Stochastic Point Process Modeling For Engineering Applications, Samarth Motagi

Doctoral Dissertations and Master's Theses

Hawkes model or self-exciting point process model is a branching point process model. The model classifies the dataset of discrete events to background and offspring events. It has been used to study interconnected events in many fields, but relatively little work exists in applying these concepts to engineering problems. In our research, we use a self-exciting point process model for two engineering applications: (a) To identify secondary crashes from a given traffic data and (b) To quantify the agglomeration state and size of nanoparticles from computationally generated carbon nanotube microstructure using stochastic percolation model and experimentally generated titanium nanoparticle microstructures. …


Re-Thinking Education For Sustainable Development: Key Learning Insights From The Sdsn Usa Transformative Education Summit 2023, Radhika Iyengar, Sumie Song, Deepak Sridhar, Wendy M. Purcell, Ann Nielsen, Iveta Silova, Matthew A. Witenstein, Wen-Wen Tung Dec 2023

Re-Thinking Education For Sustainable Development: Key Learning Insights From The Sdsn Usa Transformative Education Summit 2023, Radhika Iyengar, Sumie Song, Deepak Sridhar, Wendy M. Purcell, Ann Nielsen, Iveta Silova, Matthew A. Witenstein, Wen-Wen Tung

Journal of Contemplative and Holistic Education

This paper summarizes key learning insights from the 2023 U.S. Summit on Transformative Education organized by the Sustainable Development Solutions Network USA. Over 400 members from higher education institutions, non-governmental organizations, think tanks, students, and teachers, joined the online event held February 23-25. The Summit created a bridge between social justice issues with an historical lens and sustainable development. Learning insights include those shared by session speakers, dialogue among participants during thematic conversations and regional networking forums, comments made by attendees on session Jamboards and the Zoom Chat function, and post-Summit feedback. A high-level thematic review was undertaken to cluster …


Race: An Efficient Redundancy-Aware Accelerator For Dynamic Graph Neural Network, Hui Yu, Yu Zhang, Jin Zhao, Yujian Liao, Zhiying Huang, Donghao He, Lin Gu, Hai Jin, Xiaofei Liao, Haikun Liu, Bingsheng He, Jianhui Yue Dec 2023

Race: An Efficient Redundancy-Aware Accelerator For Dynamic Graph Neural Network, Hui Yu, Yu Zhang, Jin Zhao, Yujian Liao, Zhiying Huang, Donghao He, Lin Gu, Hai Jin, Xiaofei Liao, Haikun Liu, Bingsheng He, Jianhui Yue

Michigan Tech Publications

Dynamic Graph Neural Network (DGNN) has recently attracted a significant amount of research attention from various domains, because most real-world graphs are inherently dynamic. Despite many research efforts, for DGNN, existing hardware/software solutions still suffer significantly from redundant computation and memory access overhead, because they need to irregularly access and recompute all graph data of each graph snapshot. To address these issues, we propose an efficient redundancy-aware accelerator, RACE, which enables energy-efficient execution of DGNN models. Specifically, we propose a redundancy-aware incremental execution approach into the accelerator design for DGNN to instantly achieve the output features of the latest graph …


E-Cigarette Use And Respiratory Symptoms In Adults: A Systematic Review And Meta-Analysis, Mohammed M. Alqahtani, Faraj K. Alenezi, Mohammed A. Almeshari, Abdullah M. Alanazi, Ziyad Ben Taleb, Mohammad E Ebrahimi Kalan, Mary P. Martinasek, Rheese J. Mcnab, Rachel Culbreth, Mansour Alotaibi, Hassan Alijohani, Lynda T. Goodfellow, Taha T. Ismaeil, Saleh S. Algarni, Tareq F. Alotaibi, Mobarek K. Alqahtani, Hamoud Al-Ajel, Khalid S. Alwadeai, Nafea S. Almutairi, Eric Ford Dec 2023

E-Cigarette Use And Respiratory Symptoms In Adults: A Systematic Review And Meta-Analysis, Mohammed M. Alqahtani, Faraj K. Alenezi, Mohammed A. Almeshari, Abdullah M. Alanazi, Ziyad Ben Taleb, Mohammad E Ebrahimi Kalan, Mary P. Martinasek, Rheese J. Mcnab, Rachel Culbreth, Mansour Alotaibi, Hassan Alijohani, Lynda T. Goodfellow, Taha T. Ismaeil, Saleh S. Algarni, Tareq F. Alotaibi, Mobarek K. Alqahtani, Hamoud Al-Ajel, Khalid S. Alwadeai, Nafea S. Almutairi, Eric Ford

APC Fund

Introduction:
Electronic cigarette (e-cigarette) use is gaining popularity among adults. Monitoring e-cigarette-induced respiratory symptoms is crucial for both clinical and regulatory purposes. We systematically reviewed the current literature to understand the prevalence of respiratory symptoms among exclusive e-cigarette users, dual users, and former smokers.

Methods:
Databases searched included PubMed, CINAHL, Cochrane Library, Embase, and Scopus. We included all English-language, empirical quantitative articles that explored the prevalence of e-cigarette-related respiratory symptoms. Random-effects models were utilized in conducting the meta-analyses. The quality of identified studies was evaluated using the NIH Study Quality Assessment Tools. This study is registered with PROSPERO(#CRD42020165973).

Results:
The …


Multilayer Perceptron Modeling For Social Dysfunction Prediction Based On General Health Factors In An Iranian Women Sample, Sajjad Bagheri, Sarvenaz Taridashti, Hojjatollah Farahani, Peter Watson, Elham Rezvani Dec 2023

Multilayer Perceptron Modeling For Social Dysfunction Prediction Based On General Health Factors In An Iranian Women Sample, Sajjad Bagheri, Sarvenaz Taridashti, Hojjatollah Farahani, Peter Watson, Elham Rezvani

Department of Psychology Faculty Scholarship and Creative Works

In the year 2022, this research conducted an in-person study involving 780 single or widowed women, aged between 20 and 70, falling within the bottom three economic deciles and possessing varying levels of education. All participants held educational qualifications below a high school diploma and were beneficiaries of charitable financial support in Khorasan province, Iran. The study aimed to investigate the predictive factors of social dysfunction in this specific demographic. Data collection spanned a 12-month period throughout 2022, with participants completing the GHQ-28 questionnaire during their visits to the charity office. Clinical in-person interviews were also conducted to gather comprehensive …


Vapor-Phase Synthesis Of Electrocatalytic Covalent Organic Frameworks, Syed Ibrahim Gnani Peer Mohamed, Shahriar Namvar, Tan Zhang, Hessam Shahbazi, Zhen Jiang, Andrew M. Rappe, Amin Salehi-Khojin, Siamak Nejati Dec 2023

Vapor-Phase Synthesis Of Electrocatalytic Covalent Organic Frameworks, Syed Ibrahim Gnani Peer Mohamed, Shahriar Namvar, Tan Zhang, Hessam Shahbazi, Zhen Jiang, Andrew M. Rappe, Amin Salehi-Khojin, Siamak Nejati

Department of Chemical and Biomolecular Engineering: Faculty Publications

The inability to process many covalent organic frameworks (COFs) as thin films plagues their widespread utilization. Herein, a vapor-phase pathway for the bottom-up synthesis of a class of porphyrin-based COFs is presented. This approach allows integrating electrocatalysts made of metal-ion-containing COFs into the electrodes’ architectures in a single-step synthesis and deposition. By precisely controlling the metal sites at the atomic level, remarkable electrocatalytic performance is achieved, resulting in unprecedentedly high mass activity values. How the choice of metal atoms, i.e., cobalt and copper, can determine the catalytic activities of POR-COFs is demonstrated. The theoretical data proves that the Cu site …


Exploring The Coverage Of Cyberchondria Addiction In Newspapers: A Perspective From The Usa, Rifat Afrin, Mumtahina Obaid, Gayle Prybutok, Ahasan Harun, Victor R. Prybutok Dec 2023

Exploring The Coverage Of Cyberchondria Addiction In Newspapers: A Perspective From The Usa, Rifat Afrin, Mumtahina Obaid, Gayle Prybutok, Ahasan Harun, Victor R. Prybutok

Information Systems Faculty Publications

Objectives: The purpose of this study is to investigate how US newspapers reported cyberchondria from 2009 to 2021. Cyberchondria shares similarities with addiction, making it imperative to delve into its representation in media. Cyberchondria refers to an issue of excessive and repetitive internet searches for health information often accompanied by obsessive-compulsive behavior. The goal of this research is locate the frames that appear in cyberchondria coverage, look at how the frames have changed over the given time span, and assess the emotions that the news frames portray.

Method: After collecting the relevant news items, the study applies correspondence analysis, sentiment …


Deep-Learning Based Multiple-Model Bayesian Architecture For Spacecraft Fault Estimation, Rocio Jado Puente Dec 2023

Deep-Learning Based Multiple-Model Bayesian Architecture For Spacecraft Fault Estimation, Rocio Jado Puente

Doctoral Dissertations and Master's Theses

This thesis presents recent findings regarding the performance of an intelligent architecture designed for spacecraft fault estimation. The approach incorporates a collection of systematically organized autoencoders within a Bayesian framework, enabling early detection and classification of various spacecraft faults such as reaction-wheel damage, sensor faults, and power system degradation.

To assess the effectiveness of this architecture, a range of performance metrics is employed. Through extensive numerical simulations and in-lab experimental testing utilizing a dedicated spacecraft testbed, the capabilities and accuracy of the proposed intelligent architecture are analyzed. These evaluations provide valuable insights into the architecture's ability to detect and classify …


Fintech And Entrepreneurship: An Assessment Model To Evaluate Policy Instruments For Fintech Adoption By Small And Medium Enterprises (Smes), Deemah Abdullah Alassaf Dec 2023

Fintech And Entrepreneurship: An Assessment Model To Evaluate Policy Instruments For Fintech Adoption By Small And Medium Enterprises (Smes), Deemah Abdullah Alassaf

Dissertations and Theses

Small and medium enterprises (SMEs) are the engines that drive economic development. They are the backbone of the middle class as they provide social stability, innovation, inclusive growth, and poverty alleviation. SMEs contribute significantly to job creation, employment, tax provision and the Gross Domestic Product (GDP). However, they face inferior conditions and challenges when it comes to their financing compared to that of large enterprises, as well as having a high expectancy of failing. Because of these limitations, SMEs tend to grow slowly since building up higher credit is difficult for them, and in addition to this, they lack access …