“Does Collateral Security Still Determine Performance of SMEs? An empirical Study from Arua Municipal Council, Uganda”, IJOTM, vol. 9, no. 1, pp. 1 – 9, Jul. 2024, Accessed: Apr. 09, 2026. [Online]. Available: https://ijotm.utamu.ac.ug/index.php/ijotm/article/view/101