{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,17]],"date-time":"2026-04-17T23:59:16Z","timestamp":1776470356570,"version":"3.51.2"},"reference-count":163,"publisher":"Informa UK Limited","issue":"1","funder":[{"DOI":"10.13039\/501100009946","name":"Fundaci\u00f3n de las Cajas de Ahorros","doi-asserted-by":"crossref","award":["EF001-2018; EF003-2021"],"award-info":[{"award-number":["EF001-2018; EF003-2021"]}],"id":[{"id":"10.13039\/501100009946","id-type":"DOI","asserted-by":"crossref"}]},{"name":"Funda\u00e7\u00e3o para a Ci\u00eancia e Tecnologia"},{"DOI":"10.13039\/501100004837","name":"Spanish Ministry of Science and Innovation","doi-asserted-by":"publisher","id":[{"id":"10.13039\/501100004837","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":["www.tandfonline.com"],"crossmark-restriction":true},"short-container-title":["Journal of Small Business Management"],"published-print":{"date-parts":[[2024,1,2]]},"DOI":"10.1080\/00472778.2022.2051176","type":"journal-article","created":{"date-parts":[[2022,4,20]],"date-time":"2022-04-20T10:28:52Z","timestamp":1650450532000},"page":"331-380","update-policy":"https:\/\/doi.org\/10.1080\/tandf_crossmark_01","source":"Crossref","is-referenced-by-count":53,"title":["Financial literacy in SMEs: A systematic literature review and a framework for further inquiry"],"prefix":"10.1080","volume":"62","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-2571-4918","authenticated-orcid":false,"given":"Roberto","family":"Gra\u00f1a-Alvarez","sequence":"first","affiliation":[{"name":"ECOBAS, Universidade de Vigo","place":["Ourense, Spain"]}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-1576-7207","authenticated-orcid":false,"given":"Ernesto","family":"Lopez-Valeiras","sequence":"additional","affiliation":[{"name":"ECOBAS, Universidade de Vigo","place":["Ourense, Spain"]},{"name":"Galicia Sur Health Research Institute (IIS Galicia Sur), SERGAS-UVIGO","place":["Pontevedra, Spain"]}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-4299-1995","authenticated-orcid":false,"given":"Miguel","family":"Gonzalez-Loureiro","sequence":"additional","affiliation":[{"name":"Universidade de Vigo, Departamento de Organizaci\u00f3n de Empresas e Marketing","place":["Vigo, Spain"]},{"name":"Polytechnic Institute of Porto","place":["Porto, Portugal"]}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-0624-1545","authenticated-orcid":false,"given":"Freddy","family":"Coronado","sequence":"additional","affiliation":[{"name":"University of Chile","place":["Santiago de Chile, Chile"]}]}],"member":"301","published-online":{"date-parts":[[2022,4,20]]},"reference":[{"key":"e_1_3_3_3_1","doi-asserted-by":"publisher","DOI":"10.1093\/jae\/ejy007"},{"key":"e_1_3_3_4_1","doi-asserted-by":"publisher","DOI":"10.1080\/14697680902878105"},{"issue":"4","key":"e_1_3_3_5_1","first-page":"1","article-title":"Financial literacy and firm performance: The moderating role of financial capital availability and resource flexibility","volume":"3","author":"*Adomako S.","year":"2014","unstructured":"*Adomako, S., & Danso, A. (2014). Financial literacy and firm performance: The moderating role of financial capital availability and resource flexibility. International Journal of Management and Organizational Studies, 3(4), 1\u201315. https:\/\/citeseerx.ist.psu.edu\/viewdoc\/download?doi=10.1.1.1078.4218&rep=rep1&type=pdf","journal-title":"International Journal of Management and Organizational Studies"},{"key":"e_1_3_3_6_1","doi-asserted-by":"publisher","DOI":"10.1080\/13691066.2015.1079952"},{"key":"e_1_3_3_7_1","doi-asserted-by":"publisher","DOI":"10.4018\/IJABE.2020070102"},{"key":"e_1_3_3_8_1","doi-asserted-by":"publisher","DOI":"10.1186\/s40497-019-0191-1"},{"key":"e_1_3_3_9_1","doi-asserted-by":"publisher","DOI":"10.1080\/23322039.2018.1463813"},{"key":"e_1_3_3_10_1","doi-asserted-by":"publisher","DOI":"10.1002\/pop4.254"},{"key":"e_1_3_3_11_1","doi-asserted-by":"publisher","DOI":"10.1016\/0749-5978(91)90020-T"},{"key":"e_1_3_3_12_1","doi-asserted-by":"publisher","DOI":"10.19030\/jabr.v34i2.10138"},{"key":"e_1_3_3_13_1","doi-asserted-by":"publisher","DOI":"10.5296\/jpag.v8i3.13539"},{"key":"e_1_3_3_14_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1474747211000461"},{"key":"e_1_3_3_15_1","doi-asserted-by":"publisher","DOI":"10.17512\/pjms.2019.20.2.05"},{"key":"e_1_3_3_16_1","volume-title":"Entrepreneurs on their financial literacy: Evidence from the Netherlands","author":"Alperovych Y.","year":"2020","unstructured":"Alperovych, Y., Calcagno, R., & Lentz, M. (2020). Entrepreneurs on their financial literacy: Evidence from the Netherlands. WP 203\/20. Center for Research on Pensions and Welfare Policies."},{"key":"e_1_3_3_17_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.socec.2012.06.002"},{"key":"e_1_3_3_18_1","doi-asserted-by":"publisher","DOI":"10.1002\/bsd2.103"},{"issue":"2","key":"e_1_3_3_19_1","first-page":"285","article-title":"Stockholding and financial literacy in the French population","volume":"4","author":"Arrondel L.","year":"2012","unstructured":"Arrondel, L., Debbich, M., & Savignac, F. (2012). Stockholding and financial literacy in the French population. International Journal of Social Sciences and Humanity Studies, 4(2), 285\u2013294. https:\/\/dergipark.org.tr\/en\/download\/article-file\/257289","journal-title":"International Journal of Social Sciences and Humanity Studies"},{"key":"e_1_3_3_20_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1474747211000539"},{"key":"e_1_3_3_21_1","doi-asserted-by":"publisher","DOI":"10.17512\/pjms.2019.19.1.02"},{"key":"e_1_3_3_22_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.joep.2020.102306"},{"key":"e_1_3_3_23_1","doi-asserted-by":"publisher","DOI":"10.1177\/014920639101700108"},{"key":"e_1_3_3_24_1","doi-asserted-by":"publisher","DOI":"10.1287\/orsc.7.5.469"},{"key":"e_1_3_3_25_1","doi-asserted-by":"publisher","DOI":"10.1177\/014920630102700602"},{"key":"e_1_3_3_26_1","volume-title":"Financial literacy among Canadian entrepreneurs and business owners","author":"BDC","year":"2017","unstructured":"BDC. (2017). Financial literacy among Canadian entrepreneurs and business owners. University of Ottawa."},{"key":"e_1_3_3_27_1","doi-asserted-by":"publisher","DOI":"10.3846\/tede.2018.1968"},{"key":"e_1_3_3_28_1","doi-asserted-by":"publisher","DOI":"10.1111\/jsbm.12347"},{"issue":"1","key":"e_1_3_3_29_1","first-page":"697","article-title":"Influence of financial literacy and educational skills on entrepreneurial intent: Empirical evidence from young entrepreneurs of Pakistan","volume":"8","author":"*Bilal M. A.","year":"2021","unstructured":"*Bilal, M. A., Khan, H. H., Irfan, M., Ul Haq, S. M., Nabeel, Ali, M., Kakar, A., & Rauf, A. (2021). Influence of financial literacy and educational skills on entrepreneurial intent: Empirical evidence from young entrepreneurs of Pakistan. Journal of Asian Finance Economics and Business, 8(1), 697\u2013710. https:\/\/www.researchgate.net\/publication\/348233039","journal-title":"Journal of Asian Finance Economics and Business"},{"key":"e_1_3_3_30_1","doi-asserted-by":"publisher","DOI":"10.1108\/RIBS-04-2017-0037"},{"key":"e_1_3_3_31_1","doi-asserted-by":"publisher","DOI":"10.1080\/19439342.2013.780090"},{"issue":"5","key":"e_1_3_3_32_1","first-page":"1","article-title":"The influence of financial literacy on SMEs performance through access to finance and financial risk attitude as mediation variables","volume":"24","author":"*Buchdadi A. D.","year":"2020","unstructured":"*Buchdadi, A. D., Sholeha, A., Ahmad, G. N., & Mukson. (2020). The influence of financial literacy on SMEs performance through access to finance and financial risk attitude as mediation variables. Academy of Accounting and Financial Studies Journal, 24(5), 1\u201316. https:\/\/www.abacademies.org\/articles\/the-influence-of-financial-literacy-on-smes-performance-through-access-to-finance-and-financial-risk-attitude-as-mediation-variabl-9624.html","journal-title":"Academy of Accounting and Financial Studies Journal"},{"key":"e_1_3_3_33_1","doi-asserted-by":"publisher","DOI":"10.1111\/joca.12121"},{"key":"e_1_3_3_34_1","doi-asserted-by":"publisher","DOI":"10.3390\/su13095070"},{"key":"e_1_3_3_35_1","unstructured":"Calvino F. Criscuolo C. & Menon C. (2015). Cross-country evidence on start-up dynamics. OECD science technology and industry working papers. OECD Publishing: Par\u00eds 2015\/June"},{"key":"e_1_3_3_36_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-6261.2006.00883.x"},{"key":"e_1_3_3_37_1","doi-asserted-by":"publisher","DOI":"10.1080\/08985620500067548"},{"issue":"3","key":"e_1_3_3_38_1","first-page":"289","article-title":"Gender differences in personal financial literacy among college students","volume":"11","author":"Chen H.","year":"2002","unstructured":"Chen, H., & Volpe, R. (2002). Gender differences in personal financial literacy among college students. Financial Services Review, 11(3), 289\u2013307. https:\/\/www.semanticscholar.org\/paper\/Gender-Differences-in-Personal-Financial-Literacy-Chen-Volpe\/e61889201313bf6909b688e52095a97ebf67b5c5","journal-title":"Financial Services Review"},{"key":"e_1_3_3_39_1","doi-asserted-by":"publisher","DOI":"10.1108\/JADEE-06-2018-0083"},{"key":"e_1_3_3_40_1","doi-asserted-by":"publisher","DOI":"10.1002\/smj.3215"},{"key":"e_1_3_3_41_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.euroecorev.2009.04.001"},{"issue":"1","key":"e_1_3_3_42_1","first-page":"397","article-title":"The use of non-cash transactions among batik SMEs: An empirical review from Indonesia","volume":"20","author":"*Citradika D. P.","year":"2019","unstructured":"*Citradika, D. P., Atahau, A. D. R., & Satrio, D. (2019). The use of non-cash transactions among batik SMEs: An empirical review from Indonesia. International Journal of Business and Society, 20(1), 397\u2013416. http:\/\/www.ijbs.unimas.my\/images\/repository\/pdf\/Vol20-no1-paper25.pdf","journal-title":"International Journal of Business and Society"},{"key":"e_1_3_3_43_1","doi-asserted-by":"publisher","DOI":"10.1002\/smj.4250150910"},{"key":"e_1_3_3_44_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEEE-07-2020-0273"},{"key":"e_1_3_3_45_1","doi-asserted-by":"publisher","DOI":"10.1111\/joca.12198"},{"key":"e_1_3_3_46_1","doi-asserted-by":"publisher","DOI":"10.5038\/1936-4660.7.1.3"},{"key":"e_1_3_3_47_1","doi-asserted-by":"publisher","DOI":"10.5465\/amr.2007.23463682"},{"key":"e_1_3_3_48_1","doi-asserted-by":"publisher","DOI":"10.1126\/science.1121629"},{"key":"e_1_3_3_49_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEEE-09-2021-461"},{"key":"e_1_3_3_50_1","doi-asserted-by":"publisher","DOI":"10.34069\/AI\/2020.29.05.48"},{"key":"e_1_3_3_51_1","doi-asserted-by":"publisher","DOI":"10.1002\/1097-0266(200010\/11)21:10\/11<1105::AID-SMJ133>3.0.CO;2-E"},{"key":"e_1_3_3_52_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1470-6431.2012.01104.x"},{"key":"e_1_3_3_53_1","doi-asserted-by":"publisher","DOI":"10.1177\/0266242617717159"},{"key":"e_1_3_3_54_1","doi-asserted-by":"publisher","DOI":"10.1177\/0972150917692063"},{"key":"e_1_3_3_55_1","volume-title":"User guide to the SME definition","author":"European Commission","year":"2015","unstructured":"European Commission. (2015). User guide to the SME definition. Publications Office of the European Union."},{"key":"e_1_3_3_56_1","doi-asserted-by":"publisher","DOI":"10.1177\/1745691612460685"},{"key":"e_1_3_3_57_1","doi-asserted-by":"publisher","DOI":"10.37394\/23207.2021.18.9"},{"key":"e_1_3_3_58_1","doi-asserted-by":"publisher","DOI":"10.1080\/08963568.2015.982446"},{"key":"e_1_3_3_59_1","doi-asserted-by":"publisher","DOI":"10.1300\/J051v16n01_05"},{"key":"e_1_3_3_60_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2011.01221.x"},{"key":"e_1_3_3_61_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2005.00009.x"},{"key":"e_1_3_3_62_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.mar.2012.04.001"},{"key":"e_1_3_3_63_1","doi-asserted-by":"publisher","DOI":"10.1257\/089533005775196732"},{"key":"e_1_3_3_64_1","doi-asserted-by":"publisher","DOI":"10.1111\/jsbm.12448"},{"key":"e_1_3_3_65_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-010-9309-0"},{"key":"e_1_3_3_66_1","doi-asserted-by":"publisher","DOI":"10.1146\/annurev-psych-120709-145346"},{"key":"e_1_3_3_67_1","doi-asserted-by":"publisher","DOI":"10.1080\/02102412.2017.1346914"},{"key":"e_1_3_3_68_1","doi-asserted-by":"publisher","DOI":"10.1080\/00014788.2021.1986365"},{"issue":"3","key":"e_1_3_3_69_1","first-page":"1","article-title":"The curious case of Filipino micro-entrepreneurs\u2019 financial sophistication and the triple bottom line","volume":"28","author":"*Guliman S. D. O.","year":"2019","unstructured":"*Guliman, S. D. O., & Uy, A. O. O. (2019). The curious case of Filipino micro-entrepreneurs\u2019 financial sophistication and the triple bottom line. DLSU Business and Economics Review, 28(3), 1\u201310. https:\/\/www.researchgate.net\/publication\/333201751","journal-title":"DLSU Business and Economics Review"},{"key":"e_1_3_3_70_1","doi-asserted-by":"publisher","DOI":"10.1108\/11766091011050840"},{"key":"e_1_3_3_71_1","doi-asserted-by":"publisher","DOI":"10.1093\/rfs\/hhz076"},{"issue":"1","key":"e_1_3_3_72_1","first-page":"57","article-title":"An empirical investigation of personal financial risk tolerance","volume":"13","author":"Hallahan T.","year":"2004","unstructured":"Hallahan, T., Faff, R., & McKenzie, M. (2004). An empirical investigation of personal financial risk tolerance. Financial Services Review, 13(1), 57\u201378. https:\/\/citeseerx.ist.psu.edu\/viewdoc\/download?doi=10.1.1.392.58&rep=rep1&type=pdf","journal-title":"Financial Services Review"},{"key":"e_1_3_3_73_1","doi-asserted-by":"publisher","DOI":"10.9770\/jssi.2020.9.M(10"},{"issue":"2","key":"e_1_3_3_74_1","first-page":"35","article-title":"Financial resources, financial literacy and small firm growth: Does private organizations support matter?","volume":"30","author":"*Hossain M. M.","year":"2020","unstructured":"*Hossain, M. M. (2020). Financial resources, financial literacy and small firm growth: Does private organizations support matter? Journal of Small Business Strategy, 30(2), 35\u201358. https:\/\/libjournals.mtsu.edu\/index.php\/jsbs\/article\/view\/1187\/1168","journal-title":"Journal of Small Business Strategy"},{"key":"e_1_3_3_75_1","doi-asserted-by":"publisher","DOI":"10.1080\/08276331.2020.1793097"},{"key":"e_1_3_3_76_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2017.11.006"},{"key":"e_1_3_3_77_1","doi-asserted-by":"crossref","unstructured":"Hung A. Parker A. & Yoong J. (2009). Defining and measuring financial literacy. RAND Working Paper Series WR\u2013708.1\u201328.","DOI":"10.2139\/ssrn.1498674"},{"key":"e_1_3_3_78_1","doi-asserted-by":"publisher","DOI":"10.1108\/JSBED-01\u20132018-0021"},{"key":"e_1_3_3_79_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2010.01170.x"},{"key":"e_1_3_3_80_1","unstructured":"ICSB. (2019). ICSB annual global micro- small and medium-sized enterprises report. International Council for Small Business."},{"key":"e_1_3_3_81_1","doi-asserted-by":"publisher","DOI":"10.9770\/jesi.2017.5.1(5"},{"key":"e_1_3_3_82_1","doi-asserted-by":"publisher","DOI":"10.1504\/IJEED.2018.096069"},{"issue":"1","key":"e_1_3_3_83_1","first-page":"31","article-title":"Is the literacy of small business owners important for cash flow management? The experts\u2019 perspective","volume":"13","author":"*Isle M. B.","year":"2018","unstructured":"*Isle, M. B., Freudenberg, B., & Sarker, T. (2018). Is the literacy of small business owners important for cash flow management? The experts\u2019 perspective. Journal of the Australasian Tax Teachers Association, 13(1), 31\u201367. https:\/\/www.business.unsw.edu.au\/About-Site\/Schools-Site\/Taxation-Business-Law-Site\/jattavolumes\/JATTA13-1-2-Belle-Isle-Is-the-Literacy-of-SBOs-Important.pdf","journal-title":"Journal of the Australasian Tax Teachers Association"},{"issue":"179","key":"e_1_3_3_84_1","first-page":"3","article-title":"The impact of risk and financial knowledge, business culture and financial practice on SME performance","volume":"21","author":"*Ismanto H.","year":"2020","unstructured":"*Ismanto, H., Widiastuti, A., Muharam, H., & Pangestuti, I. R. D. (2020). The impact of risk and financial knowledge, business culture and financial practice on SME performance. Quality-Access to Success, 21(179), 3\u20139. https:\/\/www.proquest.com\/openview\/cf12cccd5497b416b407c2e43fea2854\/1?pq-origsite=gscholar&cbl=1046413","journal-title":"Quality-Access to Success"},{"key":"e_1_3_3_85_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2013.03.019"},{"key":"e_1_3_3_86_1","doi-asserted-by":"publisher","DOI":"10.1080\/08985626.10.520337"},{"issue":"2","key":"e_1_3_3_87_1","first-page":"343","article-title":"Effect of financial literacy on starting a new business: Using survival analysis to examine differences between older and younger entrepreneurs","volume":"52","author":"*Kabo F. W.","year":"2021","unstructured":"*Kabo, F. W. (2021). Effect of financial literacy on starting a new business: Using survival analysis to examine differences between older and younger entrepreneurs. Esic Market, 52(2), 343\u2013372. https:\/\/revistasinvestigacion.esic.edu\/esicmarket\/index.php\/esicm\/article\/download\/268\/551","journal-title":"Esic Market"},{"issue":"1","key":"e_1_3_3_88_1","first-page":"18","article-title":"New challenges to the rationality assumption","volume":"150","author":"Kahneman D.","year":"1994","unstructured":"Kahneman, D. (1994). New challenges to the rationality assumption. Journal of Institutional and Theoretical, 150(1), 18\u201336. https:\/\/www.jstor.org\/stable\/40753012","journal-title":"Journal of Institutional and Theoretical"},{"key":"e_1_3_3_89_1","doi-asserted-by":"publisher","DOI":"10.1037\/a0016755"},{"key":"e_1_3_3_90_1","first-page":"51","article-title":"Before you make that big decision","author":"Kahneman D.","year":"2011","unstructured":"Kahneman, D., Lovallo, D., & Sibony, O. (2011, June). Before you make that big decision. Harvard Business Review, 51\u201359. https:\/\/www.denkproducties.nl\/media\/daniel-kahneman-hbr-before-you-make-that-big-decision.pdf","journal-title":"Harvard Business Review"},{"key":"e_1_3_3_91_1","doi-asserted-by":"publisher","DOI":"10.1126\/science.185.4157.1124"},{"key":"e_1_3_3_92_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1474747211000503"},{"key":"e_1_3_3_93_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-012-9442-z"},{"key":"e_1_3_3_94_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-627X.2012.00380.x"},{"key":"e_1_3_3_95_1","doi-asserted-by":"publisher","DOI":"10.3390\/info11060297"},{"key":"e_1_3_3_96_1","doi-asserted-by":"publisher","DOI":"10.2308\/jmar-50915"},{"key":"e_1_3_3_97_1","doi-asserted-by":"publisher","DOI":"10.5465\/amr.2019.0247"},{"key":"e_1_3_3_98_1","volume-title":"In control of the company: Entrepreneurs on their financial literacy","author":"Lentz M.","year":"2016","unstructured":"Lentz, M., Smetsers, D., Vergeer, E., & Grotenhuis, M. (2016). In control of the company: Entrepreneurs on their financial literacy. Netherlands Chamber of Commerce."},{"key":"e_1_3_3_99_1","doi-asserted-by":"publisher","DOI":"10.1177\/0266242620959073"},{"key":"e_1_3_3_100_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jwb.2016.05.001"},{"key":"e_1_3_3_101_1","doi-asserted-by":"publisher","DOI":"10.5038\/1936-4660.5.1.2"},{"key":"e_1_3_3_102_1","doi-asserted-by":"publisher","DOI":"10.1086\/690950"},{"key":"e_1_3_3_103_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jmoneco.2006.12.001"},{"key":"e_1_3_3_104_1","doi-asserted-by":"publisher","DOI":"10.2145\/20070104"},{"key":"e_1_3_3_105_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1474747211000448"},{"key":"e_1_3_3_106_1","doi-asserted-by":"publisher","DOI":"10.1093\/acprof:oso\/9780199696819.003.0002"},{"key":"e_1_3_3_107_1","doi-asserted-by":"publisher","DOI":"10.1017\/S147474721100045X"},{"key":"e_1_3_3_108_1","doi-asserted-by":"publisher","DOI":"10.1257\/jel.52.1.5"},{"key":"e_1_3_3_109_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2010.01173.x"},{"key":"e_1_3_3_110_1","doi-asserted-by":"crossref","unstructured":"Lusardi A. Schneider D. & Tufano P. (2011). Financially fragile households: Evidence and implications. Brookings Papers on Economic Activity 83\u2013134.","DOI":"10.1353\/eca.2011.0002"},{"key":"e_1_3_3_111_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1474747215000232"},{"key":"e_1_3_3_112_1","doi-asserted-by":"publisher","DOI":"10.14569\/IJACSA.2018.090611"},{"key":"e_1_3_3_113_1","doi-asserted-by":"publisher","DOI":"10.14569\/IJACSA.2018.090905"},{"key":"e_1_3_3_114_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-005-4255-y"},{"key":"e_1_3_3_115_1","first-page":"257","volume-title":"Overcoming the saving slump: How to increase the effectiveness of financial education and saving programs","author":"Mandell L.","year":"2008","unstructured":"Mandell, L. (2008). Financial education in high school. In A. Lusardi (Ed.), Overcoming the saving slump: How to increase the effectiveness of financial education and saving programs (pp. 257\u2013279). University of Chicago Press."},{"key":"e_1_3_3_116_1","doi-asserted-by":"publisher","DOI":"10.1111\/corg.12355"},{"key":"e_1_3_3_117_1","doi-asserted-by":"publisher","DOI":"10.1371\/journal.pmed.1000097"},{"key":"e_1_3_3_118_1","doi-asserted-by":"publisher","DOI":"10.5038\/1936-4660.6.2.4"},{"key":"e_1_3_3_119_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEEE-01-2020-0020"},{"key":"e_1_3_3_120_1","doi-asserted-by":"publisher","DOI":"10.1080\/00472778.2019.1659685"},{"key":"e_1_3_3_121_1","doi-asserted-by":"publisher","DOI":"10.1108\/IJSE-03-2013-0075"},{"issue":"32","key":"e_1_3_3_122_1","first-page":"12","article-title":"Financial literacy and competitive advantage: SME strategy in reducing business risk","volume":"40","author":"*Nohong M.","year":"2019","unstructured":"*Nohong, M., Ali, M., Sohilauw, M., Sobarsyah, M., & Munir, A. (2019). Financial literacy and competitive advantage: SME strategy in reducing business risk. Espacios, 40(32), 12\u201317. https:\/\/www.revistaespacios.com\/a19v40n32\/a19v40n32p12.pdf","journal-title":"Espacios"},{"key":"e_1_3_3_123_1","doi-asserted-by":"publisher","DOI":"10.1787\/220101c9-en"},{"key":"e_1_3_3_124_1","doi-asserted-by":"publisher","DOI":"10.1787\/97746fba-en"},{"key":"e_1_3_3_125_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-019-00299-7"},{"key":"e_1_3_3_126_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.euroecorev.2009.08.002"},{"key":"e_1_3_3_127_1","doi-asserted-by":"publisher","DOI":"10.1108\/MF-04-2019-0175"},{"key":"e_1_3_3_128_1","first-page":"367","article-title":"The influence of financial literacy on financial attitudes of small and medium enterprises regarding eggplant flour","volume":"11","author":"*Pahlevi T.","year":"2020","unstructured":"*Pahlevi, T., Suratman, B., Wulandari, S. S., & Sudarwanto, T. (2020). The influence of financial literacy on financial attitudes of small and medium enterprises regarding eggplant flour. International Journal of Innovation, Creativity and Change, 11(6), 367\u2013380. https:\/\/www.ijicc.net\/images\/Vol11iss6\/11636_Pahlevi_2020_E_R.pdf","journal-title":"International Journal of Innovation, Creativity and Change"},{"key":"e_1_3_3_129_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.techsoc.2020.101519"},{"key":"e_1_3_3_130_1","doi-asserted-by":"publisher","DOI":"10.1108\/eb025476"},{"issue":"1","key":"e_1_3_3_131_1","first-page":"78","article-title":"The five competitive forces that shape strategy","volume":"86","author":"Porter M. E.","year":"2008","unstructured":"Porter, M. E. (2008). The five competitive forces that shape strategy. Harvard Business Review, 86(1), 78\u201395. https:\/\/www.hbs.edu\/faculty\/Pages\/item.aspx?num=34522","journal-title":"Harvard Business Review"},{"key":"e_1_3_3_132_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEEE-07-2020-0246"},{"key":"e_1_3_3_133_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEC-09-2018-0065"},{"key":"e_1_3_3_134_1","doi-asserted-by":"publisher","DOI":"10.1108\/JEEE-07-2020-0270"},{"key":"e_1_3_3_135_1","doi-asserted-by":"publisher","DOI":"10.33736\/ijbs.3333.2020"},{"key":"e_1_3_3_136_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1745-6606.2010.01169.x"},{"key":"e_1_3_3_137_1","doi-asserted-by":"publisher","DOI":"10.13106\/jafeb.2021.vol8.no2.0963"},{"key":"e_1_3_3_138_1","doi-asserted-by":"publisher","DOI":"10.1080\/00472778.2019.1709380"},{"key":"e_1_3_3_139_1","doi-asserted-by":"publisher","DOI":"10.1080\/00472778.2019.1695497"},{"key":"e_1_3_3_140_1","doi-asserted-by":"publisher","DOI":"10.4102\/sajems.v10i3.694"},{"key":"e_1_3_3_141_1","doi-asserted-by":"publisher","DOI":"10.2308\/accr.2007.82.1.265"},{"key":"e_1_3_3_142_1","doi-asserted-by":"publisher","DOI":"10.1108\/IJBM-10-2018-0281"},{"key":"e_1_3_3_143_1","doi-asserted-by":"publisher","DOI":"10.1111\/jsbm.12485"},{"key":"e_1_3_3_144_1","doi-asserted-by":"publisher","DOI":"10.1111\/ecoj.12217"},{"key":"e_1_3_3_145_1","doi-asserted-by":"publisher","DOI":"10.1002\/mde.3242"},{"key":"e_1_3_3_146_1","doi-asserted-by":"publisher","DOI":"10.1108\/jeee-03-2021-0123"},{"key":"e_1_3_3_147_1","doi-asserted-by":"publisher","DOI":"10.5465\/ame.1987.4275905"},{"key":"e_1_3_3_148_1","doi-asserted-by":"publisher","DOI":"10.1177\/10944281211008652"},{"key":"e_1_3_3_149_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-6261.2009.01518.x"},{"key":"e_1_3_3_150_1","doi-asserted-by":"publisher","DOI":"10.1002\/(SICI)1097-0266(199708)18:7<509::AID-SMJ882>3.0.CO;2-Z"},{"key":"e_1_3_3_151_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.pacfin.2020.101348"},{"key":"e_1_3_3_152_1","doi-asserted-by":"publisher","DOI":"10.1111\/1467-8551.00375"},{"key":"e_1_3_3_153_1","volume-title":"Accounting and finance literacy and self-employment: An exploratory study","author":"Trombetta M.","year":"2016","unstructured":"Trombetta, M. (2016). Accounting and finance literacy and self-employment: An exploratory study. IE Business School."},{"key":"e_1_3_3_154_1","doi-asserted-by":"publisher","DOI":"10.1177\/0972150919899753"},{"key":"e_1_3_3_155_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1468-0297.2012.02501.x"},{"key":"e_1_3_3_156_1","doi-asserted-by":"publisher","DOI":"10.1504\/ejim.2020.10027574"},{"key":"e_1_3_3_157_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.apmrv.2020.07.001"},{"key":"e_1_3_3_158_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-6520.2007.00164.x"},{"issue":"2","key":"e_1_3_3_159_1","first-page":"5236","article-title":"The effect of entrepreneurship motivation, entrepreneurship competency, and financial literation on MSMES in Kupang City","volume":"9","author":"*Wongso S. H.","year":"2020","unstructured":"*Wongso, S. H., Gana, F., & Kerihi, A. S. Y. (2020). The effect of entrepreneurship motivation, entrepreneurship competency, and financial literation on MSMES in Kupang City. International Journal of Scientific and Technology Research, 9(2), 5236\u20135241. http:\/\/www.ijstr.org\/final-print\/feb2020\/The-Effect-Of-Enterpreneurship-Motivation-Enterpreneurship-Competency-And-Financial-Literation-On-Msmes-In-Kupang-City.pdf","journal-title":"International Journal of Scientific and Technology Research"},{"key":"e_1_3_3_160_1","unstructured":"World Trade Report. (2016). Levelling the trading field for SMEs. World Trade Organization."},{"key":"e_1_3_3_161_1","doi-asserted-by":"publisher","DOI":"10.3390\/jrfm11030035"},{"key":"e_1_3_3_162_1","doi-asserted-by":"publisher","DOI":"10.3390\/su11102990"},{"key":"e_1_3_3_163_1","doi-asserted-by":"publisher","DOI":"10.3390\/su11020527"},{"key":"e_1_3_3_164_1","doi-asserted-by":"publisher","DOI":"10.1093\/acprof:oso\/9780199696819.003.0005"},{"key":"e_1_3_3_165_1","doi-asserted-by":"publisher","DOI":"10.5937\/ekoPolj1704687Z"}],"container-title":["Journal of Small Business Management"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.tandfonline.com\/doi\/pdf\/10.1080\/00472778.2022.2051176","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,2,6]],"date-time":"2026-02-06T11:28:14Z","timestamp":1770377294000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.tandfonline.com\/doi\/full\/10.1080\/00472778.2022.2051176"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,4,20]]},"references-count":163,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2024,1,2]]}},"alternative-id":["10.1080\/00472778.2022.2051176"],"URL":"https:\/\/doi.org\/10.1080\/00472778.2022.2051176","relation":{},"ISSN":["0047-2778","1540-627X"],"issn-type":[{"value":"0047-2778","type":"print"},{"value":"1540-627X","type":"electronic"}],"subject":[],"published":{"date-parts":[[2022,4,20]]},"assertion":[{"value":"The publishing and review policy for this title is described in its Aims & Scope.","order":1,"name":"peerreview_statement","label":"Peer Review Statement"},{"value":"http:\/\/www.tandfonline.com\/action\/journalInformation?show=aimsScope&journalCode=ujbm20","URL":"http:\/\/www.tandfonline.com\/action\/journalInformation?show=aimsScope&journalCode=ujbm20","order":2,"name":"aims_and_scope_url","label":"Aim & Scope"},{"value":"2022-04-20","order":3,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}