References
- Abbas, M., Faridi, M.Z., Rahman, S. (2020). Assessing the factors affecting growth of small firms in Pakistan. European Journal of Applied Business and Management, 6 (1), 77–89.
- Abdullah, N.N., Othman, M.B. (2019). Examining the effects of intellectual capital on the performance of Malaysian food and beverage small and medium-sized enterprises. Technology (IJCIET), 10 (2), 135–143.
- Adetiba, T.C., Qwabe, N.T. (2020). The wave of unemployment amongst South African youths: belonging to a political organisation as a way of escape? e-Bangi, 17 (5).
- Ahlstrom, D., Cumming, D.J., Vismara, S. (2018). New methods of entrepreneurial firm financing: Fintech, crowdfunding and corporate governance implications. DOI: https://doi.org/10.1111/corg.12258.10.1111/corg.12258
- Amin, S. (2018). Does the entrepreneurial human capital is important for organizational performance? Business and Economics Journal, 9 (2), 1–5.
- Balogun, O.A., Agumba, N.J., Ansary, N. (2018). Determinants of business overdraft accessibility within small and medium-sized enterprises in the South African construction industry: A case of Gauteng province. In: Proceedings of the 21st International Symposium on Advancement of Construction Management and Real Estate (pp. 617–628). Singapore: Springer.10.1007/978-981-10-6190-5_56
- Bartolacci, F., Caputo, A., Soverchia, M. (2020). Sustainability and monetary performance of small and medium sized enterprises: A bibliometric and systematic literature review. Business Strategy and the Environment, 29 (3), 1297–1309.10.1002/bse.2434
- Barua, R., Koh, B., Mitchell, O.S. (2018). Does monetary education enhance monetary preparedness? Evidence from a natural experiment in Singapore. Journal of Pension Economics & Finance, 17 (3), 254–277.10.1017/S1474747217000312
- Becker, G.S. (1962) Investment in human capital: A theoretical analysis. Journal of Political Economy, 70 (5), 9–49.10.1086/258724
- Bongomin, G.O.C., Munene, J.C., Ntayi, J.M., Malinga, C.A. (2018). Exploring the mediating role of social capital in the relationship between monetary intermediation and monetary inclusion in rural Uganda. International Journal of Social Economics, 45 (5), 829–847.10.1108/IJSE-08-2017-0357
- Bushe, B. (2019). The causes and impact of business failure among small to micro and medium enterprises in South Africa. Africa’s Public Service Delivery and Performance Review, 7 (1), 1–26.10.4102/apsdpr.v7i1.210
- Camfield, C.E.R., da Silva Freitas, G.M., Correia, M.R.F., Serrasqueiro, Z. (2018). The capital structure of small companies in Portugal: an approach according to trade-off and pecking-order theories. Race: magazine of administration, accounting and economics, 17 (1), 365–388.10.18593/race.v17i1.15434
- Changwesha, M. (2019). The relationship between monetary literacy and monetary access among SMEs in the Ekurhuleni Metropolitan Municipality, South Africa (Doctoral dissertation).
- Chaudhuri, K., Sasidharan, S., Raj, R.S.N. (2020). Gender, small firm ownership, and credit access: Some insights from India. Small Business Economics, 54 (4), 1165–1181.10.1007/s11187-018-0124-3
- Derbyshire, E., Fouché, J. (2018). Analysing the Needs of Small and Micro-Enterprise Owners: A South African Suburb Case Study. International Journal of Business and Management Studies, 10 (2).
- Effendi, M.B., Sunani, A. (2020). Analysis of Access to Monetary Services on Poverty Alleviation with MARS Approach. Journal of Economics, Business, & Accountancy Ventura, 23 (1), 125–137.10.14414/jebav.v23i1.2185
- Fatoki, O. (2018). The impact of entrepreneurial resilience on the success of small and medium enterprises in South Africa. Sustainability, 10 (7), 2527.10.3390/su10072527
- Fix, B. (2018). The trouble with human capital theory. Real-world economics review, 86 (1), 15–30.10.31235/osf.io/ax6k7
- Garg, N., Singh, S. (2018). Monetary literacy among youth. International Journal of Social Economics, 45 (1), 173–186.10.1108/IJSE-11-2016-0303
- Grohmann, A. (2018). Monetary literacy and monetary behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129–143.10.1016/j.pacfin.2018.01.007
- Grohmann, A., Klühs, T., Menkhoff, L. (2018). Does monetary literacy improve monetary inclusion? Cross country evidence. World Development, 111, 84–96.10.1016/j.worlddev.2018.06.020
- Gyimah, P., Appiah, K.O., Lussier, R.N. (2020). Success versus failure prediction model for small businesses in Ghana. Journal of African Business, 21 (2), 215–234.10.1080/15228916.2019.1625017
- Hoaglin, D.C. (2016). Misunderstandings about Q and ‘Cochran’s Q test’ in meta-analysis. Statistics in medicine, 35 (4), 485–495.10.1002/sim.6632
- Kamanga, T. (2018). The role of monetary literacy in monetary inclusion in emerging markets: evidence from South Africa (Master’s thesis, University of Cape Town).
- Khan, N.U., Li, S., Safdar, M.N., Khan, Z.U. (2019). The role of entrepreneurial strategy, network ties, human and monetary capital in new venture performance. Journal of Risk and Monetary Management, 12 (1), 41.10.3390/jrfm12010041
- Kitomo, D., Likwachala, R., Swai, C. (2021). Monetary Management Practices Among Micro Enterprises and their Implications for Loan Repayment: A Case of Solidarity Group Lending of DCB Commercial Bank in Dar es Salaam. International Journal of Economics and Finance, 12 (12), 122–122.10.5539/ijef.v12n12p122
- Kulathunga, K.M.M.C.B., Ye, J., Sharma, S., Weerathunga, P.R. (2020). How Does Technological and Monetary Literacy Influence SME Performance: Mediating Role of ERM Practices. Information, 11 (6), 297.10.3390/info11060297
- Kumar, J., Bansal, G. (2021). Impact of monetary literacy (FL) and access to banking services (AC) on monetary well-being (FWB): an empirical study. Jitender Kumar and Garima Bansal, Impact of Monetary Literacy (FL) and Access to Banking Services (AC) on Monetary Well-being (FWB): An Empirical Study, International Journal of Management, 11 (12), 2020.10.34218/IJM.11.12.2020.090
- Lajuni, N., Bujang, I., Karia, A.A., Yacob, Y. (2018). Religiosity, monetary knowledge, and monetary behavior influence on personal monetary distress among millennial generation. Jurnal Manajemen dan Kewirausahaan, 20 (2), 92–98.10.9744/jmk.20.2.92-98
- Leboea, S.T. (2017). The factors influencing SME failure in South Africa (Master’s thesis, University of Cape Town).
- Lusardi, A. (2019). Monetary literacy and the need for monetary education: evidence and implications. Swiss Journal of Economics and Statistics, 155 (1), 1–8.10.1186/s41937-019-0027-5
- Lyons, A., Kass-Hanna, J., Liu, F., Greenlee, A., Zeng, L. (2020). Building monetary resilience through monetary and digital literacy in South Asia and Sub-Saharan Africa. Available at SSRN 3496562.10.2139/ssrn.3496562
- Manzoor, F., Wei, L., Sahito, N. (2021). The role of SMEs in rural development: Access of SMEs to finance as a mediator. Plos one, 16 (3), e0247598.10.1371/journal.pone.0247598
- Marecha, T. (2020). Business planning and entrepreneurial education: key drivers for SME performance in South Africa’s Gauteng Province (Doctoral dissertation).
- Matias, F., Serrasqueiro, Z. (2017). Are there reliable determinant factors of capital structure decisions? Empirical study of SMEs in different regions of Portugal. Research in International Business and Finance, 40, 19–33.10.1016/j.ribaf.2016.09.014
- Maziriri, E.T., Chivandi, A. (2020). Modelling key predictors that stimulate the entrepreneurial performance of small and medium-sized enterprises (SMEs) and poverty reduction: Perspectives from SME managers in an emerging economy. Acta Commercii, 20 (1), 1–15.10.4102/ac.v20i1.773
- Méndez-Morales, A. (2019). Show me the money: Pecking order and funding sources for innovative firms in Colombia/Dejamever el dinero: ordenjerarquico y fuentes de par aempiesasinnovadorasen Colombia/Deixe-me ver o dinheiro: ordemhierarquica e fontes de financiamento para empresasinovadorasna Colombia. Revista Cuadernos de Administración, 32 (59), NA-NA.10.11144/Javeriana.cao32-59.stmpo
- Mincer, J. (1958). Progress in human capital analysis of the distribution of earnings. National Bureau of Economic Research. Cambridge, MA.
- Muo, I., Oladimeji, M.S., Okunbadejo, O.I. (2020). Monetary Bootstrapping and Small Business Growth in Lagos Metropolis, Nigeria. Izvestiya, 2, 198–213.
- Ndiaye, N., Razak, L.A., Nagayev, R., Ng, A. (2018). Demystifying small and medium enterprises’(SMEs) performance in emerging and developing economies. Borsa Istanbul Review, 18 (4), 269–281.10.1016/j.bir.2018.04.003
- Owusu, J., Ismail, M.B., Osman, M.H.B.M., Kuan, G. (2019). Monetary literacy as a moderator linking monetary resource availability and SME growth in Ghana. Innovations, 16 (1), 154–166.10.21511/imfi.16(1).2019.12
- Quartey, P., Turkson, E., Abor, J.Y., Iddrisu, A.M. (2017). Financing the growth of SMEs in Africa: What are the contraints to SME financing within ECOWAS? Review of development finance, 7 (1), 18–28.10.1016/j.rdf.2017.03.001
- Rambe, P., Mosweunyane, L. (2017). A poverty-reduction oriented perspective to small business development in South Africa: A human capabilities approach. African Journal of Science, Technology, Innovation and Development, 9 (3), 289–302.10.1080/20421338.2017.1322749
- Sabri, M.F., Aw, E.C.X. (2019). Monetary literacy and related outcomes: the role of monetary information sources. International journal of business and society, 20 (1), 286–298.
- Schultz, T.W. (1961). Investment in human capital. The American Economic Review, 51 (1), 1–17.
- Msomi, T., Olarewaju, O. (2021). Evaluation of access to finance, market and viability of small and medium-sized enterprises in South Africa. Problems and Perspectives in Management, 19 (1), 281–289. DOI: 10.21511/ppm.19(1).2021.24.10.21511/ppm.19(1).2021.24
- Udell, G.F. (2020). SME Access to Finance and the Global Monetary Crisis. Journal of Monetary Management, Markets and Institutions, 8 (01), 2040003.10.1142/S2282717X20400034
- Usama, K.M., Yusoff, W.F.W. (2018). The relationship between entrepreneurs’ monetary literacy and business performance among entrepreneurs of Bauchi State Nigeria. International Journal of Entrepreneurship and Business Innovation, 1 (1), 15–26.
- Van Deventer, M., De Klerk, N. (2017). Monetary Literacy Amongst African Generation Y Students: An Empirical Analysis of Selected Demographic Factors. International Journal of Economics and Finance Studies, 9 (1), 235–251.
- Yakubu, I.N., Sulemana, A.M., Abdallah, I. (2020). Small and Medium-Sized Enterprises Financing. Grading Journal for Social Sciences, 23 (2), 1–8.
- Ye, J., Kulathunga, K.M.M.C.B. (2019). How does monetary literacy promote sustainability in SMEs? A developing country perspective. Sustainability, 11 (10), 2990.10.3390/su11102990
- Zerihun, M.F., Makgoo, D.M. (2019). Assessment of Monetary Literacy on Monetary Management Outcomes: Evidence from the South Africa Employed Youth. Journal of Global Business & Technology, 15 (2).