Researches have proven the contribution of entrepreneurship in poverty eradication, job opportunities, and economic growth (Ali & Yousuf, 2019; Anjum, et al., 2020; Ceresia & Mendola, 2019; Koloba, et al., 2016; Melhem & Al-Shaikh, 2018). These have been possible through idea generation, opportunities assessment and resource mobilization (Almeida & Amaral, 2019). Despite this, a score of entrepreneurs are unsuccessful in their endeavors (Sipek & Yusuf, 2018). According to Sangosanya, Saraih and Bakar (2019), entrepreneurial success is very low in the majority of Asian countries. There is always a question of why is few entrepreneurs are successful and many are not? (Chell, 2008). There are several factors responsible for entrepreneurial success (Oyeku, et al., 2020). The two factors according to Baran (2018) include personality characteristics of the entrepreneurs (abilities, intelligence, skills) and favorable environment (government, economy, and competition). Even though favorable conditions can increase the possibility of success, it’s important to note that this is not guaranteed (Fitzsimons & O’Gorman, 2017).
References
Abdissa, G., & Fitwi, T. (2016). Factors Affecting Performance of Micro and Small Enterprises in South West Ethiopia: The Case of Bench Maji, Sheka, and Kefa Zones. Global Journal of Management and Business Research: A Administration and Management, 16(10), 47–64. Retrieved from http://creativecommons.org/licenses/by-nc/3.0/)
Abdullahi, M. S., Abubakar, A., Aliyu, R. L., & Umar, M. B. (2015). Empirical Review On The Determinants Influencing Firm Performance In Developing Countries. International Journal of Scientific and Research Publications, 5(6), 1–10. Retrieved from www.ijsrp.org
Abiodun, A. (2014). SME firms performance in Nigeria : Competitive advantage and its impact, 3(2), 75–86.
Abiodun, A., & Entebang, H. (2015). SME Firm Performance-Financial Innovation and Challenges. Procedia – Social and Behavioral Sciences, 195(2015), 334–342. https://doi.org/10.1016/j.sbspro.2015.06.361
Afolabi, B., & Macheke, R. (2017). An Analysis of Entrepreneurial and Business Skills and Training Needs in SMEs in the Plastic Manufacturing Industry in the Eastern Cape Province , South Africa. International Review of Social Sciences and Humanities, 3(2), 236–247. Retrieved from ashenafib@finmark.org.za or Kingstonem@finmark.org.za
Agbim, K. C. (2013). The Relative Contribution of Management Skills to Entrepreneurial Success : A Survey of Small and Medium Enterprises ( SMEs ) in the Trade Sector. Journal of Business and Management (IOSR-JBM), 7(1), 8–16. Retrieved from www.iosrjournals.org
Agbozo, E., & Yeboah, Eric Omane. (2012). Exploring The Financial Gap For Small And Medium-Sized Enterprises ( Smes ) In Ghana : A Case Study Of Ghana By. School of Management Blekinge Institute of Technology EXPLORING.
Agwu, M. O., & Emeti, D. C. I. (2014). Issues , Challenges and Prospects of Small and Medium Scale Enterprises ( SMEs ) in Port-Harcourt. European Journal of Sustainable Development, 3(1), 101–114. https://doi.org/10.14207/ejsd.2014.v3n1p101
Agwu, O. (2014). Issues , Challengesand Prospectsof Small and Medium Scale Enterprises ( SMEs ) in Port-Harcourt City , 3(1), 101–114. https://doi.org/10.14207/ejsd.2014.v3n1p101
Aisha, A. N., & Hardjomidjojo, P. (2013). Effects of Working Ability , Working Condition , Motivation and Incentive on Employees Multi-Dimensional Performance. International Journal of Innovation, Management and Technology, 4(6), 605–609. https://doi.org/10.7763/IJIMT.2013.V4.470
Al-dhaafri, H. S., & Al-swidi, A. K. (2017). The Entrepreneurial Orientation and the Organizational Performance : Do Enterprise Resource Planning Systems Have a Mediating Role ? A Study on Dubai Police. Asian Social Science, 10(2), 257–272. https://doi.org/10.5539/ass.v10n2p257
Aldaba, rafaelita m. (2012). Small and Medium Enterprises â€TM ( SMEs ) Access to Finance : Philippines. Philippines. Retrieved from http://www.pids.gov.ph
Amaro, S., Seabra, C., & Abrantes, J. L. (2015). Comparing CB-SEM and PLS-SEM Results : An empirical example. In 2nd International Symposium on Partial Least Squares Path Modeling, Seville (Spain), 2015 (pp. 1–7).
Aminu, I. M., Noor, M., & Shariff, M. (2017). Influence of Strategic Orientation on SMEs Access to Finance in. Asian Social Science, 11(4), 298–309. https://doi.org/10.5539/ass.v11n4p298
Anderson, J. C., & Gerbing, D. W. (1988). Structural Equation Modeling in Practice : A Review and Recommended Two-Step Approach. Psychological Bulletin, 103(3), 411–423.
Andreev, P., Maoz, H., Heart, T., & Pliskin, N. (2009). Validating Formative Partial Least Squares ( PLS ) Models : Methodological Review and Empirical Illustration. In International Conference on Information Systems (ICIS) (pp. 1–17). Association for Information Systems AIS Electronic Library (AISeL). Retrieved from http://aisel.aisnet.org/icis
Ann, gathoni thuku. (2017). Factors Affecting Access To Credit By Small. United States International University – Africa Summer.
Auka, D. O., & Langat, J. C. (2016). Effects of Strategic Planning on Performance of Medium Sized Enterprises in Nakuru Town. International Review of Management and Business Research, 5(1), 188–203. Retrieved from www.irmbrjournal.com
Azevedo, S., Jo˜, & Ferreira, A. (2007). Entrepreneurial Orientation as a main Resource and Capability on Small Firm’s Growth. Munich Personal RePEc Archive Entrepreneurial, 10(5682), 1–20. Retrieved from http://mpra.ub.uni-muenchen.de/5682/ MPRA
Bakar, H. A., Mahmood, R., Nor, N., & Nik, H. (2015). Fostering Small and Medium Enterprises through Entrepreneurial Orientation and Strategic Improvisation. Mediterranean Journal of Social Sciences MCSER Publishing, Rome-Italy, 6(4), 481–487. https://doi.org/10.5901/mjss.2015.v6n4p481
Baldock, R. O., Whittham, G., Deakins, D., & North, D. (2008). SMEs â€TM Access to Finance : Is there still a debt finance gap ? Institute for Small Business & Entrepreneurship, (June 2014), 1–10. Retrieved from https://www.researchgate.net/publication/252393090%0ASMEs’
Baron, T., & Freiling, J. (2017). A Resource-based View of Entrepreneurial Ecosystems. Technologie, Strategie Und Organisation. https://doi.org/10.1007/978-3-658-16042-5
Bartlett, W., & Nevenka Ccukovi. (2007). Entrepreneurship and Competitiveness : The Europeanisation of Small and Medium-sized Enterprise Policy in Croatia. Southeast European and Black Sea Studies, 7(1), 37–56. https://doi.org/10.1080/14683850701189311
Benjamin, L., Rubin, J. S., & Zielenbach, S. (n.d.). Community Development Financial Institutions : Current Issues And Future Prospects, 26(2), 177–195.
Berger, A. N., & Udell, G. F. (2004). A More Complete Conceptual Framework for SME Finance. In Small and Medium Enterprises: Overcoming Growth Constraints (pp. 1–37).
british business bank. (2016). Small Business Finance Markets. england. Retrieved from www.british-business-bank.co.uk
Bureau, N., & Statistics, O. F. (2017). Labor Force Statistics Vol . 1 : Unemployment and Underemployment Report (Vol. 1). Nigeria. Retrieved from www.nigerianstat.gov.ng
Business-School hull university. (2015). Entrepreneurship Skills: literature and policy review. Retrieved from www.nationalarchives.gov.uk/doc/open-government-licence
CHAIRUNGRUANG, S. (2016). A secret ingredient for SMEs performance : Human resource management in cafés and restaurants in Auckland and Waikato , New Zealand A thesis Strategy and Human Resource Management The Uni. The University of Waikato. Retrieved from http://researchcommons.waikato.ac.nz/
Chidi, F., Chukwuma, D., & Chukwuemeka, G. (2017). The Role of Entrepreneurial Competencies in Promoting Entrepreneurship in Nigeria : A Study of Practicing Entrepreneurs in Anambra State , Nigeria. An International Multi-Disciplinary Journal, Ethiopia, 11(46), 262–282. Retrieved from http://dx.doi.org/10.4314/afrrev.v11i2.20
Chimucheka, T. (2013). The Impact of Entrepreneurship Education on the Establishment and Survival of Small , Micro and Medium Enterprises ( SMMEs ). Journal of Economics, 4(2), 157–168.
Chin, W. W. (1998). The Partial Least Squares Approach to Structural Equation Modeling. Advances in Hospitality and Leisure, (April), 295–336.
Chinomona, R. (2013). The fostering role of information technology on SMEs ’ strategic purchasing , logistics integration and business performance. Southern African Business Review, 17(1), 76–97.
cynthia nanzushi. (2015). The Effect Of Workplace Environment On Employee Performance In The Mobile Telecommunication Firms In Nairobi City County.
Danjuma, D. (2017). Impact of Microfinance Services on Performance of Small and Medium Scale Enterprises (SMEs) In Zaria Metropolis. International Journal of Scientific Research in Social Sciences & Management Studies | IJSRSSMS, 2(1), 49–65.
Davis, B. A. E., Desplaces, D. E., Falbe, C. M., Welsh, D. H. B., & A, C. M. (2012). A Resource-Based View Of Three Forms Of Business In The Startup Phase: Implications For Franchising Dianne. Journal of Small Business Strategy, 22(1), 47–65. Retrieved from http://libjournals.mtsu.edu/index.php/jsbs/index
Day, S. W., & Jean-denis, H. (2016). Resource Based View of Social Entrepreneurship : Putting the Pieces Together. Journal of Strategic Innovation and Sustainability, 11(2), 59–69.
Djoumessi, M. E. C. K., & Akinboade, P. O. A. (2011). Regulation , SME Performance and Growth in Cameroon â€TM s manufacturing and retail sectors By. Retrieved from www.trustafrica.org/icbe
Duh, M. (2010). Applying Agency Theory And The Resource-Based View In Explaining Performance Differences Between Family And Non-Family Businesses Uporaba, 45–52.
Dut, V. Van. (2015). SMEs â€TM PERFORMANCE : EMPIRICAL EVIDENCE FROM. Asian Academy of Management Journa, 20(1), 101–122.
Ebitu, E. T. (2016). Marketing Strategies And The Performance Of Small And. British Journal of Marketing Studies, 4(5), 51–62. Retrieved from www.aijcrnet.com
Egbuna, C. K. (2013). Effect of Planning on the Performance of Small and Medium Enterprises in. Asian Journal of Business Management, 5(3), 326–331.
Emmanuel, Y. (2017). Influence of entrepreneurship education , technology and globalisation on performance of SMEs in Nigeria. African Journal of Business Management, 11(15), 367–374. https://doi.org/10.5897/AJBM2017.8345
Eniola, A. A. (2017). The role of sme firm performance in nigeria, 3(12), 33–47.
Esther, A. A. (2017). External Business Environment And Entrepreneurial Performance Of Small And Medium Enterprises (Smes) In Lagos State, Nigeria Adeeko.
Eton, M., Mwosi, F., Mutesigensi, D., & Ebong, C. D. (2017). Credit Financing and Performance of SMEs in Lira Municipality ,. Research Journal of Finance and Accounting, 8(8), 121–127. Retrieved from www.iiste.org
EU, E. U. (2017). Monitoring Europe SMEs ’ performance in Europe-Methodological assessment of the SME Scoreboard. https://doi.org/10.2760/18615
Ezeagba, C. (2017). Financial Reporting in Small and Medium Enterprises ( SMEs ) in Nigeria . Challenges and Options Challenges and Options. International Journal of Academic Research in Accounting, Finance and Management Sciences, 7(1), 1–10. https://doi.org/10.6007/IJARAFMS/v7-i1/2534
Fanta, ashenafi beyene, Mutsonziwa, K., Berkowitz, B., Maposa, O., Motsomi, A., & Khumalo, J. (2017). Small business performance : Does access to. In Does access to finance matter? Evidence (pp. 1–35). Retrieved from ashenafib@finmark.org.za or Kingstonem@finmark.org.za
Forkuoh, S. K., Li, Y., Affum-osei, E., & Quaye, I. (2015). Informal Financial Services , a Panacea for SMEs Financing ? A Case Study of SMEs in the Ashanti Region of Ghana. American Journal of Industrial and Business Management, 5(December), 779–793. Retrieved from http://www.scirp.org/journal/ajibm http://dx.doi.org/10.4236/ajibm.2015.512075%0AInformal
Gad, F., & Wahome, A. (2015). Factors Affecting the Performance of Small and Medium Scale Poultry Farming Enterprises in Karuri , Kenya. Research Journal of Finance and Accounting, 6(19), 119–130.
Haenlein, M., & Kaplan, A. M. (2004). A Beginner ’ s Guide to Partial Least Squares Analysis A Beginner ’ s Guide to Partial Least Squares Analysis. Lawrence Erlbaum Associates, Inc., 3(4), 283–297. https://doi.org/10.1207/s15328031us0304
Hair, J., Black, W. c., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis (Seventh). pearson prentice hall.
Harash, E. (2017). Accounting Performance of SMEs and Effect of. Global Journal of Management and Business Research: D Accounting and Auditing Volume, 17(3), 21–26. Retrieved from http://creativecommons.org/licenses/by-nc/3.0/
Harvie, C., Narjoko, D., & Oum, S. (2013). Small and Medium Enterprises ’ Access to Finance : Evidence from Selected Asian Economies.
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. J. of the Acad.Mark. Sci., 43, 115–135. https://doi.org/10.1007/s11747-014-0403-8
Herzallah, F., & Mukhtar, M. (2016). The Impact of Percieved Usefulness , Ease of Use and Trust on Managers ’ Acceptance of e-Commerce Services in Small and Medium-Sized Enterprises ( SMEs ) in Palestine. International Journal on Advance Science Engineering Information Technology, 6(6), 922–929.
Hosseini, F., Lashgaara, F., & Hosseini, S. J. F. (2014). The Role of ICT in Entrepreneurship Development from Experts View of Agriculture Organization of Tehran. Bulletin of Environment, Pharmacology and Life Sciences, 4(December), 152–156.
Hsua, C.-C., Tana, K. C., Laosirihongthongb, T., & Leonga, G. K. (2011). Entrepreneurial SCM competence and performance of manufacturing SMEs. International Journal of Production Research, 49(22), 6629–6649. Retrieved from http://dx.doi.org/10.1080/00207543.2010.537384
Hubona, G., Henseler, J., & Ray, P. (2016). Using PLS path modeling in new technology research : updated guidelines. Industrial Management & Data Systems ·, 116(1), 2–20. https://doi.org/10.1108/IMDS-09-2015-0382
Humphrey, W. (2015). Strategic Planning Practices And Growth Of Small And Medium Enterprises ( Smes ) Within The Micro Finance Sector In Nairobi County , Kenya By Humphrey Wafula Waliang ’ I A Research Project Submitted In Partial Fulfilment Of The Requirements Of The Award O.
hwingwiri, admore. (2013). Midlands State University Faculty Of Commercedepartment Of Financing Constraint On Smes ’ Success In The Manufacturing Sector. Midlands State University.
Ibrahim, M. A. (2015). Mediating Role Of Access To Finance And Moderating Role Of Business Environment On The Relationship Between Strategic Orientation Attributes And Performance Of Small And Medium Enterprises In Nigeria Degree Of Doctor Of Philosophy Universiti Utara Malaysi. Universiti Utara Malaysia.
Ibrahim, M. A., & Shariff, M. N. M. (2016). Mediating Role Of Access To Finance On The Relationship Between Strategic Orientation Attributes And Smes Performance In Nigeria. International Journal of Business and Society, 17(3), 473–496.
Ibrahim, N. A., & Lucky, E. O. (2014). Relationship between Entrepreneurial Orientation , Entrepreneurial Skills , Environmental Factor and Entrepreneurial Intention among Nigerian Students in UUM. Entrepreneurship and Innovation Management Journal, 4(November), 203–213. Retrieved from http://absronline.org/journals%0ARelationship
Ibrahim, N. A., Mahmood, R., & Bakar, M. S. (2018). Strategic improvisation and HEIs performance : the moderating role of organizational culture. PSU Research Review: An International Journal. Published by Emerald Publishing Limited. https://doi.org/10.1108/PRR-01-2017-0009
Ibrahim, N. A., & Mas’ud, A. (2016). Moderating role of entrepreneurial orientation on the relationship between entrepreneurial skills, environmental factors and entrepreneurial intention: A PLS approach. Management Science Letters, 6, 225–236. https://doi.org/10.5267/j.msl.2016.1.005
Idowu, O. O., Olusola, A. M., & Olawale, A. H. (2017). EFFECT OF ENTREPRENEURS ’ CHARACTER ON SMEs. Journal of Management and Science, 7(3), 17–26.
Ikupolati1, Ph.D., A. ., Adeyeye, Ph.D., M. ., Oni, Ph.D., E. O., … Ph.D. (2017). Entrepreneurs ’ Managerial Skills as Determinants for Growth of Small and Medium Enterprises ( SMEs ) in Nigeria. Journal of Small Business and Entrepreneurship Development, 5(1), 1–6. https://doi.org/10.15640/jsbed.v5n1a1
Isern, J., Mantilla, J., Agbakoba, A., Flaming, M., Tarazi, M., & Pellegrini, G. (2017). Access to Finance in Nigeria : nigeria.
Janeska-iliev, A. (2015). Factors Affecting Growth Of Small Business : The Case Of A Developing Country Having Experienced. European Scientific Journal, 11(28), 1–28.
Jibrilla, aliyu alhaji. (2013). Impact of Government Interventions on Small Scale Entreprises in Mubi North Local Government Area , Adamawa State , Nigeria. Journal of Economics and Sustainable Development, 4(17), 121–129. Retrieved from www.iiste.org
Kebede, M., & Simesh, G. (2015). The Impact of Environmental Factors on the Performance of Micro & Small-Scale Enterprises in. International Journal of Science and Research (IJSR), 6(3), 1619–1629.
Kellermanns, F., Walter, J., Crook, T. R., & Kemmerer, B. (2016). The Resource-Based View in Entrepreneurship : A Content-Analytical Comparison of Researchers ’ and Entrepreneurs ’ Views. Journal of Small Business Management 2016, 54(1), 26–48. https://doi.org/10.1111/jsbm.12126
Ketley, R., Lightfoot, N., Jakubec, M., & Little, M. (2012). Review of government interventions that promote access to credit for Micro, Small and Medium Enterprises (MSMEs) in Nigeri. Retrieved from www.genesis-analytics.com
Khalique, M., Bontis, N., & Rohana, N. (2018). Intellectual capital and organisational performance in Malaysian knowledge-intensive SMEs Intellectual capital and organisational performance in Malaysian knowledge-intensive SMEs Muhammad Khalique * Nick Bontis Jamal Abdul Nassir bin Shaari Mohd Rafi Yaa. International Journal of Learning and Intellectual Capital, 15(1), 20–36. https://doi.org/10.1504/IJLIC.2018.088345
Kibet, K. D., Achesa, K., & Gedion, D. O. (2015). EFFECTS OF MICROFINANCE CREDIT ON THE PERFORMANCE OF SMALL. International Journal of Small Business and Entrepreneurship Research, 3(7), 57–78. Retrieved from www.eajournals.org
Kira, alex reubon, & He, Z. (2012). The Impact of Firm Characteristics in Access of Financing by Small and Medium-sized Enterprises in Tanzania. International Journal of Business and Management, 7(24), 108–119. https://doi.org/10.5539/ijbm.v7n24p108
Kofar-mata, bala ado, & Aliyu, mukhtar shehu. (2017). The Relationship Between Some Determinants Of SME Performance In Nigeria : A Qualitative Approach. European Journal of Business and Management, 6(2), 107–114. Retrieved from www.iiste.org
Koska, A., Yesil, S., & Buyukbese, T. (2013). Knowledge Sharing Process , Innovation Capability and Innovation Performance : An Empirical Study. Procedia – Social and Behavioral Sciences, 75, 217–225. https://doi.org/10.1016/j.sbspro.2013.04.025
Kozubíková, L., Belás, J., Bilan, Y., & Bartoš, P. (2015). Personal Characteristics Of Entrepreneurs In The Context Of Perception And Management Of Busi- Ness Risk In The Sme Segment. Economics and Sociology, 8(1), 41–54. https://doi.org/10.14254/2071-
Kraja, Y. B., Osmani, E., & Molla, F. (2017). The Role of the Government Policy for Support the SME-s. Academic Journal of Interdisciplinary Studies MCSER Publishing, Rome-Italy, 3(2), 391–396. https://doi.org/10.5901/ajis.2014.v3n2p391
Kuntchev, V., Ramalho, R., Rodríguez-meza, J., & Yang, J. S. (2012). What have we learned from the Enterprise Surveys regarding access to finance by SMEs ?, 1–33.
Kwaning, C. O., Nyantakyi, K., & Kyereh, B. (2015). The Challenges Behind Smes’ Access To Debts Financing In The Ghanaian Financial Mark. International Journal of Small Business and Entrepreneurship Research, 3(2), 16–30. Retrieved from www.eajournals.org
Li, X., Troutt, M. D., Brandyberry, A., & Wang, T. (2011). Journal of the Association for Information Decision Factors for the Adoption and Continued Use of Online Direct Sales Channels among SMEs * Decision Factors for the Adoption and Continued Use of Online Direct Sales Channels among SMEs. Journal of the Association for Information Systems, 12(1), 1–31.
Lightfoot, N., Ketley, R., Jakubec, M., & Little, M. (2012). Review of government interventions that promote access to credit for Micro, Small and Medium Enterprises (MSMEs) in Nigeria. Nigeria. Retrieved from www.genesis-analytics.com
Lo, M. C., Wang, Y. C., Rinen, C., & Wah, J. (2016). The critical success factors for organizational performance of Smes In Malaysia : A Partial Least Squares Approach. Revista Brasileira De Gestão De Negócios Review Of Business Management, 18(61), 370–391. https://doi.org/10.7819/rbgn.v18i61.3058
Machirori, T., & Fatoki, O. (2017). The Impact of Networking on Access to Debt Finance and Performance of Small and Medium Enterprises in South Africa. J Economics, 4(2), 97–104.
Mahadalle1, A., & Kaplan, D. B. (2017). Entrepreneurial Characteristics And Competencies As Determinants Of Corporate Performance : A Study On Small Enterprises In Mogadishu , Somalia. International Journal of Research, 5(5), 243–254. Retrieved from https://doi.org/10.5281/zenodo.583915
Mahmood, R., & Herath H. M. A. (2014). Dimensions of Entrepreneurial Self-Efficacy Performance. Global Journal of Management and Business Research: A Administration and Management, 14(4), 23–30.
Majama, N. S., Israel, T., & Magang, T. (2017). Strategic Planning in Small and Medium Enterprises ( SMEs ): A Case Study of Botswana SMEs. Journal of Management and Strategy, 8(1), 74–103. https://doi.org/10.5430/jms.v8n1p74
Manaye, M. K., & Tigro, M. G. (2017). Accessing Finance ( Case of Wolaita. Global Journal of Management and Business Research: C Finance, 17(7), 65–73.
Matamanda, S. H., & Chidoko, C. (2017). Accessing formal financing by Small and Medium Enterprises in Zimbabwe : The case of SMEs and banks in Chiredzi Urban . Center for Promoting Education and Research (CPER) USA, 3(4), 34–42. Retrieved from www.cpernet.org%0AAccessing
Mazanai, M., & Fatoki, O. (2012). Access to Finance in the SME Sector : A South African Perspective. Asian Journal of Business Management, 4(1), 58–67.
meshack, onyango o. l. (2014). Effect Of Entrepreneurship Skills On The Performance Of Small And Medium Enterprises In Kahama, Tanzania: A Case Of Pride Supported Entrepreneurs. Open University Of Tanzania.
Mohammed, U. D., & Obeleagu-nzelibe, C. G. (2014). Entrepreneurial Skills and Profitability of Small and Medium Enterprises ( Smes ): Resource Acquisition Strategies for New Ventures in Nigeria. In Proceedings of 25th International Business Research Conference 13 – 14 January, 2014, Taj Hotel, Cape Town, South Africa (pp. 1–21).
Msoka Elizabeth M. (2013). Do Entrepreneurship Skills Have an Influence on the Performance of Women Owned Enterprises in Africa ? Case of Micro and Small Enterprises in Dar es Salaam , Tanzania Institute of Development Studies. European Journal of Business and Management, 3(3), 53–62.
Muchiri, D. K., Shukla, J., & Kibachia, J. (2017). Effects Of Choice Of Credit Facilities On Financial Performance Of Small Medium, Enterprises In Rwanda. A Case Smes Registered With Private Sector Federation Of Rwanda. European Journal of Business and Social Sciences, 6(6), 97–111.
MULATU, F. (2014). Networking And Business Performance Of Medium Sized Enterprises In Addis Ababa.
Mungiru, J. W., & Njeru, D. A. (2015). Effects of Informal Finance on the Performance of Small and Medium Enterprises in Kiambu County. International Journal of Scientific and Research Publications, 5(11), 338–362. Retrieved from www.ijsrp.org
mustapha, yanti aspha ameira. (2016). Stimulating Malaysian Sme Performance: The Synergistic Role Of Entrepreneurial Capital, Entrepreneurial Competencies And Institutional Support Yanti.
Nabergoj, A. S., & Lin, J. (2014). A Resource-Based View Of Entrepreneurial Creativity And Its Implications To Entrepreneurship Education. Economic And Business Review, 16(2), 163–183.
Naser, K., Fayez, F., & AL-Mutairi, A. (2017). Asian Economic and Financial Review Factors Determine Small Businesses ( Sbs ) Success In Keyword s. Asian Economic and Financial Review, 7(9), 929–942. https://doi.org/10.18488/journal.Aefr.2017.79.929.942
National Policy On Msmes. (2015). National Policy On Msmes Federal Republic Of Nigeria Draft National Policy On Micro , Small And Medium Enterprises National Policy On Msmes.
Ndege, P. M. (2015). Factors that affect the growth and development of small, micro and medium-sized business enterprises in the vaal triangle region of gauteng province in south africa. European Journal of Business, Economics and Accountancy, 3(3), 73–100. Retrieved from Progressive Academic Publishing, UK Page 100 www.idpublications.org
Ndesaulwa, A. P., & Kikula, J. (2016). The Impact of Innovation on Performance of Small and Medium Enterprises ( SMEs ) in Tanzania : A Review of Empirical Evidence. Journal of Business and Management Sciences, 4(1), 1–6. https://doi.org/10.12691/jbms-4-1-1
Ndungu, D. N. (2017). Factors Affecting the Successful Growth and Survival of Smalland Micro Enterprises (SMEs) in Zimmerman Ward, Nairobi County – Kenya. Global Journal of Management and Business Research: A Administration and Management, 17(1), 107–116. Retrieved from http://creativecommons.org/licenses/by-nc/3.0/)
Nega, F., & Edris Hussein. (2016). Small and Medium Enterprise Access to Finance in Ethiopia : Synthesis of Demand and Supply (No. 01/16). Addis Ababa, Ethiopia Published. Retrieved from www.hespi.org
Nimako, S. G., Kwesi, F. B., & Owusu, E. K. (2014). The impact of PLS-SEM training on faculty staff intention to use PLS software in a public university in Ghana. International Journal of Business and Economics Research, 3(2), 42–49. https://doi.org/10.11648/j.ijber.20140302.11
Nkpaah, mohammad sadat. (2015). THE EFFECT OF BUSINESS PLANS ON BUSINESS PERFORMANCE A CASE OF SELECTED SMES IN GHANA.
Nura, N. M., & Mahmood, R. (2016). moderating role of competitive advantage on relationship between enterpreneurial orientation and performance of small and meadium enterprises. International Business Management, 10(12), 2444–2452.
Octavia1, A., & Ali, H. (2017). The Model of Market Orientation , Entrepreneurial Orientation and Business Performance of Small and Medium Enterprises. International Review of Management and Marketing, 7(3), 331–337. Retrieved from www.econjournals.com International
Oduntan, K. O. (2014). The Role of Small and Medium Enterprises in Economic Development : The Nigerian Experience. In International Conference on Arts, Economics and Management (ICAEM’14) March 22-23, 2014 Dubai (UAE) (pp. 75–78). Dubai (UAE). Retrieved from http://dx.doi.org/10.15242/ICEHM.ED0314038
OECD. (2015). New Approaches to SME and Entrepreneurship Financing : Broadening the Range of Instruments.
OECD. (2018). Strengthening SMEs and entrepreneurship for productivity and inclusive growth. In SME Ministerial Conference 22-23 February 2018 Mexico City (pp. 1–24). Mexico.
Ogechukwu, A. D., Jacob.S Oboreh, Dr. Umukoro. F, & Uche, A. V. (2013). Small and Medium Scale Enterprises (SMES) in Nigeria the Marketing Interface. Global Journal of Management and Business Research Marketing, 13(9), 1–12. Retrieved from http://creativecommons.org/licenses/by-nc/3.0/)
Omitogun, O., & Longe, A. E. (2017). Unemployment and Economic Growth in Nigeria in the 21 st Century : VAR Approach. ACTA UNIVERSITATIS DANUBIUS, 13(5), 155–168.
Onyiego, george oyugi, Namusonge, prof. g. s., & waiganjo, Phd, dr esther. (2017). The effect of access to finance on financial performance of smes in mombasa county kenya george oyugi onyiego, prof.g. s. namusonge, dr esther waiganjo phd. The Strategic Journal of Business & Change Management., 4(3), 335–346. Retrieved from www.strategicjournals.com
opoku, maryann. (2016). THE EFFECT OF STRATEGIC PLANNING ON SMEs PERFORMANCE: A CASE STUDY OF SELECTED SMEs IN KUMASI.
Osano, H. M., & Languitone, H. (2016). Factors influencing access to finance by SMEs in Mozambique : case of SMEs in Maputo central business district. Journal of Innovation and Entrepreneurship, 5(13), 1–16. https://doi.org/10.1186/s13731-016-0041-0
Oteng, P. A., Emmanuel, O., & ackah. (2016). BUSINESS ADVISORY SERVICE AND SMALL AND MEDIUM ENTERPRISE FIRM PERFORMANCE. International Journal of Economics, Commerce and Management, IV(5), 498–506. Retrieved from http://ijecm.co.uk/%0AISSN 2348 0386%0ABUSINESS
Owolabi, oluwarotimi ayokunnu, & Nasiru, A. (2017). Deposit money bank credit to small and medium enterprises , socio-economic performance and economic growth in. International Journal of Development and Sustainability, 6(10), 1400–1417. Retrieved from www.isdsnet.com/ijds
Pletnev, D., & Barkhatov, V. (2016). Business Success of Small and Medium Sized Enterprises in Russia and Social Responsibility of Managers. Procedia – Social and Behavioral Sciences, 221(2016), 185–193. https://doi.org/10.1016/j.sbspro.2016.05.105
Pollack, J., & Adler, D. (2016). ScienceDirect Skills that improve pro fi tability : The relationship between project management , IT skills , and small to medium enterprise pro fi tability. International Journal of Project Management, 34(5), 831–838. https://doi.org/10.1016/j.ijproman.2016.03.004
PRIJADI, R., & DESIANA, P. M. (2017). IJEM Factors Affecting the Profitability and Growth of Small & Medium Enterprises ( SMEs ) in Indonesia. International Journal of Economics and Management, 11(2017), 35–44. Retrieved from http://www.econ.upm.edu.my/ijem
R.S.Nehete, Narkhede, B. e., & Mahajan, S. k. (2011). Investigation of Entrepreneurial Skills for Better Performance of Manufacturing SMEs. International Journal of Engineering Science and Technology (IJEST), 3(October), 5515–5525. Retrieved from https://www.researchgate.net/publication/228517096%0AInvestigation
Raguž, I. V., Čolović, Z. K., & Beran, I. M. (2015). THE ANALYSIS OF BUSINESS PERFORMANCE IN SMALL AND MEDIUM HOSPITALITY ENTERPRISES. ZBORNIK SVEUČILIŠTA U DUBROVNIKU The, 85–98.
Ramlee, S., & Berma, B. (2013). F INANCING G AP IN M ALAYSIAN S MALL – MEDIUM E NTERPRISES : SME funding gap : conceptual framework. SAJEMS Special Issue, 16(16), 115–126.
REGASA, D., FIELDING, D., & ROBERTS, H. (2017). University of Otago Access to Financing and Firm Growth : Evidence from Ethiopia Access to Financing and Firm Growth : Evidence from Ethiopia. University of Otago Economics Discussion Papers, 2293(1707), 1–29.
Ringle, C. M., Sarstedt, M., & Straub, D. W. (2012). A Critical Look at the Use of PLS-SEM in MIS Quarterly. EDITOR’S COMMENTS, 36(1). Retrieved from http://ssrn.com/abstract=2176426
Ringle, C. M., & Sinkovics, R. R. (2009). THE USE OF PARTIAL LEAST SQUARES PATH MODELING IN INTERNATIONAL MARKETING. Advances in International Marketing, Volume, 20, 277–319. https://doi.org/10.1108/S1474-7979(2009)0000020014
Robleh, M. H. (2017). Factors Influencing the Performance of Small. Global Journal of Management and Business Research: A Administration and Management, 17(5), 15–35.
Roman, A., & Rusu, V. D. (2015). Access to Finance of SMEs in CEE Countries and Supportive Measures. J O Ur Nal of Acco Unting a Nd Ma Na Geme Nt, 5(3), 37–48.
Roper, S., Peng, B. G., & Gkypal, A. (2017). Exporting , ambition , finance and SME performance : Exploratory analysis of the Longitudinal Small Business Survey 2015 and 2016 Business Survey 2015 and 2016. Enterprise Research Center. UK. Retrieved from www.enterpriseresearch.ac.uk
Saffu, K., Catharines, Ontario, C., & Manu, T. (n.d.). STRATEGIC CAPABILITIES OF GHANAIAN FEMALE BUSINESS OWNERS AND THE PERFORMANCE OF, 1–17.
Saleem, Q. (n.d.). Overcoming Constraints to SME Development in MENA Countries and Enhancing Access to Finance Overcoming Constraints to SME Development in MENA Countries and Enhancing Access to Finance.
Salimi, M. (2015). Leveraging Entrepreneurship Training and the Impact on SMEs Performance , A Case of Lombardy Region ( Italy ) and the State of Berlin ( Germany ) Candidate : Meysam Salimi Scient.
Scuotto, V. (2017). The effect of social networking sites and absorptive capacity on SMES ’ innovation performance. The Journal of Technology Transfer, 42(2), 409–424. https://doi.org/10.1007/s10961-016-9517-0
Sekaran, U. (2003). RESEARCH METHODS FOR BUSINESS-A Skill-Building Approach. (J. Marshall, Ed.) (Fourth Edi). Sout her n I lli n ois U ni v er st iy at C ar bo n dale: John Wiley & Sons, Inc.
Shehu, A. M., & Mahmood, R. (2014a). An Empirical Analysis of Market Orientation and Business Performance Relationship in the Context of Developing Economy. International Journal of Academic Research in Business and Social Sciences, 4(9), 457–470. https://doi.org/10.6007/IJARBSS/v4-i9/
Shehu, A. M., & Mahmood, R. (2014b). Market Orientation and Firm Performance among Nigerian SMEs : The Moderating Role of Business Environment. Mediterranean Journal of Social Sciences MCSER Publishing, Rome-Italy, 5(23), 158–164. https://doi.org/10.5901/mjss.2014.v5n23p158
sitharam, sharmilee. (2014). FACTORS AFFECTING THE PERFORMANCE OF SMALL AND MEDIUM. UNIVERSITY OF KWAZULU-NATAL FACTORS.
Sitharam, S., & Hoque, M. (2016). “ Factors affecting the performance of small and medium enterprises in Factors affecting the performance of small and medium enterprises in KwaZulu-Natal , South Africa. “Problems and Perspectives in Management,” 14(2), 277–288. https://doi.org/10.21511/ppm.14(2-2).2016.03
SMEDAN, small scale enterpries developmentv agency of nigeria and nationa bureau of statistics collaborative survey. (2013). SMEDAN AND NATIONAL BUREAU OF STATISTICS COLLABORATIVE SURVEY : SELECTED FINDINGS. nigeria.
Soares, A. da C., Rohman, M., & Solimun. (2014). Effect of Entrepreneurial orientation on business performance moderated by Government Policy ( Study On SMEs In Timor Leste ). International Journal of Business and Management Invention, 3(8), 64–71. Retrieved from www.ijbmi.org
south africa SMEs observatory. (2017). Review of the efficiency and effectiveness of past and ongoing SME development initiatives in the Free State province. South Africa. Retrieved from www.ilo.org/publns
Sudaryo, Y., & Purnamasari, D. (2017). Strategy Development Micro Small And Medium Business Performance In Small And Medium Enterprises ( Smes ) Cibaduyut Shoe Bandung. INTERNATIONAL JOURNAL OF SCIENTIFIC & TECHNOLOGY RESEARCH, 6(3), 102–105. Retrieved from www.ijstr.org%0A103
Taiwo, J. ., falohun, temitope, O., & Edwin, agwu m. (2016). Smes financing and its effects on nigerian economic growth. European Journal of Business, Economics and Accountancy, 4(4), 37–54. Retrieved from www.idpublications.org
Tambwe, M. A. (2015). THE IMPACT OF ENTREPRENEURSHIP TRAINING ON MICRO AND SMALL ENTERPRISES’ (MSES) PERFORMANCE IN TANZANIA: THE CASE OF FOOD VENDORS IN ILALA DISTRICT DAR ES SALAAM Mariam. Business Education Journal, 1(1), 1–18. Retrieved from http://www.cbe.ac.tz/bej
Tarutė, A., & Gatautis, R. (2013). ICT impact on SMEs performance. Procedia – Social and Behavioral Sciences, 110(110), 1218–1225. https://doi.org/10.1016/j.sbspro.2013.12.968
Tehseen, S., & Ramayah, T. (2015). Entrepreneurial Competencies and SMEs Business Success : The Contingent Role of External Integration. Mediterranean Journal of Social Sciences MCSER Publishing, Rome-Italy, 6(1), 50–61. https://doi.org/10.5901/mjss.2015.v6n1p50
Tham, J., Marn, K., Hin, C. W., & Bohari, A. M. (2016). Antecedents of Strategic Planning of Small and Medium-sized Enterprises in Malaysia : The Influence of Ownership Motivations and Environmental Uncertainty. International Review of Management and Marketing, 6(s7), 270–276. Retrieved from www.econjournals.com
Uchegbulam, P., Akinyele, S., & Lbidunni, A. (2015). Competitive Strategy and Performance of Selected SMEs in Nigeria. In International Conference on African Development Issues (ClJ-ICA DI) 2015: Social and Economic Models for Development Track Competitive (pp. 326–333).
UNITED NATIONS. (2001). UNITED NATIONS CONFERENCE ON TRADE AND DEVELOPMENT IMPROVING THE COMPETITIVENESS OF SMEs IN DEVELOPING COUNTRIES The Role of Finance To Enhance Enterprise Development. In The Role of Finance To Enhance Enterprise Development (pp. 1–158). new york/geneva.
vixathep, S. (2014). Entrepreneurship , Government Policy and Performance of SMEs in Laos (pp. 1–21).
waked, bandar. (2016). Access to Finance by Saudi SMEs : Constraints and the Impact on their Performance.
White, prof. margret, Maru, prof. loice, & Boit, rose j. (2015). Financial Resource as Drivers of Performance in. Global Journal of HUMAN-SOCIAL SCIENCE: E Economics, 15(4), 5–15. Retrieved from http://creativecommons.org/licenses/by-nc/3.0/)
World bank, financial sector deeping(FSD kenya), Kenya, C. B. of. (2015). FinAccess Business – Supply Bank Financing of SMEs in Kenya. kenya. Retrieved from info@fsdkenya.org • www.fsdkenya.org FSD
World Bank, G. office african center for economic transformatio (ACET). (2017). Access to Finance for SMEs The ACET Way. Ghana.
Zarook, T., Rahman, M. M., & Khanam, R. (2013). Does the Financial Performance Matter in Accessing to Finance for Libya ’ s SMEs ? International Journal of Economics and Finance; Vol. 5, No. 6; 2013 ISSN, 5(6), 11–19. https://doi.org/10.5539/ijef.v5n6p11
Zarook, T., Rahman, M. M., & Khanam, R. (2017). Management Skills and Accessing to Finance : Evidence from Libya ’ s SMEs. International Journal of Business and Social Science, 4(7), 106–115.
