O. R. Togun, Ranti Ogunrinade, Ola T Olalekan, and T. D. Jooda. “Financial Inclusion and SMEs’ Performance: Mediating Effect of Financial Literacy”. Journal of Business and Environmental Management 1, no. 1 (February 17, 2023): 23–33. Accessed July 8, 2025. https://journals.airsd.org/index.php/jbem/article/view/148.