NJOKI, N. Effect of credit management and budgeting Financial Literacy on Performance SMEs in Nyeri County. Journal of Economics, Management Sciences & Procurement, [S. l.], v. 2, n. 1, p. 63–74, 2022. Disponível em: https://jemspro.org/index.php/pages/article/view/18. Acesso em: 16 apr. 2025.