performance of MSMEs. This research includes the type of associative research that is accompanied by hypothesis testing. This … significantly affect access to formal credit and MSME performance; formal credit access directly and significantly affects MSME … performance. Likewise, financial literacy and credit terms indirectly affect the performance of MSMEs. These results mean that …

impacts. The role of the owner-manager in advancing the performance of their small business cannot be underestimated. The … current study tests the influence of an owner-manager's big five personality traits on the performance of their small … owner-managers have a significant positive impact on the performance of their small enterprises. However, a high level of …