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 …

Managerial competencies and performance appraisal practices are often ignored when considering the performance of Small … performance appraisal practices correlate with SMEs' performance in South Africa. Firm performance was measured using two … competencies were not. The study also found that managerial competencies, and not performance appraisal practices, significantly …