Njoroge, Kenneth, Dr. John Muhoho, and Robert Abayo. “Financial Literacy Role in Enhancing Savings and Financial Performance Among SMEs: Evidence from Licensed Hardware Stores in Kasarani Sub-County”. African Multidisciplinary Journal of Research 2, no. 3 (December 31, 2025): 630–651. Accessed February 5, 2026. https://journals1.spu.ac.ke/index.php/amjr/article/view/498.