Ali, Omar, and Mussa Makame. “THE Entrepreneurial Competence and Financial Literacy in Certified and Uncertified Zanzibar SMEs”. The Asian Journal of Professional & Business Studies 7, no. 1 (June 30, 2026): 179–201. Accessed September 22, 2026. https://journal.uptm.edu.my/index.php/ajpbs/article/view/525.