Ali O, Makame M. THE Entrepreneurial competence and financial literacy in certified and uncertified Zanzibar SMEs. As. Jor. of Pro & Bus Stud. [Internet]. 2026 Jun. 30 [cited 2026 Sep. 22];7(1):179-201. Available from: https://journal.uptm.edu.my/index.php/ajpbs/article/view/525