Azhar, Norananiza, Nurdiana Hassan, and Roseamilda Mansor. 2026. “FROM FINANCIAL KNOWLEDGE TO FINANCIAL ACTION: A SCOPING REVIEW OF FINANCIAL LITERACY AND FINANCIAL DECISION-MAKING AMONG SME OWNER-MANAGERS”. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES) 8 (29):1899-1919. https://doi.org/10.35631/AIJBES.829109.