Adamu, Idris Adamu, Musa Musa Muhammad, and Ahmad Aliyu Palladan. “The Moderating Role of Development Financial Institutions on the Association Between Digital Technology and the Financial Performance of SMEs”. Journal of Economic Education and Entrepreneurship Studies 6, no. 4 (December 25, 2025): 460–470. Accessed April 22, 2026. https://journal.feb-unm.com/index.php/JE3S/article/view/186.