Nzibonera, Eric, et al. “Effectiveness of Financial Literacy and Financial Inclusion on Competitiveness of Small and Medium Sized Enterprises in Uganda: The Mediating Role of Financial Planning”. Journal of Economic, Finance Research and Review, vol. 2, no. 10, Oct. 2026, pp. 743-52, https://doi.org/10.65150/EP-jefrr/V2E10/2026-06.