Mpaata, Eva, Naomi Koskei, and Ernest Saina. 2020. “Financial Literacy and Saving Behavior Among Micro and Small Enterprise Owners in Kampala, Uganda: The Moderating Role of Social Influence”. Journal of Economics, Finance and Accounting Studies 2 (1):22-34. https://al-kindipublisher.com/index.php/jefas/article/view/10.