Mashizha, Margaret, and Mabutho Sibanda. “The Link Between Financial Knowledge, Financial Product Awareness and Utilization: A Study Among Small and Medium Enterprises in Zimbabwe”. International Journal of Economics and Financial Issues, vol. 7, no. 6, Dec. 2017, pp. 97-103, https://mail.econjournals.com/index.php/ijefi/article/view/5190.