@incollection{,
	
					
					
					C4814ECFADD31116625AF934001E2340
				,
	author={{Dr. James M.Gathungu} and {University of Nairobi}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1864151
}

@incollection{b0,
	
	
		,
	title={{Financial illiteracy in America a perfect storm a perfect opportunity}}
		,
	author={{
			WLAathes
		}}
	
	
		,
	journal={{Journal of Financial Services Professionals}}
		
			58
			6
			,
	year={2004}
		
	

}

@incollection{b1,
	
	
		,
	title={{Determinants of Microenterprise Performance in Nigeria}}
		,
	author={{
			BAdekunle
		}}
	
	
		,
	journal={{International Small Business Journal}}
		
			29
			,
	year={2011}
		
	

}

@incollection{b2,
	
	
		,
	title={{The Relative Contribution of Management Skills to Entrepreneur Success: A Survey of Small and Medium Enterprises (SMEs) in the Trade Sector}}
		,
	author={{
			KCAgbim
		}}
	
	
		,
	journal={{Journal of Business and Management}}
		
			7
			1
			,
	year={2013}
		
	

}

@incollection{b3,
	
	
		,
	title={{Is Entrepreneur Competency and Business Success Relationship Contigent upon Business Environment? A Study of Malaysian SMEs}}
		,
	author={{
			NHAhmad
		} and {
			TRamayah
		} and {
			CWilson
		} and {
			LKummerow
		}}
		
		
		
	
	
		,
	journal={{International Journal of Entrepreneur Behaviour & Research}}
		
			16
			3
			20
			,
	year={2010}
		
	

}

@book{b4,
	
	
		,
	title={{Assessing financial literacy in 12 countries: An OECD Pilot Exercise}}
		,
	author={{
			AAtkinson
		} and {
			FMessy
		}}
		
		
			,
	year={2005. 2011}
		
	
	,
	note={Discussion Paper 01/}

}

@book{b5,
	
	
		,
	title={{Understanding the incentives of commissions motivated agents: Theory and evidence from the Indian life insurance market}}
		,
	author={{
			SAnagol
		} and {
			SCole
		} and {
			SSarkar
		}}
		
		
		
			,
	year={2012}
			,
	address={Harvard Bus. School}
		
	

}

@incollection{b6,
	
	
		,
	title={{}}
	
	
		,
	journal={{Work. Pap}}
		
			
		
	

}

@incollection{b7,
	
	
		,
	title={{How important are financing constraints? The role of finance in the business environment}}
		,
	author={{
			MAyyagari
		} and {
			ADemirguc-Kunt
		} and {
			VMaksimovic
		}}
		
		
	
	
		,
	journal={{World Bank Economic Review}}
		
			22
			3
			
			,
	year={2008}
		
	

}

@incollection{b8,
	
	
		,
	title={{Financial literacy in microenterprises: The case of Cebu Fish vendors}}
		,
	author={{
			RBarte
		}}
	
	
		,
	journal={{Philippines Management Review}}
		
			9
			,
	year={2012. 2012}
		
	

}

@incollection{b9,
	
	
		,
	title={{Small and medium-size enterprises: Access to finance as a growth constraint}}
		,
	author={{
			TBeck
		} and {
			ADemirguc-Kunt
		}}
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			30
			11
			,
	year={2006}
		
	

}

@book{b10,
	
	
		,
	title={{Financial intelligence: manager's guide to knowing what the numbers really mean}}
		,
	author={{
			KBerman
		} and {
			JKnight
		}}
		
		
			,
	year={2006}
			,
	publisher={Harvard. Business School Press}
			,
	address={Boston, MA}
		
	

}

@incollection{b11,
	
	
		,
	title={{Financial management competence of founding teams and the growth of new technologybased firms}}
		,
	author={{
			JBrinckmann
		} and {
			SSalomo
		} and {
			HGemuenden
		}}
		
		
	
	
		,
	journal={{Entrepreneurship Theory and Practice}}
		
			35
			2
			
			,
	year={2011}
		
	

}

@incollection{b12,
	
	
		,
	title={{Towards a theory of entrepreneur competency}}
		,
	author={{
			BBird
		}}
	
	
		,
	journal={{Advances in Entrepreneurship, Firm Emergence and Growth}}
		
			2
			,
	year={1995}
		
	

}

@incollection{b13,
	
	
		,
	title={{What causes suboptimal financial behavior? An exploration of financial literacy, social influences and behavioral economics: A research report. Centre for Corporate Law and Securities regulation}}
		,
	author={{
			MBowen
		} and {
			MMorara
		} and {
			SMureithi
		}}
		
		
	
	
		,
	journal={{KCA Journal of Business Management}}
		,
	editor={14. Capuano, A. & Ramsay, I}
		
			2
			,
	year={2009. 2011}
		
		
			University of Melbourne
		
	
	,
	note={Management of Business Challenges among Small and Micro Enterprises in Nairobi-Kenya}

}

@book{b14,
	
	
		,
	title={{Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets? Harvard Business School Finance Working Paper Series}}
		,
	author={{
			SCole
		} and {
			SThomas
		} and {
			ZBilal
		}}
		
		
		
			,
	year={2008. October}
		
	

}

@incollection{b15,
	
	
		,
	title={{Financial Literacy and the Success of Small Businesses: An Observation form a Small Business Development Centre}}
		,
	author={{
			PearlDahmen
		} and {
			EileenRodriguez
		}}
		
	
	
		,
	journal={{Numeracy}}
		
			7
			,
	year={2014}
		
	
	,
	note={Iss.1, Article 3}

}

@book{b16,
	
	
		,
	title={{Defining and measuring entrepreneur success}}
		,
	author={{
			DDej
		} and {
			MLaguna
		}}
		
		,
	editor={Lukes, M.,}
		
			,
	year={2010}
			
		
	
	,
	note={Prague: Oeconomica}

}

@incollection{b17,
	
	
		,
	title={{Who are the entrepreneurs: Financial Literacy for Young Entrepreneurs}}
		,
	author={{
			SureshDemel
		} and {
			DavidMc Kenzie
		} and {
			& ChristopherWoodruff
		}}
		
		
	
	
		,
	booktitle={{World Bank Working Paper}}
				
			,
	year={2008}
			5642
		
	

}

@book{b18,
	
	
		,
	title={{The Other Path: The Invisible revolution in the Third World Translated by June Abbot}}
		,
	author={{
			DeSoto
		} and {
			H
		}}
		
		
			,
	year={1989}
			,
	publisher={Harper and Row}
			,
	address={New York}
		
	

}

@incollection{b19,
	
	
		,
	title={{Measuring Organizational Performance in the Absence of Objective Measures: The Case of the Privately Held Firm and Conglomerate Business Unit}}
		,
	author={{
			GGDess
		} and {
			RBRobinson
		}}
		
	
	
		,
	journal={{Strategic Management Journal}}
		
			5
			3
			
			,
	year={1984}
		
	

}

@incollection{b20,
	
	
		,
	title={{Keeping it simple: Financial literacy and rules of thumb}}
		,
	author={{
			ADrexler
		} and {
			GFischer
		} and {
			ASchoar
		}}
		
		
	
	
		,
	booktitle={{Economic Policy Research Discussion Paper}}
				
			,
	year={2010. 1994}
			1
		
	

}

@book{b21,
	
	
		,
	title={{The Micro and Small Enterprise Act No}}
		,
	author={{
			KenyaGovernment Of
		}}
		
			,
	year={2012. 2012}
			,
	address={Nairobi}
		
	
	,
	note={Government Printer}

}

@incollection{b22,
	
	
		,
	title={{Financial Inclusion and Financial Stability: Current Policy Issues}}
		,
	author={{
			AHanning
		} and {
			SJansen
		}}
		
	
	
		,
	journal={{ABDI Working Paper Series}}
		
			259
			,
	year={2010}
		
	

}

@book{b23,
	
	
		,
	title={{The impact of financial literacy and transaction costs on bank account uptake and use A Randomized Controlled Trial in Ethiopia}}
		,
	author={{
			E HHieltjes
		} and {
			EPetrova
		}}
		
		
			,
	year={2013}
			,
	address={Stockholm School of Economics}
		
	
	,
	note={Unpublished MSC. Thesis}

}

@incollection{b24,
	
	
		,
	title={{An analysis of transaction costs of obtaining credit in rural Iran}}
		,
	author={{
			SSHosseini
		} and {
			MKhaledi
		} and {
			MGhorbani
		} and {
			DGBrewin
		}}
		
		
		
	
	
		,
	journal={{Iranian Journal of Agricultural Science}}
		
			14
			,
	year={2012. 2012}
		
	

}

@book{b25,
	
	
		,
	title={{Measuring Financial Access through User's Surveys: Core Concepts, Questions and Indicators}}
		,
	author={{
			AKumar
		}}
		
			,
	year={2005. June}
			,
	address={Mimeo, World Bank, Washington DC}
		
	

}

@incollection{b26,
	
	
		,
	title={{Debt Literacy, Financial Experience and over in debtedness}}
		,
	author={{
			ALusardi
		} and {
			TufanoPeter
		}}
		
	
	
		,
	journal={{mimeo}}
		
			,
	year={2008}
			,
	publisher={Harvard Business School}
		
	

}

@incollection{b27,
	
	
		,
	title={{Financial literacy and stock market participation}}
		,
	author={{
			ALusardi
		} and {
			Alessie
		}}
		
	
	
		,
	journal={{Journal of Financial Economics}}
		
			101
			2
			
			,
	year={2011}
		
	

}

@book{b28,
	
	
		,
	title={{The Determinants of Transaction Costs and Access to Credit. International Labor Organization}}
		,
	author={{
			LMasuko
		} and {
			LMarufu
		}}
		
		
			,
	year={2003}
			,
	address={Paris}
		
	

}

@incollection{b29,
	
	
		,
	title={{Challenges facing uptake of equity financing by small and microenterprises in Kenya: A Case Study of Small Financial Services Enterprises in Nairobi County}}
		,
	author={{
			HMengich
		} and {
			FNdalira
		} and {
			FJuma
		}}
		
		
	
	
		,
	journal={{International Journal of Innovative Research & Development}}
		
			2
			,
	year={2013}
		
	
	,
	note={Issue 10}

}

@book{b30,
	
	
		,
	title={{}}
		,
	author={{
			TONyamboga
		} and {
			BONyamweya
		} and {
			FNjeru
		}}
		
		
		
			,
	year={2014}
		
	

}

@incollection{b31,
	
	
		,
	title={{An Assessment of the effect of financial literacy on loan repayment by small & medium enterprises in Ngara Nairobi County}}
	
	
		,
	journal={{Research Journal of Finance & Accounting}}
		
			5
		
	

}

@incollection{b32,
	
	
		,
	title={{Sustaining Small and Medium Enterprises through Financial Service Utilization: Does Financial Literacy Matter?}}
		,
	author={{
			FNunoo J & Andoh
		}}
	
	
		,
	booktitle={{Unpublished Paper) presented at the Agricultural & Applied Economics Association's 2012 AAEA Annual Meeting}}
				Seattle, Washington
		
			,
	year={2012}
		
	

}

@book{b33,
	
	
		,
	title={{Relationship between Financial literacy and entrepreneurial Success in Nairobi County}}
		,
	author={{
			RMNjoroge
		}}
		
			,
	year={2013}
			,
	address={Kenya}
		
		
			University of Nairobi
		
	
	,
	note={Unpublished MBA Thesis}

}

@incollection{b34,
	
	
		,
	title={{The Influence of Intellectual Capital on the Growth of Small and Medium Enterprises in Kenya}}
		,
	author={{
			JKNgugi
		} and {
			RWGakure
		} and {
			MWere
		} and {
			PKNgugi
		} and {
			CKibiru
		}}
		
		
		
		
	
	
		,
	journal={{Journal of Business Management and Corporate Affairs}}
		
			1
			1
			
		
	

}

@incollection{b35,
	
	
		,
	title={{The impact of business development services on entrepreneurial orientation and performance of small & medium enterprises in Kenya}}
		,
	author={{
			WOOkeyo
		} and {
			PGathungu's & K'obonyo
		}}
		
	
	
		,
	journal={{International Journal of Business and Social Research}}
		
			4
			7
			,
	year={2014}
		
	

}

@incollection{b36,
	
	
		,
	title={{Financial literacy and youth entrepreneurship in South Africa}}
		,
	author={{
			E KOseifuah
		}}
		Iss: 2
	
	
		,
	journal={{African Journal of Economic and Management Studies}}
		
			1
			,
	year={2010}
		
	

}

@incollection{b37,
	
	
		,
	title={{Financial Literacy Explicated: The Case for a clearer definition in an increasingly Complex Economy}}
		,
	author={{
			DRemund
		}}
	
	
		,
	journal={{Journal of Consumer Affairs}}
		
			44
			2
			,
	year={2010}
		
	

}

@book{b38,
	
	
		,
	title={{Access to financial services in emerging powers: Facts, Obstacles and policy implications: Background Paper for the Perspectives on Global development}}
		,
	author={{
			LRojas-Suarez
		} and {
			VGonzales
		}}
		
		
			,
	year={2010. 2010}
			,
	publisher={OECD Centre for Global Development}
			,
	address={Washington D.C}
		
	

}

@incollection{b39,
	
	
		,
	title={{The dynamic of entrepreneur success factors in influencing venture growth}}
		,
	author={{
			RoseR CKumar
		} and {
			NYen
		}}
		
	
	
		,
	journal={{Journal of Asia Entrepreneurship and sustainability}}
		
			,
	year={2006}
		
	
	,
	note={II. Issue 3}

}

@incollection{b40,
	
	
		,
	title={{The Impact of Financial Literacy on new Venture Survival}}
		,
	author={{
			WSean
		}}
	
	
		,
	journal={{International Journal of Business and Management}}
		
			8
			23
			,
	year={2013. 2013}
		
	

}

@incollection{b41,
	
	
		,
	title={{An assessment of the role of financial literacy on performance of small and microenterprises: A case of Equity Group Foundation Training Program on SMEs in Njoro District}}
		,
	author={{
			JSiekei
		} and {
			Wagoki
		} and {
			AKagio
		}}
		
		
	
	
		,
	journal={{Kenya. Journal of Economics and Finance}}
		
			1
			7
			,
	year={2013. September, 2013}
		
	

}

@incollection{b42,
	
	
		,
	title={{Financial Intermediaries and Economic Development: Evidence on Transaction Costs of Borrowing by the Poor}}
		,
	author={{
			VSwamy
		} and {
			BKTulasimala
		}}
		
	
	
		,
	journal={{International Journal of Banking and Finance}}
		
			8
			,
	year={2011}
		
	
	,
	note={Iss. 3, Article 3}

}

@incollection{b43,
	
	
		,
	title={{Strategies for managing knowledge assets: the role of firm structure and industrial context}}
		,
	author={{
			DJTeece
		}}
	
	
		,
	journal={{Long Range Planning}}
		
			33
			1
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	year={2000}
		
	

}

@book{b44,
	
	
		,
	author={{
			JTimmons
		} and {
			SSpinelli
		}}
		
		,
	title={{New venture strategies: Entrepreneurship for the 21 st century}}
				,
	editor={
			Irwin-Mcgraw-Hill
		}
		Burr Ridge, IL
		
			,
	year={2004}
		
	

}

@incollection{b45,
	
	
		,
	title={{Financial literacy and stock market participation}}
		,
	author={{
			MVan Rooj
		} and {
			ALusardi
		} and {
			RAlessie
		}}
		
		
	
	
		,
	journal={{Journal of Finance and Economics}}
		
			101
			2
			,
	year={2007. 2011}
		
	

}

@book{b46,
	
	
		,
	author={{
			DWiddowson
		} and {
			KHailwood
		}}
		
		,
	title={{Financial literacy and its role in promoting a sound financial system: Bulletin}}
				
			,
	year={2007}
			70
		
		
			Reserve Bank of New Zealand
		
	

}

@incollection{b47,
	
	
		,
	title={{Linking organizational culture, structure strategy and organizational effectiveness: Mediating role of knowledge management}}
		,
	author={{
			WZheng
		} and {
			BYang
		} and {
			GNMclean
		}}
		
		
	
	
		,
	journal={{Journal of Business Research}}
		
			7
			63
			,
	year={2010}
		
	

}