آقازاده، هاشم و اسفیدانی، محمدرحیم (1387). کاربرد فناوری اطلاعات (IT) در مزیت رقابتی پایدار، مطالعه موردی شرکت‌های تولیدی برتر ایران. پژوهشنامه بازرگانی، 46، 117-89.
پناهی، بلال؛ فتحی، محمدرضا؛ مهدیه نجف آبادی، علی و رضی محب سراج، سمیه (1401). بررسی الگوی ارتباطی بین رفتارهای گذشته و سواد مالی با قصد سرمایه گذاری در بازار سهام با نقش میانجی متغیرهای فردی، مجله توسعه و سرمایه، 7(2)، 173-189.
جلیلوند، ابوالحسن و رستمی نوروزآبادف مجتبی (1397). تعاملات سواد مالی، احساسات سرمایه‌گذاران، ادراک ریسک و تمایل به سرمایه‌گذاری: شواهدی از بورس اوراق بهادار تهران. دانش سرمایه‌گذاری، 7(27)، 170-141.
رحمانی نوروزآباد، سامان و محمدی، اسفندیار (1398). پیامدهای سواد مالی بر تصمیمات سرمایه‌گذاران و عملکرد سرمایه‌گذاری. دانش مالی تحلیل اوراق بهادار، 12(41)، 123-113.
عطاران، جواد (1390). مروری بر دیدگاه منبع‌محور (RBV) در مزیت رقابتی. تدبیر، ۲۲(۲۳۲)، 28-24.
فتح اله، مهدی و نجفی، مهدی. (1395). توسعه ی الگوی مدیریت مالی زنجیره تامین و تامین مالی زنجیره ای. پژوهش های مهندسی صنایع در سیستم‌های تولید. 4(9)،257-269.
محمدی، اسفندیار، سیامکی، ادریس و آزادی، محمد (1395). بررسی تأثیر سواد مالی مدیران بر عملکرد سازمانی با نقش تعدیل‌گری یادگیری سازمانی مورد مطالعه (بانک‌های خصوصی شهر ایلام). هفتمین کنفرانس بین‌المللی حسابداری و مدیریت و چهارمین کنفرانس کارآفرینی و نوآوری‌های باز.
مرادی، محمد و سپهوندی، سعیده (1394). تأثیر استراتژی‌های رقابتی بر پایداری عملکرد مالی و ریسک. پژوهش‌های حسابداری مالی، 7(3)، 90-75.
معین‌الدین، محمود، ابوسعیدی، مینا و حیرانی، فروغ (1400). شناسایی مؤلفه‌های مؤثر در شکل‌گیری سواد مالی مدیران شرکت‌ها با استفاده از رویکرد پدیدارشناسی. دانش سرمایه‌گذاری، 10(37)، 272-255.
ملازاده، محمد، لاری دشت بیاض، محمود و ساعی، محمدجواد (1395). تأثیر دانش مالی مدیر عامل بر روی مدیریت سود. پژوهش‌های حسابداری مالی و حسابرسی، 8(30)، 60-37.
References
Adomako, S., & Danso, A. (2014). Financial literacy and firm performance: the moderating role of financial capital availability and resource flexibility. International Journal of Management& Organizational Studies, 3(4), 1-15.
Adomako, S., Danso, A., & Damoah, J.O. (2015). The moderating influence of financial literacy on the relationship between access to finance and firm growth in Ghana. Venture capital: An International Journal of Entrepreneurial Finance, 18(1), 1-19.
Aghazadeh, H., & Esfidani, M.R. (2007). The use of information technology (IT) in sustainable competitive advantage, a case study of Iran's top manufacturing companies. Business Journal, 46, 117-89 [In Persian].
Agyapong, D., & Attram, A. (2019). Effect of owner-manager’s financial literacy on the performance of SMEs in the cape coast metropolis in Ghana. Journal of Global Entrepreneurship Research, 9(67), 1-13.
Akhtar, S., & Liu, Y. (2018). SME managers and financial literacy; Does financial literacy really matter? Journal of Public Administration and Governance, 8(3), 353-373.
Alvarez, S.A., & Busenitz, L.W. (2001). The entrepreneurship of resource-based theory. Journal of Management, 27(6), 755-775.
Anwar, M. (2018). Business model innovation and SMEs performance- does competitive advantage mediate? International Journal of Innovation Management, 22(7), 1-31.
Anwar, M., Shuangjie, L., & Ullah, R. (2020). Business experience or financial literacy? Which one is better for opportunity recognition and superior performance? Business Strategy and Development, 3(3), 377-387.
Arena, M., Arnaboldi, M., & Azzone, G. (2010). The organizational dynamics of enterprise risk management. Accounting, Organizations and Society, 35(7), 659-675.
Arinda, C. (2019). Financial literacy and financial performance of small and medium sized enterprises in Uganda. Kyambogo University, Uganda.
Armstrong, M. (2006). Performance management: Key strategies and practical guidelines. United Kingdom: Kogan Page.
Atherton, A. (2012). Cases of start-up financing: An analysis of new venture capitalisation structures and patterns. International Journal of Entrepreneurial Behaviour & Research, 18(1), 28-47.
Attaran, J. (2011). A review of resource-based view (RBV) in competitive advantage. Tadbir, 22(232), 24-28 [In Persian].
Barney, J.B. (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99-120.
Beck, T., Demirgüç-Kunt, A.b, & Maksimovic, V. (2006). The influence of financial and legal institutions on firm size. Journal of Banking and Finance, 30(11), 2995-3015.
Berry, A., Rodriguez, E., & Sandee, H. (2001). Small and medium enterprise dynamics in Indonesia. Bulletin of Indonesian Economic Studies, 37(3), 363-384.
Bogodistov, Y., & Wohlgemuth, V. (2017). Enterprise risk management: A capability-based perspective. The Journal of Risk Finance, 18(3), 234-251.
Booth, L., Aivazian, V., Demirguc-Kunt, A., & Maksimovic, V. (2001). Capital structures in developing countries. The journal of finance, 56(1), 87-130.
Bruhn, M., & Zia, B. (2011). Stimulating managerial capital in emerging markets: The impact of business and financial literacy for young entrepreneurs. World Bank, Working Paper, No. 5642.
Casey, E., & O'Toole, C. M. (2014). Bank lending constraints, trade credit and alternative financing during the financial crisis: Evidence from European SMEs. Journal of Corporate Finance, 27, 173-193.
Cavenaghi, E. (2013). Supply-chain finance: The new frontier in the world of payments. Journal of Payments Strategy & Systems, 7(4), 290-293.
Collins, J.M. (2013). The impacts of mandatory financial education: Evidence from a randomized field study. Journal of Economic Behavior & Organization, 95, 146-158.
Eniola, A.A., & Entebang, H. (2017). SME managers and financial literacy. Global Business Review, 18(3), 559-576.
Fama, E.F., & French, K.R. (2006). Profitability, investment and average returns. Journal of Financial Economics, 82(3), 491-518.
Farida, L., Afandi, M.F., Sularso, R.A., Suroso, I., & Putri, N.A. (2019). How financial literacy, innovation capability, and human capital affect competitive advantage and performance: Evidence from creative MSMEs. International Journal of Scientific & Technology Research, 8(11), 2300-2310.
Fathullah, M., & Najafi, M. (2015). Development of supply chain financial management model and chain financing. Industrial Engineering Researches in Production Systems, 4(9), 257-269 [In Persian].
Fatoki, O. (2021). Access to finance and performance of small firms in South Africa: The moderating effect of financial literacy. WSEAS Transactions on Business and Economics, 18, 78-87.
Ferreira, J.J., Azevedo, S.G., & Ortiz, R.F. (2011). Contribution of resource-based view and entrepreneurial orientation on small firm growth. Cuadernos de Gestión, 11(1), 95-116.
Foss, N.J. (2011). Entrepreneurship in the context of the resource-based view of the firm. SMG Working Paper, No. 8/2011.
Frishberg, M. (2013). Alternative financing for US solar energy. Research Technology Management, 56(6), 7-8.
Gibson, J., McKenzie, D., & Zia, B. (2014). The impact of financial literacy training for migrants. World Bank Economic Review, 28, 130-161.
Harris, M., & Raviv, A. (1991). The theory of capital structure. The Journal of Finance, 46(1), 297-355.
Holmberg, D., Crantz, H., & Michaelson, P. (2012). Treating persistent low back pain with deadlift training–A single subject experimental design with a 15-month follow-up. Advances in Physiotherapy, 14(2), 61-70.
Hopson, L.M., Schiller, K.S., & Lawson, H.A. (2014). Exploring linkages between school climate, behavioral norms, social supports, and academic success. Social Work Research, 38(4), 197-209.
Ishtiaq, M., Songling, Y., Hassan, A., & Hayat, A. (2020). The role of financial literacy in resource acquisition and financial performance; moderating role of government support. International Journal of Business and Economics Research, 9(1), 29-39.
Jalilvand, A., & Rostami Noroozabad, M. (2018). Dynamics of investors’ financial literacy, risk perceptions and emotions: Evidence from the Tehran stock exchange. Journal of Investment Knowledge, 7(27), 141-170 [In Persian].
Karanja, M.M. (2017). The effect of risk management strategies on the sustainable competitive advantage of commercial banks in Kenya. University of Nairobi.
Kimunduu, G., Erick, O., & Shisia, A. (2016). A study on the influence of financial literacy on financial performance of small and medium enterprises in Ruiru Town, Kiambu County, Kenya. International Journal of Economics, Commerce and Management, 4(11), 416-433.
Krause, T.A., & Tse, Y. (2016). Risk management and firm value: Recent theory and evidence. International Journal of Accounting and Information Management, 24(1), 56-81.
Lechner, C., & Gudmundsson, S.V. (2014). Entrepreneurial orientation, firm strategy and small firm performance. International Small Business Journal, 32(1), 36-60.
Leitner, S.M., & Stehrer, R. (2013). Access to finance and funding composition during the crisis: A firm-level analysis of Latin American countries. Latin American Journal of Economics, 50(1), 1-47.
Lusardi, A., & Mitchell, O.S. (2011). Financial literacy around the world: An overview. Journal of Pension Economics and Finance, 10(04), 497-508.
Lusardi, A., Mitchell, O.S., & Curto, V. (2009). Financial literacy among the young. Journal of Consumer Affairs, 44(2), 358-380.
Martini, D., & Morse, D.W. (2012). Asset-based lending roars back. Journal of Corporate Renewal, 25(1), 12-16.
Mbatha, M. (2012). Risks and rewards of providing “reverse factoring” as a financing technology for small and medium-sized enterprises in South Africa. Doctoral Dissertation.
Menike, L.M.C.S. (2018). Effect of Financial literacy on firm performance of small and medium enterprises in Sri Lanka. Financial Markets & Corporate Governance Conference.
Modigliani, F., & Miller, M.H. (1958). The cost of capital, corporation finance and the theory of investment. The American Economic Review, 48(3), 261-297.
Moeinadin, M., Abousaeidi, M., & Heyrani, F. (2021). Identification of effective components in the formation of financial literacy of corporate executives using the phenomenological approach. Journal of Investment Knowledge, 10(37), 255-272 [In Persian].
Mohammadi, E., Siamaki, I., & Azadi, M. (2015). Investigating the effect of managers' financial literacy on organizational performance with the moderating role of organizational learning under study (private banks in Ilam). The 7th International Conference on Accounting and Management and the 4th Conference on Entrepreneurship and Open Innovations [In Persian].
Molazadeh, M., Lari Dasht Beyaz, M., & Javad Sai, M. (2015). The effect of CEO's financial knowledge on profit management. Journal of Financial Accounting and Audit Research, 8(30), 37-60 [In Persian].
Molina, C.A., & Preve, L.A. (2012). An empirical analysis of the effect of financial distress on trade credit. Financial Management, 41(1), 187-205.
Moradi, M., & Sepahvandi, S. (2015). The impact of competitive strategies on stability of financial performance and risk. Financial Accounting Research, 7(3), 90-75 [In Persian].
Navarr, A., Losada, F., Ruzo, E., & Diez, J.A. (2010). Implications of perceived competitive advantage, adaption of marketing tactics and export commitment on export performance. Journal of World Business, 45, 49-58.
Ngek, N.B. (2016). Performance implications of financial capital availability on the financial literacy - performance nexus in South Africa. Investment Management and Financial Innovations, 13(2-2), 354-362.
Nguyen, Q. H. (2009). Achieving unity of Effort: leveraging interagency cooperation between the Department of Defense (DOD) and the United States Agency for International Development (USAID). Army command and general staff coll fort Leavenworth ks.
Nohong, M., Ali, M., Sohilauw, M., Sobarsyah, M., & Munir, A. (2019). Financial literacy and competitive advantage: sme strategy in reducing business risk. Revista ESPACIOS, 40(32).
Nunoo, J., & Andoh, F.K. (2012). Sustaining small and medium enterprises through financial services utilization: does financial literacy matter. Agricultural & Applied Economics Association’s 2012 Annual Meeting.
Okojie, V. (2010). Innovative financing for university libraries in Sub-Saharan Africa. Library Management, 31(6), 404-419.
Organisation for Economic Co-operation and Development. (2013). OECD skills outlook 2013: First results from the survey of adult skills. Paris: OECD Publishing.
Panahi, B., Fathi, M.R., Mahdieh Najafabadi, A., & Razi Moheb Seraj, S. (2022). Investigating the relationship between past behaviors and financial literacy with the intention to invest in the stock market with the mediating role of individual variables. Journal of Development and Capital, 7(2), 173-189 [In Persian].
Perman, P. (1984). Factoring - “passport to financial freedom”. Industrial Management & Data Systems, 84(1/2), 26-28.
Porter, M.E. (1980). Industry structure and competitive strategy: Keys to profitability. Financial Analysts Journal, 36(4), 30-41.
Rahmani, S., & Mohammadi, E. (2019). The consequences of financial literacy on investment decisions and investment performance. Financial Knowledge of Securities Analysis, 12(41), 113-123 [In Persian].
Razak, I., Nirwanto, N., & Triatmanto, B. (2016). The impact of product quality and price on customer satisfaction with the mediator of customer value. IISTE: Journal of Marketing and Consumer Research, 30, 59-68.
Resmi, S., Pahlevi, R.W., & Sayekti, F. (2019). Determinants creative MSMEs financial literacy in the special region of Yogyakarta and effect of competitive advantage. Journal of International Conference Proceedings, 2(2), 160-167.
Resmi, S., Pahlevi, R.W., & Sayekti, F. (2019). Financial Literacy as a determinant factor in business growth for creative MSMEs in Yogyakarta. Quality Festival.
Resmi, S., Pahlevi, R.W., & Sayekti, F. (2019). Is there a pattern of relationships between financial literacy, tax literacy, business growth, and competitive advantage on creative MSMEs in Yogyakarta? Journal of Advanced Management Science, 7(4), 136-141.
Resmi, S., Pahlevi, R.W., & Sayekti, F. (2019). The effect of financial and taxation literacy on sustainable competitive advantage through business growth: A study of creative MSMEs in special region of Yogyakarta, Indonesia. International Journal of Entrepreneurship, 23(4), 1-9.
Resmi, S., Pahlevi, R.W., & Sayekti, F. (2021). The effect of financial and taxation literation on competitive advantages and business performance: A case study in Indonesia. Journal of Asian Finance, Economics and Business, 8(2), 963-971.
Sharma, M., & Wadhawan, P. (2009). A cluster analysis study of small and medium enterprises. The IUP Journal of Management Research, 8(10), 7-23.
Stulz, R.M. (1996). Does the cost of capital differ across countries? An agency perspective. European Financial Management, 2(1), 11-22.
Vasilescu, R., Barna, C., Epure, M., & Baicu, C. (2010). Developing university social responsibility: A model for the challenges of the new civil society. Procedia-Social and Behavioral Sciences, 2(2), 4177-4182.
Wahid, F. (2013). Comparison of cost factor in formal and informal credit market. Journal of Managerial Sciences, 7(2), 273-279.
Wise, S. (2013). The impact of financial literacy on new venture survival. International Journal of Business and Management, 8(23), 30-39.
Yang, S., Ishtiaq, M., & Anwar, M. (2018). Enterprise risk management practices and firm performance, the mediating role of competitive advantage and the moderating role of financial literacy. Journal of Risk Financial Management, 11(3), 1-17.
Ye, J., & Kulathunga, K.M. M.C.B. (2019). How does financial literacy promote sustainability in SMEs? A developing country perspective. Sustainability, 11, 1-21.
)