Nathanael Sirili, Manase Kilonzi, George Kiwango, Edward Lengai, Ramla Nandala, Dorkasi L Mwakawanga, Erick G Philipo, Joseph Matobo Thobias, Gasto Frumence
Knowledge of non-communicable diseases and access to healthcare services among adults before and during COVID-19 pandemic in rural Tanzania
Frontiers in public health
background smes made major contribution national economy pandemic covid19 made decline smes directly affected economy indonesia purpose research focus explore innovation business models novelty research model business model innovation research models include variable selfefficacy research emphasizes selfefficacy islamic financial literacy independent variables business model innovation intermediate model business performance variables dependent variables focus research smes methods quantitative study uses partial least square structural equation modeling plssem questionnaire survey analyze 40 street vendors categorized smes around unisba initial stages questionnaire tested validity reliability test plssem analysis validity indicators items forming latent variables based significance value arithmetic obtained loading factor value divided standard error collected data processed analyzed analytical method used study simultaneous equation model namely partial least square pls statistical tool used test hypothesis smart pls results results showed selfefficacy islamic financial literacy business model innovation positive effect smes business performance simultaneously partially conclusion good selfefficacy good islamic financial literacy plus appropriate business innovation model improve business performance smes