Yunusa, Hassan, and Munir Mashi Shehu. “Impact of Business Efficiency, Market Expansion, and Quality Services on SMEs Performance: Moderating Role of Perceived Risk in Katsina State”. UMYU Journal of Business Administration and Management, vol. 1, no. 1 & 2, Jan. 2026, pp. 56-77, https://publications.umyu.edu.ng/jbam/index.php/ujbam/article/view/6.