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 1, no. 1 & 2 (January 13, 2026): 56–77. Accessed April 5, 2026. https://publications.umyu.edu.ng/jbam/index.php/ujbam/article/view/6.