Micro, Small and Medium Enterprises (SMEs) practices in developing economies experience a unique set of challenges to attain their success. With a view of analyzing double impact of SME financial literacy and use of technology on practice of record keeping and risk management as echoed on firm performance, the partial least square structural equation modelling was used to configure the perceived impact of these variables. The results posit a significant relationship between the firm use of technology to its practice of record keeping and performance, a significant positive association of financial literacy and firm risk management practices. Nevertheless the study found insignificant association of financial literacy and firm book keeping practice; it offers unleashed dual practical role of financial literacy and use of technology for improving SMEs financial practices in developing economies.

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Piezoresponse and ferroelectric properties of lead-free [ Bi 0.5 ( Na 0.7 K 0.2 Li 0.1 ) 0.5 ] Ti O 3 thin films by pulsed laser deposition Appl. Phys. Lett. 92, 222909 (2008); 10.1063/1.2938364 Piezoelectric property in morphotropic phase boundary Bi 0.5 ( Na 0.82 K 0.18 ) 0.5 Ti O 3 lead free thick film deposited by screen printing Appl. Phys. Lett. 92, 152901 (2008); 10.1063/1.2911744Dielectric and ferroelectric properties of ( Na 0.8 K 0.2 ) 0.5 Bi 0.5 TiO 3 thin films prepared by metalorganic solution deposition (Na 1-x K x ) 0.5 Bi 0.5 TiO 3 (NBT-KBT-100 x) thin films were deposited on Pt/Ti/SiO 2 /Si(100) by metal organic decomposition, and the effects of potassium content (x ¼ 0.15, 0.18, 0.20, 0.25) on ferroelectric, piezoelectric, dielectric properties of the thin films, and the temperature dependence of dielectric permittivity of NBT-KBT-18 thin film were investigated in detail. NBT-KBT-18 thin film is of the largest effective piezoelectric coefficient d 33eff , remnant polarization 2P r , spontaneous polarization 2 P s , dielectric constant e r , and the lowest dielectric loss among the thin films. The dielectric constants decrease steeply with the increase of frequency, and there are a series of resonance peaks with Debye-like relaxation. In dielectric temperature spectra, two abnormal peaks corresponding to depolarization temperature and Curie temperature are at the range of 75-90 C and 295-320 C, and they are associated with the phase transitions. Based on the dielectric relaxation theory, Debye-like relaxation and diffused phase transition/frequency dispersion are interpreted by space charge polarization and polar nanoregions. Because of the centrosymmetric paraelectric phase, the 2 P s and e r of NBT-KBT-100 x thin film are responsible for the d 33eff according to phenomenological equation. The improved d 33eff may make NBT-KBT-18 thin film a promising candidate for piezoelectric thin film devices, and the enhanced Curie temperature will offer useful guidelines of safe working temperature for potential application in micro-electro-mechanical system.

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