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  1. STHEMBISO MSOMI, Thabiso - NZAMA, Smangele. Financial Literacy and SME Loan Repayments in South Africa During the COVID-19 Era”. In Investment Management and Financial Innovations. - Sumy : LLC "Consulting Publishing Company "Business Perspectives", 2022. ISSN 1810-4967, 2022, vol. 19, no. 4, s. 113-121.
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