KALAIEESAN, Kalaipriya. Access to Finance as a Moderator between Financial Literacy and Debt Level of Micro and Small Enterprises in the Northern Province of Sri Lanka. NIBM Journal of Knowledge Innovation , [S. l.], v. 1, n. 1, p. 14, 2026. Disponível em: https://journalknowledgeinnovation.nibm.lk/index.php/NIBMJOKI-v1/article/view/3. Acesso em: 10 mar. 2026.