Muhammad Rizwan Kamran, Muhammad Usman Yousaf, Sadaf Noor and Aisha Saleem 2026. FINANCIAL CAPABILITY AND SME PERFORMANCE: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY AND THE MODERATING ROLE OF INTERNAL LOCUS OF CONTROL. JOURNAL OF SOCIAL RESEARCH DEVELOPMENT. 7, 6 (Aug. 2026), 225–248. DOI:https://doi.org/10.59075/jsrd.v7i6.535.