“…Nowadays, SMEs play a vital role in economic growth, poverty reduction, innovation, and employment generation (Stokes et al, 2010). In developing countries especially, SMEs play a key role to contribute rural economy, poverty reduction, employment creation, entrepreneurship development, exports growth, and manufacturing industry (Stokes et al, 2010;Arora et al, 2017). Hence, SMEs are considered critical and backbone for developing countries (Prasad, 2004).…”