“…There are several key factors that influence the development of SMEs such as human resources (Voca & Havolli, 2019); marketing and technology (Ahmad, Imm, Aziz, & Basha, 2020); government support (My, 2020); entrepreneurship; and capital (Luo, Al-Shami, & Mansor, 2019). Researchers have focused on financial, marketing, technology, human resources, and practical management factors as criteria.…”