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The current study examines the relationship between financial literacy and small and the performance of medium enterprises (SMEs), focusing on the moderating role of financial access.

The population of this study consists of present SMEs in Kuwait, from whom a sample of 155 businesses was chosen. This study adopted a cross-sectional time frame and analyzed the collected data using partial least square structural equation modeling, and Smart-pls 4 software was applied for calculation.

This research reveals that financial literacy significantly influences SME performance, consistent with previous studies, showing that higher financial literacy promotes entrepreneurs' financial management capabilities and enhances business outcomes. Also, the study supports that financial access significantly moderates this relationship, pointing out that adequate access to financial services boosts the benefits of financial literacy.

Major implications of this study compromise the urgent need for customized financial literacy programs and policies promoting financial thoroughness, particularly in enhancing economies. The study recognizes limitations such as its cross-sectional design, small sample size and reliance on self-reported measures, suggesting further research use longitudinal approaches, a larger sample and objective measures.

The authors’ recommendations contain comprehensive financial literacy training, development of targeted financial education initiatives, promotion of sound financial management practices and policies to enhance financial access and inclusion, all aimed at boosting SME performance and contributing to economic growth.

To the best of the authors’ knowledge, this study is Kuwait’s first of its sort. Thus, the research is even more critical in Kuwait, where social and corporate values differ significantly. Therefore, this study aimed to investigate the relationship between financial literacy and the performance of Kuwait’s SMEs moderated by financial access.

This study aims to propose an extended model of the theory of planned behavior (TPB) in the fashion industry. This model helps to identify key enablers for consumers, which will facilitate the adoption of a circular economy (CE). These enablers were identified through extensive literature review.

An online survey was conducted with 362 respondents to test the model in the fashion industry. Convenience sampling was used and the survey was distributed via social media and email. Data analysis was performed using partial least squares and structural equation modeling was used to explore the relationships among the variables.

The findings indicate a positive and significant relationship between consumers’ environmental knowledge and their attitudes toward adopting the CE model. In addition, the results demonstrate that providing consumers with a channel to return used clothing positively influences their attitude. The availability of such a channel significantly impacts consumer attitudes toward CE.

This study contributes three novel elements to the TPB framework: availability, environmental knowledge and monetary benefits. This finding posits that consumers’ attitudes toward CE are significantly influenced by their environmental knowledge. This study also highlighted that attitude acts as a mediator in the relationship between environmental knowledge and intention, as well as between availability and intention.