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Vol.15, No.3, August 2026. ISSN: 2217-8309 eISSN: 2217-8333
TEM Journal
TECHNOLOGY, EDUCATION, MANAGEMENT, INFORMATICS Association for Information Communication Technology Education and Science |
Financial Habituation in MSMEs: A Bibliometric Analysis of Research Trends and Knowledge Mapping
Krishnapriya G, N Ajithkumar
© 2026 Krishnapriya G, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)
Citation Information: TEM Journal. Volume 15, Issue 3, Pages 2296-2307, ISSN 2217-8309, DOI: 10.18421/TEM153-22, August 2026.
Received: 21 August 2025.
Abstract:
Financial habituation, the consistent patterns of financial behavior, plays a vital role in the sustainability and growth of Micro, Small, and Medium Enterprises (MSMEs). The study conducts a bibliometric analysis of global research on financial habituation in MSMEs spanning from 2000 to 2024. Utilizing the Scopus database and the Bibliometrix R-package, 1,147 peer-reviewed articles were examined to identify key publication trends, thematic evolutions, and international collaboration networks. The results highlight a significant increase in research post-2015, particularly in areas related to financial literacy, digital finance, behavioral risk, and financial inclusion. Notable gaps persist in areas such as gender-based financial behavior, rural–urban comparisons, and the impact of policy interventions. The study provides a comprehensive knowledge map for researchers, policymakers, and financial institutions, encouraging targeted strategies and interdisciplinary approaches to support financially resilient MSMEs in both emerging and developed economies.
Keywords – Financial habituation, MSMEs, bibliometric analysis, financial literacy, digital finance. |
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