“THE IMPACT OF FINANCIAL LITERACY ON INVESTMENT DECISION MAKING: A STUDY ON THE OWNERS AND MANAGERS OF RETAIL BASED SMES IN PESHAWAR” (2025) Center for Management Science Research, 3(7), pp. 801–832. Available at: https://cmsrjournal.com/index.php/Journal/article/view/587 (Accessed: 16 June 2026).