Abstract
In micro-enterprises, financial decision-making is typically concentrated in the hands of one person, therefore the competences of the leading financial decisionmaker significantly determine the financial success of the enterprise. In our pilot study, we examined the impact of three competences (financial literacy, digital and entrepreneurial competences), on financial success among micro-enterprises in the Southern Great Plain region, in a 92-item sample, using PLS path analysis. The results showed that the most important factors in financial decision-making are the behaviour and acquired practices of the decision-makers, and we proved that the combination of the three competences has a positive effect on the financial success of enterprises.
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