Abstract
Financial management plays a vital role in the success and sustainability of Small and Medium Enterprises (SMEs). The unique challenges faced by SMEs demand a comprehensive understanding of financial strategies and practices to navigate the complexities of the business landscape. This paper discusses about SMEs and executes financial decisions and performs in larger organizations. The main objective to examine the literature on SME sources of financing, and implement the account of SMEs and characteristics of owner-manager. SME financial decisions must be explored to understand the intricate relationships and determine the industry's financial contributions. The study desires to provide significant knowledge through investigating the intricate relationship among the characteristics of SMEs and various traits exhibited by their managers and owners. This knowledge was utilized to influence the policy structures, financial organizations and stakeholders involved in supporting SMEs. The SMEs represent an integral part of generating national economic growth was essential to possess comprehensive knowledge of financial circumstances. This information was essential to create a context that supports business management, supports creativity and enables equitable economic growth.
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