Chakraborty, S., Dutta, S. and Das, S. (2026) “From Knowledge to Wellbeing: An Integrated Model of Financial Skill, Capability, Autonomy, and Digital Financial Literacy of Indian SME owners”, International Journal of Advances in Business and Management Research (IJABMR), 3(4), pp. 94–114. doi: 10.62674/ijabmr.2026.v3i04.009.