This study is based on financial literacy and credit accessibility for small scale business sustainable growth Owo, Ondo State. The specific objectives of this study were; to examine the impact of financial behaviour, financial attitudes on the performance of small and medium scale enterprises in Owo, Ondo state. The population of the study was 218 respondents of owners and employees of SMEs in Owo, Ondo state. The study used primary data which was collected using questionnaire which comprised of both open ended and close ended questions each addressing the study’s objectives. 218 copies questionnaire were administered out of which 181 were retrieved and used for data analysis. Analysis on the demographic features of the respondents were carry out with multiple regression method was used to test for two hypotheses. The result of the study indicates that; financial behaviour has a positive significant on the performance of SMEs in Owo, Ondo State, that financial attitude has positive and significant relationship with the performance of SMEs in Owo, Ondo State. The findings led to the conclusion that financial behaviour and financial attitude have a significant effect on SMEs performance and can directly determine the organization growth and increase in business assets. The study therefore recommended that owners and employees of SMEs should take a conscious effort to improve upon their financial behaviour and financial attitude by attending workshops, conferences and short courses on financial literacy.
Keywords: Financial literacy, Small and Medium Scale, enterprises performance, financial behaviour and financial attitude
