Abstract Entrepreneurial competencies are capabilities that the business mind people possess to create a new business idea or improve the existing one. Though the direct effect of entrepreneurs’ competence on the performance of MSMEs was relatively researched, its mediating effect was not studied well. Therefore, the primary objective of this study was to investigate the mediating effect of the competence of entrepreneurs on the relationship between bank finance and performance of MSMEs and bridge the gaps in the literature. To meet the objectives, 411 MSMEs owner-managers were randomly selected. The Factor Analysis and Structural Equation Model (SEM) result revealed that the direct and mediating effect of entrepreneurs’ competency was not significant. However, bank finance has a significant positive effect on the performance of MSMEs. Moreover, the study revealed the significant mediating effect of behavioral finance on the relationship between bank finance and performance of MSMEs. For entire variables used in the model, the mediation pattern shown was competitive mediation for bank finance and behavioral finance though it was nonmediation for bank finance and entrepreneurs’ competency.

中文翻译：

---

企业家能力对银行融资与微型，小型和中型企业（MSMEs）绩效之间关系的中介作用

摘要创业能力是指业务头脑中的人们具有创造新业务构想或改进现有业务构想的能力。尽管对企业家能力对中小企业绩效的直接影响进行了相对研究，但对中介作用的研究还不够深入。因此，本研究的主要目的是研究企业家能力对银行融资与MSME绩效之间关系的中介作用，并弥合文献中的空白。为了实现这些目标，随机选择了411个MSME所有者-经理。因子分析和结构方程模型（SEM）的结果表明，企业家能力的直接和中介作用并不显着。但是，银行融资对中小微企业的业绩具有重大的积极影响。而且，该研究揭示了行为金融对银行金融与中小企业绩效之间关系的显着中介作用。对于模型中使用的整个变量，所示的调解模式是银行金融和行为金融的竞争性调解，尽管它不是银行金融和企业家能力的非调解。