Bais, Jr. , Armando, and Jeanette I. Gonzales, CPA, PhD. 2025. “ Determinants of Growth Performance and Challenges of Micro, Small, and Medium Enterprises (MSMEs) in Roxas, Isabela”. Studies in Technology and Education 4 (1):17-41. https://doi.org/10.55687/ste.v4i1.132.