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The financial system and capital market in developed countries are more developed as compare to emerging countries. Firms like small and medium enterprise (SMEs) needs finance to operate their business and make a competitive position in the market. In an emerging country like Pakistan, SMEs face a lot of financial and non-financial obstacles that may relate to the poor performance of SMEs. This study investigates the relationship between commercial loans, retain earnings, trade credit, managerial activities, and SME's performance. This study also investigates the interaction effect of managerial activities between independent variables and dependent variables.  A survey was conducted in a small and medium enterprise of KPK Pakistan. Data were collected from 362 employees. SPSS (Statistical Package for the Social Sciences) software was employed for data analysis for descriptive and regression analysis. The finding confirmed that commercial loans, trade credit, retained earning have a positive and significant impact upon SME's performance. It is also found that managerial activities have played a mediating role and increased the performance of SMEs. Among variables under study, the more trade credit activities, the higher the performance of the SMEs is observed. Based on this study's results, Leaders, supervisors, and managers are those employees having a substantial role in the performance, development, failure, and success of an organization. Managerial activities are vital for a manager for the purpose to know what should be done in different circumstances and improve overall performance and accomplish organizational goals.

Although task conflict is usually seen to be beneficial to team creativity, the relationship is still unclear because of the mixed results. This research investigated why task conflicts resulted in some positive outcomes in terms of team creativity. Drawing on minority dissent theory, this study examined the conflict-creativity relationship by focusing on the mediating role of team reflexivity. We collected the sample data from 338 employees and 67 supervisors (67 teams) across three different sectors (banking, pharmaceuticals, and insurance) in Pakistan to support our hypotheses. We used bootstrapping analysis and the Sobel test to check for the mediation analysis. The results indicated that task conflict increases team reflexivity, team reflexivity facilitated team creativity, and thus, task conflict positively influenced team creativity via team reflexivity. The theoretical and practical implications of this study plus future directions are further discussed.