THE last three months of the year will be crucial for micro, small and medium enterprises (MSME) since consumer behavior during the Christmas season will determine how the economy will perform ahead of the new year, Jose Ma. "Joey" Concepcion 3rd, Go Negosyo founder, said.

He said that mobility in the last quarter must be maintained to ensure that the country's economic recovery does not stall, especially during the holidays when consumer spending is expected to peak.

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