UTILIZATION OF RISK MANAGEMENT WITH IN SMALL BUSINESSES: A CASE STUDY OF 5 SELECTED BLACK OWNED BUSINESSES IN JOHANNESBURG (SOUTH AFRICA). International Journal of Accounting Research, [S. l.], v. 2, n. 6, p. 1–27, 2015. Disponível em: https://j.arabianjbmr.com/index.php/ijar/article/view/73. Acesso em: 8 jun. 2026.