Nul Khayril Haziqah Binti Azmi; Nurul Labanihuda Binti Abdull Rahman; Noor Hafizha Binti Muhamad Yusuf; Nadhilah Binti Abdul Pisal; Norziana Binti Yahya; Rabeatul Husna Binti Abdull Rahman. DEVELOPMENT OF A FINANCIAL AND RISK MANAGEMENT SELF-AUDIT MODEL BASED ON CONTINGENCY THEORY TO EMPOWER SMALL AND MEDIUM-SIZED ENTERPRISES. JISED 2024, 9.