Nul Khayril Haziqah Binti Azmi, et al. “DEVELOPMENT OF A FINANCIAL AND RISK MANAGEMENT SELF-AUDIT MODEL BASED ON CONTINGENCY THEORY TO EMPOWER SMALL AND MEDIUM-SIZED ENTERPRISES”. Journal of Islamic, Social, Economics and Development, vol. 9, no. 61, Mar. 2024, https://academicinspired.com/jised/article/view/1952.