Enterprise Risk Management Practices and Financial Performance of SMEs: Moderating Role of Management Competence in Nigeria . British Journal of Multidisciplinary and Advanced Studies, [S. l.], v. 6, n. 5, p. 21–45, 2025. DOI: 10.37745/bjmas.2022.04956. Disponível em: https://bjmas.org/index.php/bjmas/article/view/1392. Acesso em: 20 nov. 2025.