RACAZA, John Philip S. Financial Decision Making-Skills among Managers of Small and Medium En-terprises in Relation to Business Performance. International Journal of Multidisciplinary: Applied Business and Education Research, Malang, Indonesia, v. 3, n. 4, p. 538–547, 2022. DOI: 10.11594/ijmaber.03.04.06. Disponível em: https://www.ijmaberjournal.org/index.php/ijmaber/article/view/388. Acesso em: 27 jan. 2026.