Peterson, D. “NAVIGATING RISK BY USING A MULTIFACETED APPROACH TO CONTINGENCY PLANNING FOR BLACK SMES IN SOUTH AFRICA’S AUTOMOTIVE INDUSTRY DURING COVID-19”. Journal of Management : Small and Medium Enterprises (SMEs), Vol. 18, no. 2, July 2025, pp. 871-84, doi:10.35508/jom.v18i2.20276.