FINANCIAL RISK MANAGEMENT IN SMALL AND MEDIUM-SIZED BUSINESS CONSTRUCTION ORGANIZATIONS: CONTROL TOOLS AND MODELS

Financial risk management in small and medium-sized construction enterprises (hereinafter referred to as SMEs) is gaining increasing relevance amid heightened environmental uncertainty, instability in the construction market, and the capital-intensive nature of projects. Insufficient automation of accounting processes, weak integration between departments, and limited resources exacerbate companies’ exposure to financial threats.