Lawal, Ibrahim, Habiba Ahmed Gwadabe, and Adetokun Akeem Abiodun. 2025. “FINANCIAL RISK TOLERANCE AND INVESTMENT DECISIONS AMONGST SMES IN ZAMFARA STATE: THE MODERATING ROLE FINANCIAL LITERACY”. Gusau Journal of Accounting and Finance 6 (1):203-18. https://doi.org/10.57233/gujaf.v6i1.14.