I Kadek Julianaya. “Risk Management Strategies: Avoidance, Reduction, Sharing, and Retention - Systematic Literature Review”. The Journal of Financial, Accounting, and Economics 3, no. 1 (January 31, 2026): 43–63. Accessed August 15, 2026. https://jurnal.glowscien.com/index.php/JFAE/article/view/169.