Khoza, Silindile Zanele Maureen, Adeshina Olushola Adeniyi, and Ayansola Olatunji Ayandibu. 2022. “A Thematic Analysis of The Challenges Faced by SME’s During Uncertain Times in KwaZulu-Natal: A Case of DACT Beneficiaries”. The Journal of Accounting and Management 12 (3). https://dj.univ-danubius.ro/index.php/JAM/article/view/1817.