Abstract

Small and Medium Enterprises (SMEs) play a critical role in global economic development but remain highly vulnerable to disruptions, financial instability, and crises. Business continuity and risk management frameworks are essential for enhancing their resilience and ensuring sustainable operations. This study presents a comprehensive framework tailored for SMEs, integrating crisis preparedness and financial stability strategies. It explores key risk factors, including economic volatility, cybersecurity threats, supply chain disruptions, and operational challenges, which significantly impact SMEs' survival and growth. The proposed framework adopts a proactive approach by incorporating risk assessment methodologies, contingency planning, financial risk mitigation, and digital transformation strategies. It emphasizes the role of leadership, technology adoption, and regulatory compliance in strengthening crisis preparedness. Additionally, the study highlights best practices for SMEs, such as diversified revenue streams, emergency funding mechanisms, and data-driven decision-making, to improve adaptability and long-term sustainability. By implementing a structured business continuity and risk management framework, SMEs can enhance their resilience, maintain operational stability during crises, and secure financial sustainability in an increasingly uncertain business environment.