T RAMESH. IMPACT OF DIGITAL FORMATION ON SMALL AND MEDIUM ENTERPRISES (SMES): CHALLENGES AND OPPORTUNITIES. International Journal of Advances in Business and Management Research (IJABMR), [S. l.], v. 3, n. Suppl 2, p. 123–129, 2025. DOI: 10.62674/ijabmr.2025.v3isupp2.0012. Disponível em: https://ejournal.svgacademy.org/index.php/ijabmr/article/view/274. Acesso em: 23 jun. 2026.