Risk management is an approach, process or study that is set, identified, assessed or implemented in organizations or homes in attempts aimed at eliminating or minimizing the levels of uncertain (Positive or negative) risks that are experienced in a business. These steps are implemented by the top management of these organizations seeking to venture into ways that will prevent, control or reduce the damages the company may encounter, from the man made or natural disasters. Therefore, reducing the company or individual to encounter any financial or manpower loses encountered from the disaster. Therefore Risk Management is an approach seeking to minimize the levels of risks associated with any business firm, (Crockford, 1986). However, the trend is now changing as not only the business firms are implementing this, but other non-business organizations / firms, are involved in this form of preventions that are aimed at protecting the organizations from damage that is owned by these organizations or companies. Therefore making it possible for the top management to predict and implement the correct ways that is aimed at reducing the diverse effects of the forthcoming damage
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