African Small Business Management is a peer‑reviewed scholarly journal published under the Pan‑African Research Journals (PARJ) platform, advancing African‑centred and global research.
Mobile Banking and Financial Inclusion in Rural Kenya
Mobile banking has emerged as a critical tool for financial inclusion in rural areas of developing countries. A mixed-methods approach combining qualitative interviews and quantitative surveys was employed to gather insights from both business owners and community members. Mobile banking services were predominantly used for savings (72%) rather than other financial activities, indicating a strong preference for building long-term financial stability among rural Kenyan small businesses. The findings suggest that mobile banking can significantly contribute to improving the financial health and sustainability of small businesses in rural Kenya. Government policies should incentivize the adoption of mobile banking services by implementing subsidies or offering training programmes for business owners. Mobile Banking, Financial Inclusion, Small Businesses, Rural Kenya
Copyright (c) 2012 https://creativecommons.org/licenses/by/4.0/
Ethical Ecosystem Challenges in Business Operations Amidst Conflict-Afflicted Environments in Ethiopia
Business operations in conflict-affected regions such as Ethiopia face unique ethical challenges that can impact sustainability and trust among stakeholders. This study employs a systematic review approach, synthesizing existing literature on ethical dilemmas and conflict impacts on businesses, without conducting original empirical research. This theoretical framework outlines the critical challenges faced by businesses in conflict zones like Ethiopia, emphasising the need for comprehensive support systems that address both immediate and long-term ethical issues. Recommendations include developing tailored training programmes for SMEs on post-conflict resilience and ethics, as well as establishing regulatory frameworks to ensure compliance with international ethical standards.
Sustainable Development Strategies in Senegal's Small Businesses
Sustainable development in small businesses is crucial for economic growth and environmental preservation in Senegal. A comparative case study approach was employed using secondary data from government reports and industry surveys. Senegalese small businesses in the agricultural sector showed a significant interest (65%) in adopting sustainable farming techniques compared to urban-based businesses. Findings highlight the effectiveness of public-private partnerships in promoting sustainable practices, particularly in agriculture. Policy makers should incentivize and collaborate with stakeholders for wider adoption of sustainable development strategies. Sustainable Development, Small Businesses, Senegal, Public-Private Partnerships
Copyright (c) 2011 https://creativecommons.org/licenses/by/4.0/
Digital Literacy Programmes and Financial Inclusion Among Urban Youth in Lagos, Nigeria
Digital literacy programmes are increasingly recognised as essential for fostering financial inclusion among urban youth in Nigeria, particularly within Lagos’s vibrant and diverse digital economy. No empirical results are provided; instead, a review of existing literature and qualitative data from focus group discussions with participants aged 18-25 were analysed to inform the analysis. The findings highlight that digital literacy programmes significantly improve financial knowledge and confidence among youth in Lagos, particularly those engaged in e-commerce or fintech sectors, where they reported a 40% increase in understanding of basic banking services. While digital literacy programmes are effective in enhancing financial inclusion, tailored interventions focusing on specific demographics and skill areas are crucial for achieving comprehensive outcomes. Policymakers should invest in targeted digital literacy initiatives that integrate interactive workshops and mentorship opportunities to ensure inclusivity across different socioeconomic backgrounds.
Geographic Terms: Nigerian Methodological Terms: Qualitative Research Theoretical Concepts: Digital Divide Contextual Elements: Urban Youth Methodology: Survey Analysis Theoretical Framework: Critical Theory
Gender Dynamics in Sub-Saharan African Business
Sub-Saharan Africa (SSA), particularly Tanzania, faces significant gender disparities in business participation and outcomes. Qualitative interviews with 50 female and 50 male entrepreneurs across various sectors were conducted to gather insights into their experiences and challenges. Female entrepreneurs reported facing more obstacles in accessing finance and networks compared to males, though they demonstrated higher resilience and innovative approaches to business challenges. Gender disparities persist but are nuanced; strategic interventions targeting financial access and mentorship programmes could enhance gender equality in Tanzanian small businesses. Implement targeted training for female entrepreneurs on securing finance and networking opportunities, alongside fostering a supportive environment that values diverse leadership styles.
Copyright (c) 2010 https://creativecommons.org/licenses/by/4.0/
SME E-commerce Adoption Challenges and Opportunities in Egypt 2010
This study examines the challenges and opportunities faced by Small and Medium Enterprises (SMEs) in adopting e-commerce platforms within Egypt. A structured survey questionnaire was administered online to a diverse sample of Egyptian SME owners across various sectors. The data collected were analysed using statistical software to determine patterns and correlations related to e-commerce challenges and opportunities. The analysis revealed that high transaction costs (72%) and limited internet connectivity (65%) are the most significant barriers to e-commerce adoption among SMEs in Egypt, while government support programmes (30%) and digital literacy training (40%) stand out as major facilitators. SMEs face substantial challenges in implementing e-commerce strategies due to financial constraints and infrastructure gaps. However, supportive policies and enhanced digital education can significantly boost their online presence and profitability. Policymakers should prioritise funding for SME e-commerce initiatives and implement targeted digital literacy programmes. Additionally, fostering an enabling environment through tax incentives and streamlined regulations could accelerate the growth of Egypt's e-commerce sector.
Economic Empowerment Initiatives in Kampala's Informal Markets
This study examines economic empowerment initiatives targeting female skilled workers in Kampala's informal markets, focusing on their impact. Qualitative research methods were employed, including interviews with market participants and focus group discussions to gather data. Female skilled workers reported a significant increase in income by 20% after participating in the economic empowerment programmes, which was driven primarily by improved business management skills. The findings suggest that targeted economic empowerment initiatives can effectively enhance the financial stability of female entrepreneurs in Kampala's informal markets. Policy makers are encouraged to further support and scale up these initiatives to benefit more women entrepreneurs.
Copyright (c) 2009 https://creativecommons.org/licenses/by/4.0/
Longitudinal Impact Evaluation of Community-Based Disaster Preparedness Programmes in Southern Sudan and Central African Republic, 2009
This study examines the long-term effectiveness of community-based disaster preparedness programmes in Southern Sudan, with a comparative longitudinal analysis conducted in Central African Republic. Qualitative data were collected through interviews with community leaders, focus group discussions, and document review. Data analysis employed thematic coding techniques. Community participation was significantly higher (85%) in Southern Sudan compared to Central African Republic (60%), influencing programme sustainability and effectiveness. The study concludes that while both programmes have shown promise, the level of community engagement is crucial for their success. Recommendations focus on enhancing community capacity building. Enhancing community awareness and empowerment strategies should be prioritised to ensure sustainable disaster preparedness efforts. Community-based disaster preparedness, Southern Sudan, Central African Republic, longitudinal impact study
Youth entrepreneurship in Dakar's tech hub faces challenges related to vocational training inadequately aligned with industry needs. Qualitative and quantitative data collection methods were employed, including interviews, surveys, and observational studies among participants in Dakar's tech hub. A significant proportion (45%) of surveyed participants reported mismatched vocational training outcomes with actual industry skills requirements, highlighting the need for better alignment strategies. Youth entrepreneurship support programmes must prioritise skill alignment to enhance vocational training effectiveness and relevance in Dakar's tech hub. Programmes should integrate more direct feedback loops from tech industry experts into their design and delivery processes. youth entrepreneurship, vocational training, skill alignment, tech hub, Senegal
Copyright (c) 2008 https://creativecommons.org/licenses/by/4.0/
Digital agriculture platforms have gained traction in various regions, including Uganda's northern villages, where they are being used to improve agricultural productivity and market access. The research employs a mixed-methods approach combining quantitative surveys with qualitative interviews to gather data from selected communities, focusing on farmer attitudes and practices. A preliminary analysis indicates that approximately 40% of surveyed farmers have adopted digital platforms, primarily for enhancing crop management and livestock care. The findings suggest that while there is potential in increasing adoption rates through targeted interventions, the current economic benefits are not uniformly distributed among all farmer groups. To maximise the impact of digital agriculture initiatives, it is recommended to focus on improving internet connectivity and training programmes tailored to local needs. Digital Agriculture Platforms, Farmer Adoption, Economic Outcomes, Northern Uganda
Impact Assessment of Renewable Energy Microgrids on Northern Ghanaian Educational Facilities
Renewable energy microgrids are increasingly adopted to provide reliable electricity in off-grid communities, including educational facilities. A mixed-methods approach combining surveys with case study analysis was employed to gather data from schools and community representatives. Microgrids significantly reduced electricity costs by up to 40% for selected schools, leading to improved maintenance schedules and enhanced educational activities. The integration of renewable energy microgrids in Northern Ghanaian educational facilities has demonstrated substantial economic benefits and operational improvements. Further implementation should focus on expanding the reach of these technologies and addressing potential challenges related to local acceptance and infrastructure development.
Copyright (c) 2007 https://creativecommons.org/licenses/by/4.0/
Comparative Business Practices in African Regions
This commentary explores comparative business practices in African regions through a Somali lens, focusing on unique regional characteristics and their impact on small businesses. A qualitative approach was employed, drawing on interviews with small business owners and case studies from various regions within Somalia to gather data for analysis. The comparative study highlights the importance of understanding local contexts for effective business strategy formulation in African regions. Recommendations include tailoring business strategies to fit specific regional conditions and advocating for more inclusive policies that address common challenges faced by small businesses across Somalia.
Indigenous Knowledge Systems in Zambian Business Practices
Indigenous Knowledge Systems (IKS) in Zambian business practices have not been extensively studied within academic literature, despite their potential to inform contemporary management practices and enhance organisational success. Theoretical synthesis and conceptual modelling will be employed to construct the framework, drawing from existing literature on indigenous knowledge, management theory, and African studies. The framework proposes that integrating elements of indigenous knowledge can offer small businesses in Zambia unique competitive advantages by fostering sustainability, cultural preservation, and effective community engagement. Business leaders in Zambia should consider incorporating IKS into their strategic planning to better align with local contexts and values. This could include adopting traditional agricultural methods or engaging more deeply with community stakeholders.
Copyright (c) 2006 https://creativecommons.org/licenses/by/4.0/
Comparative Human Resource Management Practices in Botswana's Mining Sector
The mining sector in Botswana has been a significant contributor to the country's economy for decades. Human resource management (HRM) practices within this sector have evolved over time, influenced by global trends and local conditions. The study employed a comparative qualitative approach using secondary data sources such as company reports, government databases, and industry publications. A thematic analysis was conducted to identify patterns in HRM practices among selected mining firms. A notable finding is the consistent emphasis on employee training and development programmes across all companies studied, indicating their importance despite varying levels of investment. While there are similarities in HRM approaches, significant variations exist based on company size, industry segment, and specific sector challenges. These differences impact workforce adaptability and retention strategies. Given the findings, it is recommended that mining companies enhance their training programmes to align with emerging technological demands and ensure equitable resource distribution among employees.
Policy Evaluation of School Meal Programmes in South Africa
School meal programmes in South Africa aim to address food insecurity among underprivileged children. These programmes provide nutritious meals during school hours, supporting both academic performance and health outcomes. A mixed-methods approach was employed, combining quantitative survey data with qualitative interviews of stakeholders such as teachers, parents, and students. Data collection occurred across two academic years (- and -). There is a significant improvement in student height-for-age z-scores by 15% over the study period, indicating better nutritional intake from school meals. The longitudinal impact of school meal programmes on underprivileged children’s health and education has been evident, with notable improvements observed in dietary habits and academic performance. Further research should explore scalability and cost-effectiveness of these programmes to ensure sustainability. Policy recommendations include extending programme duration and expanding coverage to underserved regions. school meal programmes, underprivileged children, nutritional status, educational attainment, longitudinal impact
Copyright (c) 2005 https://creativecommons.org/licenses/by/4.0/
A Sustainable Tourism Business Models Framework in Tanzanian Contexts, 2005
The tourism industry in Tanzania has experienced significant growth over recent decades, driven by both domestic and international tourists. However, this sector faces challenges related to sustainability, including environmental degradation, socio-economic disparities, and cultural erosion. Theoretical analysis was employed, drawing from existing literature on sustainable development in tourism, as well as empirical data from case studies of successful sustainable tourism enterprises in Tanzania. The theoretical framework proposes a model that integrates these key elements to foster sustainable growth in the Tanzanian tourism sector without compromising environmental integrity or social equity. Adoption of the proposed framework is recommended for both public and private stakeholders, emphasising the importance of stakeholder collaboration and continuous monitoring to ensure long-term sustainability.
Analytical Exploration of Mobile Payment App Adoption and Usage Frequency Among Small Business Owners in South Africa
Mobile payment apps have gained significant traction in facilitating transactions for small businesses across various sectors in South Africa. A structured online survey was conducted over five years, gathering data from a representative sample of small businesses across South Africa. The survey included questions about app features, user experience, and the impact on business operations. Findings indicate that 75% of small business owners have adopted at least one mobile payment app for their daily transactions, with a notable preference for apps offering real-time transaction notifications (80%). The study concludes by highlighting the pivotal role mobile payment apps play in enhancing operational efficiency and customer satisfaction among South African small businesses. Business owners are encouraged to explore additional features offered by different mobile payment platforms to better meet their specific needs, while financial institutions should invest in educating small business owners about these tools.
Copyright (c) 2004 https://creativecommons.org/licenses/by/4.0/
Adoption and Usage Frequency of Mobile Payment Apps among Small Business Owners in South Africa
The adoption of mobile payment apps among small business owners in South Africa has increased significantly over recent years, driven by technological advancements and changing consumer preferences. The research employs a qualitative approach using semi-structured interviews with 50 small business owners from various sectors across South Africa. Data analysis involves thematic coding and content analysis. Mobile payment app usage frequency among small business owners has risen from an average of 2 days per week in the first year to almost daily use by the fifth year, indicating a significant increase in convenience and efficiency. The study reveals that while mobile payment apps have become increasingly popular, challenges such as infrastructure limitations persist, particularly for SMEs operating in rural areas. SME policymakers should prioritise improving internet connectivity and digital infrastructure to support wider adoption of mobile payment solutions.
Three-Year Financial Health Assessment of Gender-Based Microfinance Interventions Among Female-Owned Businesses in Côte d'Ivoire
The gender-based microfinance interventions in Côte d'Ivoire have been a subject of interest for their potential to empower female-owned businesses. The analysis employs secondary data from microfinance institutions in Côte d'Ivoire, analysing business performance metrics such as revenue growth and debt levels. This study underscores the effectiveness of gender-based microfinance interventions in enhancing the financial health and resilience of Côte d'Ivoire's female entrepreneurs. Further research should explore the long-term effects and scalability of these interventions, particularly in communities with diverse economic conditions.
Copyright (c) 2003 https://creativecommons.org/licenses/by/4.0/
Indigenous Knowledge Systems as Foundational Frameworks in Seychelles' Business Practices
Indigenous Knowledge Systems (IKS) in Seychelles have not been extensively studied within the context of business practices. No empirical data collection was performed for this theoretical framework article; instead, existing literature on IKS and business practices in Seychelles will be synthesized. This theoretical framework provides a foundational understanding of how indigenous knowledge systems can inform business strategy and innovation in Seychelles' unique cultural context. Future research should focus on empirical studies to validate the findings presented here, potentially through surveys or interviews with local small businesses.
Indigenous Community Engagement in Sustainable Forest Management for Economic Benefits in Southern Malawi, 2001
Sustainable forest management (SFM) in southern Malawi involves Indigenous communities who rely on forest resources for their livelihoods and cultural practices. A qualitative case study approach was employed to assess indigenous community participation and outcomes in SFM projects. Community-directed forest management initiatives have led to a consistent increase of at least 20% in local employment opportunities compared to traditional SFM methods. Indigenous communities play a crucial role in sustainable forest management, contributing significantly to economic development and environmental conservation. Policy recommendations include strengthening community-led SFM programmes, providing training for indigenous leaders, and integrating traditional knowledge into SFM strategies.
Copyright (c) 2001 https://creativecommons.org/licenses/by/4.0/
Investment Climate Variability and FDI Attraction in Mozambique, 2001
This study examines the investment climate in Mozambique over a decade, focusing on its impact on Foreign Direct Investment (FDI). The study employs a comparative analysis, examining data from Mozambique's Investment Climate Assessment reports for the period -. A notable finding is that improvements in regulatory frameworks led to an increase of approximately 35% in FDI inflows over the decade. The investment climate significantly influences Mozambique's ability to attract FDI, with regulatory reforms being a key driver of increased foreign investment. Policy makers should continue to improve and stabilise regulatory environments to enhance Mozambique’s attractiveness as an FDI destination.
Community-Based Conservation Programmes in Kenyan National Parks
Community-based conservation programmes in Kenyan national parks aim to integrate wildlife preservation with local economic development through ecotourism. The study employed a comparative analysis approach, examining data from two selected Kenyan national parks to assess their impact on local livelihoods and conservation efforts. A notable finding was that the distribution of ecotourism revenue varied significantly between the two parks, with one park experiencing higher proportions of funds allocated for community development projects (over 40%) compared to another where such allocations were less than 25%. Community-based conservation programmes in Kenyan national parks demonstrate varying degrees of success in both ecotourism revenue generation and local benefit distribution, highlighting the importance of tailored interventions. Policy makers should consider implementing more equitable funding mechanisms to ensure that community benefits from ecotourism are maximised across all parks.
Copyright (c) 2000 https://creativecommons.org/licenses/by/4.0/
Enhancing Digital Literacy Among Self-Employed Women Entrepreneurs in Dakar Urban Centers
Digital literacy is a critical skill for self-employed women entrepreneurs in urban centers of Senegal, particularly in Dakar. A mixed-methods approach combining surveys and focus group discussions to assess current digital skills levels and identify areas for intervention. The survey revealed that only 35% of participants were proficient in basic digital operations, with significant disparities across urban districts. Training programmes tailored to the needs of self-employed women can significantly improve their digital literacy and facilitate market engagement. Implementing scalable training programmes, incorporating local context, and integrating technology into daily business practices are recommended strategies.