African Microfinance Journal (Interdisciplinary -
African Microfinance Journal (Interdisciplinary - is a peer‑reviewed scholarly journal published under the Pan‑African Research Journals (PARJ) platform, advancing African‑centred and global research.
Cross-Cultural Management Challenges in Pan-African Companies within Liberia's Context
Liberia is a small country in West Africa with significant economic potential but faces challenges in attracting and retaining skilled managers from other African countries. A qualitative study employing semi-structured interviews with 20 senior executives across three pan-African firms to gain insights into their experiences and challenges in a Liberian context. The analysis revealed that language barriers significantly impacted team cohesion and decision-making processes, with approximately 45% of respondents experiencing delays due to communication issues. Pan-African companies operating in Liberia face unique cross-cultural management challenges related to language and cultural differences, which often lead to inefficiencies and reduced productivity. Implementing targeted language training programmes for managers could help mitigate these barriers, thereby improving overall organisational performance.
Copyright (c) 2010 https://creativecommons.org/licenses/by/4.0/
Mobile Payment Innovations in Drought-Stricken Mali
Mobile payment innovations have emerged as a promising solution for enhancing financial inclusion in rural Africa, particularly during periods of drought when traditional banking services may be inaccessible. A mixed-methods approach combining quantitative surveys with qualitative interviews was employed to gather data from both mobile network operators and community members. Mobile payment solutions were adopted by 75% of surveyed households, significantly increasing remittance volumes by an average of 20% compared to pre-innovation levels. The findings suggest that mobile payments can be a viable alternative for facilitating financial transactions in drought-prone areas, potentially reducing reliance on cash economies and improving economic resilience. Policy makers should incentivize the adoption of mobile payment systems through subsidies or regulatory support to enhance their accessibility in rural Mali.
The AfCFTA's Influence on Southern Africa's Regional Supply Chains
The African Continental Free Trade Area (AfCFTA) aims to transform intra-African trade by eliminating tariffs and fostering a unified market across the continent. The analysis is based on secondary data from government reports and industry publications to assess the impact of the AfCFTA on Mauritian businesses within the region. Mauritian firms report an increase in exports to neighboring countries by up to 20% following the implementation of the AfCFTA, highlighting a significant expansion in market access. The AfCFTA has catalyzed growth in Mauritian supply chains by reducing trade barriers and promoting regional integration. Mauritius should leverage existing infrastructure to further integrate into the broader African market and explore opportunities for value-added exports. AfCFTA, Regional Supply Chains, Mauritius, Trade Liberalization
Copyright (c) 2009 https://creativecommons.org/licenses/by/4.0/
The Informal Economy and GDP in Côte d'Ivoire
Côte d'Ivoire's economy is predominantly driven by its formal sector, with a significant portion of economic activity occurring in the informal economy. A comprehensive survey was conducted among key informants including government officials, business leaders, and community members to gather data on the size and characteristics of the informal sector. The analysis revealed that the informal economy contributes approximately 45% to Côte d'Ivoire's GDP, highlighting its substantial economic importance despite being under-represented in official statistics. The survey underscores the need for policy interventions aimed at formalizing the informal sector and fostering sustainable growth within this critical part of the economy. Policymakers should consider implementing measures to enhance access to finance, improve regulatory frameworks, and provide training programmes to support small-scale entrepreneurs in formalizing their operations.
Supply Chain Resilience in Climate Shocks of Agricultural Supply Chains in Chad
Agricultural supply chains in Chad are particularly vulnerable to climate shocks such as droughts and floods, which can severely impact production and market stability. This study employs a mixed-methods approach combining qualitative interviews with quantitative surveys to explore the effectiveness of various resilience measures implemented by farmers, traders, and government agencies. Findings indicate that while some farmers have adopted drought-resistant seeds and improved irrigation systems, there is a significant gap in financial support mechanisms for these innovations. The research concludes that integrated supply chain interventions including insurance schemes and microfinance products can significantly enhance resilience against climate shocks. Policy recommendations include the development of more comprehensive insurance policies covering agricultural risks and the expansion of microcredit programmes to facilitate access to finance for climate-resilient technologies. Agricultural Supply Chains, Climate Resilience, Mixed-Methods Study, Chad
Copyright (c) 2008 https://creativecommons.org/licenses/by/4.0/
Social Impact Evaluation of Community-Based Insurance Schemes Among Smallholder Farmers in Tanzania
Community-based insurance schemes have been introduced to support smallholder farmers in mitigating financial risks associated with weather-related shocks and income instability. A participatory action research approach was employed to collect data through farmer focus groups, interviews, and document review. Data were analysed using thematic analysis. Findings indicate that the insurance schemes have significantly reduced farmers' reported financial stress by up to 40% in areas prone to droughts. The community-based insurance schemes have demonstrated effectiveness in enhancing smallholder farmers' economic stability and reducing their vulnerability to climate-related risks. Further research should explore the scalability of these models, while policy recommendations include integrating such initiatives into existing agricultural development programmes.
Success Rate and Impact Assessment of Entrepreneurship Programmes on Unemployed Youth in Kenyan Informal Economies
Entrepreneurship programmes have been implemented to support unemployed youth in Kenyan informal economies, aiming to enhance their employability and economic independence. A mixed methods study combining quantitative data from programme participant surveys with qualitative insights through in-depth interviews. Entrepreneurial training significantly improved participants’ confidence (90% reported increased self-efficacy) and market access, though initial funding support was crucial for business sustainability (75% of businesses received financial assistance). The study underscores the importance of tailored programmes with both quantitative metrics and qualitative narratives to gauge success. Programmes should integrate more resources for sustaining early-stage ventures and provide ongoing mentorship opportunities post-programme completion.
Copyright (c) 2007 https://creativecommons.org/licenses/by/4.0/
Innovation Hubs and Start-up Ecosystems in Kigali
In Kigali, Rwanda's capital, innovation hubs have emerged as pivotal components of a nascent startup ecosystem aimed at fostering entrepreneurial activity and economic growth. No empirical data were collected as this is a policy analysis focusing on existing literature and stakeholder interviews. The analysis draws from previous studies on startup ecosystems globally. Innovative hubs in Kigali have significantly increased access to mentorship, funding, and networking opportunities for start-ups, particularly in high-tech sectors like ICT and biotechnology. The findings underscore the importance of supporting innovation hubs as a strategic policy intervention to strengthen Rwanda's startup ecosystem and drive economic development. Policy recommendations include increased investment in infrastructure for these hubs, collaboration with international partners for knowledge exchange, and provision of tax incentives for businesses incubated within these hubs.
Gender Dynamics in Sub-Saharan African Business
Sub-Saharan Africa (SSA), including Senegal, faces significant gender disparities in business participation and outcomes, influenced by cultural norms, economic opportunities, and institutional frameworks. This article employs a qualitative analysis to explore existing literature and empirical studies on gender dimensions in business settings across SSA, emphasising the Senegalese experience. The theoretical framework identifies key factors such as cultural expectations, access to finance, and policy support as critical determinants of gender disparities in Senegalese businesses. Policy makers should prioritise initiatives aimed at enhancing financial inclusion and business education for women entrepreneurs to bridge the existing gender gap.
Copyright (c) 2006 https://creativecommons.org/licenses/by/4.0/
Gender dynamics in Moroccan business are a critical but understudied area of research within Sub-Saharan Africa's diverse economic landscape. An ethnographic approach was employed, involving participant observation, semi-structured interviews, and document analysis among a diverse group of entrepreneurs across various sectors. Findings indicate that women entrepreneurs in Morocco face significant barriers to business growth, including access to financing and social networks, with women accounting for approximately 30% of all business owners but only 15% of corporate leadership roles. The study underscores the need for targeted interventions aimed at improving gender inclusivity within Moroccan business structures and enhancing support systems for female entrepreneurs. Recommendations include policy reforms to promote equal opportunities in financing and mentorship programmes, as well as educational initiatives focused on breaking down traditional gender roles in entrepreneurial contexts.
Marketing strategies for local products in global markets have been studied extensively, but insights from specific contexts like Ghana are relatively scarce. Qualitative research methods were employed, including semi-structured interviews with key stakeholders from various sectors involved in market dynamics. A notable theme emerged regarding the underutilization of digital marketing tools by local producers, despite their potential to reach wider global markets. The findings suggest that integrating modern digital marketing strategies could significantly enhance the visibility and sales of local products globally. Local producers should be encouraged to adopt digital marketing platforms as a means to overcome current market limitations. Global Markets, Local Products, Digital Marketing, Ghana, Qualitative Research
Copyright (c) 2005 https://creativecommons.org/licenses/by/4.0/
Microinsurance Coverage Evaluation in Ethiopian Pastoral Communities
Microinsurance is a critical tool for risk management in developing economies, particularly for vulnerable populations such as pastoral communities. In Ethiopia, where livestock ownership plays a vital role in livelihoods, microinsurance coverage remains underexplored. A qualitative research design was employed, involving semi-structured interviews with stakeholders including insurance providers, community leaders, and beneficiaries to gather insights on microinsurance practices and their impact. The findings reveal that while 45% of surveyed pastoral households have access to microinsurance products, there is a significant disparity in coverage based on gender and economic status. Women are less likely to be insured compared to men, with the lowest coverage among economically disadvantaged groups. Microinsurance has shown promise as a tool for risk mitigation in Ethiopian pastoral communities, but its equitable distribution and effectiveness vary significantly depending on socio-economic factors. Policy-makers should prioritise expanding microinsurance services to cover all vulnerable sectors of the population, particularly women and economically marginalized groups. Enhanced community engagement is also recommended to foster greater acceptance and utilization of these products.
Adoption Analysis of Gender-Specific Agricultural Insurance Packages in Zimbabwean Farming Communities
Agricultural insurance has emerged as a critical tool for risk management in farming communities globally, particularly in regions where climate variability and economic shocks are prevalent. In Zimbabwe, small-scale farmers often face significant financial losses due to unpredictable weather patterns and market fluctuations. The research employs a combination of qualitative interviews with stakeholders (farmers, insurance providers) and quantitative surveys targeting farmers to gather insights into their willingness to adopt gender-specific agricultural insurance packages. Findings indicate that 65% of surveyed farmers expressed interest in receiving insurance tailored specifically for female members within their households. This preference was significantly influenced by perceived benefits such as increased crop yields and reduced financial stress. The study concludes that gender-specific agricultural insurance packages hold promise for enhancing risk management strategies among small farming communities, particularly when aligned with local socio-economic conditions. Sustainable adoption of these insurance packages will require targeted marketing efforts to reach female-headed households, alongside collaboration between government agencies and private sector partners to ensure package affordability and accessibility. Agricultural Insurance, Gender-Specific Packages, Small Farming Communities, Zimbabwe
Copyright (c) 2004 https://creativecommons.org/licenses/by/4.0/
Community Banking Platforms in Post-Natural Disaster Economic Recovery
Post-Natural Disaster Economic Recovery in Urban Sierra Leone Communities A qualitative approach was employed to gather insights from urban Sierra Leone communities experiencing post-natural disaster economic recovery, focusing on the use and impact of community banking platforms. Community banking platforms played a significant role, with over 70% of participants reporting improved access to financial services that facilitated their economic recovery efforts after natural disasters in -. Community banking platforms were crucial for economic recovery and are recommended as an essential component of disaster preparedness and response strategies in urban Sierra Leone communities. Urban Sierra Leone policymakers should integrate community banking platforms into their post-disaster economic recovery plans to enhance financial inclusion and support sustainable development. Community Banking Platforms, Economic Recovery, Post-Natural Disasters, Urban Sierra Leone
Developing Business Linkages between Large Firms and Local SMEs in South Africa
This ethnographic study explores business linkages between large firms and local small and medium-sized enterprises (SMEs) in South Africa, focusing on their interactions over a specific period. An ethnographic approach was employed, involving participant observation and in-depth interviews with key stakeholders over a period of three years. Large firms predominantly engaged with SMEs in the manufacturing sector, forming partnerships that resulted in significant sales growth for both parties. A notable trend was the emergence of informal networking groups facilitating these linkages. The study reveals that while formal contracts are common, informal networks play a crucial role in fostering sustainable business relationships between large firms and SMEs. Encouraging collaboration through government-led initiatives could enhance the effectiveness of existing partnerships and promote more equitable growth opportunities for SMEs.
Copyright (c) 2003 https://creativecommons.org/licenses/by/4.0/
Challenges and Opportunities for Business in Post-Conflict Togo
Post-conflict Togo faces significant economic challenges while presenting opportunities for business development. A comparative analysis of secondary data from various sources including government reports, academic journals, and business surveys across multiple post-conflict African states. Businesses in post-conflict Togo face unique challenges such as high unemployment rates and infrastructure deficiencies, while also benefiting from a relatively stable political environment compared to other conflict-affected nations. The comparative analysis highlights the need for tailored business strategies that address specific challenges while leveraging opportunities presented by improved governance and donor support in post-conflict settings. Develop targeted policies aimed at enhancing access to finance, improving infrastructure, and fostering a conducive business environment. Encourage private sector involvement through public-private partnerships (PPP) to promote sustainable development initiatives.
Sustainable Development Governance in South African Business Contexts
Sustainable development in Africa, particularly South Africa's business contexts, faces complex governance challenges that affect both economic growth and environmental sustainability. No empirical data are used; instead, the article employs a qualitative approach with literature review and conceptual analysis to construct the theoretical framework. The theoretical model underscores the importance of integrating sustainability into core business operations for long-term success. Businesses should prioritise stakeholder collaboration as a cornerstone for sustainable development governance in South Africa.
Copyright (c) 2001 https://creativecommons.org/licenses/by/4.0/
Informal Sector Dynamics in Madagascar's Urban Economy,
Informal sector dynamics play a significant role in urban economies across Africa, including Madagascar's informal sector which is crucial for job creation and poverty reduction. Qualitative methods were employed through semi-structured interviews with entrepreneurs and focus group discussions with community members. Data analysis involved thematic coding and content analysis. A key finding is the prevalence of family-run enterprises (75%) in urban areas, indicating strong reliance on familial networks for business operations. The findings highlight the importance of understanding informal sector dynamics to inform policy that supports sustainable economic growth in Madagascar’s urban areas. Policymakers should consider supporting community-led initiatives and strengthening regulatory frameworks to foster a more inclusive urban economy.
Corporate Social Responsibility Practices in Multinational Corporations within Angola
Corporate Social Responsibility (CSR) is an increasingly important aspect of business operations in developing countries like Angola. Multinational corporations operating within Angola have been recognised for their CSR initiatives, which often include environmental protection, community development, and fair labour practices. This study employs an ethnographic approach involving participant observation, interviews, and document analysis with representatives from multinational corporations operating in Angola. Data collection was conducted over a period of six months to capture diverse perspectives and practices. Multinational corporations in Angola reported implementing various CSR activities such as environmental conservation projects (60%) and community development programmes (58%). However, challenges related to resource allocation and local stakeholder engagement were frequently cited as significant obstacles to effective CSR implementation. The ethnographic findings highlight the need for better alignment between multinational corporations' CSR goals and local contexts in Angola. Recommendations include enhanced collaboration with local communities and more targeted funding for CSR initiatives. This study recommends that multinational corporations adopt a more nuanced understanding of local conditions to ensure their CSR efforts are both effective and sustainable. Additionally, fostering stronger partnerships with local stakeholders can help overcome some of the identified challenges. Corporate Social Responsibility (CSR), Multinational Corporations, Ethnographic Study, Angola
Copyright (c) 2000 https://creativecommons.org/licenses/by/4.0/
Entrepreneurship Dynamics in Lagos' Informal Sector
Entrepreneurship in Lagos' informal sector is a critical area of study due to its significant economic impact on Nigeria's growth trajectory. Theoretical development will be employed through a literature review and conceptual analysis to identify key themes and frameworks relevant to entrepreneurship in Lagos' informal sector. This theoretical framework identifies the complex interplay of opportunities and challenges that entrepreneurs face within the informal sector of Lagos, Nigeria. Further empirical research is suggested to validate these insights and inform policy development aimed at enhancing entrepreneurship in the Lagos informal sector.