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Despite the effort to increase financial inclusion, women-owned Micro, Small, and Medium-sized Enterprises (MSMEs) continue to face challenges in the uptake of financial services. Low financial uptake is strongly associated with business failure leading to low income and living standards among women entrepreneurs in marginalized areas. Market system strategies are crucial in determining businesses' level of financial uptake. The study investigated the effect of market system strategies on the financial uptake of women-owned MSMEs in the informal settlement of Nyeri County. Specifically, it investigated the effect of business readiness, financial literacy, investor relationships, and investment impact on financial uptake among women-owned MSMEs. The study variables were anchored on Ricky Griffin's model, Theory of Change, and Refinancing theory. The study used a descriptive research design, specifically a cross-sectional design. The target population was 890 women-owned MSMEs in the informal settlements of Nyeri county. Proportionate stratified and random sampling were used to obtain a sample of 275 businesses representing approximately 30% of the study population. Data was collected using structured questionnaires. A pilot test was conducted using ten individuals to test and improve the study questionnaire Reliability was tested using Cronbach's alpha, where an alpha of 0.7 was the acceptable threshold. Regression analyses indicated that the market system strategies, business readiness, financial literacy, impact investment, and investor relationship positively and significantly affected financial uptake, with p-values lower than 0.05 alpha. The study found that businesses with better market system strategies have a higher financial uptake. Based on the findings of this study, it is recommended that policies and interventions aimed at improving financial uptake among women-owned MSMEs should focus on enhancing business readiness and financial literacy and building strong impact investment and investor relationships. The county government, NGOs, and others interested stakeholders should encourage women entrepreneurs in informal settlements of Nyeri county to seek training and support to develop their business skills and increase their understanding of financial uptake. Furthermore, the county and national governments should connect women-owned MSMEs with impact investors and establish relationships to provide funding, support, and mentorship. Finally, policymakers and stakeholders in the financial sector should consider creating an enabling environment that supports and incentivizes impact investment in MSMEs, especially those owned by women, to increase their financial uptake.

The study aimed at evaluating financial record keeping on financial performance of SMEs in Kinigi Sector. The study was guided by three specific objectives. A descriptive design with a population of 447 and sample size of 211 SMEs was adopted. The study has a pilot study which have been carried and shown a reliable type of instrument which was used to collect information relating to the research objectives. The results of objective one has a low mean showing that there is little or simply insufficiency in ensuring that transactions of the business are not updated accordingly to reflect the activities done in the business. Results of objective two and three as well show a low level suggesting a very low attempt in ensuring record keeping updates and accuracy and it has been seen that it affects the SMEs financial performance. The study studied the relationship by Pearson correlation which have shown a perfect relationship on self-sub variables in the study but also showing a medium significance between financial record updates, record storage, record accuracy and financial performance. The study concluded reminding positive relationship between the study independent variable parameters of financial record keeping together with the dependent variable for selected small scale and medium enterprises in Kinigi Sector; this have shown that a change in the practices of record keeping affect the financial performance of small scale and medium enterprises in Kinigi Sector. The study has made recommendations in relation to the objectives where small and medium enterprises have been recommended to carry out the financial record keeping to ensure that there is proper performance and as well the government policy makers to enhance the courage of record keeping to encourage financial performance in Kinigi Sector.

The research assesses the challenges deterring the progress of women’s small-scale businesses in Rwanda. It was guided by the following specific objectives: identify challenges faced by women’s small-scale businesses in Rwanda and assess how those challenges affect women’s small-scale businesses' progress. Findings were collected from 109 respondents who have been running small-scale businesses over a period ranging from one to three years. Results were collected through a questionnaire and desk review and quantitatively analyzed. The findings shed light on the challenges which small-scale women entrepreneurs face namely family expenses (53.2%), drunkenness (67%), family conflicts (93.6%), financial illiteracy (100%), and poverty (100%). The above-mentioned challenges affect small-scale businesses in that women entrepreneurs find themselves mixing up businesses and family expenses. Family conflicts were also highlighted to be another cause of business failure in that women who conflict with their husbands cannot easily prosper in their businesses. In addition, financial illiteracy makes them unable to assess their profit and find their businesses stagnant or closing. Thus, there is a need to provide support to small-scale businesswomen about how to assess business progress, and calculate their interest rate so that they may come up with financial skills. This would enable them to align their daily family expenses with their business interest. Once properly implemented, it would decrease the business failure rate.

The lack of economic access is one of the main challenges facing small and medium enterprises (SMEs). It contributes to the elevated levels of unemployment and slows the resolution of high inequality and poverty in South Africa. Economic access is the ability of historically disadvantaged individuals and entities to participate in the economy. This study aimed to explore how institutional development can support economic access for SMEs. The study explored how setting up new or improving existing socio-economic structures or legal entities could support economic access for SMEs. The support received by SMEs in South Africa from three institutions, the Independent Power Producer Office (IPPO), the Infrastructure Delivery Division (IDD) and the Development Laboratories (DLabs), set up by the Development Bank of Southern Africa (DBSA) was assessed. Quantitative data from the DBSA and IPPO, as well as qualitative views from informants, were used to assess the economic access of SMEs. The study shows that the IPPO, IDD and DLabs added value by achieving the objectives for which they were created. Furthermore, the results show that institutional development supports economic access for SMEs, and that this support is scalable. The study showed that institutional development could be a tool to support SMEs to participate in the economy. This study contributes to the body of knowledge on ways to support SMEs to grow and contribute to reducing unemployment, inequality and poverty.

The primary objective of this study is to investigate the impact of corporate image, relationship marketing, and customer satisfaction on customer loyalty. The present study employs a quantitative methodology to provide an explanatory analysis. The study sample comprised customers residing in the city of Malang who patronize the small and medium enterprises (SMEs) known as Rampis Bang Raden. The research utilized the purposive sampling method. The study's sample size consisted of 170 participants. The data gathering methods employed in this study encompassed surveys, documentation, and the utilization of Likert scales to assess the instrument. The data underwent analysis through the utilization of the structural equation model partial least squares (SEM-PLS) modeling technique. The results of this study suggest that there is a considerable relationship between corporate image and relationship marketing, and their impact on consumer loyalty. Furthermore, the influence of corporate image and relationship marketing on customer satisfaction is also substantial. Enhancing customer happiness can lead to an increase in customer loyalty. The mediating role of customer happiness can be observed in the association between corporate image, relationship marketing, and customer loyalty. The results of this study indicate that small and medium-sized enterprises (SMEs), such as Rampis Bang Raden, are able to uphold both product distinctiveness and quality, while simultaneously enhancing amicable buyer interactions in order to sustain consumer loyalty.

Business intelligence (BI) can assist businesses with the analysis of information to make better decisions to improve business performance; however, a lack of research with respect to the adoption of BI tools specifically in the SMME apparel sector has been observed. Developments in information technology (IT) have led to an increase in competitiveness among providers, resulting in a plethora of offerings for customers to choose from. As such, businesses are operating in evolving and complex environments where business intelligence systems (BIS) have become essential. The aim of this study was to establish the factors that influence the adoption of BI by micro-small apparel retailers in KwaZulu-Natal. The study was a cross-sectional survey that sampled 132 apparel business owners who were selected using purposive sampling. A survey questionnaire was used to collect the data. The data was analyzed using the Statistical Package for Social Sciences (SPSS) Version 13.0. This study found that the main inhibitors to the adoption of BI systems among small apparel retailers are cost-related. However, an interesting finding was that although cost had a negative relationship to adoption in the results, most of the respondents still indicated that they were able to make financial plans to adopt BI. The study recommends that small apparel business owners prioritize the adoption of BI as a tool for business operations. The adoption of such tools would have a net positive effect on the operations of such businesses.

The goal of this research is to determine how financial literacy and financial attitude influence financial management behavior in Culinary MSMEs in Rawamangun, East Jakarta City. The type of research used is explanatory research. The sampling method is probability with area sampling. Samples were collected from 50 Culinary MSMEs actors in East Jakarta's Rawamangun Urban Village. The primary data used are questionnaire responses on a five-point Likert scale. Multiple Regression Analysis was used to analyze the data, aided by SPSS version 25.0. Based on the testing results, the two hypotheses show that financial literacy and financial attitudes positively and significantly influence financial management behavior in Culinary MSMEs actors in Rawamangun Urban Village. Theoretically, this study recommends further research to analyze in-depth other variables that shape the financial management behavior of Culinary MSMEs in Rawamangun Urban Village. Practically, this study highlights the need for education and literacy to strengthen the financial management behavior of culinary entrepreneurs, with the aim of improving the economy and business through insightful activities such as education, and training courses that focus on savings, loans, investments and insurance.

The existential threat to small businesses, based on their crucial role in the economy, is behind the plethora of scholarly studies in 2020, the first year of the COVID-19 pandemic. Examining the 15 contributions of the special issue on the “Economic effects of the COVID-19 pandemic on entrepreneurship and small businesses,” the paper comprises four parts: a systematic review of the literature on the effect on entrepreneurship and small businesses; a discussion of four literature strands based on this review; an overview of the contributions in this special issue; and some ideas for post-pandemic economic research. Responding to COVID-19 involves not just shielding small business jobs, supporting entrepreneurship, and raising government debt but also creating productive entrepreneurship and resilient location-specific entrepreneurial ecosystems. The COVID-19 pandemic is an unprecedented challenge for small businesses that also brings new market opportunities. The papers in this special issue of Small Business Economics Journal aim to shed light on the economic effects of the COVID-19 pandemic by looking at the macro- and microeconomic effects on entrepreneurship and small businesses as well as the role of financial support policies and well-being in both developed and developing countries. Future research should focus on the role of digitization and financial mechanisms supporting small businesses during crises.

Entrepreneurial finance markets are in a dynamic state. New market niches and players have developed and continue to emerge. The rules of the game and the methods for receiving financial backing have changed in many ways. This editorial and the special issue of Small Business Economics focus on crowdfunding (CF) and initial coin offerings (ICOs), which are two distinct but important entrepreneurial finance market segments of the future. Although the two market segments initially appear to be similar, we identify differences between them. Our comparison focuses on the stakeholders, microstructures, regulatory environments, and development of the markets. We conclude with suggestions for future ICO and CF research.

This study aims to analyze GR No. 55 of 2022 with regulations that have an impact on previous regulations. The analysis technique used is qualitative with several approaches. The qualitative descriptive approach analysis technique analyzes the comparison of GR No. 55 of 2022 and the Miles and Hubermen approach analysis technique is used in the policy study of GR No. 55 of 2022. Data collection techniques by collaborating literature study techniques with in-depth interviews with academic and practitioner informants. The main findings of the study identified that a significant change in GR No. 55 of 2022 is the regulation of benefit-in-kind from non-taxable to taxable income. The determination of the value of benefit-in-kind can create room for disputes due to differences in perceptions arising from the valuation of benefit-in-kind based on the market price. This potential dispute becomes a reference for further regulation by the tax authority. The results of this study contribute to MSME taxpayers in fulfilling GR No. 55 of 2022 as an application of tax liability compliance.