Small- and medium-sized businesses make a significant contribution to the economies of Western countries. Government, industry, and educators commonly train business managers to improve their skills and knowledge in order to improve the performance of these firms. Owner-manager financial skill...

Micro- and small-scale enterprises (MSEs) have become important players in the Kenyan economy, but at the same time they continue to face constraints that limit their development. Lack of access to financial services is one of the main constraints, and a number of factors have been identified to...