Access to finance is an important factor for the sustainability and growth of business. Lack of finance means that, the business will operate under-optimal and cannot enjoy economies of scale. This article explores the difficulties of informal sector access to formal finance. The author offers...

Despite that global internet usage continues to expand given the increase in the number of computer ownership and Internet access, a divide persists between information rich and information poor, which is people with lower incomes, education levels, skill and capacity, minorities, as well as...