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The purpose of this paper is to identify the principal qualities that define a good worker for microenterprises of the trade sector according to the contemporary literature of the human capital and associated with the Big Five personality traits. It also determines the effect of those skills over the success of trade microenterprises in the context of a developing country.

A total of 393 owners/managers of microenterprises located in six trade zones of Lima district in Peru were involved in this study. They were randomly selected and asked to answer a survey of perceptions about the microenterprise’s performance and workers’ behavior.

The results demonstrate that workers that possess mainly non-cognitive skills would be considered as good workers for trade microenterprises. These skills are associated with four of the Big Five personality traits: extraversion, agreeableness, openness or autonomy and conscientiousness. Also, the results show that punctuality, honesty and assertiveness, associated with the traits such as extraversion, agreeableness and conscientiousness, are the principal non-cognitive skills that impact positively over microenterprises’ success.

The performance of workers is only based on owners/managers’ perceptions.

The owners/managers’ role is important to help workers to develop the necessary skills that can contribute to the microenterprise. In that sense, if the direct contact that exists between them is leveraged, owners/managers could implement strategies such as mentoring to promote the personal and professional growth of their workers.

This study provides useful information about how specific non-cognitive skills of workers can contribute to the success of trade microenterprises in developing countries like Peru.

To enhance the loan repayment performance of microfinance institutions (MFIs) in Pakistan, this study aims to analyze the direct impact of social capital and loan credit terms on loan repayment performance and microenterprises’ business performance while considering the mediating role of microenterprises’ business performance on the relationship between social capital, loan credit terms and loan repayment performance.

The analysis was conducted based on the data gathered via a questionnaire distributed to 316 microenterprises owners. The respondents were selected using the stratified sampling technique by dividing the target population into three influential groups of manufacturing, trading and services microenterprises. The reliability and validity of the constructs were established using (1) factor loading, (2) Cronbach’s alpha, (3) composite reliability, (4) average variance extracted, (5) the variance inflation factor, (6) the Fornell–Larcker criterion and (7) the heterotrait–monotrait ratio. The structural equation modeling technique was then applied, and the hypotheses were tested based on the structure model generated through bootstrapping by using partial least squares structural equation modeling.

The results confirm the direct impact of social capital and loan credit terms on microenterprises’ business performance and loan repayment performance. It also supports the mediating role of microenterprises’ business performance toward the relationship between social capital, loan credit terms and loan repayment performance while considering the direct impact of microenterprises’ business performance on loan repayment performance.

To date, the direct impact of social capital and loan credit terms on microenterprises’ business performance and loan repayment performance has been hardly investigated in the context of Pakistan. This study also examines the mediating role of microenterprises’ business performance toward social capital, loan credit terms and loan repayment performance. The findings will enable both MFIs and microenterprises to improve their business performance and loan repayment performance through enhanced social ties and the development of more flexible credit products that protect the borrowers’ interests and the interest of lenders.

Against the background of growing concerns that development interventions can sometimes be a zero sum game, the purpose of this paper is to examine the unintended consequences of microfinance for women empowerment in Ghana.

The study employs a participatory mixed-method approach including household questionnaire surveys, focus group discussions and key informant interviews to investigate the dynamics of microfinance effects on women in communities of different vulnerability status in Ghana.

The results of hierarchical regression, triadic closure and thematic analyses demonstrate that the economic benefits of microfinance for women is also directly associated with conflicts amongst spouses, girl child labour, polygyny and the neglect of perceived female domestic responsibilities due to women’s devotion to their enterprises.

In the light of limited empirical evidence on potentially negative impacts of women empowerment interventions in Africa, this paper fills a critical gap in knowledge that will enable NGOs, policy makers and other stakeholders to design and implement more effective interventions that mitigate undesirable consequences.

The aim of this paper is to analyse the spillover effects of microcredit on the economy of Ecuador, with a particular focus on its potential as a poverty alleviation mechanism.

To address our research questions, we take into account the distance between cantons (Ecuador’s own administrative distribution) by adopting a spatial autoregressive (SAR) model. To this end, a database will be constructed with macroeconomic information about the country, broken down by canton (administrative division of Ecuador), and in a 2019 cross section, with a total of 1,331 microcredit operations in all 221 of Ecuador’s cantons.

We find a positive effect of microcredit on these neighbouring regions in terms of wealth generation.

We acknowledge that this study is limited to Ecuadorian cantons. Nonetheless, it is crucial to emphasize that focussing on an under-represented developing country like Ecuador adds significant value to the research.

Facilitating access to microcredit is one of the main solutions to address the goals proposed in the sustainable development goals (SDGs).

Microcredit activity contributes to the creation of value and wealth in Ecuador, exerting a spillover effect in neighbouring areas that can generate positive multiplier effects and alleviate poverty. For all of the above reasons, our proposal for the country is to support and promote microcredit as one of the main solutions to address the goals proposed in the SDGs.

The novelty of this study lies in the use of spatial econometrics to observe the indirect effects of microcredit on the regions bordering the canton in which it was issued, thus examining the spatial effects of microcredit on wealth distribution.

A microenterprise is modeled on Islamic epistemological premises to bring out its extensively applied perspectives using community‐based participatory instruments of Islamic law (Shari’ah). The case study is for Bangladesh, but the model developed has universal implications. Various organizational features of such a microenterprise model with a strong human resource development focus at the grass roots are explained in detail, keeping in view the process‐based systems perspectives in the knowledge‐induced learning process that is embedded in the model of the Islamic microenterprise.

The purpose of this exploratory study is to examine whether performance of microenterprises located in a microenterprise zone (MEZO) in China is positively related to key management practices, entrepreneurial orientation, marketing capability, and technology capability. The paper aims to introduce the concept of MEZOs as a supplemental tool for governments to strengthen microenterprise activity.

A total of 150 randomly selected microenterprises located in a MEZO in Changchun, an industrial city in Northeast China, completed a survey consisting of a three‐part measure of microenterprise performance developed by Zinger et al. and entrepreneurial orientation. Factor analysis was performed on 11 management issues and correlation analysis was performed.

The study found that key management practices, marketing capability, and technology capability of microenterprises in MEZOs do have a positive impact on performance sales, net profit, and growth.

The study's results are limited by a sample in one city in one province of China collected in one month. The data are cross‐sectional rather than longitudinal. Sample bias may exist.

This study is valuable to government officials, policy makers, non‐government organizations and consulting firms as they examine new measures to unleash the economic power of microenterprises.

MEZOs need to be explored as one solution to aide microenterprise development to improve the poverty level, create jobs, and stimulate economic activity.

To the authors' knowledge, this is the first exploratory study of the performance of microenterprises located in a MEZO in China. Through research, the factors that contribute to microenterprise performance and success can be better understood and the impact that the MEZO model has on microenterprises can be better delineated.

The purpose of this study is to determine the factors that impact the trust of microenterprises in online selling platforms and cargo carriers and examine the consequences of a lack of trust.

This study adopts a qualitative exploratory approach and uses grounded theory to generate insights based on interviews with 27 microenterprise owners selling internationally on an online selling platform.

The results show that a lack of competence, an absence of an integrated claim system and a lack of transparency are the main factors affecting sellers’ trust in online selling platforms. The relationship between the sellers’ intention to continue to use the online selling platform and their trust in the platform was found to be moderated by switching costs.

This study is limited in that the results were mainly based on the sellers’ perspectives although the phenomenon of interest involves various actors. To mitigate this limitation and cross-check the data, the customer reviews and some of the sellers’ account statistics were also analyzed.

This study introduces the sellers’ perspectives on the dynamics of supply chain management in international micro trade. These dynamics provide a guideline for how to build and manage an online selling platform targeting microenterprises.

Unlike previous studies, this study examines online transaction behaviors from the standpoint of sellers, not buyers. Moreover, it is the first study examining the damaged or lost shipments within the context of online transactions in international micro trade.

The purpose of this paper is to address the following question: how do we derive a systemic understanding of community, business and microenterprise linkages in the light of the cardinal episteme of Islamic belief, Tawhid?

The worldview of unity of the divine laws termed in the Qur'an as Tawhid (oneness of God or equivalently oneness of the divine laws and also unity of knowledge) is explained in the form of a general socioeconomic paradigm. This worldview is then used to address the complementary relationships between microenterprises and their embedded social environment comprising community and business.

The participatory development interrelationships explained by means of circular causation between the variables representing community, business and microenterprise comprise a specific example of application of the Islamic episteme of unity of knowledge to entities that exist in embedded learning systems. Such learning systems are governed by the episteme of unity of knowledge as explicated by the Qur'an and the Sunnah (Prophetic guidance). These together form the foundation of every Islamic methodological inquiry and application. Examples of microenterprises are Pasar Pagi (morning markets) and Pasar Malam (night markets) in Indonesia. Other comparative examples are given.

This paper shows how participatory development and sustainability‐by learning paradigms arise uniquely from the epistemic foundations of unity of knowledge (Tawhid). The productive transformation of microenterprise groupings through their complementary relationships with community and business is shown to invoke the Tawhidi epistemic worldview. The result of such complementary social embedding is expected to result in enhanced organization and productivity of microenterprises. The paper offers policy prescriptions for such participatory development change.

This study aims to assess the impact of mobile phones on the livelihoods of women microenterprises in two selected districts of Malawi.

This study adopted an interpretive qualitative approach. The authors conducted six focus group discussions with 33 women microenterprise owners in two selected districts of Malawi. This study was guided by the sustainable livelihood approach as an analytical framework.

The findings confirmed that to some extent use of mobile phones by women microenterprises helped them realise their livelihood outcomes. These included improved access to information, improved communication, improved marketing, reduced transport costs and improved efficiency and productivity. However, optimum benefits were highly curtailed by a number of factors such as poor information and communication technologies (ICT) infrastructure, security issues, high cost of talk time and data bundle, lack of ICT literacy, low education and sociocultural factors.

The findings provide evidence on the role of mobile phone technology play in promoting the value for women participating in business activities in disadvantaged communities. Policymakers and other stakeholders can use the findings as a basis for prioritising the improvement of mobile technology infrastructure in rural communities tailor-made to women microenterprises.

This paper seeks to look at failed development paradigms in West Africa, one of the world's poorest regions, and to argue that new and contextually relevant methods are needed to stem poverty, engage people in productive microenterprises, improve people's quality of life, and foster patriotism and civic involvement among citizens.

Based on the view that microentrepreneurship is a way of life and a means of livelihood for West Africa's poor, and that lack of credit is a formidable obstacle to microenterprise development, the paper makes a case for institutionalizing a financial systems approach, which was developed by microenterprise financing practitioners to provide poor people world‐wide with savings and credit services, leading to their self‐sufficiency and integration into mainstream financial systems. The four stages of this approach are discussed, along with the tasks in each stage.

The paper posits that implementing the approach must be a joint task among society's four key stakeholders in the public, corporate, non‐profit and grassroots sectors.

The paper concludes that a financial systems approach offers several prospects for citizens’ productivity, for political stability in their countries, and for their meaningful engagement in the world's delocalized economy.