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Stokvel is an African traditional credit system with initiatives that are typically situated in the informal economy and are easily accessible to alleviate financial challenges associated with micro and small enterprise financing, networking and product marketing. A wealth of research has provided an understanding of the entrepreneurial imperatives in this regard; however, knowledge of processes of setting up a successful Stokvel model to achieve this overarching benefit of scaling the initiative is still lacking. This study consolidates and examines the application and distribution of the model's four-building constructs established in a previous case study in a broader spectrum, providing requisite knowledge for its adoption in the contemporary entrepreneurial economy. Using a sample of 418 valid responses from the rural and urban areas of Limpopo Province of South Africa, findings reveal that the four building constructs (formation, operation, financial segment and disciplinary measures), are conformant to the study area, with no statistical evidence to support a difference between the ratings of the categories of location. This implies that Stokvel practices across areas of the province are similar, and a proper understanding of the building blocks that sustain its operations can enhance its applicability in other parts of South Africa, as well as other regions. The study, therefore, lays a foundation that can be used to develop a typical rotating Stokvel model for entrepreneurial success in Africa and beyond.

A decade ago, the AIDS pandemic was driven by determinants such as poverty, deprivation, migrancy, patriarchy and gender-based violence. Today, however, the socio-economic and structural drivers of HIV infections have assumed or added other dimensions, including social and electronic media and reality television. These new dimensions saw further expression with the advent of the COVID-19 pandemic from 2020 onwards. To consign both HIV and the COVID-19 pandemics to history’s museum of pandemics, strategists must employ greater infiltration and mastery of social and electronic media and reality TV. In the case of HIV, these created social clouds or bubbles where unprotected sex, transactional sex and multiple concurrent sexual partnerships are manufactured and proliferated globally. The same was the case with the COVID-19 pandemic, in which case these social clouds or bubbles created an alternative narrative about the source of the pandemic, who and how people get infected, and both the requisite remedies and preventions in this regard. With reality television gaining popularity on low-cost paid channels and free-to-air television; with smartphone penetration widening and costs of access to data falling, a social cloud has been created, enabling the cultural majority (those who control the media and capital) to set trends for everyone, including those with less means. These trends in turn become a standard many aspire to live by. The ontological density of the poor and lower middle-class women is lost through the universalisation of social and cultural trends set by middle elites who control the production and reproduction of knowledge and shape international and national imagination. It is these discourses, and their shaping of imagination as a consequence, that this chapter deals with. It looks at both the implications and consequences which, in the case of pandemics such as these, can be dire.

Africa's history of trade, production and financial services that propelled the continent's economic systems existed long before an era of colonisation commonly recognised as beginning in the nineteenth century. By the time the decolonisation of a majority of African countries was achieved in the mid-twentieth century, the African economic identity had been, to a great extent, relegated by Westernised methods and orientations. Today, Indigenous practices are once again resurfacing in Africa's ongoing search for sustainable development, with increasing calls to resuscitate and incorporate these age-long business orientations. This introductory chapter provides readers with a synopsis of all the themes of this second of a two-volume edited book with a focus on the philosophies and practices of Indigenous businesses, which, if successfully explored and scaled up, would make significant contributions to Africa's economic infrastructure.

This study aims to investigate the evolvement of the concept and practice of the Rotating Savings and Credit Association (ROSCA) from informal fund collection for indivisible durables to real property acquisition under the interest-free SBF model by analyzing the previously conducted research that focused on the concept in terms of names, forms, and natures.

A PRISMA-compliant systematic literature review is adopted to ascertain the most relevant studies from various sources and analyze the extracted data or items to accomplish the research objective. Besides, bibliometric network, thematic, and statistical analysis are also applied to bolster the findings acquired from the systematic review. Furthermore, this study mathematically formulates and introduces the customized PRISMA systematic flowchart.

The results reveal that the concept of ROSCA has evolved over the years from informal to formal, micro to macro, individual to institutional, social to business, and fund collection for purchasing household items to real property acquisition since 1962. In this process, the focus area of the research has been shifted from characteristics, operation, and economics to law; source of funds, and history to social; benefits and contribution to digital, risk, and savings behaviour. It is noticed that the majority of the study are Africa-centric, followed by Asia; academic discussion on the ROSCA covers most of the social and economic arena, except the real property acquisition aspect. However, the SBF concept fills up this gap by introducing a real-property-acquisition-centric ROSCA model. The authors provide future agendas regarding focus areas that researchers may consider to develop the SBF concept.

The study focuses on the evolvement of a savings-based model. No study concentrates on the evolution process of the model from ROSCA to SBF; in fact, no conspicuous academic study is found regarding the systematic review of ROSCA in the literature archive.

This case study is intended to supplement postgraduate business learning with the facilitation of an academic practitioner. The case draws on a culmination of subjects, and the participants are encouraged to juxtapose the case information with their professional experiences; however, the primary focus of the case material will be centred on strategy, innovation, and entrepreneurship.

The primary audience for the teaching case is management education programmes including: Master of Business Administration (MBA), Postgraduate Diploma (PGDip), specialist Masters in Management, and certain Executive Education programmes.

This case is about protagonist Ndabenhle Junior Ngulube, the cofounder of an innovative technology-enabled insurance intermediary company called Pineapple. The company has identified an opportunity to resolve the inherent conflict of interest within the insurance industry, as well as the grudge association of non-life insurance purchases. While the competitive landscape of the sector is traditionally dominated by a few large incumbent market participants, Pineapple's digital distribution strategy is more effective at converting ‘clicks-to-clients’, at a fraction of the typical customer acquisition cost. The peer-to-peer business model also allows for superior risk-selection, greater affinity, and lower incidents of fraudulent claims. Ndabenhle and the team develop the company's customer acquisition strategy by drawing on technological trends, reputation drivers, and a concentrated social media approach that focusses on trust, access, product, and value. But, as 2020 begins, Ndabenhle faces choices about the means and methods of scaling the business operation. The case documents the first few years of Pineapple's operations, with a strong focus on business model innovation, distribution, scalability, and technological integration.

To analyse the role disruptive technologies play within sectoral business model innovation

To evaluate the industry-specific competitive business landscape and complexities of building and maintaining a sustainable competitive advantage within a niche market segment

To assess the strategic growth opportunities for an emerging market Insurtech disruptor

To critically appraise the entrepreneurial complexities faced by decision-makers when looking to challenge incumbent market leaders