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The purpose of this paper is to investigate the way the adult non-formal education and training (NFET) centres motivated and empowered graduates to start their own micro-enterprises as individuals or as a group. The specific objectives are as follows: to find out the transforming factors fostering the utilisation of acquired skills into self-employment in micro-enterprises; to investigate challenges encountered in starting and managing micro-enterprises and to investigate short-term impact of the NFET programmes and micro-enterprises on living conditions of graduates.

The research design was multiple case studies. Semi-structured interviews and field observations were used for data collection in the qualitative study. In the context of non-probability sampling, the study used the purposive sampling method to select five out of 20 self-employed graduates for one-on-one interviews. Case studies also comprised some observations of activities in their small businesses.

The main findings reveal that “learning by doing” training approach and forming groups of entrepreneurs while being on the programme were major factors fostering the translation of acquired skills into micro-enterprises.

The adult NFET is a tool to enable poor disadvantaged people to improve their well-being. However, this can be achieved if the livelihood skills training is combined with the creation of conducive environments to allow adult trainees become micro-entrepreneurs and self-reliant.

The study contributes to the knowledge of effective entrepreneurial training programmes by demonstrating the importance of involving stakeholders from the local communities and designing post-training support mechanisms for self-employment prior to the training delivery. The centre managers should also motivate trainees to start micro-enterprises in groups or co-operatives while still on the training programmes.

Information and communication technologies (ICTs) open new opportunities for micro‐enterprises to improve their businesses. However, challenges to using ICTs impede these businesses from growing into drivers for development. This paper seeks to investigate the adoption of ICTs in 11 micro‐enterprises in an underserved community of Omaha, Nebraska.

Following an action research study, this research provides insight into the key challenges and opportunities facing micro‐enterprises in their use of ICTs to create value for their businesses.

The process of “IT therapy” provides individualized technology‐related assistance, with an emphasis on relationship‐building, customized training, context sensitivity, and solutions that target strongly‐perceived needs of the businesses studied.

The paper's contribution is in the methodology for facilitating the adoption of ICTs in micro‐enterprises.

Entrepreneurial activities are embedded within the networks of social relationships, which facilitate the flow of crucial information and resources. This study aims to examine the effect of social capital (i.e. structural, cognitive and relational), entrepreneurial competencies (i.e. commitment, conceptual and organizing) and micro-enterprise innovativeness (i.e. innovativeness and absorptive capacity) on the competitive advantages of the micro-enterprises owned and managed by women micro-entrepreneurs in Peninsular Malaysia.

This study used a cross-sectional design and collected quantitative data from 417 women micro-entrepreneurs from six selected states in Peninsular Malaysia through structured interview. For data analysis, this study adopted variance-based structural equation modeling, i.e. PLS-SEM.

The findings of this study revealed a significant positive effect of social capital on entrepreneurial competencies, innovativeness and competitive advantage. The findings also revealed a significant positive effect of entrepreneurial competencies on innovativeness and competitive advantage.

The government and other development agencies working toward enterprise development in Malaysia should therefore focus on designing a platform for women micro-entrepreneurs to promote the development of structural and relational social capital, which foster the flow of crucial information and resources necessary for suitable micro-enterprise performance.

Relationship marketing (RM) has rarely been applied to micro-, small- and medium-sized enterprises (MSMEs) in the informal economy (IE). Thus, this study aims to explore the RM strategy of service rendering micro-enterprises in the IE of a sub-Saharan African country like Ghana.

This study used a qualitative research approach using a multiple case study design, semi-structured interview and a random sampling technique to sample 15 micro-enterprises. Thereafter, the case was analysed thematically.

Results show that micro-enterprises in the IE engage in multiple dimensions of RM in their line of business. Also, micro-enterprises in the IE perceived RM as customer care and somewhat their standard of RM benefits measurement are different from those firms in the formal sector. Furthermore, micro-enterprises in the IE face challenges such as high resource commitment, harassment and the technological gap in practising their RM strategy.

MSMEs in the IE should develop a framework to minimise the shortfall of the challenges associated with RM implementation for business continuity and growth because customers are the lifeblood of the business.

To the best of the authors’ knowledge, this is the first known study that looks at RM practices of MSMEs in the IE. It has thrown light on the understudied subject of RM in MSMEs. For micro-enterprises operating in the Ghanaian IE, the benefits to be derived from practising RM are rewarding. The adopted qualitative methodology has provided an in-depth insight into a vital area for both academics and practitioners.

Although there is significant literature on innovation activities in large and medium-sized enterprises, studies that report on innovation practices in micro enterprises are lacking. The purpose of this paper is to explore three issues: understanding of the term “innovation”, innovation practice(s) and how innovation can be effectively measured.

The 12 case studies presented in this paper involve micro enterprises based in Ireland. Data collected during depth interviews provide insights into understanding, practices, motivations, behaviours and attitudes relating to innovation.

Although awareness of innovation theories, processes and procedures is found to be low, all of the micro enterprises studied engage in a range of innovation activities across products, processes, people and marketing. Innovation is important to the development of the enterprises; however, innovation is not a managed or systematic process, and this is often due to lack of resources.

This paper presents six recommendations which are of use to academics, micro enterprises and government support agencies. These recommendations include making changes to the service provided by support agencies, simplifying innovation, developing an innovation brokering facility, and improving the design/delivery of innovation programmes.

The paper enriches understanding of the experience of participants through the use of narrative structuring, and augments knowledge on the innovation practices of micro enterprises.

This study aims to provide a foundation for the performance-focused micro-entrepreneurship development program; hence, this study is designed to investigate the effect of selected entrepreneurial competencies on micro-enterprise income and assets in Malaysia.

This study adopts the cross-sectional design, and the quantitative data was collected from 300 randomly selected micro-entrepreneurs from the list of participants of several micro-enterprise development programs offered in Peninsular Malaysia.

Findings revealed that micro-entrepreneur’s commitment competency and opportunity recognition competency have a significant positive effect on micro-enterprise income, whereas only opportunity recognition competency has a significant positive effect on the net worth of micro-enterprise assets.

This study examined the effect of key elements of entrepreneurial competencies on micro-enterprise income and asset, which provides the foundation for a performance-focused micro-entrepreneurship development program designed to enhance the performance of micro-enterprises in Malaysia.

This article explores the value of engaging a hybrid learning strategy in a micro-enterprise setting when responding to a global pandemic. The research question asks: “Does a hybrid learning strategy enhance a micro-enterprise's response to extreme events?”.

A micro-enterprise owner–manager (OM) reflects on their experience running a business during the coronavirus disease 2019 (COVID-19) pandemic, which resulted in the complete decimation of the organization’s revenue stream in early 2020. Captured in conversation with an academic peer, these practitioner insights provide valuable case evidence relating to micro-enterprise response to extreme commercial events, such as a global pandemic.

The journey from initial survival-mode to emergent market opportunity recognition and subsequent growth is recorded. The paper contributes to the limited research on the impact of learning strategy plans on micro-enterprise crisis response strategies and provides insights into the value of engaging a hybrid learning strategy when responding to a significant external business shock.

Drawing from these insights, the authors offer a literature-informed framework from which to consider the dynamics of an adaptive strategic response in a micro-enterprise setting, offering a means through which micro-enterprises can plan for and respond to extreme events in the future.

The rich financial knowledge of small and micro business owners helps to enhance the formal credit demand of small and micro enterprises and change the credit channel preference of small and micro enterprises. The purpose of this paper is to explore the relationship between financial knowledge and the credit practices of 290 small and micro enterprises in China’s Jiangsu and Shandong provinces based on their formal credit needs and preferred channels of credit.

To measure the degree of the credit constraints of small and micro enterprises, this study applied questionnaire surveys to obtain information on the credit demand and supply of 363 small and micro enterprises in the Jiangsu and Shandong provinces. Firstly, a probit model is used to study the influence of financial knowledge on the formal credit demand and credit acquisition possibility of small and micro enterprises, and tool variables and a biprobit model are used to deal with the possible errors of endogenesis and sample selection. Secondly, a tobit model is used to study the influence of financial knowledge on the credit access of small and micro enterprises in different channels, and tool variables and a Heckman two-stage model are used to deal with endogenesis and possible errors in sample selection. Finally, this study carried out a series of robustness tests to make the conclusions more reliable.

This study is based on the perspective of the knowledge-based view to explore the impact of financial knowledge on the credit behaviour of small and micro enterprises. This study found that financial knowledge can increase a small and micro enterprise’s formal credit needs and drive the small and micro enterprise to actively apply for loans. Furthermore, financial knowledge has a significant and positive influence on the acquisition of formal credit and approved lines of formal credit and a significant and negative influence on the acquisition of informal credit and approved lines of informal credit.

The results indicated that increased financial knowledge can increase the likelihood of a small and micro enterprise to prefer formal credit and reduce the likelihood of it to prefer informal credit channels.

Financial knowledge is the ability to master basic economic knowledge and financial concepts as well as the ability to use knowledge to manage and allocate financial resources. The rich financial knowledge of small and micro business owners helps to enhance the formal credit demand of small and micro enterprises and change their credit channel preference. This paper offers a new perspective on the problems of credit constraint, low participation in formal credit markets and high participation in private credit markets among China’s small and micro enterprises and valuably supplements the research literature.

In order to be successful, micro‐enterprise owners in South Africa face several management challenges. To overcome these challenges it is crucial that they possess sufficient financial management skills to ensure business survival and growth. This article focuses on determining the extent to which the critical financial management skills that micro‐enterprise owners in South Africa require differ from those they possess, in order to identify specific interventions to develop the skills that are lacking. It was found that most micro‐enterprise owners do not possess the critical financial management skills required. Recommendations are made on how members of the accounting profession could become involved in developing these skills.

This paper aims to attempt to offer a viable alternative model of source of financing which is known as integrated cash waqf micro enterprises investment (ICWME-I) model for micro enterprises in Malaysia.

The literature on the issues of accessing to finance faced by micro enterprises and cash waqf are reviewed critically and used in the attempt of proposing an alternative model.

The paper has developed ICWME-I model as a source of financing for micro enterprises. This model is expected to provide financial services by using cash waqf fund and involved the participatory contract between non-profit organization and micro enterprises. In addition, with the proposed model, there will be no collateral requirement, interest rate and other stringent requirements which usually imposed by existing conventional financial institutions.

The paper is based on conceptual explorations of literature in the area of micro enterprises and cash waqf. This is a conceptual paper, so it did not use any empirical analysis.

The findings of this paper will provide micro enterprises with an alternative source of financing to start-up or expand their business by using cash waqf fund. The present study also has implications for government and policy makers. With the involvement of non-profit organization that is proposed in this model, it helps the government to reduce its expenses for the development of micro enterprises.

This paper offers an additional literature on cash waqf especially from the Malaysian context. Furthermore, this paper adds to the literature on waqf and cash waqf. The paper proposes a viable alternative model for micro enterprises as a source of financing by using cash waqf fund. This model incorporates Musharakah Mutanaqisah (diminishing partnership) as a financial arrangement between non-profit organization and micro enterprises.