Micro and Small Enterprise immensely contribute to economic development around the world, in Africa and also in Kenya. Micro and Small Enterprises play a significant role in creation of employment, income generation and are seedbed for medium and large enterprises. Micro and Small Enterprises face many challenges limiting their financial performance and survival as measured by return on assets and growth in sales, including lack of markets, competition, lack of skilled manpower, and poor management practices. In Kenya, Micro and Small Enterprises failure rate is 67%. Download
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