FINANCIAL LITERACY SURVIVAL TOOLKIT FOR SMALL AND MICRO-ENTERPRISE OWNERS

Developed at North-West University by Prof Erica Derbyshire following a major study, the toolkit is a structured, nine-chapter workbook designed to build essential financial skills for small business owners. It covers topics such as financial planning, bookkeeping, taxation, investment decisions, and growth strategies, using real-world examples and interactive exercises. The content is practical, adopts a simple approach, and is ready to integrate into training and development programmes.