Innovations

Oceans hold the promise of immense resource wealth and great potential for boosting economic growth, employment, and innovation. South Africa is surrounded by vast oceans with immense potential as an untapped resource—the potential to contribute billions of rand to the GDP and offer employment to

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