The problem. South Africa has roughly 1.9 million informal micro-enterprises. Almost none of them keep financial records. Most trade in cash, so the business has no paper trail. Owners can’t see whether they’re making money, and they can’t prove their income to suppliers, lenders or programmes that

Startup Jigawa Ltd is a youth-focused innovation and digital technology organisation based in Jigawa State, Nigeria, established to empower young people, support startups, and promote the use of technology to address local challenges. Since 2017, the organisation has supported digital skills