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    Women’s experiences of learning financial and business skills in the informal street trade in the greater Durban area of KwaZulu-Natal = Abahlangabezana nakho abesifazane ngenkathi befunda amakhono okuphatha izimali namabhizinisi kwezohwebo lwasemigwaqeni endaweni yaseThekwini esifundazweni saKwaZulu-Natali.
    (2024) Cloete, Melanie Bernice.; Maistry, Suriamurthee Moonsamy.; Singh, Shakila.
    Research on opportunity-based entrepreneurship has been dominated by male-centred, Western-centric studies, resulting in knowledge gaps on female necessity entrepreneurs/survivalists in the informal street trade, particularly in Africa. As in other developing countries, in South Africa, women are crucial in fostering economic growth and development through their involvement in informal street trade. However, structural and gender inequalities predispose them to high levels of poverty. This necessitates the generation of relevant, inclusive, and empowering knowledge regarding African women in this neglected sector. This study therefore aimed to understand how women in the informal street trade learn financial and business skills and to gain their perspectives on learning interventions that could enhance and sustain their businesses. This qualitative study subscribed to a critical feminist paradigm, employed a feminist phenomenological design, and drew on African feminisms, resilience theory, and informal learning theories. Purposive sampling was used to select 12 female informal street traders in the greater Durban area of KwaZulu-Natal, South Africa. Primary data was generated from face-to-face phenomenological interviews and observations/ phenomenological walks with participants. NVivo software was used for the initial data coding to identify emblematic typologies, from which a whole-part-whole analytical strategy allowed themes to emerge inductively. The findings indicated that participants faced complex, gendered challenges as street traders. They were unable to access formal business-education programmes and resources; relied on informal and incidental learning to acquire basic financial and business skills. This adversely affected their capacity to make sound business decisions and increase profitability. However, through this study, a deeper understanding of their lived business contexts afforded valuable feedback on the training programmes needed to support them. The findings highlighted the need for targeted, accessible and relevant training interventions that foster more inclusive and equitable opportunities for growth and sustainability of this sector by focusing on crucial financial and business skills, like product pricing, inventory management, and profit calculation. However, the effectiveness of these interventions is contingent upon establishing an entrepreneurial ecosystem that includes the adequate provision of resources and infrastructure, assistance with obtaining permits, and access to municipal. Iqoqa. Ucwaningo lwezamabhizinisi ancike emathubeni belulokhu lugcwele izifundo ezigxile kwabesilisa, zasemazweni aseNtshonalanga, okuholela ekutheni kube negebe olwazini losomabhizinisi besifazane nabazama ukuhweba emgaqweni ikakhulukazi e-Afrika. Njengakwamanye amazwe asathuthuka, eNingizimu Afrika, abesifazane babaluleke kakhulu ekukhuthazeni ukukhula komnotho nentuthuko ngokuzibandakanya kwabo kwezohwebo lwasemigaqweni lwabangenazo izinkampani ezibhalisiwe. Nokho, ukungalingani okukhona phakathi kobulili kubenza babhekane namazinga aphezulu okuhlupheka. Lokhu kuphakamisa isidingo sokusatshalaliswa kolwazi oluwusizo, olubandakanyayo noluthuthukisa abesifazane base-Afrika kulo mkhakha onganakiwe. Ngakho-ke, lolu cwaningo luhlose ukuqonda ukuthi abesifazane abahweba emigaqweni bawafunda kanjani amakhono okuphathwa kwezimali nawebhizinisi kanye nokuthola imibono yabo mayelana nezinyathelo zokungenelela ezingathathwa zokufunda ezingathuthukisa amabhizinisi abo futhi ziwasimamise. Lolu cwaningo oluyikhwalithethivu lugxile kwabesifazane, indlela yokwenza efukula abesifazane nokulwelwa kwamalungelo abesifazane base-Afrika, inkolelo yokubekezela kuhlanganise nemibono yokufunda ngokuzifundisa. Kwaqokwa ngokukhethekile abahwebi besifazane abayi-12 basemgaqweni eThekwini esifundazweni saKwaZulu-Natali, eNingizimu Afrika. Imininingo yatholakala ezingxoxweni ezisakuhleleka, kodwa ezijulile, ezenziwe ubuso nobuso nasekubukeni abaqokiwe besebenza. Kwasetshenziswa uhlelo lwekhompyutha i-NVivo ekuhlanganisweni kwemininingo ukuze kuhlonzwe izigaba zezimpawu, okwenza ukuba isu lokuhlaziya ngokubheka okuphelele nengxenye kuvumele ukuba izihloko zicace kahle. Ucwaningo luveze ukuthi ababambiqhaza babhekana nezinselelo eziyinkimbinkimbi ezibangelwa ukungafani kobulili njengabahwebi basemgaqweni. Babengakwazi ukuthola izinhlelo ezihleliwe zemfundo yebhizinisi nezinsiza; bathembela kulokho abazifundisa kona nolwazi abathuke beluthola ukuze bathole amakhono ayisisekelo ezezimali nawamabhizinisi. Lokhu kubakhinyabezile ekwenzeni izinqumo eziphusile kwezebhizinisi nasekwandiseni inzuzo. Nokho, ngalolu cwaningo, ukuqonda ngokujulile izimo zabo zebhizinisi ezingokoqobo kuveze imininingwane ebalulekile ngezinhlelo zokuqeqesha ezidingekayo ukuze basekelwe. Okutholakele kwaphakamisa isidingo sokuqeqeshwa okwenzelwe bona, abazokwazi ukufinyelela kukona nokuthinta ngokuthe ngqo izidingo zabo okukhuthaza ukubandakanywa kukawonkewonke namathuba amahle entuthuko nokusimama kwalo mkhakha ngokugxila emakhonweni abucayi okuphathwa kwezimali nawamabhizinisi, njengokubeka amanani entengo, ukulawula isitokwe nokubala inzuzo eyenziwe. Nokho, ukusebenza ngempumelelo kwalezi zinhlelo kuncike ekusungulweni kohlelo lwezamabhizinisi oluhlanganisa ukuhlinzekwa okwanele kwezinsiza nezingqalasizinda, usizo lokuthola izimvume kanye nokufinyelela ezinsizeni zikamasipala.