Based upon the literature addressing small business failures, three general internal factors are identified: finance, management, and marketing. Within each of these three problematic areas, numerous specific difficulties are identified and examined....

With the advent of the Municipal Management Finance Management Act, (Act 56 of 2003), working capital issues have been legislatively forced onto managers’ daily agenda....

Petals of Hope was written to inspire, to bring back hope into the lives of those who have lost their faith and are willing to come back into the Light of the Lord. This book is one of true miracles that were experienced in our times....