This study was conducted with the objective of identifying the major determinants of loan repayment in Small Scale Enterprises (SSEs) with particular reference to SSEs in one of Kenya's most dynamic informal business hub, Kariobangi Division in Nairobi. In order to achieve this objective, primarily data were collected from 50 randomly selected respondents by using questionnaires. Descriptive statistics were used to analyze data on the socioeconomic characteristics of the borrowers. The study found that personal characteristics such as education level, family size, amount of loan applied and business experience of the respondents have a positive relationship to loan repayment. Age, interest rate and change in gender had an inverse relationship to loan repayment.

Many scholars regard the incubation process as a mystery because little is known about what unfolds inside incubation hubs. The business incubation process is a critical initiative that can aid in the growth of new firms. However, little research has been conducted to corroborate what occurs within an incubation hub. The study was aimed at understanding what happens to start-ups in incubation hubs. The research was conducted among Harare start-up founding entrepreneurs. The case study approach was used in this qualitative study. Data was gathered using an interview guide. The sample comprised 21 start-up founders divided into three focus groups. Incubation hubs have a good impact on start-up development, according to the research. The findings offer a rare glimpse into the activities of incubation hubs. It was concluded that incubation hubs make a significant contribution that was critical to the development and survival of start-ups. The study contributed to the theoretical gap by adding more literature on start-up development.

The role of traditional leaders has been viewed as an anomaly in the postapartheid democratic political dispensation. Their presence cannot be denied. A large percentage of particularly rural communities accept their existence and their authority within the context of tribal traditional government and justice. Initiatives have been launched to integrate their existence and continued influence into the current political system. A point of departure has been their description in chapter 12 of the South African Constitution (Act 108 of 1996). Various political and community leaders have expressed their support for the system of traditional leaders as a binding factor in preserving the traditions of the various indigenous peoples of South Africa. INTRODUCTION AND BACKGROUND According to the White Paper on Traditional Leadership and Governance (2003), South Africa's transformation from undemocratic, unrepresentative and unaccountable systems of government necessitated that all values, practices, institutions and structures of governance, be reviewed in the light of the new order. Chapter 12 of the Constitution (SA Constitution: 1996) envisaged that this broad transformation of society would include the institution of traditional leadership,

The Complementary and Alternative Medicine (CAM) industry is one of the fastest growing industries in the world leading to the perception that everyone involved in this industry will be financially viable and have entrepreneurial sustainable businesses. The reality is different. Tibb Healthcare Practitioners are very successful practitioners as long as they work within the Tibb Medical Centres, but as soon as they venture into private practices, it seems that they are unable to create sustainable and profitable practices. This is very surprising, since they are formally registered and regulated by the Allied Health Professions Council of South Africa (AHPCSA) and has practice numbers just like medical doctors do. Medical doctors in South Africa are able to create and sustain financially viable practices so the question arises why Tibb Healthcare Practitioners are struggling to accomplish this. This question is furthermore expanded when speculating whether it is only Tibb Practitioners struggling to create entrepreneurial sustainable private practices or whether other Complementary Medicine Practitioners are having the same difficulties. When engaging with the general public on the topic of CAM it seems like Homeopathy is the profession associated with the industry. A comparison between Homeopathy and Tibb is therefore necessary. Exploratory qualitative research was conducted through semi-structured interviews of Tibb Practitioners and the research findings were analysed using inductive thematic analysis. The findings clearly revealed that Homeopathy training is far superior to the training of other CAM practitioners which also included training in business skills which is clearly lacking in the curricula of the other CAM practitioner training. The result seems to be that Tibb Healthcare Practitioners feel inferior to medical doctors as well as to Homeopaths leading to them believing that the Tibb profession can be financially viable, yet they are unwilling to take the risk because it seems that they do not believe in themselves and in their own abilities as they do in the profession.