The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho

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dc.contributor.advisorTsibolane, Pitso
dc.contributor.authorHlabeli, Batloung
dc.date.accessioned2021-01-26T12:06:27Z
dc.date.available2021-01-26T12:06:27Z
dc.date.issued2020
dc.date.updated2021-01-26T12:04:13Z
dc.description.abstractBackground: This study explores the significance of ICT on the capabilities of unbanked MSE entrepreneurs in Lesotho. MSE entrepreneurs are the primary source of income for their families, especially in the context of developing countries. Accordingly, MSEs are fundamental instruments for economic growth, poverty alleviation and source of employment in developing countries. Hence, the country that invests in this business sector is a step closer to accomplishing its MDGs. Purpose: The study explored and empirically assessed the influence of mobile payments among MSE entrepreneurs through a capabilities lens. Given that MSEs are crucial for developing countries, the targeted participants were MSE entrepreneurs from diverse trading industries in Lesotho. Research methodology: The methodology for this study was qualitative. Exploratory and descriptive research methods were used to evaluate the influence of mobile payments on the capabilities of MSE entrepreneurs. This study adopted Kleine's Choice Framework to explore and empirically assess the benefits of mobile payments among MSE entrepreneurs. Data was collected using semi-structured interviews and field notes and analysed using thematic analysis. Key Findings: The findings revealed the use of M-Pesa within the MSE sector enabled microentrepreneurs to accomplish their goals. The findings show that M-Pesa leads to the growth of MSEs. Therefore, entrepreneurs in the MSE business sector are capable of providing food, shelter and clothes for their families through income generated from their enterprises. Additionally, MSE entrepreneurs bank, transfer and receive money through accessible and available mobile payment platforms. However, these entrepreneurs face issues such as network failure, withdrawal amount limits and security risks while using mobile payments. Value of the study: The study contributes to the existing ICT4D and mobile payments literature in Lesotho by discussing the influence of mobile payment through the Choice Framework.
dc.identifier.apacitationHlabeli, B. (2020). <i>The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho</i>. (). ,Faculty of Commerce ,Department of Information Systems. Retrieved from http://hdl.handle.net/11427/32680en_ZA
dc.identifier.chicagocitationHlabeli, Batloung. <i>"The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho."</i> ., ,Faculty of Commerce ,Department of Information Systems, 2020. http://hdl.handle.net/11427/32680en_ZA
dc.identifier.citationHlabeli, B. 2020. The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho. . ,Faculty of Commerce ,Department of Information Systems. http://hdl.handle.net/11427/32680en_ZA
dc.identifier.ris TY - Master Thesis AU - Hlabeli, Batloung AB - Background: This study explores the significance of ICT on the capabilities of unbanked MSE entrepreneurs in Lesotho. MSE entrepreneurs are the primary source of income for their families, especially in the context of developing countries. Accordingly, MSEs are fundamental instruments for economic growth, poverty alleviation and source of employment in developing countries. Hence, the country that invests in this business sector is a step closer to accomplishing its MDGs. Purpose: The study explored and empirically assessed the influence of mobile payments among MSE entrepreneurs through a capabilities lens. Given that MSEs are crucial for developing countries, the targeted participants were MSE entrepreneurs from diverse trading industries in Lesotho. Research methodology: The methodology for this study was qualitative. Exploratory and descriptive research methods were used to evaluate the influence of mobile payments on the capabilities of MSE entrepreneurs. This study adopted Kleine's Choice Framework to explore and empirically assess the benefits of mobile payments among MSE entrepreneurs. Data was collected using semi-structured interviews and field notes and analysed using thematic analysis. Key Findings: The findings revealed the use of M-Pesa within the MSE sector enabled microentrepreneurs to accomplish their goals. The findings show that M-Pesa leads to the growth of MSEs. Therefore, entrepreneurs in the MSE business sector are capable of providing food, shelter and clothes for their families through income generated from their enterprises. Additionally, MSE entrepreneurs bank, transfer and receive money through accessible and available mobile payment platforms. However, these entrepreneurs face issues such as network failure, withdrawal amount limits and security risks while using mobile payments. Value of the study: The study contributes to the existing ICT4D and mobile payments literature in Lesotho by discussing the influence of mobile payment through the Choice Framework. DA - 2020 DB - OpenUCT DP - University of Cape Town KW - mobile payment KW - MSE entrepreneurs KW - Capabilities KW - Choice Framework LK - https://open.uct.ac.za PY - 2020 T1 - The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho TI - The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho UR - http://hdl.handle.net/11427/32680 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/32680
dc.identifier.vancouvercitationHlabeli B. The influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho. []. ,Faculty of Commerce ,Department of Information Systems, 2020 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/32680en_ZA
dc.language.rfc3066eng
dc.publisher.departmentDepartment of Information Systems
dc.publisher.facultyFaculty of Commerce
dc.subjectmobile payment
dc.subjectMSE entrepreneurs
dc.subjectCapabilities
dc.subjectChoice Framework
dc.titleThe influence of mobile payments on the choices and functionings of Micro and Small Enterprise (MSE) entrepreneurs in Lesotho
dc.typeMaster Thesis
dc.type.qualificationlevelMasters
dc.type.qualificationlevelMCom
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