TO ANALYZE THE UNDERLYING FACTORS UNDERMINING THE DESIRED PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES (SMES): A CASE STUDY OF THREE SELECTED GENERAL DEALERS IN CHILUBI DISTRICT OF NORTHERN PROVINCE.

Authors: Mwape Maybin

Abstract: Small and Medium Enterprises (SMEs) play a vital role in Zambia's socio-economic development by contributing to employment creation, income generation, and poverty reduction. Despite their significance, SMEs in Chilubi District—particularly general dealers—continue to face a myriad of challenges that hinder their optimal performance. This study investigates the core factors that negatively impact SME performance in Chilubi District by focusing on three selected general dealers. Through qualitative interviews and field observations, the research identifies financial constraints, lack of business management skills, poor infrastructure, limited market access, and policy inadequacies as central issues. The study concludes with recommendations aimed at enhancing SME growth in rural regions.

DOI: http://doi.org/