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The small- and medium-sized enterprise (SME) sector is globally recognized as the main driving force in economic growth, job creation and social stability (Ladzani and van Vuuren 2002:154). SMMEs encompass a very broad range of firms, from established traditional family businesses employing over a hundred people (medium-sized enterprises), down to the survivalist self-employed from the poorest layers of the population (informal microenterprises). However, the upper end of the range is comparable to the SME population of developed countries. Erwin (2002), argues that, statistically a large majority of SMMEs are concentrated on the very lowest end...
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