Sibiya, Ayanda, Johan van der Westhuizen, and Bongani Sibiya. “Challenges Experienced by SMMEs and Interventions by the South African National and Provincial Government: A Literature Review”. African Journal of Inter/Multidisciplinary Studies 5, no. 1 (November 4, 2023): 1–11. Accessed April 19, 2024. https://journals.dut.ac.za/index.php/ajims/article/view/1224.