ANGELA OBOSE ORIAZOWANLAN

Small-scale enterprises (SSEs) play a crucial role in economic development, job creation, and poverty alleviation. However, they often face significant financial challenges that threaten their survival and growth. This study examines the financial difficulties encountered by SSEs, including limited access to credit, high operational costs, poor financial management, and economic instability. It also explores the survival strategies adopted by these businesses, such as bootstrapping, strategic partnerships, cost-cutting measures, and diversification. Using a combination of qualitative and quantitative methods, the research analyzes data from small business owners to understand their financial constraints and adaptive strategies. The findings highlight the importance of financial literacy, government support, and innovative financing options in enhancing SSE resilience. The study provides valuable insights for entrepreneurs, policymakers, and financial institutions on fostering a more sustainable environment for small- scale businesses.