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apartheid assistance Association Bank bantustans business owners business training Cape Town capital clients competition constraints customers deregulation Development Corporation donor agencies employment encourage entrepreneurs Eskom established example existing export finance formal sector funding growth identified important industry informal sector infrastructure initiatives institutions interviewed Johannesburg Khayelitsha labour lack Lebowa linked ln addition lndustrial loans manufacturing marketing Mashigo micro micro-businesses micro-enterprise activities micro-enterprise development micro-enterprise economy micro-enterprise owners micro-enterprise sector micro-entrepreneurs Mitchells Plain National networks NGOs Northern Transvaal offered operating parastatal particular Pietersburg potential problems production programmes promotion regional respondents Rogerson role rural areas SBDC schemes Seshego shebeens skills training Small Business Development small enterprises South Africa spaza stokvels strategy structures subcontracting suppliers support organisations survival survivalists target taxi townships trade training centres types of businesses urban Venda Western Cape women