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Skills and knowledge of business and management are essential for enterprise growth and business survival, to a point where entrepreneurs regard them as indispensable qualities desired in business management. These qualities are not the only ones necessary in business and management, as there are many determinants of business growth. However, there are numerous instances where a business enterprise fails despite its human resources having received high quality training in business skills, and sometimes even having adequate resources. The purpose of this study was to design an innovative way to incorporate attitudes and behaviour in the training of entrepreneurs to stimulate high performance. Evidence was produced to show that some small and medium enterprises (SMEs) which were on the verge of collapsing/failing can be revived by training on aspects of 'attitude' and 'behaviour'. This paper demonstrated how an existing training on skills development can be improved by adding content that focuses on attitudes and behaviour to reduce their failure. The findings of this study have potential to enable business schools and colleges offering entrepreneurship courses to incorporate 'attitude' and 'behaviour' which could aid in the survival of the SMEs that are so critical for the economy of the country.

The study criticizes the way South Africa collects taxes from different segments of the population, primarily pensioners and workers with two sources of income. It also condemns the ineffective manner in which it administers some tax payouts, especially in the unfairness that has shown bias to some groups. Primarily, taxing of the pensioners is condemned, as well as the taxing of second earnings of employees, mainly where there were victims of the apartheid policies. The paper recommends taxing people with caution, in order not to perpetuate apartheid-initiated poverty of the South African masses of people, and in cases where earners who are being taxed could be having extra financial responsibilities. In order to resolve these problems, taxpayers and tax preparers should make sure that tax laws are applied correctly, that they are aware of the consequences of breaking the Generally Accepted Accounting Principles (GAAP), and that they routinely review and update their tax return positions in response to modifications to accounting standards and tax legislation.

The study investigated the shortages in a multimodal learning (MML) approach that was used in a science faculty of a selected higher education institution (HEI) in South Africa. The study population consisted of students of the science faculty. The sample consisted of students who willingly offered to participate after being informed of this study. A study questionnaire consisting of MML components was used to collect data. It was distributed by email as Google forms to students who had supplied their email addresses in acceptance of participating. Analysis of data consisted of graphs and measures in percentages to determine the level of how the students experienced the various MML components. The deficiency level was not too high, but the components that were missing were crucial to effect beneficial learning. The components missing in MML were found to be core components of a flipped classroom (FC). The paper recommended a move of MML closer to FC.

The paper developed a multilevel model (MLM) of postgraduate (PG) supervision to improve the academic publication and PG completion rate. Crowdsourcing essentials were used in the development of the model. The crowds consisted of the MLM made of students from Honours to doctoral levels. Teamwork was also implored, where the teams were level mates and supervisory teams. The simplest form of the model has the potential to generate over 65 academic manuscripts for journals. Monitoring of the supervision process can provide maximized completion of the PG research studies. Research capacity building would be effected for the doctoral and master's students making them able to supervise and co-supervise from Honours to doctoral levels upon completion of their studies. The study condemned the use of a single supervisor for several doctoral students. It recommended the implementation of the model (the MLM PG Supervision Framework). It further recommended that doctoral students should be assigned co-supervisors, preferably varied for different students, to enable diversity in the supervision experience.

This paper investigated the challenges that researchers in a health sciences university can experience, and ways to counterbalance the negative effects of these challenges. Focus was on the extent to which gatekeepers on higher education institutions (HEIs) can restrict research, and the way natural sciences researchers often experience gatekeeper biasness on denying them access as compared to the way health sciences researchers are treated. The method compared experiences of researchers for Master of Science (MSc) degrees in selected science subjects, and the projects undertaken by health sciences students. All the studies were based on students on campus as research subjects. The MSc ones were for students who were already academics teaching on campus. All the proposals received clearance certificates from the same ethics committee. Upon requiring the HEI registrar to grant permission to use the student as study participants, the health sciences were granted permission and the names of the students. For the science academics, they were denied permission to the student numbers, which were needed to request individual students to make on decisions whether they wanted to participate in the studies or not. Gatekeeping weaknesses were explored, and lawful interventions were used to collect research data. It was observed that in the science academic divisions of HEIs that are dominated by the health sciences, gatekeeper unfairness and power could offset creativities and innovations initiated by researchers. Recommendations have been made to limit this power.

The article aims to promote financial literacy among youngsters from low-income backgrounds, encouraging them to engage in cost-effective investments that will enable them to accumulate wealth in the future. The article outlines a novel approach in life skills that entails shifting away from relying on uncertain grants and supports. Instead, it proposes utilizing a straightforward and practical mathematical model to generate money starting from a young age. The authors demonstrate that by utilizing a highly efficient investing option, young children have the ability to generate substantial wealth. To exemplify, we demonstrate the suggested methodology utilizing sequences and summations. Our method/proposal facilitates the enhancement of boundless wealth generation by enabling those who can invest more than the minimum requirement to accumulate greater wealth. The efficacy assessment of the new method is validated through the computation of the smallest investment, which is merely symbolic, yet yields boundless financial outcomes. The study findings, which have the potential to enhance governmental decision-making, can also be utilized for personal betterment. This work is innovative as it presents an alternative approach that imparts discipline, consistency, and honesty. It allows individuals to easily adopt the model with appropriate adjustments, hence facilitating the creation of wealth.

This study focuses on understanding the reasons why the support programmes initiated to enhance the success of black-owned small and medium-sized enterprises (SMEs) have not shown the successes that were envisaged. Some government agencies are in charge of these programmes. The sampling frame consisted of previously assisted SMEs by the support agencies. SMEs were represented by high-ranking officials as study participants. There were signs that the support programmes were not effective in improving the SMEs. The responses indicated that the programmes' weakness can be attributed to the aid not being customized to the needs of the SMEs. There were training initiatives in some instances. According to the responses, the training was not based on the training needs of the SMEs. The SME practitioners, therefore, did not improve on their weaknesses. Finances that were given out as aid, according to the respondents, were dictated by the donor and did not allow flexibility according to the purchasing needs of the SMEs. Apparently, aid was in one form for all the SMEs. These supports ended up not helping to improve the SME. The paper recommended the customization of the aid to the needs of the SME.

The pricing of insurance premiums in the non-life insurance sector remains a challenging and complex task. It demands a delicate balance between accurately estimating risk exposure and ensuring profitability for insurers. Generalised Linear Regression Models (GLMs) have become the preferred methods for premium price modelling in the motor insurance sector. While the approach of using a single superior model on which predictions are based ignores the use of robust estimator models. This paper examines various methodologies and sheds light on superiority of twenty-two models compared to each other for pricing automobile insurance. These methods vary from traditional actuarial methods to the modern statistical models such as machine learning algorithms. By using archival technique, their inferiority and superiority are explored, considering the ever-changing landscape of risk factors and market dynamics. Furthermore, it highlights the potential benefits of leveraging these methods and the mechanism for pricing short-term insurance, particularly in motor vehicle insurance. It also develops a framework that can be used in pricing to cater to risk analysis constituents to mitigate uncertainties and provide good services to clients. Our findings show that ANN, NN, XGB, random forest (RF) are superior models, and we conclude that the modern statistical methods can accurately estimate the risk exposure as compared to traditional methods such as the GLMs.

This qualitative study aims to assess the value of e-health in rural areas of the Limpopo Province of South Africa. The study was meant to appraise the current state of e-health readiness in rural Limpopo areas and identify any barriers to effective health service delivery. Data were collected through interviews with rural health providers from the province. The study defined e-health as an approach in which health services can be provided comprehensively by using information and communication technologies (ICTs) in a more cost-effective, efficient, and quicker way than when manual methods are used. It then established that rural health in Limpopo is deficient and almost dysfunctional because of rural health in Limpopo is deficient and almost dysfunctional because of lacking infrastructure and other problems due to scarcity of resources. Transport and road conditions, as well as a lack of patient transport, made rural health services extremely poor. The study realised that by restructuring the rural health systems in the province, there are ample opportunities to enable e-health mode to rural health service. Therefore, the study recommended restructuring rural health and then introducing it.