Financial Innovation and Resilience: Transforming Zambian MSMEs through Microfinance and Public-Private Partnerships
Journal of Emerging Markets and Management · 15–26 · 10.63385/jemm.v2i1.218
Micro, Small, and Medium Enterprises (MSMEs) are the unequivocal cornerstone of the Zambian economy, constituting over 70% of GDP and nearly 90% of national employment. However, their immense potential is critically constrained by perennial challenges, including acute financing gaps, pervasive low financial literacy, and pronoun


