By Perfect Fafa Wegba Limited capital and an unsuitable business location are among the major challenges confronting Esther Grant, a mobile money vendor in Pantang Village, Accra, as she seeks to expand a business she started with GH¢2,000. Although Grant says the business has recorded significant improvement since its establishment, she believes her limited working capital continue to limit the growth of her business. She also considers her current location less favourable, saying a better location could have created greater opportunities for the busines. It is therefore obvious that the challenge is no longer simply about starting a business. It is about finding the resources and conditions needed to expand and build on the progress already made. Her situation reflects a challenge faced by many small-business owners with limited capital and must depend on gradual growth to sustain their operations. A difficult beginning Grant's journey, just like many entrepreneurs starting with ...