HOMELA, Slinganiso2025-08-262025https://research.unilus.ac.zm/handle/123456789/527Master of Business Administration General - DissertationThe research examines important elements which affect the development of Small and Medium Enterprises (SMEs) which belong to disabled persons operating within Lusaka, Zambia. The sector of disabled-owned SMEs plays an important role in economic development yet encounters multiple obstacles because of their limited access to credit facilities together with insufficient managerial skills coupled with poor infrastructure and ineffective government policies. The current research problem requires clear empirical understanding about essential growth drivers for these enterprises so necessary research must focus on enhancing enterprise sustainability. This study combined both quantitative and qualitative research methods within one approach. A total of 290 SME owners participated in survey assessments through designed questionnaires followed by qualitative data collection through fifteen semi structured interviews. The quantitative component reached representativeness through Stratified random sampling and additional depth came from Purposive sampling in the qualitative component. SPSS evaluated quantitative data using descriptive statistics as well as Pearson correlation tests and regression analysis and thematic analysis served to study qualitative data. The study demonstrates that restricted access to credit services presents major obstacles for business growth since numerous small enterprises fail to find economical financing options. The essence of their ability to compete effectively is limited by weaknesses in managerial capabilities alongside inadequate infrastructure. SMEs participating in government support schemes experience identifiable benefits from these programs. The study exposes three principal obstacles related to systemic limits and societal discrimination and policy mismatch which present new opportunities for digital inclusion and trained-specific educational programs. To boost the expansion of disability-owned SMEs there is an urgent need to resolve financial barriers along with flaws in infrastructure and develop managerial expertise and deploy disability-centered policies. The study proposes that giving targeted financial support and delivering training programs and implementing inclusive policy regulations should become the basis for action. The research supports establishment of an improved relationship between governmental institutions and NGOs to build an entrepreneurial support system. This study connects missing information to create practical guidance which policy creators and financial organizations and disability advocacy groups use to enhance economic growth including entrepreneurship opportunities for persons with disabilities. To enhance the growth of SMEs owned by persons with disabilities, targeted interventions are necessary. Expanding access to inclusive credit facilities through specialized financial products, financial literacy programs, and government-backed subsidies will enable disability-owned businesses to thrive. Additionally, improving managerial skills through accessible training, digital platforms, and mentorship programs can enhance business competitiveness. Addressing infrastructure and policy gaps, including investments in accessible facilities and stronger policy enforcement, will create a more enabling environment. Furthermore, refining government support programs, fostering market access, and encouraging innovation will strengthen business sustainability. A multi-stakeholder approach, involving governments, financial institutions, NGOs, and the private sector, is essential to drive systemic change and promote inclusive economic growth.enThesis