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Business organisations operate in an environment that is dynamic, uncertain and increasingly complex, shaped by technological change, market competition, regulatory pressures, social expectations and global forces. While financial resources are essential for starting and sustaining enterprises, they alone are insufficient to prepare organisations to face environmental challenges. Non-financial resources play a critical role in building resilience, adaptability and long-term competitiveness, especially in the context of entrepreneurship where uncertainty is high and margins for error are small. One of the most important non-financial resources is human capital. The knowledge, skills, creativity and commitment of employees and entrepreneurs determine how effectively _________ _____ _____ _______ ______ _____.
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