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Micro and Small Enterprises (MSEs) play an important role in economic growth, employment generation, and industrial development. However, these enterprises often face significant challenges in providing effective training and development to their employees. Training and development are essential for improving employee skills, enhancing productivity, and maintaining competitiveness in the market. Despite its importance, MSEs encounter several obstacles that limit their ability to implement systematic training programs. One of the major obstacles is the lack of financial resources. Micro and small enterprises usually operate with limited capital and tight budgets. Their primary focus is often on meeting operational expenses such as raw materials, wages, and utilities. As a result, allocating funds for _______ ______ ______ _____ _______ ____ ___ __________ _______ __________ ___ _______.
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