Financial Discipline Among Youth Entrepreneurs
While I agree that pressure from other competing needs and influence to (mis)use business finances is a major cause of financial indiscipline in enterprises, poor planning is the root cause of the problem. Of course an enterprenuer must cover personal expenses out of the business, since the goal of any business is to raise the living standards of the enterprenuer, but these should be planned expenses after doing the accounts and determining what the profit is.
The best way that facilitators can assist in this is by making sure that the enterprenuers are capacitated to establish what is "business money", "re-investment money", and "disposable profits"- speaking in lay man's language.
This way, the enterprenuers will know what to use and what to retain as business working capital