【正文】 it is bad debt culture, which we need to jight. United Merchant Bank (UMB) went under, it went down because people were not paying back, though the owner had wanted to help fellow indigenous people. Although some respondents held this view, it should be noted that nonpayment was not the only reason why UMB went into was established at the height ofindigenisation and by an indigenous entrepreneur. UMB considered itself a champion ofindigenisation and accused the traditional multinational banks of failing to support indigenous entrepreneurs. On a weekly basis, this bank advertised in the national press, the need to indigenise and made the accusations mentioned to UMB, the traditional banks39。 point of view, one of the reasons why enterprise development did not flourish in Zimbabwe was its national factors that make up the Zimbabwean national culture and have negatively affected enterprise development are: baddebt culture, absence of role models, let39。 knowledge and experience of with the research method, in presenting findings of this research, a summary of the respondents39。 Carson 2021). There was needed to get a different view from that of entrepreneurs, that is, those who supported the work of entrepreneurs (from financial anisations, development and training anisations and the government). These respondents had supported entrepreneurs through financing, training etc. for at least six years. All entrepreneurs interviewed were business people who had started and managed their enterprises for more than six years. Consistent with this research approach, facetoface indepth interviews were carried out using an interview guide. The interview guide was based on the themes that had been obtained from literature and needed further exploration. Respondents were asked to identify and discuss all factors they believed had negatively affected enterprise development in Zimbabwe. The collected data was analysed using the thematic analysis, as described by Miles and Huberman (1994), and Wengraf (2021). The research was conducted in two phases. The initial phase culminated in establishing a list of cultural factors that have affected enterprise development. After the first round ofinterviews with the 22 respondents, their responses were analysed. The results were then subjected to further scrutiny by nine respondents who had taken part in the first round of interviews, and who were hence familiar with this research and considered able to provide the sound scrutiny. Furthermore, a programme that was established to promote enterprise development was also evaluated as a way of triangulation. It was a way to find if there was any convergence on the cultural factors mentioned by the entrepreneurs as having negatively affected enterprise development and those that had affected the programme. Therefore, the second round ofinterviews and an evaluation of the enterprise developing programme were to provide further verification, a way of improving trustworthiness and rigour. The research methodology adopted allows the researcher to use tacit knowledge and experience throughout the process。 was triangulation (Remenyi, 1998。 Lincoln and Guba, 1990) of enterprise development in them were fifteen entrepreneurs and seven respondents whose occupations or activities supported entrepreneurs. The purpose for sampling the other seven39。elites39。 at the expense of their enterprises have difficulties in succeeding (Spring, 1998). In both developed and developing countries, some graduates dislike being associated with working for Small to Medium Enterprises (SMEs) and selfemployment. This makes it difficult for some countries to promote enterprise as it is not accepted by the very people who have the best capacity to succeed as business people and Morrison (2021) argues that formal education system is to be blamed for producing conformists and not entrepreneurs. To address this, Stevenson (1996) argues that entrepreneurship should be taught from a young age, in schools and colleges. Meyanathan (1994) demonstrated the difficulties in promoting enterprise in a country that favours a certain group of people over others。 Specht, 1993). Entrepreneurs who enjoy 39。 Nolan, 2021). Enterprise success has also been recorded in countries where there are role models who would inspire others (De Pillis, 1998). Role models can even be members of one39。 Wong 2021。 Morrison, 2021。 Morrison,2021). For example, it was believed that enterprise development success in USA was as a result of its culture that promotes individualism (De Pillis eta/, 1998。 Storey, 2021). As a result of the above reasons, both developing and developed countries have embraced enterprise development. Li ke many other countries, Zimbabwe has run enterprise development programmes, created and adopted policies aimed at creating a conducive environment for enterprise development. Unfortunately, the efforts to promote enterprise development in Zimbabwe have not been successful(Mlambo, 2021。 Chell, 1985。 Gnyawaii, 1994。 Guth, 2021). Hence, further research moved on to considering the environmental factors (political, cultural, economic, regulations and policies) that affect enterprise development. It was argued that countries desiring to promote enterprise development need to address these environmental factors (Telantino, 1995。 Bellu, 1988。spullhimdownsyndrome, dependency syndrome, high living, and absence of role models, refusal to accept entrepreneurship, employing relatives and poor quality goods and services. To promote enterprise development, countries need to identify factors that make up the national culture. The paper also identifies the desired enterprise culture. INTRODUCTION Earlier research on enterprise development mainly focused on the personal characteristics/traits of the individual, such