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In developing countries, informal construction artisans are vital to economic growth. Governments encourage enrolment into micro health insurance schemes to sustain artisans’ well-being and achieve universal health coverage. The peculiarity associated with the informal construction artisans may hinder the scheme enrolment, particularly in Nigeria. It may threaten to improve achieving sustainable development goal 3 (good health and well-being). This study investigated the level of awareness and causes and suggested measures to improve micro health insurance policy enrolment for construction artisans in the informal sector and, by extension, improve the achievement of Goal 3.

This study adopted face-to-face interviews to collect data in Lagos and Benin City, Nigeria. The researchers engaged 40 participants and achieved saturation at the 35th participant. The researchers manually analysed the collected data and reported the findings using the thematic approach.

Results showed low enrolment of informal sector construction artisans into micro health insurance schemes and identified the contributory factors. This includes poor awareness and poor funding of micro health insurance schemes, lax expertise and understanding of the micro insurance market space, extreme poverty, poor medical services, uneducated clients/customers/consumers, etc.

As part of the study’s implications, it recommends that the government invest more in social health for the informal sector’s low-income earners to enhance accomplishing universal health coverage and, by extension, improve achieving Goal 3. This study may stir policymakers to call for a review of the National Health Insurance Authority Act 2022 with implementable and enforceable clauses to reduce uninsured informal sector construction artisans.

This paper aims to explore sociocultural factors as determinants of entrepreneurial emergence and to examine their relative influence (i.e. the influence of each factor) on entrepreneurial emergence.

A survey design with a questionnaire instrument administered to 250 business owners selected randomly from a cross section of businesses was used. The data were analyzed using the descriptive method, pairwise comparison, Kendall’s W test and Mean Rank Statistics.

This study showed that the level of influence of sociocultural factors on the decision to own a business by an individual in Africa varies by factor. Family background is the factor that has the highest influence, whereas religious values has the least influence. Altogether, nine most significant factors influence the choice of business ownership in Nigeria and in Africa generally. These include family background, unemployment, family values, inadequate income, job displacement, stock of social capital, role models, social networks and lack of social security, in that order.

Although some scholars may have explored sociocultural factors as determinants of entrepreneurial emergence, there is no study on their relative influence on entrepreneurial emergence, at least not in the context of Africa or Nigeria in particular. This study extends previous studies by examining the relative influence of the factors, using Nigeria as a reference for Africa. A focus on their relative influence is a new perspective on the study of sociocultural factors as determinants of entrepreneurial emergence.