Abstract:

This study examined the financial vulnerabilities and resilience strategies that shape the sustainability of micro-entrepreneurial livelihoods within the context of economic participation and work stability. Using an exploratory qualitative design, data were collected through semi-structured interviews with 20 micro-entrepreneurs in Jolo, Sulu, Philippines. Reflexive thematic analysis revealed that limited capital, unstable income, and absence of financial safety nets constrained business continuity and intensified psychological strain during early enterprise stages. Operational challenges, including limited managerial experience, difficulties in resource coordination, and workforce responsibilities, further affected stability and decision-making capacity. Despite these constraints, participants demonstrated adaptive responses through incremental market entry, disciplined financial monitoring, and flexible business strategies. Socially embedded support systems, particularly mentorship and family encouragement, played a significant role in strengthening confidence, guiding decision-making, and sustaining engagement in income-generating activities. The findings indicate that livelihood sustainability is shaped by the interaction of financial discipline, adaptive behavior, and access to support networks. These elements enabled micro-entrepreneurs to navigate uncertainty, maintain operational continuity, and uphold stable work conditions despite resource limitations. The study highlights the need to strengthen financial preparedness and expand access to entrepreneurial support systems to promote more stable and inclusive livelihood.