Credit risk management impact on loan performance in development finance institutions in South Africa
- Lekhelebana, Letlatsa George
- Authors: Lekhelebana, Letlatsa George
- Date: 2022-04
- Subjects: Development finance institutions , Credit -- Management -- South Africa
- Language: English
- Type: Doctoral's theses , text
- Identifier: http://hdl.handle.net/10948/57698 , vital:58217
- Description: Development Finance Institutions ( play an important role in being a catalyst for economic development and growth where they operate. TUHF Group operates as a niche commercial property D FI funding entrepreneurs that seek to bring to market properties that deliver multi let housing units. This also deals with the pro blem of the lack of housing that South Africa has. For DFIs to operate optimally and be financially sustainable , they need to source funding from either shareholders or the financial markets. Financial markets require that the DFIs operate in a profitable manner to qualify for funding and this is also driven by the way the DFI manages the loan book’s integrity. This study examines the relationship between credit risk management policy, processes and procedures in practice and the TUHF Group and their impa ct on the performance of the loan book. In order that the research aim and objectives are fulfilled, and the research question answered, the study undertook an extensive review of existing literature on DFIs, the impact on economic development and growt h, the impact of badly performing loan books on the performance of companies and how this is impacted on by credit management structures, policies and procedures. An empirical study was conducted through the collection of primary data from the internal doc uments at TUHF Group and among some of the staff members at TUHF through a structured interviews based on open ended questions. The research revealed that there is indeed a link between the credit risk management processes and procedures at TUHF and the performance of the loan book, the findings indicated that the current policy and procedures is not sufficient for a well performing loan book and the pr imary data showed worsening performance of the loan book over time. These findings further indicate a requirement for TUHF to improve the credit policies and architecture for a sustainable financial performance in future. , Thesis (MA) -- Faculty of Business and Economic science, 2022
- Full Text:
- Date Issued: 2022-04
- Authors: Lekhelebana, Letlatsa George
- Date: 2022-04
- Subjects: Development finance institutions , Credit -- Management -- South Africa
- Language: English
- Type: Doctoral's theses , text
- Identifier: http://hdl.handle.net/10948/57698 , vital:58217
- Description: Development Finance Institutions ( play an important role in being a catalyst for economic development and growth where they operate. TUHF Group operates as a niche commercial property D FI funding entrepreneurs that seek to bring to market properties that deliver multi let housing units. This also deals with the pro blem of the lack of housing that South Africa has. For DFIs to operate optimally and be financially sustainable , they need to source funding from either shareholders or the financial markets. Financial markets require that the DFIs operate in a profitable manner to qualify for funding and this is also driven by the way the DFI manages the loan book’s integrity. This study examines the relationship between credit risk management policy, processes and procedures in practice and the TUHF Group and their impa ct on the performance of the loan book. In order that the research aim and objectives are fulfilled, and the research question answered, the study undertook an extensive review of existing literature on DFIs, the impact on economic development and growt h, the impact of badly performing loan books on the performance of companies and how this is impacted on by credit management structures, policies and procedures. An empirical study was conducted through the collection of primary data from the internal doc uments at TUHF Group and among some of the staff members at TUHF through a structured interviews based on open ended questions. The research revealed that there is indeed a link between the credit risk management processes and procedures at TUHF and the performance of the loan book, the findings indicated that the current policy and procedures is not sufficient for a well performing loan book and the pr imary data showed worsening performance of the loan book over time. These findings further indicate a requirement for TUHF to improve the credit policies and architecture for a sustainable financial performance in future. , Thesis (MA) -- Faculty of Business and Economic science, 2022
- Full Text:
- Date Issued: 2022-04
Evaluation of the extent of the public programming by Eastern Cape Provincial Archives and Records Services
- Tshebi, Siyathemba Mboneleli https://orcid.org/0000-0003-2833-9842
- Authors: Tshebi, Siyathemba Mboneleli https://orcid.org/0000-0003-2833-9842
- Date: 2022
- Subjects: Grahamstown (South Africa) , Eastern Cape (South Africa) , South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/27663 , vital:69381
- Description: Public programming initiatives are an integral part of archival operations worldwide as they support the greater use of archival records by attracting prospective users and sponsors. Public programming comprises a sequence of strategies for publicizing and marketing archives to the public, which are crucial in archival operations as they promote better use of archives and records. South African National Archives and Records. Services depends on provisions of the National Archives of South Africa Act of 1996 in its strive to promote access and use of archives as sources of information. . unknown and therefore not used to their maximal utility value, likely due to low-key and ineffective archival public programming initiatives. Consequently, the primary purpose of this research study was to evaluate the extent of public programming strategies used by the Eastern Cape Provincial Archives and Records Services (EAPARS). The study used a mixed-method, embracing qualitative and quantitative research approaches. As an integrated record-keeping framework, Record Continuum was used as a theoretical framework to guide the study. Sixteen copies of questionnaire were distributed among staff and users ECPARS. The research uncovered that ECPARS does not have specific regulations and policies on public programming, but relies on the more general provisions of the Provincial Archives and Records Services Act of 1996 as a guiding instrument in executing its public programming operations. The study further revealed various factors, such as the limited budget and inadequate staff, as key hindering factors in the smooth execution of archival public programming plans by ECPARS. The study recommends a review and update by ECPARS of how it can specifically effectively implement the provisions of the 1996 Act to the modern ways of taking public archives to the people. The research also recommends that ECPARS engage additional staff or outsourced services to strengthen its the public programming of its archival resources and services workforce for Eastern Cape Provincial Archives and Records. The study concludes that improved financial resources, use of ICTs, and coherent policy framework, and public awareness creation and education can facilitate better to acquire, widen access to use of its archives. Keyword , Thesis (MLIS) -- Faculty of Social Sciences and Humanities, 2022
- Full Text:
- Date Issued: 2022
- Authors: Tshebi, Siyathemba Mboneleli https://orcid.org/0000-0003-2833-9842
- Date: 2022
- Subjects: Grahamstown (South Africa) , Eastern Cape (South Africa) , South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/27663 , vital:69381
- Description: Public programming initiatives are an integral part of archival operations worldwide as they support the greater use of archival records by attracting prospective users and sponsors. Public programming comprises a sequence of strategies for publicizing and marketing archives to the public, which are crucial in archival operations as they promote better use of archives and records. South African National Archives and Records. Services depends on provisions of the National Archives of South Africa Act of 1996 in its strive to promote access and use of archives as sources of information. . unknown and therefore not used to their maximal utility value, likely due to low-key and ineffective archival public programming initiatives. Consequently, the primary purpose of this research study was to evaluate the extent of public programming strategies used by the Eastern Cape Provincial Archives and Records Services (EAPARS). The study used a mixed-method, embracing qualitative and quantitative research approaches. As an integrated record-keeping framework, Record Continuum was used as a theoretical framework to guide the study. Sixteen copies of questionnaire were distributed among staff and users ECPARS. The research uncovered that ECPARS does not have specific regulations and policies on public programming, but relies on the more general provisions of the Provincial Archives and Records Services Act of 1996 as a guiding instrument in executing its public programming operations. The study further revealed various factors, such as the limited budget and inadequate staff, as key hindering factors in the smooth execution of archival public programming plans by ECPARS. The study recommends a review and update by ECPARS of how it can specifically effectively implement the provisions of the 1996 Act to the modern ways of taking public archives to the people. The research also recommends that ECPARS engage additional staff or outsourced services to strengthen its the public programming of its archival resources and services workforce for Eastern Cape Provincial Archives and Records. The study concludes that improved financial resources, use of ICTs, and coherent policy framework, and public awareness creation and education can facilitate better to acquire, widen access to use of its archives. Keyword , Thesis (MLIS) -- Faculty of Social Sciences and Humanities, 2022
- Full Text:
- Date Issued: 2022
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