Financial inclusion and economic growth in Ghana
- Authors: Anane, Alexander Kwabena
- Date: 2019
- Subjects: Economic development -- Ghana
- Language: English
- Type: Thesis , Masters , MPhil
- Identifier: http://hdl.handle.net/10948/40210 , vital:35990
- Description: The relationship between financial inclusion and the growth of the economy is a topic of debate in the existing literature. Yet globally and at individual country level, policy makers have accepted financial inclusion as a developmental agenda. This study, therefore, empirically investigates the relationship between financial inclusion and economic growth in Ghana using quarterly time series data from 2005 to 2016. Employing the commonly used indicators, the ARDL bounds test with cointergration was applied to examine the short and the long run relationship between the variables. Furthermore, the Granger causality approach was also used to establish the direction between financial inclusion and economic growth in Ghana. The result of the findings confirmed mixed results and no clear cut relationship between the direction of causality between the indicators of financial inclusion and economic growth. The study concluded that whether financial inclusion positively or negatively impact economic growth rests on the indicators employed. The study therefore cautions in the choice of financial indicators as policy tools in designing and executing economic growth and development policies in Ghana.
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- Date Issued: 2019
On the development of ZnO nanorods on silicon substrate for light-emitting diode applications
- Authors: Djiokap, Stive Roussel Tankio
- Date: 2018
- Subjects: Zinc oxide , Chemical reactions , Compound semiconductors
- Language: English
- Type: Thesis , Doctoral , DPhil
- Identifier: http://hdl.handle.net/10948/29973 , vital:30802
- Description: The interest in zinc oxide (ZnO), a promising material for blue/ultraviolet light emitting devices, arises from its large exciton binding energy (60 meV). The main challenge associated with this promising compound semiconductor, however, arises from the difficulty to achieve stable and/or reproducible p-type doping. Since silicon (Si) technology still dominates the semiconductor industry, the objective of this thesis is to probe into the possibility of using ZnO nanorods (NRs) on p-type silicon for opto-electronic devices. ZnO NRs have been grown on seeded Si, as well as on nickel oxide (NiO) and aluminum nitride (AlN) coated Si, using a two-step chemical bath deposition (CBD) process. Various techniques, including X-ray diffraction (XRD), scanning electron microscopy (SEM), photoluminescence (PL) spectroscopy and transmission electron microscopy (TEM), have been used to characterize the samples. The electrical characteristics of the heterojunction between the substrate and the ZnO nanostructures were evaluated by current-voltage (I-V) and capacitance-voltage (C-V) measurements. SEM and XRD studies have confirmed that, irrespective of the orientation of the Si substrate (Si (100) and Si (111)), the two-step CBD process yielded NRs that crystallised in the wurtzite structure and exhibited a hexagonal shape. Most of the rods developed perpendicularly to the surface of the substrate, with the orientation and distribution of the rods dictated by the seed layer density. Similarly, irrespective of the substrate, the luminescence of the ZnO nanostructures is dominated by near band edge (NBE) emission in the UV region (~ 3.29 eV) and deep level emission (DLE) in the visible region (2 eV to 2.6 eV). Annealing at moderate temperatures (~ 300 °C) increased the NBE emission and decreased the DLE. The removal of surface adsorbed impurities and enhanced defect passivation by hydrogen are responsible for these changes. The diode characteristics of the ZnO/Si heterojunction was studied by I-V and C-V measurements. Rectification was observed when the Si substrate had a relatively low acceptor density of ~1016 cm-3, while diodes produced on substrate with p ~1018 cm-3 were ohmic. From the C-V analysis the donor density in the ZnO was deduced to be ~1018 cm-3. In the case of rectifying junctions, thermionic emission did not dominate the charge transport. The carrier transport mechanism was therefore probed by the temperature dependent I-V xiii measurements (100 K to 295 K). Defect-assisted multistep tunneling was deduced to dominate in the n-ZnO/p-Si diodes at low forward bias. The band alignment between n-ZnO and p-Si predicts a much smaller barrier for electrons than for holes at the interface, which results in recombination on the Si side of the junction for a forward-biased diode. NiO intermediate layers (formed on Si by the thermal oxidation of Ni) were used to reduce electron injection from ZnO into Si. Scanning probe microscopy (SPM) and XRD analysis showed that while the grain size of the poly-crystalline NiO increased with NiO film thickness, the orientation and distribution of the subsequently grown ZnO nanorods were unaffected by the underlying NiO layer. Also, the photoluminescence response of the ZnO rods remained unchanged. I-V measurements did illustrate rectifying behaviour, with both the forward and reverse currents strongly decreased due to the resistive nature of the NiO. In another attempt at confining electrons to the ZnO side of the junction, AlN-coated Si (111) was used as a substrate for ZnO nanorods. CBD parameters that normally yield nanorods resulted in a plate-like architecture of the ZnO. By modifying the ZnO seed density on the AlN/Si substrate, the rod-like morphology could be recovered. Both the forward and reverse current decreased in these diodes. From studies aimed at identifying the transport mechanism it was concluded that trap-assisted tunnelling, resulting from a high density of defects in the seed layer, dominates in these devices. In conclusion, while no ZnO electroluminescence could be achieved from any of the devices, this study provides insight into the transport mechanisms in n-ZnO/barrier/p-Si heterostructures and highlights the importance of the heterointerface quality for light emitting devices.
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- Date Issued: 2018
The effect of the relationship between traditional leaders and municipal councillors on service delivery: a case of Polokwane Local Municipality, Limpopo Province
- Authors: Ramolobe, Kutu Sam
- Date: 2018
- Subjects: Traditional government -- South Africa -- Limpopo , Municipal government -- South Africa -- Limpopo Municipal services -- South Africa -- Limpopo Local government -- South Africa -- Limpopo Municipal officials and employees -- South Africa -- Limpopo
- Language: English
- Type: Thesis , Masters , MPA
- Identifier: http://hdl.handle.net/10948/35103 , vital:33624
- Description: The study examined the effectiveness of the relationship between traditional leaders and municipal councillors regarding service delivery in Polokwane Local Municipality. The introduction of municipalities in rural areas brought about two kinds of leadership in rural communities, namely, traditional leaders and municipal councillors. Traditional leaders are representatives of their traditional communities and municipal councillors are elected to represent the municipality in traditional communities. The problem for the research deals with the relationship between traditional leaders and municipal councillors and the effect it has on service delivery. The role and place of the institution of traditional leadership in democratic local government system have been fraught with tension, confusion and contradictory practices. The Constitution of the South Africa 1996 is not clear on the role of traditional leaders in local government although section 156 defines the powers and functions of elected councillors, which largely overlaps with those exercised by traditional leaders. The difficulties encountered in the relationship between traditional leaders and municipal councillors and challenges that contribute to service delivery in local government were analysed. The desktop analysis method was applied by the study to collect information from the municipal documents that incorporated the nature and place of traditional leaders in local government municipality, and the pieces of legislation that focuses on the affairs of local government. The data collected was analysed by use of a qualitative approach. Polokwane Local Municipality is predominantly rural including considerable land under traditional authority. The analysis of data indicate that municipal council are required to consult traditional leaders in matters of local government. What is not clear is whether the traditional leaders form part of decision making. The study recommends a clear specification of the roles of traditional leaders in Polokwane Local Municipality.
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- Date Issued: 2018
Analysis of calendar effects and market anomalies on the Johannesburg Stock Exchange
- Authors: Atsin, Achiapo Jessica Lisette
- Date: 2015
- Subjects: Stock exchanges -- South Africa -- Johannesburg , Stocks -- South Africa
- Language: English
- Type: Thesis , Masters , MCom
- Identifier: vital:9028 , http://hdl.handle.net/10948/d1020372
- Description: This study sought to empirically investigate the existence of calendar effects and market anomalies on the JSE using monthly and daily closing prices of the ALSI, Top 40, Mid Cap and Small Cap index; as well as, daily closing prices on the Value, Growth and Dividend Plus index during the sample period 2002 – 2013. The anomalies analysed are the January effect, the weekend effect, the size effect, the value effect, and the dividend yield effect. The empirical analysis uses a number of MSAR with a different number of regimes and lag orders. The results from the investigation of the January effect show the non-existence of the January effect and the value effect on the JSE during the periods 2002 – 2013 and 2004 – 2013, respectively. However, the weekend effect was found significant in the Mid Cap and the Small Cap index, and the size effect was also found significant during the same period 2002 - 2013. Finally the results from a Granger causality test concluded that there is a relationship between the returns on the Dividend Plus index and the ALSI, effectively proving the existence of the dividend yield effect on the JSE between 2006 and 2013. Additionally, the anomalies found imply the opportunity for investors to make returns above buy-and-hold.
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- Date Issued: 2015
Evaluating current energy management strategy : case study of an automotive manufacturer in the Eastern Cape
- Authors: Mahlati, Andile
- Date: 2012
- Subjects: Power resources -- South Africa -- Eastern Cape – Management , Power resources -- Economic aspects -- South Africa -- Eastern Cape , Fossil fuels -- South Africa -- Eastern Cape , Greenhouse gases -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:8803 , http://hdl.handle.net/10948/d1017152
- Description: Historically, the most frequently used energy sources have been those nearest and easiest to consume. Unfortunately, society’s reliance on fossil fuel for power generation has occurred at the expense of the environment, coal being a major contribution to carbon dioxide (CO2) emission. Carbon dioxide is classified as a greenhouse gas (GHG); it contributes to the phenomenon of climate change (Haw & Hughes, 2007, p.1). According to Worrell (2011), industry uses nearly 40 percent of worldwide energy on economic activities. Value chain activities alone contribute almost 37 percent to global GHG. Organisations are socially and ethically required to minimise the carbon footprint of their operations. Reducing energy use makes perfect business sense; it saves money, enhances corporate reputations and helps everyone participate the fight against climate change (Carbon Trust, 2011). Gielen, Newman, and Patel (2008) strongly believe the overall energy and emissions trends can be mitigated through additional energy efficiency measures. However, implementing EnMS will enable organisations to establish systematic approaches and the processes necessary to improve energy performance, including energy efficiency, use and consumption (SANS 50001, 2011). The objective of this paper was to evaluate the current energy management strategy adopted by selected automotive manufacture in Eastern Cape. The research was motivated by the fact that previous researchers have focused more on technological aspects and less of management functions. The research paradigm followed in this paper was qualitative because a case study is used to gain an insight and understanding about more and less successful energy management strategies. In this report, background about the global energy outlook and its significant to economic development, factors behind energy demands, the link to climate change and providing effective energy management principles are covered. The energy management principles covered key elements for delivering successful energy management. Literature highlighted that, senior management commitment is the foundation of good energy management, which is delivered through a formal energy policy and a supporting energy strategy with action plan. High level commitment will provide: Advocacy from senior managers; Visibility of the issues across your organization; Impetus for the organisation to implement energy management; Resources, both human and financial. It will also demonstrate that good energy management is part of your organisation’s mission and as relevant as other management aspects. The empirical study is focused on the characteristics of the current management system and organisational structure employed with its relevant functions. Based on these reference points the paper concludes with recommendations for the case study organisation.
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- Date Issued: 2012
The impact of retirement planning and education on retiree's UFE satisfaction
- Authors: Prinsloo, Harold
- Date: 2009
- Subjects: Retirement -- South Africa , Retirement -- South Africa -- Planning
- Language: English
- Type: Thesis , Masters , MBA
- Identifier: vital:8674 , http://hdl.handle.net/10948/1162 , Retirement -- South Africa , Retirement -- South Africa -- Planning
- Description: Employees who plan for retirement can contribute meaningfully towards building a sustained quality of life during retirement. The lack of pre-retirement planning and education, however, “weakens” an individual’s life satisfaction. The aim of this study was to explore and describe the impact retirement planning and education has on retiree’s UFE satisfaction and to determine overall individual quality of life. This research firstly discusses retirement, or the prospect of giving up work. The research study points to the fact that an overwhelming amount of research shows that retirement, as a social phenomenon cannot be understood except in the context of work, because the meaning of retirement is largely an outgrowth of the meaning of work. The study further suggests that the transition from work to retirement can be eased through planning. Beginning to plan for retirement several years before retirement is anticipated is helpful. The study points to quality of life as a multi-dimensional concept that refers to an individual’s overall life satisfaction and total well-being. The findings discussed in Chapter Five indicate a reasonable level of retirement planning and education amongst retiree’s who participated in the survey. Recommendations from the study indicated a need for individual counseling during retirement planning and education workshops.
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- Date Issued: 2009
The sense of coherence and coping resources of adult family caregivers of HIV/AIDS patients in the Kwazakhele area of Port Elizabeth
- Authors: Naidoo, Sherina
- Date: 2009
- Subjects: AIDS (Disease) -- Patients -- Family relationships , Caregivers -- Family relationships , AIDS (Disease) -- Patients -- Medical care -- South Africa
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9902 , http://hdl.handle.net/10948/1021 , AIDS (Disease) -- Patients -- Family relationships , Caregivers -- Family relationships , AIDS (Disease) -- Patients -- Medical care -- South Africa
- Description: Human Immune Deficiency Virus (HIV), which results in Acquired Immune Deficiency Syndrome (AIDS), has many manifestations. Literature reveals that some of these manifestations may compromise the infected individual’s sense of well-being and negatively impact on health related quality of life. As the number of people living with HIV/AIDS disease grows, so does the need for their care. In the early days of the AIDS epidemic, care was primarily handled by special agencies, hospitals and clinics. These agencies have been inundated with the demands of people living with HIV/AIDS, while their resources are shrinking. As it stands now, the total assistance given to people living with HIV/AIDS is provided by relatives and this responsibility of caregiving will more increasingly rest with families. This situation is particularly salient for the rural community in South Africa, which has been disproportionately affected by the AIDS epidemic. AIDS has a tremendous impact on the entire family system, particularly on the individual who has primary responsibility for caregiving. The caregiver must cope with many circumstances that are frustrating and often beyond their control. Caring for a Person Living with HIV/AIDS (PLWHA) appears to be a major stressor in the lives of caregivers, and can be very demanding, impacting on carers financially, physically, emotionally and socially. Given the lack of research on HIV/AIDS family caregiving from a salutogenic approach, this study aimed to explore and describe the sense of coherence and coping of family caregivers of HIV/AIDS patients in the Kwazakhele area in Port Elizabeth. The sample consisted of 50 participants aged between 21 and 65 years, recruited via the Kwazakhele Masizakhe Project. An exploratory-descriptive design was employed. Data was obtained by a biographical questionnaire, the Coping Resources Inventory (CRI) and the Sense of Coherence (SOC-29) Questionnaire. A non-probability convenience sample of adult male and female family caregivers were sampled. Descriptive statistics and correlation coefficients were utilized to describe and explore the coping and sense of coherence of the family caregivers and the correlation between these constructs, respectively. The data obtained from the biographical questionnaire was analysed by using descriptive statistics and frequency counts. Key findings include the following: Results from the coping resources measure indicated that this sample perceived themselves as having an average level of coping resources. The sample tended to rely more readily on spiritual resources and less on cognitive resources. Results from the SOC-29 revealed fairly high mean scores. There is no positive relationship between the SOC-29 and the CRI for the current sample. No significant relationship existed between the SOC and the subscales of the CRI. Suggestions are made for future research, the limitations and value of research were outlined.
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- Date Issued: 2009