Molecular Detection of Antibiotic-Resistant Genes in Pseudomonas aeruginosa from Nonclinical Environment: Public Health Implications in Mthatha, Eastern Cape Province, South Africa
- Mojisola Clara Hosu, Sandeep Vasaikar, Grace Emily Okuthe, Teke Apalata
- Authors: Mojisola Clara Hosu , Sandeep Vasaikar , Grace Emily Okuthe , Teke Apalata
- Date: 5 January 2021
- Subjects: Microbiology
- Language: English
- Type: Journal Article
- Identifier: http://hdl.handle.net/11260/2417 , vital:41877
- Description: Evaluation of resistant profiles and detection of antimicrobial-resistant genes of bacterial pathogens in the nonclinical milieu is imperative to assess the probable risk of dissemination of resistant genes in the environment. .is paper sought to identify antibiotic-resistant genes in Pseudomonas aeruginosa from nonclinical sources in Mthatha, Eastern Cape, and evaluate its public health implications. Samples collected from abattoir wastewater and aquatic environment were processed by membrane filtration and cultured on CHROMagarTM Pseudomonas medium. Species identification was performed by autoSCAN-4 (Dade Behring Inc., IL). Molecular characterization of the isolates was confirmed using real-time polymerase chain reaction (rPCR) and selected isolates were further screened for the possibility of harboring antimicrobial resistance genes. Fifty-one Pseudomonas species were recovered from abattoir wastewater and surface water samples, out of which thirty-six strains were Pseudomonas aeruginosa (70.6%). .e P. aeruginosa isolates demonstrated resistance to aztreonam (86.1%), ceftazidime (63.9%), piperacillin (58.3%), cefepime (55.6%), imipenem (50%), piperacillin/tazobactam (47.2%), meropenem (41.7%), and levofloxacin (30.6%). Twenty out of thirty-six P. aeruginosa displayed multidrug resistance profiles and were classified as multidrug-resistant (MDR) (55.6%). Most of the bacterial isolates exhibited a high Multiple Antibiotic Resistance (MAR) Index ranging from 0.08 to 0.69 with a mean MAR index of 0.38. In the rPCR analysis of fifteen P. aeruginosa isolates, 14 isolates (93.3%) were detected harboring blaSHV, six isolates (40%) harbored blaTEM, and three isolates (20%) harbored blaCTX-M, being the least occurring ESBL. Results of the current study revealed that P. aeruginosa isolates recovered from nonclinical milieu are resistant to frontline clinically relevant antipseudomonal drugs. .is is concerning as it poses a risk to the environment and constitutes a public health threat. Given the public health relevance, the paper recommends monitoring of multidrug-resistant pathogens in effluent environments.
- Full Text:
- Authors: Mojisola Clara Hosu , Sandeep Vasaikar , Grace Emily Okuthe , Teke Apalata
- Date: 5 January 2021
- Subjects: Microbiology
- Language: English
- Type: Journal Article
- Identifier: http://hdl.handle.net/11260/2417 , vital:41877
- Description: Evaluation of resistant profiles and detection of antimicrobial-resistant genes of bacterial pathogens in the nonclinical milieu is imperative to assess the probable risk of dissemination of resistant genes in the environment. .is paper sought to identify antibiotic-resistant genes in Pseudomonas aeruginosa from nonclinical sources in Mthatha, Eastern Cape, and evaluate its public health implications. Samples collected from abattoir wastewater and aquatic environment were processed by membrane filtration and cultured on CHROMagarTM Pseudomonas medium. Species identification was performed by autoSCAN-4 (Dade Behring Inc., IL). Molecular characterization of the isolates was confirmed using real-time polymerase chain reaction (rPCR) and selected isolates were further screened for the possibility of harboring antimicrobial resistance genes. Fifty-one Pseudomonas species were recovered from abattoir wastewater and surface water samples, out of which thirty-six strains were Pseudomonas aeruginosa (70.6%). .e P. aeruginosa isolates demonstrated resistance to aztreonam (86.1%), ceftazidime (63.9%), piperacillin (58.3%), cefepime (55.6%), imipenem (50%), piperacillin/tazobactam (47.2%), meropenem (41.7%), and levofloxacin (30.6%). Twenty out of thirty-six P. aeruginosa displayed multidrug resistance profiles and were classified as multidrug-resistant (MDR) (55.6%). Most of the bacterial isolates exhibited a high Multiple Antibiotic Resistance (MAR) Index ranging from 0.08 to 0.69 with a mean MAR index of 0.38. In the rPCR analysis of fifteen P. aeruginosa isolates, 14 isolates (93.3%) were detected harboring blaSHV, six isolates (40%) harbored blaTEM, and three isolates (20%) harbored blaCTX-M, being the least occurring ESBL. Results of the current study revealed that P. aeruginosa isolates recovered from nonclinical milieu are resistant to frontline clinically relevant antipseudomonal drugs. .is is concerning as it poses a risk to the environment and constitutes a public health threat. Given the public health relevance, the paper recommends monitoring of multidrug-resistant pathogens in effluent environments.
- Full Text:
VIVA Comrade Moss
- NUMSA
- Authors: NUMSA
- Date: 25 April
- Subjects: NUMSA
- Language: English
- Type: text
- Identifier: http://hdl.handle.net/10962/109640 , vital:33163 , SALHA 14b : NUMSA
- Description: The last 'Trial Update" reported on Comrade Moss’s case until mid-March. This report covers the period from that time up until 25th April.STADLER - "ANC EXPERT" Brigadier Stadler testified that the ANC had made certain calls to organisations within the country which, according to his "research", had been followed by organisations in the country. As examples he gave the ANC’s call for ungovernability, the formation of organs of people’s power and the destruction of town councils. During cross-examination Stadler conceded that he was not able to give examples of any direct link between the ANC and organisations inside the coutry but he said an inference could be drawn by looking at the ANC’s call and the behaviour of organisations inside the country.
- Full Text:
- Date Issued: 25 April
- Authors: NUMSA
- Date: 25 April
- Subjects: NUMSA
- Language: English
- Type: text
- Identifier: http://hdl.handle.net/10962/109640 , vital:33163 , SALHA 14b : NUMSA
- Description: The last 'Trial Update" reported on Comrade Moss’s case until mid-March. This report covers the period from that time up until 25th April.STADLER - "ANC EXPERT" Brigadier Stadler testified that the ANC had made certain calls to organisations within the country which, according to his "research", had been followed by organisations in the country. As examples he gave the ANC’s call for ungovernability, the formation of organs of people’s power and the destruction of town councils. During cross-examination Stadler conceded that he was not able to give examples of any direct link between the ANC and organisations inside the coutry but he said an inference could be drawn by looking at the ANC’s call and the behaviour of organisations inside the country.
- Full Text:
- Date Issued: 25 April
Morphology, histology and histochemistry of the digestive tract of the Banded tilapia, Tilapia sparrmanii (Perciformes: Cichlidae)
- Grace E. Okuthe, Bongile Bhomela
- Authors: Grace E. Okuthe , Bongile Bhomela
- Date: December 23, 2020
- Subjects: Fish, gastrointestinal tract, histo-architecture
- Language: English
- Type: Journal Article
- Identifier: http://hdl.handle.net/11260/2425 , vital:41881
- Description: ABSTRACT. This study described anatomical, histological and histochemical features of the mucosal layer of the digestive tract of Tilapia sparrmanii Smith, 1840, an omnivorous freshwater fish endemic to Southern Africa. This species exhibited a short thick oesophagus with long deep longitudinal folds (466.68 ± 16.91 µm), and a thick (173.50 ± 10.92 µm) muscular layer that allow the passage of large food items. The mucosa was lined with stratified secretory epithelium rich in goblet cells that secreted neutral and acid mucins. The stomach was a sac-like structure with simple tubular glands surrounded by connective tissue. The mucosa was lined with simple columnar epithelium and the lamina propria exhibited a well-developed layer of gastric glands that occupied the entire length of the cardio-fundic region. The stomach mucosa consisted of epithelial cells with intense neutral mucin secretion which protects against gastric juice. Neck cells of gastric glands synthesized neutral and acid mucins. The intestine was highly coiled and presented a complex pattern of transversal folds internally (villi). Villi length decreased progressively from the anterior to the posterior intestine (p < 0.0001). Tunica muscularis of the mid-intestine had the thinnest thickness among all parts of the intestine (p < 0.0001). Goblet cells whose numbers increased towards the rectum secreted both acid and neutral mucins. The results indicate structural similarities of T. sparrmanii GIT with other tilapia species and will be useful for understanding the physiology of the digestive systems as well as functional components of the GIT.
- Full Text:
- Authors: Grace E. Okuthe , Bongile Bhomela
- Date: December 23, 2020
- Subjects: Fish, gastrointestinal tract, histo-architecture
- Language: English
- Type: Journal Article
- Identifier: http://hdl.handle.net/11260/2425 , vital:41881
- Description: ABSTRACT. This study described anatomical, histological and histochemical features of the mucosal layer of the digestive tract of Tilapia sparrmanii Smith, 1840, an omnivorous freshwater fish endemic to Southern Africa. This species exhibited a short thick oesophagus with long deep longitudinal folds (466.68 ± 16.91 µm), and a thick (173.50 ± 10.92 µm) muscular layer that allow the passage of large food items. The mucosa was lined with stratified secretory epithelium rich in goblet cells that secreted neutral and acid mucins. The stomach was a sac-like structure with simple tubular glands surrounded by connective tissue. The mucosa was lined with simple columnar epithelium and the lamina propria exhibited a well-developed layer of gastric glands that occupied the entire length of the cardio-fundic region. The stomach mucosa consisted of epithelial cells with intense neutral mucin secretion which protects against gastric juice. Neck cells of gastric glands synthesized neutral and acid mucins. The intestine was highly coiled and presented a complex pattern of transversal folds internally (villi). Villi length decreased progressively from the anterior to the posterior intestine (p < 0.0001). Tunica muscularis of the mid-intestine had the thinnest thickness among all parts of the intestine (p < 0.0001). Goblet cells whose numbers increased towards the rectum secreted both acid and neutral mucins. The results indicate structural similarities of T. sparrmanii GIT with other tilapia species and will be useful for understanding the physiology of the digestive systems as well as functional components of the GIT.
- Full Text:
Erythrina caffra - kaffirboom
- Authors: Skead, C J (Cuthbert John)
- Date: 23-08-1959
- Subjects: Erythrina caffra - South Africa -- Photographs , Trees -- South Africa -- Photographs
- Language: English
- Type: mixed material , photographs , landscape photographs
- Identifier: http://hdl.handle.net/10962/119690 , vital:34772
- Description: Caption "In Woodlands forest between King Williams Town and Stutterheim. 23-09-1959.”
- Full Text: false
- Date Issued: 23-08-1959
- Authors: Skead, C J (Cuthbert John)
- Date: 23-08-1959
- Subjects: Erythrina caffra - South Africa -- Photographs , Trees -- South Africa -- Photographs
- Language: English
- Type: mixed material , photographs , landscape photographs
- Identifier: http://hdl.handle.net/10962/119690 , vital:34772
- Description: Caption "In Woodlands forest between King Williams Town and Stutterheim. 23-09-1959.”
- Full Text: false
- Date Issued: 23-08-1959
The prevalence of insufficient iodine intake in pregnancy in Africa: Protocol for a systematic review and meta-analysis
- Charles Bitamazire Businge, Benjamin Longo-Mbenza, Andre Pascal Kengne
- Authors: Charles Bitamazire Businge , Benjamin Longo-Mbenza , Andre Pascal Kengne
- Date: 22-8-2019
- Language: English
- Type: text , article
- Identifier: http://hdl.handle.net/11260/3387 , vital:43338 , https://systematicreviewsjournal.biomedcentral.com/articles/10.1186/s13643-019-1092-7#citeas
- Description: Background: Insufficient iodine intake in pregnancy is associated with many adverse pregnancy outcomes. About 90% of African countries are at risk of iodine deficiency due to poor soils and dietary goitrogens. Pregnancy predisposes to insufficient iodine nutrition secondary to increased physiological demand and increased renal loss. Iodine deficiency is re-emerging in countries thought to be replete with pregnant women being the most affected. This review seeks to identify the degree of iodine nutrition in pregnancy on the entire African continent before and after the implementation of national iodization programmes. Methods: A systematic search of published literature will be conducted for observational studies that directly determined the prevalence of insufficient iodine intake among pregnant women in Africa. Electronic databases and grey literature will be searched for baseline data before the implementation of population-based iodine supplementation and for follow-up data up to December 2018. Screening of identified articles and data extraction will be conducted independently by two investigators. Risk of bias and methodological quality of the included studies will be assessed using a risk of bias tool. Appropriate meta-analytic techniques will be used to pool prevalence estimates from studies with similar features, overall and by major characteristics including the region of the study, time period (before and after implementation of iodization programmes), sample size and age. Heterogeneity of the estimates across studies will be quantified and publication bias investigated. This protocol is reported according to Preferred Reporting Items for Systematic reviews and Meta-Analysis protocols (PRISMA-P) 2015 guidelines. Discussion This review will help ascertain the impact of national iodization programmes on the iodine nutrition status in pregnancy in Africa and advise policy on the necessity for monitoring and mitigating iodine deficiency in pregnancy in Africa. This review is part of a thesis that will be submitted to the Faculty of Health Sciences, University of Cape Town, for the award of a PhD in Medicine whose protocol has been granted ethics approval (UCT HREC 135/2018). In addition, the results will be published in a peer-reviewed journal.
- Full Text:
- Date Issued: 22-8-2019
- Authors: Charles Bitamazire Businge , Benjamin Longo-Mbenza , Andre Pascal Kengne
- Date: 22-8-2019
- Language: English
- Type: text , article
- Identifier: http://hdl.handle.net/11260/3387 , vital:43338 , https://systematicreviewsjournal.biomedcentral.com/articles/10.1186/s13643-019-1092-7#citeas
- Description: Background: Insufficient iodine intake in pregnancy is associated with many adverse pregnancy outcomes. About 90% of African countries are at risk of iodine deficiency due to poor soils and dietary goitrogens. Pregnancy predisposes to insufficient iodine nutrition secondary to increased physiological demand and increased renal loss. Iodine deficiency is re-emerging in countries thought to be replete with pregnant women being the most affected. This review seeks to identify the degree of iodine nutrition in pregnancy on the entire African continent before and after the implementation of national iodization programmes. Methods: A systematic search of published literature will be conducted for observational studies that directly determined the prevalence of insufficient iodine intake among pregnant women in Africa. Electronic databases and grey literature will be searched for baseline data before the implementation of population-based iodine supplementation and for follow-up data up to December 2018. Screening of identified articles and data extraction will be conducted independently by two investigators. Risk of bias and methodological quality of the included studies will be assessed using a risk of bias tool. Appropriate meta-analytic techniques will be used to pool prevalence estimates from studies with similar features, overall and by major characteristics including the region of the study, time period (before and after implementation of iodization programmes), sample size and age. Heterogeneity of the estimates across studies will be quantified and publication bias investigated. This protocol is reported according to Preferred Reporting Items for Systematic reviews and Meta-Analysis protocols (PRISMA-P) 2015 guidelines. Discussion This review will help ascertain the impact of national iodization programmes on the iodine nutrition status in pregnancy in Africa and advise policy on the necessity for monitoring and mitigating iodine deficiency in pregnancy in Africa. This review is part of a thesis that will be submitted to the Faculty of Health Sciences, University of Cape Town, for the award of a PhD in Medicine whose protocol has been granted ethics approval (UCT HREC 135/2018). In addition, the results will be published in a peer-reviewed journal.
- Full Text:
- Date Issued: 22-8-2019
A reconceptualised perspective of the six-step financial planning process
- Authors: Kinsman, Estonia Jasmine
- Date: 2023-04
- Subjects: Financial planning industry , Affluent consumers
- Language: English
- Type: Doctoral's theses , text
- Identifier: http://hdl.handle.net/10948/60786 , vital:67404
- Description: The globally applied six-step financial planning process which is used by CFP® professionals to provide financial advice is designed to ensure that the financial advice is suitable, based on the needs of the consumer. However, given the diverse cultures in South Africa, this study argues that the six-step financial planning process (as it is currently applied) may not be suitable, as it requires contextualisation based on the unique needs of South African consumers. The various population groups in South Africa have their own sets of beliefs, values and cultural practices, and thus view aspects such as wealth (the creation, preservation and transference thereof), marriage, death and retirement, differently. Thus, financial planners who are not knowledgeable about different cultures, diverse financial needs, or the provisions of customary law, may not be able to provide suitable advice. The primary objective of the study is thus to reconceptualise the six-step financial planning process to be more inclusive, in order to better serve the financial planning needs of South African consumers. A comprehensive literature review was undertaken to provide the context and framework within which the reconceptualisation of the six-step financial planning process could be approached. An investigation of the financial planning environment and the financial planning process was completed to determine how the six-step financial planning process is currently applied in the South African context. Further, an investigation of culture and the cultural dimensions – power distance, uncertainty avoidance, individualism, masculinity, timeorientation and indulgence – was conducted, as it was clear that these cultural dimensions cannot be generalised to all South African consumers, due to the large degree of diversity within the population. It was also determined that there are various factors that contribute towards the cultural diversity of South African consumers, which may influence their financial needs and the type of financial advice that is required. These factors include race and ethnicity, marital regimes, procreation and family structures. To further illustrate the diversity of financial needs of South African consumers, a discussion of Black households and the application of financial planning legislation and customary law was provided. Black households are considered to be under-serviced, historically financially excluded, have low levels of financial literacy, and are mostly collectivist in nature. It is for these reasons that Black households are the focus of the study. Some of the financial needs that vi are common among Black households include land and property ownership, family wealth, family homesteads, lobola capital and ‘black tax’ expenditure. Given that the literature review established how the six-step financial planning process is currently applied, an interpretivist research philosophy was adopted in order to gain a deeper understanding of how the six-step financial planning process should be applied in a South African context. Further, the research approach in the context of this study is an inductive one, as the six-step financial planning process is an existing theory that was reconceptualised by considering the perceptions and experiences of 16 CFP® professionals and 14 Black South African households. A mono-method qualitative research methodology was used, with a single qualitative method of data collection (semi-structured interviews), and a single qualitative method of data analysis (latent content analysis). The findings of the study were used to provide a reconceptualised perspective of the six-step financial planning process which takes into consideration the fact that the image of a financial planner plays an important role when trying to establish a professional relationship with a client. The findings reveal that Black consumers in particular, generally have a negative image of a financial planner, which is influenced not only by their perceptions of a financial planner, but also by their self-perception of their own financial situation. The reconceptualised perspective of the six-step financial planning process also incorporates the finding that discussions around personal finances are considered impolite and taboo among the Black African community, which influences their ability to talk about these topics, trust a financial planner, and establish a professional relationship with them. The findings also reveal that a racial and gender bias exists among Black consumers – they prefer interacting with a White male financial planner, as they perceive them to be more competent and have more experience with finances and wealth accumulation. It was also found that CFP® professionals believe that having cultural awareness and cultural intelligence can reduce bias in the way that questions are asked, so as not to offend the client. Thus, cultural awareness was also incorporated into the reconceptualised perspective of the six-step financial planning process. It was also noted that it is important to ascertain clients’ level of financial literacy during the information gathering stage. Black consumers opined that in this regard, it is the role of the financial planner to both ascertain and ensure their clients’ financial literacy, and to offer financial education to ensure client understanding. vii Although the premise of the study is that South African consumers have unique financial needs due to the high degree of diversity among the population, it was the opinion of CFP® professionals that Black consumers, in particular, do not have unique financial needs – instead, they define their needs differently, have different exposures to financial resources to address their financial needs, and also prioritise and satisfy their needs differently. The prioritised financial needs of Black households (sub-themes) that emerged from both participant groups include the need to make provision for black tax, estate planning, funerals, and property ownership. Black household participants mentioned (to a greater extent than CFP® professionals did) the need to make provision for lobola and initiation schools, as these form part of several traditional ceremonies. The need to make provision for a family home was mentioned by Black household participants but not by CFP® professionals. It was discovered from Black household participants that stokvels are the most common micro-finance tool used by Black consumers, for various reasons. In fact for some, stokvels are preferred over formal financial products because they perceive that they yield a higher return, and others use them successfully to supplement their current provisions. These findings (among others) were incorporated into the reconceptualised perspective of the six-step financial planning process which is presented in this study. This study has made a contribution to the financial planning body of knowledge by presenting a reconceptualised perspective of the six-step financial planning process, and providing new knowledge on each of the associated six steps and their suitability in a South African context. This study also provides justification and evidence for the inclusion of aspects within the sixstep financial planning process that enhance the understanding of cultural diversity and needs of Black households in particular. Justification has also been provided for the inclusion of cultural aspects and diverse needs of Black consumers the in the academic curriculum of FPI and FSCA recognised qualifications, as well as the facilitation and learning outcomes of business and product-specific training that FSPs are required to provide to their representatives. The study findings also have implications for the development of the academic curriculum and assessment materials for CFP® professionals by recognised education providers, the FSCA regulatory examination, and the FPI professional competency examination. In addition, the study has provided evidence for the need to develop financial products, or customise existing financial products, that address the viii needs of Black households – especially culture-specific financial needs such as black tax, lobola and funding for initiation schools. Key words: Black households; CFP® professionals; culture; diverse needs; reconceptualisation; six-step financial planning process. , Thesis (MSc) -- Faculty of Science, School of Environmental Sciences, 2022
- Full Text:
- Date Issued: 2023-04
- Authors: Kinsman, Estonia Jasmine
- Date: 2023-04
- Subjects: Financial planning industry , Affluent consumers
- Language: English
- Type: Doctoral's theses , text
- Identifier: http://hdl.handle.net/10948/60786 , vital:67404
- Description: The globally applied six-step financial planning process which is used by CFP® professionals to provide financial advice is designed to ensure that the financial advice is suitable, based on the needs of the consumer. However, given the diverse cultures in South Africa, this study argues that the six-step financial planning process (as it is currently applied) may not be suitable, as it requires contextualisation based on the unique needs of South African consumers. The various population groups in South Africa have their own sets of beliefs, values and cultural practices, and thus view aspects such as wealth (the creation, preservation and transference thereof), marriage, death and retirement, differently. Thus, financial planners who are not knowledgeable about different cultures, diverse financial needs, or the provisions of customary law, may not be able to provide suitable advice. The primary objective of the study is thus to reconceptualise the six-step financial planning process to be more inclusive, in order to better serve the financial planning needs of South African consumers. A comprehensive literature review was undertaken to provide the context and framework within which the reconceptualisation of the six-step financial planning process could be approached. An investigation of the financial planning environment and the financial planning process was completed to determine how the six-step financial planning process is currently applied in the South African context. Further, an investigation of culture and the cultural dimensions – power distance, uncertainty avoidance, individualism, masculinity, timeorientation and indulgence – was conducted, as it was clear that these cultural dimensions cannot be generalised to all South African consumers, due to the large degree of diversity within the population. It was also determined that there are various factors that contribute towards the cultural diversity of South African consumers, which may influence their financial needs and the type of financial advice that is required. These factors include race and ethnicity, marital regimes, procreation and family structures. To further illustrate the diversity of financial needs of South African consumers, a discussion of Black households and the application of financial planning legislation and customary law was provided. Black households are considered to be under-serviced, historically financially excluded, have low levels of financial literacy, and are mostly collectivist in nature. It is for these reasons that Black households are the focus of the study. Some of the financial needs that vi are common among Black households include land and property ownership, family wealth, family homesteads, lobola capital and ‘black tax’ expenditure. Given that the literature review established how the six-step financial planning process is currently applied, an interpretivist research philosophy was adopted in order to gain a deeper understanding of how the six-step financial planning process should be applied in a South African context. Further, the research approach in the context of this study is an inductive one, as the six-step financial planning process is an existing theory that was reconceptualised by considering the perceptions and experiences of 16 CFP® professionals and 14 Black South African households. A mono-method qualitative research methodology was used, with a single qualitative method of data collection (semi-structured interviews), and a single qualitative method of data analysis (latent content analysis). The findings of the study were used to provide a reconceptualised perspective of the six-step financial planning process which takes into consideration the fact that the image of a financial planner plays an important role when trying to establish a professional relationship with a client. The findings reveal that Black consumers in particular, generally have a negative image of a financial planner, which is influenced not only by their perceptions of a financial planner, but also by their self-perception of their own financial situation. The reconceptualised perspective of the six-step financial planning process also incorporates the finding that discussions around personal finances are considered impolite and taboo among the Black African community, which influences their ability to talk about these topics, trust a financial planner, and establish a professional relationship with them. The findings also reveal that a racial and gender bias exists among Black consumers – they prefer interacting with a White male financial planner, as they perceive them to be more competent and have more experience with finances and wealth accumulation. It was also found that CFP® professionals believe that having cultural awareness and cultural intelligence can reduce bias in the way that questions are asked, so as not to offend the client. Thus, cultural awareness was also incorporated into the reconceptualised perspective of the six-step financial planning process. It was also noted that it is important to ascertain clients’ level of financial literacy during the information gathering stage. Black consumers opined that in this regard, it is the role of the financial planner to both ascertain and ensure their clients’ financial literacy, and to offer financial education to ensure client understanding. vii Although the premise of the study is that South African consumers have unique financial needs due to the high degree of diversity among the population, it was the opinion of CFP® professionals that Black consumers, in particular, do not have unique financial needs – instead, they define their needs differently, have different exposures to financial resources to address their financial needs, and also prioritise and satisfy their needs differently. The prioritised financial needs of Black households (sub-themes) that emerged from both participant groups include the need to make provision for black tax, estate planning, funerals, and property ownership. Black household participants mentioned (to a greater extent than CFP® professionals did) the need to make provision for lobola and initiation schools, as these form part of several traditional ceremonies. The need to make provision for a family home was mentioned by Black household participants but not by CFP® professionals. It was discovered from Black household participants that stokvels are the most common micro-finance tool used by Black consumers, for various reasons. In fact for some, stokvels are preferred over formal financial products because they perceive that they yield a higher return, and others use them successfully to supplement their current provisions. These findings (among others) were incorporated into the reconceptualised perspective of the six-step financial planning process which is presented in this study. This study has made a contribution to the financial planning body of knowledge by presenting a reconceptualised perspective of the six-step financial planning process, and providing new knowledge on each of the associated six steps and their suitability in a South African context. This study also provides justification and evidence for the inclusion of aspects within the sixstep financial planning process that enhance the understanding of cultural diversity and needs of Black households in particular. Justification has also been provided for the inclusion of cultural aspects and diverse needs of Black consumers the in the academic curriculum of FPI and FSCA recognised qualifications, as well as the facilitation and learning outcomes of business and product-specific training that FSPs are required to provide to their representatives. The study findings also have implications for the development of the academic curriculum and assessment materials for CFP® professionals by recognised education providers, the FSCA regulatory examination, and the FPI professional competency examination. In addition, the study has provided evidence for the need to develop financial products, or customise existing financial products, that address the viii needs of Black households – especially culture-specific financial needs such as black tax, lobola and funding for initiation schools. Key words: Black households; CFP® professionals; culture; diverse needs; reconceptualisation; six-step financial planning process. , Thesis (MSc) -- Faculty of Science, School of Environmental Sciences, 2022
- Full Text:
- Date Issued: 2023-04
A risk management model for commercial property development and investment in Ghana
- Authors: Asianoah, Rexford Kofi
- Date: 2023-04
- Subjects: Risk management , Commercial real estate , Investment -- Ghana
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60493 , vital:65633
- Description: Commercial property development and investment provide many benefits to individuals and governments around the globe; these include the generation of income for investors, employment, tax revenues, and contributions to a country‘s GDP. Yet commercial property development and investment projects involve construction, economic and management risks. A lack of effective risk assessment and management tools may lead to developers and investors incurring losses. To curtail such losses, this study sought to create a credible management model that can be used to assess and manage risks in Ghana‘s commercial property development and investment industry. An extensive literature review was done, covering all 12 identified study constructs: real estate trends and cycle, construction project management, outside advice/mentorship, spatial development, strategic factors, business management skills, PMBOK, PESTEL analysis, general management skills, governance structures, financial feasibility, professional feasibility, and risk management. Each construct was defined and operationalised. A positivistic philosophical approach was used, and quantitative approach was used to solicit data from the main respondents through the distribution of questionnaires to the target population sample. CB-SEM and SPSS version 24 were used to analyse data, SEM to test the positive relationships hypothesised between the identified variables and SPSS to analyse the demographic data. The major findings are that there is a lack of financial and professional feasibility analysis among respondents along the following factors: the PMBOK, real estate trends and cycles, general management, business management, strategic factors, spatial development, and PESTEL analysis. It was found that these factors have positive and favourable influences on CPDI projects. The study recommends that developers and investors do financial and professional feasibility studies before they embark on projects. This could improve project viability in commercial property development and investment. The study has contributed to the body of knowledge in CPDI sector by developing a new risk assessment/risk management model. , Thesis (PhD) -- Faculty of Engineering Built Environment and Technology, School of the built Environment, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Asianoah, Rexford Kofi
- Date: 2023-04
- Subjects: Risk management , Commercial real estate , Investment -- Ghana
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60493 , vital:65633
- Description: Commercial property development and investment provide many benefits to individuals and governments around the globe; these include the generation of income for investors, employment, tax revenues, and contributions to a country‘s GDP. Yet commercial property development and investment projects involve construction, economic and management risks. A lack of effective risk assessment and management tools may lead to developers and investors incurring losses. To curtail such losses, this study sought to create a credible management model that can be used to assess and manage risks in Ghana‘s commercial property development and investment industry. An extensive literature review was done, covering all 12 identified study constructs: real estate trends and cycle, construction project management, outside advice/mentorship, spatial development, strategic factors, business management skills, PMBOK, PESTEL analysis, general management skills, governance structures, financial feasibility, professional feasibility, and risk management. Each construct was defined and operationalised. A positivistic philosophical approach was used, and quantitative approach was used to solicit data from the main respondents through the distribution of questionnaires to the target population sample. CB-SEM and SPSS version 24 were used to analyse data, SEM to test the positive relationships hypothesised between the identified variables and SPSS to analyse the demographic data. The major findings are that there is a lack of financial and professional feasibility analysis among respondents along the following factors: the PMBOK, real estate trends and cycles, general management, business management, strategic factors, spatial development, and PESTEL analysis. It was found that these factors have positive and favourable influences on CPDI projects. The study recommends that developers and investors do financial and professional feasibility studies before they embark on projects. This could improve project viability in commercial property development and investment. The study has contributed to the body of knowledge in CPDI sector by developing a new risk assessment/risk management model. , Thesis (PhD) -- Faculty of Engineering Built Environment and Technology, School of the built Environment, 2023
- Full Text:
- Date Issued: 2023-04
A strategic turnaround model for distressed properties
- Authors: Pitsiladi, Lesvokli N
- Date: 2023-04
- Subjects: Reorganization , Distressed properties
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60467 , vital:65603
- Description: The importance of commercial real estate is clearly shown by the role it plays, worldwide, in the sustainability of economic activities, with a substantial global impact when measured in monetary terms. This study responds to an important gap in the built environment and turnaround literature relating to the likelihood of a successful distressed commercial property financial recovery. The present research effort addressed the absence of empirical evidence by identifying a number of important factors that influence the likelihood of a successful distressed, commercial property financial recovery. Once the important factors that increase the likelihood of recovery have been determined, the results can be used as a basis for turnaround strategies concerning property investors who invest in distressed opportunities. A theoretical turnaround model concerning properties in distress, would be of interest to ‘opportunistic investing’ yield-hungry investors targeting real estate transactions involving ‘turnaround’ potential. Against this background, the main research problem investigated in the present research effort was as follows: Determine the important factors that would increase the likelihood of a successful distressed commercial property financial recovery. A proposed theoretical model was constructed and empirically tested through a questionnaire distributed physically and electronically to a sample of real estate practitioners from across the globe, and who had all been involved, directly or indirectly, with reviving distressed properties. An explanation was provided to respondents of how the questionnaire was developed and how it would be administered. The demographic information pertaining to the 391 respondents was analysed and summarised. The statistical analysis performed to ensure the validity and reliability of the results, was explained to respondents, together with a detailed description of the covariance structural equation modelling method used to verify the proposed theoretical conceptual model. vi The independent variables of the present research effort comprised; Obsolescence Identification, Capital Improvements Feasibility, Tenant Mix, Triple Net Leases, Concessions, Property Management, Contracts, Business Analysis, Debt Renegotiation, Cost-Cutting, Market Analysis, Strategic Planning and Demography, while the dependent variable was The Perceived Likelihood of a Distressed Commercial Property Financial Recovery. After analysis of the findings, a revised model was then proposed and assessed. Both validity and reliability were assessed and resulted in the following factors that potentially influence the dependent variables; Strategy, Concessions, Tenant Mix, Debt Restructuring, Demography, Analyse Alternatives, Capital Improvements Feasibility, Property Management and Net Leases while, after analysis, the dependent variable was replaced by two dependent variables; The Likelihood of a Distressed Property Turnaround and The Likelihood of a Distressed Property Financial Recovery. The results showed that Strategy (comprising of items from Strategic Planning, Business Analysis, Obsolescence Identification and Property Management) and Concessions (comprising of items from Concessions and Triple Net Leases) had a positive influence on both the dependent variables. Property Management (comprising of items from Business Analysis, Property Management, Capital Improvements Feasibility and Tenant Mix) had a positive influence on Financial Turnaround variable while Capital Improvements Feasibility (comprising of items from Capital Improvements Feasibility, Obsolescence Identification and Property Management) had a negative influence on both. Demography (comprising of items only from Demography) had a negative influence on the Financial Recovery variable. The balance of the relationships were depicted as non-significant. The present research effort presents important actions that can be used to influence the turnaround and recovery of distressed real estate. The literature had indicated reasons to recover distressed properties as having wide-ranging economic consequences for the broader communities and the countries in which they reside. The turnaround of distressed properties will not only present financial rewards for opportunistic investors but will have positive effects on the greater community and economy and, thus, social and economic stability. Vii With the emergence of the COVID-19 pandemic crisis, issues with climate change and sustainability, global demographic shifts, changing user requirements, shifts in technology, the threat of obsolescence, urbanisation, globalisation, geo-political tensions, shifting global order, new trends and different generational expectations, it is becoming more apparent that the threat of distressed, abandoned and derelict properties is here to stay, and which will present future opportunities for turnaround, distressed property owners, as well as future worries for urban authorities and municipalities dealing with urban decay. The study concluded with an examination of the perceived limitations of the study as well as presenting a comprehensive range of suggestions for further research. , Thesis (PhD) -- Faculty of Engineering, Built Environment and Information Technology, School of the built Environment, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Pitsiladi, Lesvokli N
- Date: 2023-04
- Subjects: Reorganization , Distressed properties
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60467 , vital:65603
- Description: The importance of commercial real estate is clearly shown by the role it plays, worldwide, in the sustainability of economic activities, with a substantial global impact when measured in monetary terms. This study responds to an important gap in the built environment and turnaround literature relating to the likelihood of a successful distressed commercial property financial recovery. The present research effort addressed the absence of empirical evidence by identifying a number of important factors that influence the likelihood of a successful distressed, commercial property financial recovery. Once the important factors that increase the likelihood of recovery have been determined, the results can be used as a basis for turnaround strategies concerning property investors who invest in distressed opportunities. A theoretical turnaround model concerning properties in distress, would be of interest to ‘opportunistic investing’ yield-hungry investors targeting real estate transactions involving ‘turnaround’ potential. Against this background, the main research problem investigated in the present research effort was as follows: Determine the important factors that would increase the likelihood of a successful distressed commercial property financial recovery. A proposed theoretical model was constructed and empirically tested through a questionnaire distributed physically and electronically to a sample of real estate practitioners from across the globe, and who had all been involved, directly or indirectly, with reviving distressed properties. An explanation was provided to respondents of how the questionnaire was developed and how it would be administered. The demographic information pertaining to the 391 respondents was analysed and summarised. The statistical analysis performed to ensure the validity and reliability of the results, was explained to respondents, together with a detailed description of the covariance structural equation modelling method used to verify the proposed theoretical conceptual model. vi The independent variables of the present research effort comprised; Obsolescence Identification, Capital Improvements Feasibility, Tenant Mix, Triple Net Leases, Concessions, Property Management, Contracts, Business Analysis, Debt Renegotiation, Cost-Cutting, Market Analysis, Strategic Planning and Demography, while the dependent variable was The Perceived Likelihood of a Distressed Commercial Property Financial Recovery. After analysis of the findings, a revised model was then proposed and assessed. Both validity and reliability were assessed and resulted in the following factors that potentially influence the dependent variables; Strategy, Concessions, Tenant Mix, Debt Restructuring, Demography, Analyse Alternatives, Capital Improvements Feasibility, Property Management and Net Leases while, after analysis, the dependent variable was replaced by two dependent variables; The Likelihood of a Distressed Property Turnaround and The Likelihood of a Distressed Property Financial Recovery. The results showed that Strategy (comprising of items from Strategic Planning, Business Analysis, Obsolescence Identification and Property Management) and Concessions (comprising of items from Concessions and Triple Net Leases) had a positive influence on both the dependent variables. Property Management (comprising of items from Business Analysis, Property Management, Capital Improvements Feasibility and Tenant Mix) had a positive influence on Financial Turnaround variable while Capital Improvements Feasibility (comprising of items from Capital Improvements Feasibility, Obsolescence Identification and Property Management) had a negative influence on both. Demography (comprising of items only from Demography) had a negative influence on the Financial Recovery variable. The balance of the relationships were depicted as non-significant. The present research effort presents important actions that can be used to influence the turnaround and recovery of distressed real estate. The literature had indicated reasons to recover distressed properties as having wide-ranging economic consequences for the broader communities and the countries in which they reside. The turnaround of distressed properties will not only present financial rewards for opportunistic investors but will have positive effects on the greater community and economy and, thus, social and economic stability. Vii With the emergence of the COVID-19 pandemic crisis, issues with climate change and sustainability, global demographic shifts, changing user requirements, shifts in technology, the threat of obsolescence, urbanisation, globalisation, geo-political tensions, shifting global order, new trends and different generational expectations, it is becoming more apparent that the threat of distressed, abandoned and derelict properties is here to stay, and which will present future opportunities for turnaround, distressed property owners, as well as future worries for urban authorities and municipalities dealing with urban decay. The study concluded with an examination of the perceived limitations of the study as well as presenting a comprehensive range of suggestions for further research. , Thesis (PhD) -- Faculty of Engineering, Built Environment and Information Technology, School of the built Environment, 2023
- Full Text:
- Date Issued: 2023-04
A systematic risk management model for construction project management: a case study of the new infrastructure project in the University of Mpumalanga
- Authors: Lukhele, Themba Mfanafuthi
- Date: 2023-04
- Subjects: Risk management , Construction industry -- Management , Infrastructure -- University of Mpumalanga
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60479 , vital:65609
- Description: The construction industry has become the significant player in the economy of many developed and developing countries in the world. The industry contributes to the Gross Domestic Product (GDP) and employment rate of many nations. As such, the industry is the engine for the economic development and growth across the world. Recently, African countries have received global attention due to its calls for massive infrastructure development and maintenance thereof. Accordingly, the South African government has adopted a National Infrastructure Development Plan (NIDP), which seeks not only to transform the economic landscape of the country, but also to support the integration of the African economies through infrastructure development. To ensure that the execution of these infrastructure projects is successfully delivered in terms of time, cost, and scope; project risk management in the construction industry has become an important area of interest in the execution and delivery of the infrastructure projects. However, the constantly increasing complexity and dynamics in the delivery of construction projects have serious effects on the risk management processes during the execution of the project. In practice, risk methods and techniques have proven to be unrealistic when using the traditional risk management approach in the context of the complexity and dynamic environments wherein construction projects are delivered. Worryingly, project management practitioners in engineering and construction projects still lack the holistic and systematic insight and understanding of construction projects when applying the risk management procedures in the complex and dynamic projects environments. As a result, there are growing reports of unsatisfactory delivery of construction projects in terms of time, cost, quality, and environmental objectives. In this regard, the call for embracing the systems thinking paradigm as the alternative approach that will provide more clarity in dealing with the complex management challenges and which will gradually substitute the traditional theoretical approach of dealing with construction project management, is becoming prominent. Against this background, this study uses a multiple case study approach to explore how a systematic risk management approach could be developed and applied towards successful delivery of construction projects, and subsequently to propose a systematic risk management model that is designed to depict and grasp the underlying complexities and dynamics embedded ix | P a g e in construction projects. The choice of the case study design is founded on its utility and appropriateness for in-depth investigations into phenomena in its context as well as its usefulness for exploratory studies. Therefore, to explore the risk management phenomenon in real-life settings, the unit of analysis in this study was based on three construction projects built in one of the new Institutions of Higher Learning in South Africa during the period between 2017 and 2019. Notwithstanding the unique characteristics of these projects, the complexity and dynamic environments of these projects also emanated from the facts that i) the successful delivery of the projects was a predecessor activity to the academic schedule and activities; ii) this was one of the first universities to be built by the democratic Republic of South Africa; and, iii) the construction contract used for the delivery of the construction projects is relatively new to the professionals in the country’s construction industry. This qualitative case study design has its backbone in the constructivism philosophical paradigm which is underpinned by the ontology that there are multiple realities as conceptualized, experienced, and perceived by the people in their real-life situations or natural settings. Accordingly, the construction professionals, projects’ documents as well as field work observations were purposively chosen as the essential and reliable methods of data collection for this case study. For analysis, a conventional content data analysis methodology was applied on the empirical data that was obtained from the multiple data sources to provide a clearer understanding of the contexts in which the risk management for construction projects is performed. Accordingly, a qualitative data analysis software system called MAXQDA was used to enable the performance of data coding, managing coding, and eventually the retrieving of the coded segments in a form of visual models and summary tables. Ultimately, the qualitative content analysis approach in this thesis was performed in terms of a ‘critical filter of thick description’ which involved a balanced approach between the deductive analysis and the inductive analysis processes. With the assistance of the MAXQDA, performing the multiple levels coding and analysis processes in this thesis has not only been efficient, but also more reliable. To shed insight into the empirical findings of the study, a hybrid theoretical framework has been applied in the discussion and interpretation of the findings. The theoretical framework of this study is underpinned by the complexity theory and the theory of systems engineering. The applicability of these theories in this study is essential in providing a x | P a g e systematic and logical explanation of the practices of risk management in construction projects and further helps to explain why particular events occurred in the processes of risk management. Eventually, the theoretical framework has enabled the designing and developing of a systematic risk management model that will assist in depicting and grasping the underlying complexities while supporting proactive decision making in the delivery of construction projects. To this end, this study has made several major contributions in three multiple folds in the body of knowledge. Firstly, this study makes theoretical contributions by developing an empirically underpinned systematic risk management model which provide more clarity on comprehending the multifaceted and complex risk factors embedded in construction projects. Secondly, the qualitative case study approach and the associated analysis methods thereof in this thesis provides novelty and lays the groundwork for future research and methodological replicability in another similar phenomenon elsewhere in the world. Thirdly, this study has gone some way towards expanding the understanding and the basis for managerial decision making in relation to front-end planning and proactive approach for risk management, and eventually to improve projects’ performances on cost, time, scope, and environmental sustainability. In this regard, the key practical implication for project management practitioners is that the adoption and embracing of the systematic and holistic thinking approach in the risk management processes could enhance the successful delivery of construction projects. In the literature, there is paucity and need for more research into the exploration and analysis of the integration and interplay between the systems engineering and complexity perspectives and the other knowledge areas in the PMBOK. In conclusion, this thesis therefore argues that to address the deficiencies in risk management practices during construction projects’ delivery, the solution requires a paradigm shift from the traditional linear approach which, by design, overlooks the complexities, non-linearity and interdependences of the elements that are underpinning and characterizing the nature of the contemporary construction projects. Therefore, this thesis supports the increasingly emerging debate on the discourse that the superior traditional and linear approaches do not solve the current problems, and as such they should be replaced with the systems and holistic thinking approach that will provide more clarity in dealing with the complex management challenges in contemporary construction projects. , Thesis (PhD) -- Faculty of Engineering, Built environment and Information Technology, School of the built Environment 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Lukhele, Themba Mfanafuthi
- Date: 2023-04
- Subjects: Risk management , Construction industry -- Management , Infrastructure -- University of Mpumalanga
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60479 , vital:65609
- Description: The construction industry has become the significant player in the economy of many developed and developing countries in the world. The industry contributes to the Gross Domestic Product (GDP) and employment rate of many nations. As such, the industry is the engine for the economic development and growth across the world. Recently, African countries have received global attention due to its calls for massive infrastructure development and maintenance thereof. Accordingly, the South African government has adopted a National Infrastructure Development Plan (NIDP), which seeks not only to transform the economic landscape of the country, but also to support the integration of the African economies through infrastructure development. To ensure that the execution of these infrastructure projects is successfully delivered in terms of time, cost, and scope; project risk management in the construction industry has become an important area of interest in the execution and delivery of the infrastructure projects. However, the constantly increasing complexity and dynamics in the delivery of construction projects have serious effects on the risk management processes during the execution of the project. In practice, risk methods and techniques have proven to be unrealistic when using the traditional risk management approach in the context of the complexity and dynamic environments wherein construction projects are delivered. Worryingly, project management practitioners in engineering and construction projects still lack the holistic and systematic insight and understanding of construction projects when applying the risk management procedures in the complex and dynamic projects environments. As a result, there are growing reports of unsatisfactory delivery of construction projects in terms of time, cost, quality, and environmental objectives. In this regard, the call for embracing the systems thinking paradigm as the alternative approach that will provide more clarity in dealing with the complex management challenges and which will gradually substitute the traditional theoretical approach of dealing with construction project management, is becoming prominent. Against this background, this study uses a multiple case study approach to explore how a systematic risk management approach could be developed and applied towards successful delivery of construction projects, and subsequently to propose a systematic risk management model that is designed to depict and grasp the underlying complexities and dynamics embedded ix | P a g e in construction projects. The choice of the case study design is founded on its utility and appropriateness for in-depth investigations into phenomena in its context as well as its usefulness for exploratory studies. Therefore, to explore the risk management phenomenon in real-life settings, the unit of analysis in this study was based on three construction projects built in one of the new Institutions of Higher Learning in South Africa during the period between 2017 and 2019. Notwithstanding the unique characteristics of these projects, the complexity and dynamic environments of these projects also emanated from the facts that i) the successful delivery of the projects was a predecessor activity to the academic schedule and activities; ii) this was one of the first universities to be built by the democratic Republic of South Africa; and, iii) the construction contract used for the delivery of the construction projects is relatively new to the professionals in the country’s construction industry. This qualitative case study design has its backbone in the constructivism philosophical paradigm which is underpinned by the ontology that there are multiple realities as conceptualized, experienced, and perceived by the people in their real-life situations or natural settings. Accordingly, the construction professionals, projects’ documents as well as field work observations were purposively chosen as the essential and reliable methods of data collection for this case study. For analysis, a conventional content data analysis methodology was applied on the empirical data that was obtained from the multiple data sources to provide a clearer understanding of the contexts in which the risk management for construction projects is performed. Accordingly, a qualitative data analysis software system called MAXQDA was used to enable the performance of data coding, managing coding, and eventually the retrieving of the coded segments in a form of visual models and summary tables. Ultimately, the qualitative content analysis approach in this thesis was performed in terms of a ‘critical filter of thick description’ which involved a balanced approach between the deductive analysis and the inductive analysis processes. With the assistance of the MAXQDA, performing the multiple levels coding and analysis processes in this thesis has not only been efficient, but also more reliable. To shed insight into the empirical findings of the study, a hybrid theoretical framework has been applied in the discussion and interpretation of the findings. The theoretical framework of this study is underpinned by the complexity theory and the theory of systems engineering. The applicability of these theories in this study is essential in providing a x | P a g e systematic and logical explanation of the practices of risk management in construction projects and further helps to explain why particular events occurred in the processes of risk management. Eventually, the theoretical framework has enabled the designing and developing of a systematic risk management model that will assist in depicting and grasping the underlying complexities while supporting proactive decision making in the delivery of construction projects. To this end, this study has made several major contributions in three multiple folds in the body of knowledge. Firstly, this study makes theoretical contributions by developing an empirically underpinned systematic risk management model which provide more clarity on comprehending the multifaceted and complex risk factors embedded in construction projects. Secondly, the qualitative case study approach and the associated analysis methods thereof in this thesis provides novelty and lays the groundwork for future research and methodological replicability in another similar phenomenon elsewhere in the world. Thirdly, this study has gone some way towards expanding the understanding and the basis for managerial decision making in relation to front-end planning and proactive approach for risk management, and eventually to improve projects’ performances on cost, time, scope, and environmental sustainability. In this regard, the key practical implication for project management practitioners is that the adoption and embracing of the systematic and holistic thinking approach in the risk management processes could enhance the successful delivery of construction projects. In the literature, there is paucity and need for more research into the exploration and analysis of the integration and interplay between the systems engineering and complexity perspectives and the other knowledge areas in the PMBOK. In conclusion, this thesis therefore argues that to address the deficiencies in risk management practices during construction projects’ delivery, the solution requires a paradigm shift from the traditional linear approach which, by design, overlooks the complexities, non-linearity and interdependences of the elements that are underpinning and characterizing the nature of the contemporary construction projects. Therefore, this thesis supports the increasingly emerging debate on the discourse that the superior traditional and linear approaches do not solve the current problems, and as such they should be replaced with the systems and holistic thinking approach that will provide more clarity in dealing with the complex management challenges in contemporary construction projects. , Thesis (PhD) -- Faculty of Engineering, Built environment and Information Technology, School of the built Environment 2023
- Full Text:
- Date Issued: 2023-04
Academic resilience of engineering students: a case study
- Authors: Mapaling, Curwyn
- Date: 2023-04
- Subjects: Resilience (Personality trait) , Engineering students
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60775 , vital:67337
- Description: Extensive research has been done and much knowledge exists about academic resilience among youth in school contexts, but there is a lack of data and literature on academic resilience at university level. This knowledge gap is especially critical in disciplines such as engineering, where student dropout rates have historically been high. In 2017, a redesigned engineering degree qualification, the Bachelor of Engineering Technology, was introduced at South African universities. This case study explored the academic resilience of the first cohort of final-year Bachelor of Engineering Technology students at Nelson Mandela University. Mixed methods and multiple theories were employed, which allowed for the generation of rich data for this exploratory case study. In the quantitative phase, 66 students from Industrial, Civil, Electrical, Marine and Mechanical Engineering courses participated by completing a series of standardised psychometric measurement tools. Descriptive and inferential statistical analysis was conducted on the quantitative data collected from the measurement items. In the qualitative phase, 13 engineering students, 6 engineering lecturers and 6 support staff members were interviewed individually, to explore their perceptions and experiences of academic resilience. Qualitative data generated through the semi-structured interviews were analysed using thematic analysis. The findings suggested that staff and students perceive academic resilience differently. It also seems that staff wellbeing impacts the academic resilience of students, and the relationship between staff wellness and student academic resilience is suggested as a next step for research on the topic of academic resilience at university level, especially among courses with high drop-out rates like engineering. Although not generalisable, it appears that a variety of extracurricular support structures and initiatives and strong relationships between the higher education sector and engineering industries can contribute significantly to students' academic resilience. , Thesis (PhD) -- Faculty of Education, School of Post Graduate Education, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mapaling, Curwyn
- Date: 2023-04
- Subjects: Resilience (Personality trait) , Engineering students
- Language: English
- Type: Doctoral's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60775 , vital:67337
- Description: Extensive research has been done and much knowledge exists about academic resilience among youth in school contexts, but there is a lack of data and literature on academic resilience at university level. This knowledge gap is especially critical in disciplines such as engineering, where student dropout rates have historically been high. In 2017, a redesigned engineering degree qualification, the Bachelor of Engineering Technology, was introduced at South African universities. This case study explored the academic resilience of the first cohort of final-year Bachelor of Engineering Technology students at Nelson Mandela University. Mixed methods and multiple theories were employed, which allowed for the generation of rich data for this exploratory case study. In the quantitative phase, 66 students from Industrial, Civil, Electrical, Marine and Mechanical Engineering courses participated by completing a series of standardised psychometric measurement tools. Descriptive and inferential statistical analysis was conducted on the quantitative data collected from the measurement items. In the qualitative phase, 13 engineering students, 6 engineering lecturers and 6 support staff members were interviewed individually, to explore their perceptions and experiences of academic resilience. Qualitative data generated through the semi-structured interviews were analysed using thematic analysis. The findings suggested that staff and students perceive academic resilience differently. It also seems that staff wellbeing impacts the academic resilience of students, and the relationship between staff wellness and student academic resilience is suggested as a next step for research on the topic of academic resilience at university level, especially among courses with high drop-out rates like engineering. Although not generalisable, it appears that a variety of extracurricular support structures and initiatives and strong relationships between the higher education sector and engineering industries can contribute significantly to students' academic resilience. , Thesis (PhD) -- Faculty of Education, School of Post Graduate Education, 2023
- Full Text:
- Date Issued: 2023-04
Affirmative action and people with disabilities in the work place
- Authors: Mpambani, Ntombizodwa Rose
- Date: 2023-04
- Subjects: Affirmative action programs--Law and legislation , People with disabilities , Work environment
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60685 , vital:66321
- Description: Worldwide and in South Africa, affirmative action has been extensively used both as a policy instrument and a means of social reparation and reform. This study focuses on compliance and monitoring for affirmative action for persons with disabilities in the South African workplace. Affirmative action is a transitory method of advancing equality. Constitutionally, it is acknowledged in South Africa that affirmative action in the form of substantive equality. This study explores whether or not employers utilize affirmative action in accordance with the Employment Equity Act. It also aims to evaluate how the Department of Employment and Labour and the courts implement affirmative action. The study considers the relevant literature available, statutes, and employment equality policies, as well as an evaluation of case law. In South Africa, individuals who have disabilities are one of the groups that the Employment Equity Act attempts to protect. People with disabilities are disadvantaged in the work arena, which has substantial psychological, social, and economic consequences. The government established the numerical target that employers must strive to achieve in the workplace. Consequently, it is essential to investigate further the obstacles that impede the employment of persons with disabilities including the physical accessibility of the environment and information, transportation, the attitudes of others (such as employers and co-employees), and the extra expenditures associated with managing a disability. The delivery, nature, and structure of an individual's education is one of the first determinants of socialization into society. There is a delicate relationship between poverty, disability, and social assistance programs that may have a substantial effect on the employment and job search of persons with disabilities. Interestingly, South Africa combines significant unemployment rates with effective social assistance programs. There are compelling economic, social, psychological, and political arguments for boosting the employment of those with disabilities. The policy of affirmative action is effective, but the study notes that the objectives have not yet been realized. The situation in South Africa is compounded by a variety of confusing circumstances, including substantial unemployment, strong social assistance, and disabled individuals with poor skill levels. The survey concluded that the majority of firms do not execute affirmative action appropriately and that enforcement is minimal. It is recommended that disabled workers and labour unions confront employers that do not comply with the Employment Equity Act. To guarantee that persons with disabilities are completely integrated into the workforce, proactive and constructive strategies must be used. It is the morally just and virtuous thing to do, not just for disabled people but for all people. , Thesis (LLM) -- Faculty of Law, School of School: Mercantile Law, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mpambani, Ntombizodwa Rose
- Date: 2023-04
- Subjects: Affirmative action programs--Law and legislation , People with disabilities , Work environment
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60685 , vital:66321
- Description: Worldwide and in South Africa, affirmative action has been extensively used both as a policy instrument and a means of social reparation and reform. This study focuses on compliance and monitoring for affirmative action for persons with disabilities in the South African workplace. Affirmative action is a transitory method of advancing equality. Constitutionally, it is acknowledged in South Africa that affirmative action in the form of substantive equality. This study explores whether or not employers utilize affirmative action in accordance with the Employment Equity Act. It also aims to evaluate how the Department of Employment and Labour and the courts implement affirmative action. The study considers the relevant literature available, statutes, and employment equality policies, as well as an evaluation of case law. In South Africa, individuals who have disabilities are one of the groups that the Employment Equity Act attempts to protect. People with disabilities are disadvantaged in the work arena, which has substantial psychological, social, and economic consequences. The government established the numerical target that employers must strive to achieve in the workplace. Consequently, it is essential to investigate further the obstacles that impede the employment of persons with disabilities including the physical accessibility of the environment and information, transportation, the attitudes of others (such as employers and co-employees), and the extra expenditures associated with managing a disability. The delivery, nature, and structure of an individual's education is one of the first determinants of socialization into society. There is a delicate relationship between poverty, disability, and social assistance programs that may have a substantial effect on the employment and job search of persons with disabilities. Interestingly, South Africa combines significant unemployment rates with effective social assistance programs. There are compelling economic, social, psychological, and political arguments for boosting the employment of those with disabilities. The policy of affirmative action is effective, but the study notes that the objectives have not yet been realized. The situation in South Africa is compounded by a variety of confusing circumstances, including substantial unemployment, strong social assistance, and disabled individuals with poor skill levels. The survey concluded that the majority of firms do not execute affirmative action appropriately and that enforcement is minimal. It is recommended that disabled workers and labour unions confront employers that do not comply with the Employment Equity Act. To guarantee that persons with disabilities are completely integrated into the workforce, proactive and constructive strategies must be used. It is the morally just and virtuous thing to do, not just for disabled people but for all people. , Thesis (LLM) -- Faculty of Law, School of School: Mercantile Law, 2023
- Full Text:
- Date Issued: 2023-04
An evaluation of the national minimum wage dispensation
- Authors: Masenya, Mogodi
- Date: 2023-04
- Subjects: Evaluation , Minimum wage -- distribution , South Africa
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60807 , vital:67833
- Description: After South Africa became a democratic country, there was a shift in the labour and employment sector. This led to introduction of new labour laws which would be in harmony with the constitutional dream and objectives. As such, the BCEA was introduced to bring about change to the basic conditions of employment. As a result of this, new minimum wages policies and laws were enacted. The wages were to be determined by the following means: first way was by means of bargaining council agreements, the second way by means of statutory council agreements, and the third way by means of sectoral determinations. The sectoral determinations policy was introduced through the BCEA. The BCEA through the ECC promulgated sectoral determinations which was aimed to establish minimum wages and conditions of employment for workers in the sectors deemed to be vulnerable. A minimum wage was firstly adopted in New Zealand and in European countries as early as the 19th century. This policy was then widely adopted after the establishment of the International Labour Organisation. The purpose or aim of a minimum wage is to protect workers against exploitatively low pay and to ensure a just and equitable share of the profits of work, thus creating a minimum living wage for all those that are employed and in need of such protection. Minimum wages are also often used as a policy tool to reduce poverty and inequality, including between men and women, by advocating for equal pay for work of equal value. Convention No. 131 and Recommendation No 135 are the key international conventions that determine minimum wage fixing. Convention No. 131 and Recommendation No. 135 seek to ensure that the minimum wage is set at a certain level that allows workers and their families to meet their needs. Article 4 of Convention No. 131 requires the creation and maintenance of machinery adapted to national conditions and requirements whereby minimum wages for groups of wage earners covered under article 1 can be fixed and adjusted from time to time. However, the situation of minimum wages differs between developed and developing countries. This raises a concern, more particularly, whether developing countries can be able to adopt the minimum wage policy. This research makes investigate the adoption of iv minimum wage policy in developed and developing countries, and how it affected their socio-economic status. On about 2018, South Africa enacted the National Minimum Wage Act. This Act was aimed at establishing a floor of minimum wage for all employees. This Act was intended to promote and protect vulnerable workers who were left out from the previous wage policies. The long-term aim of a minimum wage was to remove the problem of poverty pay, which exists when the earnings from paid work do not result in a living minimum wage and fail to push people out of poverty. When this Act was enacted, the national minimum wage floor was set at R20 per hour. However, in EPWP, Domestic Worker, and Farm workers had lower rates because they were regulated by other laws. Furthermore, there were challenges of non-compliance by employers. The national minimum wage policy as a socio-economic tool has had an impact on several levels of the economy. This policy has contributed to either alleviation or elevation of poverty and unemployment. Therefore, this study looks at the impact the minimum wage has had on these 2 aspects of life. The research provides a specific asymmetric data of the impact of the policy in all sectors throughout the time since this policy was adopted. It further shows how the minimum wage policy intervention has been affected by covid 19 pandemic. This empirical evidence is provided by way of charts and graphs to demonstrate the changes that has occurred. At the end of the treatise a conclusion on how this policy has affected the South African economy is reached. Furthermore, recommendations on how economic risks posed by the minimum wage policy can be reduced. , Thesis (LLM) -- Faculty of Law, School of Mercantile law, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Masenya, Mogodi
- Date: 2023-04
- Subjects: Evaluation , Minimum wage -- distribution , South Africa
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60807 , vital:67833
- Description: After South Africa became a democratic country, there was a shift in the labour and employment sector. This led to introduction of new labour laws which would be in harmony with the constitutional dream and objectives. As such, the BCEA was introduced to bring about change to the basic conditions of employment. As a result of this, new minimum wages policies and laws were enacted. The wages were to be determined by the following means: first way was by means of bargaining council agreements, the second way by means of statutory council agreements, and the third way by means of sectoral determinations. The sectoral determinations policy was introduced through the BCEA. The BCEA through the ECC promulgated sectoral determinations which was aimed to establish minimum wages and conditions of employment for workers in the sectors deemed to be vulnerable. A minimum wage was firstly adopted in New Zealand and in European countries as early as the 19th century. This policy was then widely adopted after the establishment of the International Labour Organisation. The purpose or aim of a minimum wage is to protect workers against exploitatively low pay and to ensure a just and equitable share of the profits of work, thus creating a minimum living wage for all those that are employed and in need of such protection. Minimum wages are also often used as a policy tool to reduce poverty and inequality, including between men and women, by advocating for equal pay for work of equal value. Convention No. 131 and Recommendation No 135 are the key international conventions that determine minimum wage fixing. Convention No. 131 and Recommendation No. 135 seek to ensure that the minimum wage is set at a certain level that allows workers and their families to meet their needs. Article 4 of Convention No. 131 requires the creation and maintenance of machinery adapted to national conditions and requirements whereby minimum wages for groups of wage earners covered under article 1 can be fixed and adjusted from time to time. However, the situation of minimum wages differs between developed and developing countries. This raises a concern, more particularly, whether developing countries can be able to adopt the minimum wage policy. This research makes investigate the adoption of iv minimum wage policy in developed and developing countries, and how it affected their socio-economic status. On about 2018, South Africa enacted the National Minimum Wage Act. This Act was aimed at establishing a floor of minimum wage for all employees. This Act was intended to promote and protect vulnerable workers who were left out from the previous wage policies. The long-term aim of a minimum wage was to remove the problem of poverty pay, which exists when the earnings from paid work do not result in a living minimum wage and fail to push people out of poverty. When this Act was enacted, the national minimum wage floor was set at R20 per hour. However, in EPWP, Domestic Worker, and Farm workers had lower rates because they were regulated by other laws. Furthermore, there were challenges of non-compliance by employers. The national minimum wage policy as a socio-economic tool has had an impact on several levels of the economy. This policy has contributed to either alleviation or elevation of poverty and unemployment. Therefore, this study looks at the impact the minimum wage has had on these 2 aspects of life. The research provides a specific asymmetric data of the impact of the policy in all sectors throughout the time since this policy was adopted. It further shows how the minimum wage policy intervention has been affected by covid 19 pandemic. This empirical evidence is provided by way of charts and graphs to demonstrate the changes that has occurred. At the end of the treatise a conclusion on how this policy has affected the South African economy is reached. Furthermore, recommendations on how economic risks posed by the minimum wage policy can be reduced. , Thesis (LLM) -- Faculty of Law, School of Mercantile law, 2023
- Full Text:
- Date Issued: 2023-04
An exploration of the Participatory Guarantee System (PGS) facilitating the growth and certification of small-scale organic farmers: Giyani, Garden Route and Overberg case studies
- Authors: Mashele,N’wa-Jama
- Date: 2023-04
- Subjects: Organic farming – Case studies --South Africa , Organic farming research
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10948/60741 , vital:66574
- Description: In this study, I evaluated the Participatory Guarantee System (PGS) as a framework to support the growth and certification of small-scale organic farmers. I used the interpretivism and constructivism lenses to understand the PGS from the perspective of members of three PGS groups. The research was qualitative, treating the three PGS groups as case studies. I collected data using focus groups, semi-structured interviews, questionnaires, field notes and observations. The theoretical frameworks that guided the research and data analysis were Socio-ecological Systems (SES) based principles and the Multi-Level-Perspective (MLP) framework. The data were analysed using Atlas.ti content analysis software. The key results were grouped into four themes: capacity; market and logistics; learning process; and disturbance, shock and stress. The theme of ‘capacity’ dealt with the functioning of a PGS, where three categories were identified: group composition and capacity; resource limitations and institutional support; marketing and consumer education. The more diversity in age, education and culture of PGS stakeholders, the better performance and chances of continuity and propagation. PGS has limited capacity partly due to its voluntary nature and infancy. It needs institutional support to grow and be useful for members. Department of Agriculture extension officers knew little about organic farming, thus limiting their engagement and assistance to such farmers. The theme of ‘market and logistics’ looked at the various factors that influence the farmers’ market reach. The perception from the members was that there was minimal consumer awareness about organic agriculture and the PGS. The marketing of organic produce relied largely on the individual farmer’s efforts and ability to search for and secure markets. The theme of the ‘learning process’ was categorised into learning and knowledge exchange. Members of the PGS groups highly regarded the invaluable knowledge shared through farm visits and online platforms, such as their WhatsApp groups. This knowledge improved and informed their farming techniques and led to the growth of v their skill base and experimentation. They viewed the way knowledge was exchanged as non-threatening and highly useful. The fourth theme of ‘disturbance, shock and stress’ dealt with the effects of COVID19. The three groups were all affected by lockdown restrictions (at the time of data collection) and were initially cut off from their usual markets. This led to a loss of income, loss of farm staff and a loss of the desired growth of the farms. The group’s diverse farming practices bolstered their resilience, enabling them to adapt and try alternative marketing strategies. , Thesis (MSc) -- Faculty of Science, School of Natural Resource Management, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mashele,N’wa-Jama
- Date: 2023-04
- Subjects: Organic farming – Case studies --South Africa , Organic farming research
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10948/60741 , vital:66574
- Description: In this study, I evaluated the Participatory Guarantee System (PGS) as a framework to support the growth and certification of small-scale organic farmers. I used the interpretivism and constructivism lenses to understand the PGS from the perspective of members of three PGS groups. The research was qualitative, treating the three PGS groups as case studies. I collected data using focus groups, semi-structured interviews, questionnaires, field notes and observations. The theoretical frameworks that guided the research and data analysis were Socio-ecological Systems (SES) based principles and the Multi-Level-Perspective (MLP) framework. The data were analysed using Atlas.ti content analysis software. The key results were grouped into four themes: capacity; market and logistics; learning process; and disturbance, shock and stress. The theme of ‘capacity’ dealt with the functioning of a PGS, where three categories were identified: group composition and capacity; resource limitations and institutional support; marketing and consumer education. The more diversity in age, education and culture of PGS stakeholders, the better performance and chances of continuity and propagation. PGS has limited capacity partly due to its voluntary nature and infancy. It needs institutional support to grow and be useful for members. Department of Agriculture extension officers knew little about organic farming, thus limiting their engagement and assistance to such farmers. The theme of ‘market and logistics’ looked at the various factors that influence the farmers’ market reach. The perception from the members was that there was minimal consumer awareness about organic agriculture and the PGS. The marketing of organic produce relied largely on the individual farmer’s efforts and ability to search for and secure markets. The theme of the ‘learning process’ was categorised into learning and knowledge exchange. Members of the PGS groups highly regarded the invaluable knowledge shared through farm visits and online platforms, such as their WhatsApp groups. This knowledge improved and informed their farming techniques and led to the growth of v their skill base and experimentation. They viewed the way knowledge was exchanged as non-threatening and highly useful. The fourth theme of ‘disturbance, shock and stress’ dealt with the effects of COVID19. The three groups were all affected by lockdown restrictions (at the time of data collection) and were initially cut off from their usual markets. This led to a loss of income, loss of farm staff and a loss of the desired growth of the farms. The group’s diverse farming practices bolstered their resilience, enabling them to adapt and try alternative marketing strategies. , Thesis (MSc) -- Faculty of Science, School of Natural Resource Management, 2023
- Full Text:
- Date Issued: 2023-04
An investigation into the cybersecurity skills gap in South Africa
- Authors: De Jager, Michael
- Date: 2023-04
- Subjects: Criminal investigation , Information technology--Security measures -- South Africa
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60635 , vital:66247
- Description: The usage of the internet both in our daily lives and in the operations of organisations has grown significantly in modern society. However, there are also risks and vulnerabilities associated with this, thus cyber threats. Cybersecurity has been put in place to safeguard the internet from these cyber threats, yet there is an ever-growing concern regarding the implementation of cybersecurity, both globally and in South Africa. With the increase in cyber threats, there is a growing need and demand for IT professionals with the requisite cybersecurity skills and knowledge to combat and mitigate these threats. However, an ever-increasing cybersecurity skills gap has been identified both globally and in South Africa. Yet the specific cybersecurity skills demand, needs and challenges of IT professionals in South Africa are currently unknown. This study therefore investigated the cybersecurity skills demand, needs, and challenges of IT professionals in South Africa by reporting on IT professionals’ perceptions in this regard. An online questionnaire was used to gather information for this and was distributed to IT professionals using various online platforms. According to the findings of the study, there are several challenges such as lack of time, lack of funding and a lack of resources that South Africa must overcome in order to address the cybersecurity skills gap. From the survey results it was also found that neither tertiary institutions, nor organisations, nor the South African government are investing enough in cybersecurity skills development. Without the right cybersecurity skills set or investment in the development of cybersecurity skills, cyber threats will continue to increase and will potentially become more harmful to South African organisations and to the South African society at large. Furthermore, this study addresses the extent to which cybersecurity-related skills are required and currently used by IT professionals in South Africa to address the cybersecurity skills gap. Tertiary institutions, organisations and the South African government may benefit from this investigation as it could assist in the development of cybersecurity course work as well as national cybersecurity laws, legislations and policies. , Thesis (MIT) -- Faculty of Engineering, the Built Environment and Technology, School of Information Technology, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: De Jager, Michael
- Date: 2023-04
- Subjects: Criminal investigation , Information technology--Security measures -- South Africa
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60635 , vital:66247
- Description: The usage of the internet both in our daily lives and in the operations of organisations has grown significantly in modern society. However, there are also risks and vulnerabilities associated with this, thus cyber threats. Cybersecurity has been put in place to safeguard the internet from these cyber threats, yet there is an ever-growing concern regarding the implementation of cybersecurity, both globally and in South Africa. With the increase in cyber threats, there is a growing need and demand for IT professionals with the requisite cybersecurity skills and knowledge to combat and mitigate these threats. However, an ever-increasing cybersecurity skills gap has been identified both globally and in South Africa. Yet the specific cybersecurity skills demand, needs and challenges of IT professionals in South Africa are currently unknown. This study therefore investigated the cybersecurity skills demand, needs, and challenges of IT professionals in South Africa by reporting on IT professionals’ perceptions in this regard. An online questionnaire was used to gather information for this and was distributed to IT professionals using various online platforms. According to the findings of the study, there are several challenges such as lack of time, lack of funding and a lack of resources that South Africa must overcome in order to address the cybersecurity skills gap. From the survey results it was also found that neither tertiary institutions, nor organisations, nor the South African government are investing enough in cybersecurity skills development. Without the right cybersecurity skills set or investment in the development of cybersecurity skills, cyber threats will continue to increase and will potentially become more harmful to South African organisations and to the South African society at large. Furthermore, this study addresses the extent to which cybersecurity-related skills are required and currently used by IT professionals in South Africa to address the cybersecurity skills gap. Tertiary institutions, organisations and the South African government may benefit from this investigation as it could assist in the development of cybersecurity course work as well as national cybersecurity laws, legislations and policies. , Thesis (MIT) -- Faculty of Engineering, the Built Environment and Technology, School of Information Technology, 2023
- Full Text:
- Date Issued: 2023-04
Billing system, communication strategies, and organisation change in Zimbabwe: the case of telone customers’ postpaid to prepaid migration
- Authors: Dube, Sizalobuhle
- Date: 2023-04
- Subjects: Communication , Organizational change , Organizational change -- Management
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/27336 , vital:66942
- Description: This study investigated the effectiveness of the communication strategies used to implement the migration of telephone services from post-paid to prepaid billing at TelOne Zimbabwe. This study adopted the Freeman‟s stakeholder theory and the Lewin‟s change model to analyse the factors that influenced the effectiveness of the communication strategies used by TelOne before, during and after the change implementation as a way to communicate the initiative with its stakeholders. A qualitative approach was utilised and the key research methods used included document analysis, participant observation, as well as 21 face-to-face and 79 telephonic semi-structured interviews conducted with respondents from among TelOne managers, employees and the customers. The documents and respondents were purposively sampled based on the researcher‟s knowledge of their relevance in the study. The findings revealed several factors that mired effective change communication strategies such as company image, stakeholder recognition and communication centralisation. To curb these communication challenges, the study proposes Thrive organisational communication change model TOCC that encourages organisations to communicate the initiative to its relevant internal and external stakeholders considering their views and addressing factors that might hinder effective communication as a strategy to enhance successful change management. , Thesis (PhD) -- Faculty of Social Sciences and Humanities, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Dube, Sizalobuhle
- Date: 2023-04
- Subjects: Communication , Organizational change , Organizational change -- Management
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/27336 , vital:66942
- Description: This study investigated the effectiveness of the communication strategies used to implement the migration of telephone services from post-paid to prepaid billing at TelOne Zimbabwe. This study adopted the Freeman‟s stakeholder theory and the Lewin‟s change model to analyse the factors that influenced the effectiveness of the communication strategies used by TelOne before, during and after the change implementation as a way to communicate the initiative with its stakeholders. A qualitative approach was utilised and the key research methods used included document analysis, participant observation, as well as 21 face-to-face and 79 telephonic semi-structured interviews conducted with respondents from among TelOne managers, employees and the customers. The documents and respondents were purposively sampled based on the researcher‟s knowledge of their relevance in the study. The findings revealed several factors that mired effective change communication strategies such as company image, stakeholder recognition and communication centralisation. To curb these communication challenges, the study proposes Thrive organisational communication change model TOCC that encourages organisations to communicate the initiative to its relevant internal and external stakeholders considering their views and addressing factors that might hinder effective communication as a strategy to enhance successful change management. , Thesis (PhD) -- Faculty of Social Sciences and Humanities, 2023
- Full Text:
- Date Issued: 2023-04
Distinguishing elephant induced thicket degradation and climate related factors in Addo Elephant National Park, Eastern Cape, South Africa
- Authors: Mapheto, Tlhologelo James
- Date: 2023-04
- Subjects: Elephant – Behaviour -- South Africa -- Addo Elephant National Park , Wildlife conservation -- South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/60753 , vital:66741
- Description: The Addo Elephant National Park (AENP) is an ecologically sensitive environment where the increase in elephant population, especially in a changing climate is a recipe for landscape degradation and biodiversity loss. The Park is situated in the drought prone Eastern Cape Province, however, the effects of drought on thicket vegetation is less understood. This study aimed to distinguish elephant-induced thicket degradation from the effects of climatic factors, using remote sensing, GIS, and statistical techniques. To characterise and map vegetation conditions of the reserve temporal series Landsat imagery (n = 22) from 1998 to 2018 were analysed. Vegetation states were determined using Normalised Difference Vegetation Index (NDVI) derived from the growing season of the study period. Using supervised per-pixel image classification technique, the NDVI values characterized into distinct land cover classes viz (1) Intact Thicket, (2) Transformed Thicket, (3) Degraded Thicket, (4) Bare Ground and (6) Water Bodies. Post-classification change detection and landscape fragmentation analysis was performed. Climatic data were obtained from existing weather stations and raster surface of accumulated rainfall and mean maximum temperature were developed using the Inverse Distance Weighting (IDW). Time series analysis was implemented on the NDVI and climatic condition data by plotting annual measures to indicate variable trends. Temporal trend analysis was performed on the NDVI data using the nonparametric Mann-Kendall trend analysis test to indicate thicket vegetation condition improvement and general degradation. The Residual Trend (RESTREND) approach was employed to remove the effect of rainfall on vegetation productivity. This involved using the Ordinary Least Square regression functionality in ArcMap to compute the relationship between ∑NDVI and accumulated rainfall for every pixel for the study period. The products of the regression were assessed using Pearson’s Correlation (r) at a significance level of 90% (p-value ≤ 0.1) to distinguish strong relationships. Overlay analysis was performed, using the NDVI trend slope and the correlation coefficient (r) raster surfaces, to model vegetation dynamics influenced by elephant activities. , Thesis (MSc) -- Faculty of Science, School of Environmental Sciences, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mapheto, Tlhologelo James
- Date: 2023-04
- Subjects: Elephant – Behaviour -- South Africa -- Addo Elephant National Park , Wildlife conservation -- South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/60753 , vital:66741
- Description: The Addo Elephant National Park (AENP) is an ecologically sensitive environment where the increase in elephant population, especially in a changing climate is a recipe for landscape degradation and biodiversity loss. The Park is situated in the drought prone Eastern Cape Province, however, the effects of drought on thicket vegetation is less understood. This study aimed to distinguish elephant-induced thicket degradation from the effects of climatic factors, using remote sensing, GIS, and statistical techniques. To characterise and map vegetation conditions of the reserve temporal series Landsat imagery (n = 22) from 1998 to 2018 were analysed. Vegetation states were determined using Normalised Difference Vegetation Index (NDVI) derived from the growing season of the study period. Using supervised per-pixel image classification technique, the NDVI values characterized into distinct land cover classes viz (1) Intact Thicket, (2) Transformed Thicket, (3) Degraded Thicket, (4) Bare Ground and (6) Water Bodies. Post-classification change detection and landscape fragmentation analysis was performed. Climatic data were obtained from existing weather stations and raster surface of accumulated rainfall and mean maximum temperature were developed using the Inverse Distance Weighting (IDW). Time series analysis was implemented on the NDVI and climatic condition data by plotting annual measures to indicate variable trends. Temporal trend analysis was performed on the NDVI data using the nonparametric Mann-Kendall trend analysis test to indicate thicket vegetation condition improvement and general degradation. The Residual Trend (RESTREND) approach was employed to remove the effect of rainfall on vegetation productivity. This involved using the Ordinary Least Square regression functionality in ArcMap to compute the relationship between ∑NDVI and accumulated rainfall for every pixel for the study period. The products of the regression were assessed using Pearson’s Correlation (r) at a significance level of 90% (p-value ≤ 0.1) to distinguish strong relationships. Overlay analysis was performed, using the NDVI trend slope and the correlation coefficient (r) raster surfaces, to model vegetation dynamics influenced by elephant activities. , Thesis (MSc) -- Faculty of Science, School of Environmental Sciences, 2023
- Full Text:
- Date Issued: 2023-04
Effect of livestock management and services to ecosystems on rangeland health and resilience in the NamaKaroo
- Authors: Boshoff, Mishak
- Date: 2023-04
- Subjects: Livestock – Management --South Africa—Karoo , Range ecology
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/60611 , vital:66017
- Description: Rangelands offer great opportunities for mutualisms between nature conservation and economic productivity if positive feedback loops can be identified and described. The effects of different livestock management practices are controversial. This research examined the effect of different grazing intensities on soil health using springtails (Collembola) and ants (Formicidae) as bioindicators, combined with soil and vegetation variables. The relationship between rangeland managers and rangeland ecosystems, particularly with regard to feedback loops between land care and economic production, was also investigated. Bioindicator samples were collected at different treatments of livestock grazing intensity and a questionnaire was submitted to 65 rangeland managers in the semi-arid Nama-Karoo biome of South Africa. In most cases we found no significant relationship between grazing intensity and Collembola and ant community composition, vegetation variables, and soil variables. The few significant relationships we found were contradictory in their implications for the effect of high intensity grazing on soil health. The results suggested that differences in livestock management are relatively unimportant for soil health, at least in semi-arid systems under conditions immediately following a drought. The questionnaire yielded results on outline of management practices, basis of management decisions, consequences of monitoring veld to inform management decisions, and indicators of successful management. Respondents characterized by higher ecological fluency focused on livestock production when making management decisions, stocked at higher densities, and monitored the rangeland ecosystem to inform their decisions. For monitoring the ecosystem, they used bioindicators such as diversity of biota, successional stage, and ecologically important functional groups. We concluded that the development of ecological knowledge in rangeland managers enables the establishment of feedback loops between ecosystem services and services to ecosystems, which are desirable for economic productivity and nature conservation. Development of relevant ecological knowledge and management techniques should be based on forums and dialogue among rangeland managers, developing distributed cognition and resilience in the community of rangeland managers. , Thesis (MSc) -- Faculty of Science, School Natural Resource Science and Management, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Boshoff, Mishak
- Date: 2023-04
- Subjects: Livestock – Management --South Africa—Karoo , Range ecology
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/60611 , vital:66017
- Description: Rangelands offer great opportunities for mutualisms between nature conservation and economic productivity if positive feedback loops can be identified and described. The effects of different livestock management practices are controversial. This research examined the effect of different grazing intensities on soil health using springtails (Collembola) and ants (Formicidae) as bioindicators, combined with soil and vegetation variables. The relationship between rangeland managers and rangeland ecosystems, particularly with regard to feedback loops between land care and economic production, was also investigated. Bioindicator samples were collected at different treatments of livestock grazing intensity and a questionnaire was submitted to 65 rangeland managers in the semi-arid Nama-Karoo biome of South Africa. In most cases we found no significant relationship between grazing intensity and Collembola and ant community composition, vegetation variables, and soil variables. The few significant relationships we found were contradictory in their implications for the effect of high intensity grazing on soil health. The results suggested that differences in livestock management are relatively unimportant for soil health, at least in semi-arid systems under conditions immediately following a drought. The questionnaire yielded results on outline of management practices, basis of management decisions, consequences of monitoring veld to inform management decisions, and indicators of successful management. Respondents characterized by higher ecological fluency focused on livestock production when making management decisions, stocked at higher densities, and monitored the rangeland ecosystem to inform their decisions. For monitoring the ecosystem, they used bioindicators such as diversity of biota, successional stage, and ecologically important functional groups. We concluded that the development of ecological knowledge in rangeland managers enables the establishment of feedback loops between ecosystem services and services to ecosystems, which are desirable for economic productivity and nature conservation. Development of relevant ecological knowledge and management techniques should be based on forums and dialogue among rangeland managers, developing distributed cognition and resilience in the community of rangeland managers. , Thesis (MSc) -- Faculty of Science, School Natural Resource Science and Management, 2023
- Full Text:
- Date Issued: 2023-04
End-user requirements of an assistive technology for profoundly deaf parents with infants
- Authors: Mxhego, Zukile Bright
- Date: 2023-04
- Subjects: End-user computing , Assistive computer technology , Deaf parents
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60707 , vital:66373
- Description: As the number of deaf people in the world increases, the amount of parents who are deaf, is also growing. The world is increasingly relying on technology from which deaf parents can, and do, benefit significantly. Deaf parents are able to rely on available technology such as assistive technologies to overcome functional limitations. However, assistive technologies are often abandoned within a short period of time of being acquired. The abandonment of assistive technologies is believed to be due to a lack of proper elicitation of requirements. Therefore, the problem identified in this research is a lack of understanding of end-user requirements of an assistive technology for profoundly deaf parents with infants. A literature review together with logical argumentation was conducted and applied to identify and recommend a method suitable for eliciting end-user requirements for assistive technologies. Thereafter, an integrative literature review and thematic analysis was done to extract needs and challenges of profoundly deaf parents with infants, and group them according to themes that emerged. Finally, making use of the recommended method and the extracted needs and challenges of profoundly deaf parents with infants, twenty-eight end-user requirements of an assistive technology for profoundly deaf parents with infants were elicited. The twenty-eight elicited end-user requirements consist of eighteen end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants, and ten end-user requirements that express an overall goal/objective to be attained by profoundly deaf parents with infants when the assistive technology is designed and developed. To evaluate the elicited end-user requirements, only the eighteen end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants were considered. The evaluation was done by assessing both existing and emerging assistive technologies to understand the comprehensiveness of the eighteen elicited end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants. , Thesis (MIT) -- Faculty of Engineering, the Built Environment and Technology, School of Information and Communication Technology, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mxhego, Zukile Bright
- Date: 2023-04
- Subjects: End-user computing , Assistive computer technology , Deaf parents
- Language: English
- Type: Master's theses , Thesis
- Identifier: http://hdl.handle.net/10948/60707 , vital:66373
- Description: As the number of deaf people in the world increases, the amount of parents who are deaf, is also growing. The world is increasingly relying on technology from which deaf parents can, and do, benefit significantly. Deaf parents are able to rely on available technology such as assistive technologies to overcome functional limitations. However, assistive technologies are often abandoned within a short period of time of being acquired. The abandonment of assistive technologies is believed to be due to a lack of proper elicitation of requirements. Therefore, the problem identified in this research is a lack of understanding of end-user requirements of an assistive technology for profoundly deaf parents with infants. A literature review together with logical argumentation was conducted and applied to identify and recommend a method suitable for eliciting end-user requirements for assistive technologies. Thereafter, an integrative literature review and thematic analysis was done to extract needs and challenges of profoundly deaf parents with infants, and group them according to themes that emerged. Finally, making use of the recommended method and the extracted needs and challenges of profoundly deaf parents with infants, twenty-eight end-user requirements of an assistive technology for profoundly deaf parents with infants were elicited. The twenty-eight elicited end-user requirements consist of eighteen end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants, and ten end-user requirements that express an overall goal/objective to be attained by profoundly deaf parents with infants when the assistive technology is designed and developed. To evaluate the elicited end-user requirements, only the eighteen end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants were considered. The evaluation was done by assessing both existing and emerging assistive technologies to understand the comprehensiveness of the eighteen elicited end-user requirements that express functions of an assistive technology for profoundly deaf parents with infants. , Thesis (MIT) -- Faculty of Engineering, the Built Environment and Technology, School of Information and Communication Technology, 2023
- Full Text:
- Date Issued: 2023-04
Experiences of youths participating in combination social protection and HIV prevention programme in resource constrained settings of Gauteng Province in South Africa: a collective case study design
- Authors: Zibengwa, Enock
- Date: 2023-04
- Subjects: HIV infections -- Prevention , HIV (Viruses) , HIV infections -- Africa
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/27347 , vital:66944
- Description: South Africa continues to experience unacceptably high Human Immunodeficiency Virus HIV incidence rates among youths aged 15 to 24 years. Remarkably, this is despite the numerous youth HIV prevention programmes that have been implemented in the country. Unfortunately, the programmes have not significantly curbed the spread of HIV due to the partial and fragmented nature of their implementation. The programmes are also observed to be weak in addressing complex economic factors recognised as important structural drivers for vulnerabilities that put youths at risk of HIV infection. To address this challenge, there is increased adoption and implementation of the Combination Social Protection introduced in this research as the CSP by Non-Governmental Organisations NGOs. The CSP is a youth empowerment programming strategy whose critical foundations are entrenched in combining economic strengthening interventions and HIV prevention education. CSP could provide youths with a set of indispensable life skills that enhance their competencies and agency to make informed and effective decisions regarding their health and economic lives. Despite its growing traction, little is known regarding links between the CSP and its abilities to improve HIV prevention outcomes for youths. Given the paucity of research, this study aimed to explore the experiences of youths participating in the CSP and HIV prevention programme, with a particular focus on the resource-constrained settings of Gauteng Province in South Africa. This study employed a collective case study design, within the qualitative approach, and was exploratory. In-depth individual interviews were conducted with 30 youths from six established NGOs in the City of Johannesburg (CoJ). Qualitative thematic analysis was employed as a data analysis strategy. Focus groups were separately with six practitioners from the same six NGOs, and five officials from the Department of Social Development (DSD). Both phases of data collection were guided by interview themes, which were aligned with the objectives of the study. The findings of the study point to the fact that the CSP’s innovative and holistic approach offered numerous transformative and empowering benefits to youths. It equipped them with basic informational resources, capabilities, and social assets to safeguard their health and aid their economic advancement. The programme’s mixedgender sessions provided space, freedom, and support for youths to engage on issues of gender, differential access to health and socio-economic opportunities. Another major finding of the study was that improvement of economic aptitude (brought about by financial literacy education), employability, and entrepreneurship training stirred a sense of agency and purposefulness among youths, which in turn, prompted them to be more focused on achieving long-term objectives instead of indulging in risky sexual practices. Conversely, findings revealed that the programme had limited opportunities and did not create an adequate supportive environment for youths to develop successful entrepreneurial or income-generating projects. There was also no structure to assist youths to access apprenticeship and employment markets. The study specifically recognised that the programme’s efforts to develop youths’ entrepreneurship and employability capabilities were curtailed by a lack of mentorshipnand access to financial capital for start-up costs. With these findings in mind, recommendations are made for the creation of an enabling environment by purposefully engaging youths, establishing collaborative relations with communities, and building networks with businesses and financial institutions that can help youths with capital, mentorship, and linkages to internship and wage employment. Such collaborations could be fundamental in unravelling the impact of the programme on building livelihoods and reducing HIV among youths. Hence, this study proposes a model with strategies to support the successful implementation of economic strengthening interventions for youths. , Thesis (PhD) -- Faculty of Social Sciences and Humanities, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Zibengwa, Enock
- Date: 2023-04
- Subjects: HIV infections -- Prevention , HIV (Viruses) , HIV infections -- Africa
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/27347 , vital:66944
- Description: South Africa continues to experience unacceptably high Human Immunodeficiency Virus HIV incidence rates among youths aged 15 to 24 years. Remarkably, this is despite the numerous youth HIV prevention programmes that have been implemented in the country. Unfortunately, the programmes have not significantly curbed the spread of HIV due to the partial and fragmented nature of their implementation. The programmes are also observed to be weak in addressing complex economic factors recognised as important structural drivers for vulnerabilities that put youths at risk of HIV infection. To address this challenge, there is increased adoption and implementation of the Combination Social Protection introduced in this research as the CSP by Non-Governmental Organisations NGOs. The CSP is a youth empowerment programming strategy whose critical foundations are entrenched in combining economic strengthening interventions and HIV prevention education. CSP could provide youths with a set of indispensable life skills that enhance their competencies and agency to make informed and effective decisions regarding their health and economic lives. Despite its growing traction, little is known regarding links between the CSP and its abilities to improve HIV prevention outcomes for youths. Given the paucity of research, this study aimed to explore the experiences of youths participating in the CSP and HIV prevention programme, with a particular focus on the resource-constrained settings of Gauteng Province in South Africa. This study employed a collective case study design, within the qualitative approach, and was exploratory. In-depth individual interviews were conducted with 30 youths from six established NGOs in the City of Johannesburg (CoJ). Qualitative thematic analysis was employed as a data analysis strategy. Focus groups were separately with six practitioners from the same six NGOs, and five officials from the Department of Social Development (DSD). Both phases of data collection were guided by interview themes, which were aligned with the objectives of the study. The findings of the study point to the fact that the CSP’s innovative and holistic approach offered numerous transformative and empowering benefits to youths. It equipped them with basic informational resources, capabilities, and social assets to safeguard their health and aid their economic advancement. The programme’s mixedgender sessions provided space, freedom, and support for youths to engage on issues of gender, differential access to health and socio-economic opportunities. Another major finding of the study was that improvement of economic aptitude (brought about by financial literacy education), employability, and entrepreneurship training stirred a sense of agency and purposefulness among youths, which in turn, prompted them to be more focused on achieving long-term objectives instead of indulging in risky sexual practices. Conversely, findings revealed that the programme had limited opportunities and did not create an adequate supportive environment for youths to develop successful entrepreneurial or income-generating projects. There was also no structure to assist youths to access apprenticeship and employment markets. The study specifically recognised that the programme’s efforts to develop youths’ entrepreneurship and employability capabilities were curtailed by a lack of mentorshipnand access to financial capital for start-up costs. With these findings in mind, recommendations are made for the creation of an enabling environment by purposefully engaging youths, establishing collaborative relations with communities, and building networks with businesses and financial institutions that can help youths with capital, mentorship, and linkages to internship and wage employment. Such collaborations could be fundamental in unravelling the impact of the programme on building livelihoods and reducing HIV among youths. Hence, this study proposes a model with strategies to support the successful implementation of economic strengthening interventions for youths. , Thesis (PhD) -- Faculty of Social Sciences and Humanities, 2023
- Full Text:
- Date Issued: 2023-04
Financial sector development, financial innovation and economic growth: case of a selected SADC countries
- Mpukumpa, Siphosethu https://orcid.org/0000-0001-7342-8751
- Authors: Mpukumpa, Siphosethu https://orcid.org/0000-0001-7342-8751
- Date: 2023-04
- Subjects: Financial services industry -- Africa, Southern , Investments -- Africa, Southern , Economic development -- Africa, Southern
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/26852 , vital:66036
- Description: The financial sector plays a pivotal role in an economy of a country; hence the importance of financial sector development cannot be underestimated. Financial sector development is widely regarded as another conduit through which financial innovation and economic growth can be alleviated. The study firstly empirically examines the effect of financial sector development on financial innovation and also the impact of financial sector development and financial innovation on economic growth in selected Southern African Development Community (SADC) countries, employing the Generalized Method of Moments (GMM) technique for the period 1990 to 2020. Empirical results revealed that financial sector development overall does have an impact on financial innovation in the selected SADC countries. And also, financial sector development together with financial innovation does have an impact on economic growth in the selected SADC countries. However, on the relationship between financial system stability, financial innovation and economic growth, results reveal that a stable financial system is beneficial to new technological advancement and improved economic growth. Therefore, the overall findings from the study indicate that financial access or financial inclusion and financial stability is what increases financial innovation and boosts economic growth instead of mere financial sector development at a broader level. , Thesis (MCom) -- Faculty of Management and Commerce, 2023
- Full Text:
- Date Issued: 2023-04
- Authors: Mpukumpa, Siphosethu https://orcid.org/0000-0001-7342-8751
- Date: 2023-04
- Subjects: Financial services industry -- Africa, Southern , Investments -- Africa, Southern , Economic development -- Africa, Southern
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10353/26852 , vital:66036
- Description: The financial sector plays a pivotal role in an economy of a country; hence the importance of financial sector development cannot be underestimated. Financial sector development is widely regarded as another conduit through which financial innovation and economic growth can be alleviated. The study firstly empirically examines the effect of financial sector development on financial innovation and also the impact of financial sector development and financial innovation on economic growth in selected Southern African Development Community (SADC) countries, employing the Generalized Method of Moments (GMM) technique for the period 1990 to 2020. Empirical results revealed that financial sector development overall does have an impact on financial innovation in the selected SADC countries. And also, financial sector development together with financial innovation does have an impact on economic growth in the selected SADC countries. However, on the relationship between financial system stability, financial innovation and economic growth, results reveal that a stable financial system is beneficial to new technological advancement and improved economic growth. Therefore, the overall findings from the study indicate that financial access or financial inclusion and financial stability is what increases financial innovation and boosts economic growth instead of mere financial sector development at a broader level. , Thesis (MCom) -- Faculty of Management and Commerce, 2023
- Full Text:
- Date Issued: 2023-04