Digital finance and poverty in selected Sub-Saharan Countries
- Dube, Ziphozethu https://orcid.org/0000-0003-4532-5346
- Authors: Dube, Ziphozethu https://orcid.org/0000-0003-4532-5346
- Date: 2022-10
- Subjects: Electronic funds transfers , Transmission mechanism (Monetary policy)
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/23347 , vital:57616
- Description: Since the 21st century, digital finance has emerged as a critical enabler and an excellent tool for meeting the UN 2030 Sustainable Development Goals (SDGs) through increasing financial inclusion and poverty reduction. The objective of achieving universal financial access by 2030 has led to recognising that financial inclusion has a significant role in economic growth and poverty eradication. The literature demonstrates that access to finance can affect poverty through access to credit, enabling savings, thereby facilitating intertemporal consumption smoothing. Digital finance is key to unlocking financial inclusion, particularly in developing countries. Building capacity in digital payments is one of the best ways to ensure a faster, better, and more cost-effective way to access financial services. The gender gap in developing countries states that (59% of men were reported to have a bank account in 2014, while 50% of women only had a bank account). Some groups, including women and the rural poor, are financially excluded compared to others. This study applied panel data regression analysis and structural equation modelling to investigate the nature of digital finance, its relationship with poverty and the transmission mechanism from digital finance to poverty in selected Sub-Saharan Countries. The results indicate that remittance is one of the most significant determinants of the use of digital finance in the Sub-Saharan region compared to other determinants of use for digital finance. Regarding the transmission mechanism between digital finance and poverty, the path analysis results suggest that the channel for remittance in the transmission mechanism has a more substantial impact on reducing poverty than savings in the Sub-Saharan region. The study recommends that remittance is essential, but savings are not critical in this digital age. This study contributed to literature by identifying the transmission mechanism between digital finance and poverty. This is beneficial to researchers and policymakers . It provides policy practitioners with a reference point on a model to build upon towards providing solutions to the problem, Sub-Saharan Countries encounter on delivering sustainable and broad-based economic growth. The study concludes by proposing that digital finance, particularly mobile money presents an excellent opportunity to increase access to finance and reduce poverty. , Thesis (PhD) -- Faculty of Management and Commerce, 2022
- Full Text:
- Date Issued: 2022-10
- Authors: Dube, Ziphozethu https://orcid.org/0000-0003-4532-5346
- Date: 2022-10
- Subjects: Electronic funds transfers , Transmission mechanism (Monetary policy)
- Language: English
- Type: Doctoral theses , text
- Identifier: http://hdl.handle.net/10353/23347 , vital:57616
- Description: Since the 21st century, digital finance has emerged as a critical enabler and an excellent tool for meeting the UN 2030 Sustainable Development Goals (SDGs) through increasing financial inclusion and poverty reduction. The objective of achieving universal financial access by 2030 has led to recognising that financial inclusion has a significant role in economic growth and poverty eradication. The literature demonstrates that access to finance can affect poverty through access to credit, enabling savings, thereby facilitating intertemporal consumption smoothing. Digital finance is key to unlocking financial inclusion, particularly in developing countries. Building capacity in digital payments is one of the best ways to ensure a faster, better, and more cost-effective way to access financial services. The gender gap in developing countries states that (59% of men were reported to have a bank account in 2014, while 50% of women only had a bank account). Some groups, including women and the rural poor, are financially excluded compared to others. This study applied panel data regression analysis and structural equation modelling to investigate the nature of digital finance, its relationship with poverty and the transmission mechanism from digital finance to poverty in selected Sub-Saharan Countries. The results indicate that remittance is one of the most significant determinants of the use of digital finance in the Sub-Saharan region compared to other determinants of use for digital finance. Regarding the transmission mechanism between digital finance and poverty, the path analysis results suggest that the channel for remittance in the transmission mechanism has a more substantial impact on reducing poverty than savings in the Sub-Saharan region. The study recommends that remittance is essential, but savings are not critical in this digital age. This study contributed to literature by identifying the transmission mechanism between digital finance and poverty. This is beneficial to researchers and policymakers . It provides policy practitioners with a reference point on a model to build upon towards providing solutions to the problem, Sub-Saharan Countries encounter on delivering sustainable and broad-based economic growth. The study concludes by proposing that digital finance, particularly mobile money presents an excellent opportunity to increase access to finance and reduce poverty. , Thesis (PhD) -- Faculty of Management and Commerce, 2022
- Full Text:
- Date Issued: 2022-10
Land expropriation without compensation: a study of constructions of the Parliamentary process in selected mainstream and “ground-up” media from 27 February – 12 August 2018
- Authors: Jacobs, Luzuko G
- Date: 2022-10
- Subjects: Discourse analysis , Communication Political aspects South Africa , Land reform Press coverage South Africa , Land reform Government policy South Africa , Communication in mass media , Frames (Sociology) South Africa , Journalism Political aspects South Africa , Moneyweb Holdings Ltd. , City Press (South Africa) , Afriforum (South Africa) , African Farmers’ Association of South Africa (AFASA)
- Language: English
- Type: Academic theses , Doctoral theses , text
- Identifier: http://hdl.handle.net/10962/297807 , vital:57630 , DOI 10.21504/10962/297807
- Description: This study investigates the constructions of land expropriation without compensation (LEwC) in the discourses of two mainstream media, Moneyweb and City Press, and two ground-up platforms, Afriforum and the African Farmers’ Association of South Africa (AFASA). It follows the February 2018 adoption by Parliament, of LEwC as a policy to reorder the country’s unequal and racially bifurcated economy. The motivations for, and opposition to the policy locate land as ‘the issue’ in conquest and capitalism. How land is signified therefore, is important to the understandings of ‘restitution’ and/or ‘resolution’. The news platforms selected here are diverse: Moneyweb focuses on investments. City Press concerns itself with politics. Afriforum and AFASA are alternative sphericules linked to ethnically- polarised quotidian concerns with land as a key focus. Discourses are central to how citizens see and construct themselves and one another as subjects. As such, media frames can be connected to justice and inter-‘race’ complexities. This is a study of media influences in cultivating certain meanings and understandings of tenuous and fractious political situations characterised by inequality and interracial enmity. The thesis draws from the Epistemologies of the South as well as Marxism to constitute the locus of its enunciation of colonisation, liberal capitalism, land question, justice, ideology, discourse, and framing. This framework is geared towards emic understanding of interrelated local and global contexts of the land question. Conceptual clarity is key to the development of an emancipatory imagination. Qualitative framing analysis and critical discourse analysis are used in this study to examine a diachronic corpus of 124 articles from the four platforms covering 167-days, from the adoption of the LEwC motion through the initial round of public hearings. The findings suggest a strong influence of the structures of coloniality in discourses across a wide political spectrum. The frames and counter-frames in the four platforms are simultaneously divergent and similar. Some are reactionary and conservative, others are liberal-transformational and even radical-prefigurative. All however, orbit around abyssal, North-centric, liberal capitalist normativity as the centripetal centre. The study proposes rethinking of the land question, a radical exorcism from land discourses, of structures of coloniality of power, knowledge, and being. Their mobilisation, predominance and naturalisation in political communication is anti-transformation and helps keep Black South Africans to this day, under the heavy yoke of an oppressive colonial and Apartheid reality as perpetual economic slaves. , Thesis (PhD) -- Faculty of Humanities, Journalism and Media Studies, 2022
- Full Text:
- Date Issued: 2022-10
- Authors: Jacobs, Luzuko G
- Date: 2022-10
- Subjects: Discourse analysis , Communication Political aspects South Africa , Land reform Press coverage South Africa , Land reform Government policy South Africa , Communication in mass media , Frames (Sociology) South Africa , Journalism Political aspects South Africa , Moneyweb Holdings Ltd. , City Press (South Africa) , Afriforum (South Africa) , African Farmers’ Association of South Africa (AFASA)
- Language: English
- Type: Academic theses , Doctoral theses , text
- Identifier: http://hdl.handle.net/10962/297807 , vital:57630 , DOI 10.21504/10962/297807
- Description: This study investigates the constructions of land expropriation without compensation (LEwC) in the discourses of two mainstream media, Moneyweb and City Press, and two ground-up platforms, Afriforum and the African Farmers’ Association of South Africa (AFASA). It follows the February 2018 adoption by Parliament, of LEwC as a policy to reorder the country’s unequal and racially bifurcated economy. The motivations for, and opposition to the policy locate land as ‘the issue’ in conquest and capitalism. How land is signified therefore, is important to the understandings of ‘restitution’ and/or ‘resolution’. The news platforms selected here are diverse: Moneyweb focuses on investments. City Press concerns itself with politics. Afriforum and AFASA are alternative sphericules linked to ethnically- polarised quotidian concerns with land as a key focus. Discourses are central to how citizens see and construct themselves and one another as subjects. As such, media frames can be connected to justice and inter-‘race’ complexities. This is a study of media influences in cultivating certain meanings and understandings of tenuous and fractious political situations characterised by inequality and interracial enmity. The thesis draws from the Epistemologies of the South as well as Marxism to constitute the locus of its enunciation of colonisation, liberal capitalism, land question, justice, ideology, discourse, and framing. This framework is geared towards emic understanding of interrelated local and global contexts of the land question. Conceptual clarity is key to the development of an emancipatory imagination. Qualitative framing analysis and critical discourse analysis are used in this study to examine a diachronic corpus of 124 articles from the four platforms covering 167-days, from the adoption of the LEwC motion through the initial round of public hearings. The findings suggest a strong influence of the structures of coloniality in discourses across a wide political spectrum. The frames and counter-frames in the four platforms are simultaneously divergent and similar. Some are reactionary and conservative, others are liberal-transformational and even radical-prefigurative. All however, orbit around abyssal, North-centric, liberal capitalist normativity as the centripetal centre. The study proposes rethinking of the land question, a radical exorcism from land discourses, of structures of coloniality of power, knowledge, and being. Their mobilisation, predominance and naturalisation in political communication is anti-transformation and helps keep Black South Africans to this day, under the heavy yoke of an oppressive colonial and Apartheid reality as perpetual economic slaves. , Thesis (PhD) -- Faculty of Humanities, Journalism and Media Studies, 2022
- Full Text:
- Date Issued: 2022-10
Stakeholder engagement in social enterprise: designing a sustainable business model for the ‘Food for Us’ mobile application
- Authors: Tantsi, Idah Thato
- Date: 2022-10
- Subjects: Business planning South Africa , Sustainability South Africa , Mobile apps South Africa , Social responsibility of business South Africa , Social entrepreneurship South Africa , Food for Us (Application software)
- Language: English
- Type: Academic theses , Master's theses , text
- Identifier: http://hdl.handle.net/10962/317141 , vital:59904
- Description: This study aimed to develop a sustainable business model that is cognisant of the fundamental principles of social enterprises that can sustain the operation of the Food for Us mobile application that links farmers with buyers in Eastern and Western Cape, South Africa. The Food for Us mobile application lacks a supporting sustainable social business model to sustain its continued operations, hence the need to develop one. In the study, data was generated qualitatively underpinned by an interpretive paradigm, in three workshops guided by the Delphi method. A stakeholder salience model was applied to identify key stakeholders and their salience. Three key stakeholders, namely users (farmers and buyers), Experts (App developers) and the consortium were identified. The study concluded that developing a sustainable social, innovative business model requires substantive consultation with multiple stakeholders in society. Every stakeholder is important and possesses varying salience, hence stakeholder mapping is an important exercise. The study further concluded that financial sustainability and social inclusion are critical social enterprise elements to consider in the process. The undertaking to enhance financial sustainability opens an understanding on the importance of income streams, the key activities, and value propositions offered by the mobile application. The need to remain socially inclusive brings forth questioning of value propositions, accessibility, user friendliness towards stakeholder diversity and needs. The study offers a solution for the Food for Us mobile application in the form of a prototype which is ready for testing, and if desired results are achieved, this can enhance the much needed continued operations of the mobile application. , Thesis (MBA) -- Faculty of Commerce, Rhodes Business School, 2022
- Full Text:
- Date Issued: 2022-10
- Authors: Tantsi, Idah Thato
- Date: 2022-10
- Subjects: Business planning South Africa , Sustainability South Africa , Mobile apps South Africa , Social responsibility of business South Africa , Social entrepreneurship South Africa , Food for Us (Application software)
- Language: English
- Type: Academic theses , Master's theses , text
- Identifier: http://hdl.handle.net/10962/317141 , vital:59904
- Description: This study aimed to develop a sustainable business model that is cognisant of the fundamental principles of social enterprises that can sustain the operation of the Food for Us mobile application that links farmers with buyers in Eastern and Western Cape, South Africa. The Food for Us mobile application lacks a supporting sustainable social business model to sustain its continued operations, hence the need to develop one. In the study, data was generated qualitatively underpinned by an interpretive paradigm, in three workshops guided by the Delphi method. A stakeholder salience model was applied to identify key stakeholders and their salience. Three key stakeholders, namely users (farmers and buyers), Experts (App developers) and the consortium were identified. The study concluded that developing a sustainable social, innovative business model requires substantive consultation with multiple stakeholders in society. Every stakeholder is important and possesses varying salience, hence stakeholder mapping is an important exercise. The study further concluded that financial sustainability and social inclusion are critical social enterprise elements to consider in the process. The undertaking to enhance financial sustainability opens an understanding on the importance of income streams, the key activities, and value propositions offered by the mobile application. The need to remain socially inclusive brings forth questioning of value propositions, accessibility, user friendliness towards stakeholder diversity and needs. The study offers a solution for the Food for Us mobile application in the form of a prototype which is ready for testing, and if desired results are achieved, this can enhance the much needed continued operations of the mobile application. , Thesis (MBA) -- Faculty of Commerce, Rhodes Business School, 2022
- Full Text:
- Date Issued: 2022-10
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