A dissertation submitted to the Faculty of Humanities, in fulfilment of the requirements for the degree of Masters of Arts in Journalism and Media Studies at the University of the Witwatersrand in 2016 / The research set out to investigate how the Voluntary Medical Male Circumcision (VMMC) programme in South Africa facilitated stakeholder participation in its communication processes to improve the uptake of services in the context of national targets. Studies reviewed have highlighted challenges in the implementation of the participatory model to achieve communication goals. This qualitative study used document analysis, in-depth interviews and Focus Group Discussions (FGDs) for data collection. The research has revealed other limiting factors including unequal opportunities to influence decisions as a result of varying levels of authority and access to mediated public spheres. While those with power end up being further empowered through participatory approaches in terms of voice and visibility, the representation of the inputs of the lower level stakeholder group is limited to head count. A five-day visit to a VMMC clinic in Alexandra Township attributes marginalisation by exclusion from decision-making processes as one of the reasons for people’s inability to translate knowledge into the positive public response. The study was inconclusive about the influence of the model on the actual service uptake because the purpose was to provide a textual description of the participants’ experiences and not the impact. / XL2018

Thesis (MPA.) -- University of Limpopo, 2022 / Policy development and management remains the subject of boardrooms and societal preoccupation. This is precisely because policies are a vehicle for customer service and service delivery. For any product or service that is produced or consumed or used, there must be certain standard operating procedures, processes, and protocols generated and developed to produce or deliver that product or service to the users (consumers) who are mainly the people. Therefore, policy implementation is the framework that guides processes and procedures to deliver services and products to the people. Thus, this study focuses on the policy implementation process. The aim of the study was to investigate public policy implementation, with a focus on the indigent policy in a local municipality. A qualitative study was undertaken to investigate implementing the indigent policy in the Greater Tzaneen Local Municipality, hereafter referred to as the Greater Tzaneen Municipality. A non-probability sample frame was used where purposive samples were drawn from among municipal administrators (staff), ward committee members, community development workers, politicians (Councillors), indigent beneficiaries, and ordinary community members of the Greater Tzaneen Municipality. Data was collected using semi-structured open-ended question interview guide. In-depth, face-to-face (one-on-one) and telephonic interviews were conducted with the director responsible for finance and the councillor responsible for the social cluster portfolio in the Greater Tzaneen Municipality respectively. Focus group discussions including the officers (staff) responsible for the management and delivery of the indigent services in the Greater Tzaneen, the ward committee members, the community development workers (six), the ward councillors (six), community members and the indigents (six) of the Greater Tzaneen Municipality were also conducted. The participants were organised into Groups A, B, and C for efficient data management. There was a total complement of 20 participants and respondents. This study used the 5C Protocol plus the sixth C, hereinafter also referred to as the Protocol, to investigate implementing the indigent policy in the Greater Tzaneen Municipality. Findings and recommendations deduced from the study mainly highlight the positive or negative outcomes of compliance, namely, lack of capacity to measure water and sanitation in rural areas; policy content well designed and packaged; context variable still needs more attention to cite but a few

Thesis (M.Dev. (Planning and Management)) -- University of Limpopo, 2022 / Unemployment in South Africa has prompted the government to shift focus in terms of employment creation resulting in encouraging citizens to become entrepreneurs. This took effect after 1994 and small, medium, and micro enterprises (SMMEs) have since been the important drivers of the economy. They have provided jobs to many unemployed people and reduced poverty in many communities. Despite their importance, these enterprises encounter challenges that threaten their sustainability and growth. The purpose of the study was to investigate the internal and external factors affecting SMMEs. To get a clear understanding of the challenges confronting managers of SMMEs in Lepelle Nkumpi Municipality (LNM), a comprehensive investigation of this problem was conducted through a literature review. The study adopted a mixed method approach, where the researcher used both qualitative and quantitative methods to elicit information from the participants. The study also adopted the interpretivism and positivism paradigms. Data were collected through the usage of structured questionnaires and semi-structured interviews from the respondents who were selected purposively. Analysis of quantitative data was done through SPSS and presented in tables, graphs, and pie charts. For qualitative data, thematic analysis was used. The findings confirmed what was reviewed in the literature, namely, that managers of SMMEs encounter operational difficulties; and inaccessibility of funding is a major challenge. The study revealed that 78% of the respondents used personal savings and some borrowed from friends and family, whilst only 22% received funding as a form of government grants and bank loans. To confront the challenges of funding, government and parastatals should ensure that SMMEs receive funding in an impartial manner; and government should also serve as collateral for SMMEs with financial institutions in cases where government could not offer funding since lack of collateral proved to be a blockade for SMMEs. Chapter 5 of this research report provides a conclusion and recommendations arising from the data collection on the improvement and accelerated support to ensure the sustainability and growth of SMMEs.

Thesis (MBA.) -- University of Limpopo, 2022 / In today‟s post-modern era, the role of women-owned small businesses in economic development is inevitable. Women are willing to act in business and contribute to the nation‟s growth. However, most women in small businesses face a wide variety of challenges both in starting and in growing their business ventures. Some of the challenges relate to lack of skills and an environment that is not favourable to women small business owners. Thus, a study was conducted in Lepelle-Nkumpi local municipality in Limpopo Province. The aim of the study was to investigate the challenges faced by women-owned small businesses in the Lepelle-Nkumpi local municipality, Limpopo Province of South Africa. The study used a qualitative research method to collect data. Fifteen (15) individuals participated in the study; twelve (12) of the participants were women who owned small businesses in the municipality and three (3) of the participants were officials working in the LED unit. Participants in the study were chosen purposively because of the knowledge that they possessed. Semistructured interviews were used in the qualitative study to collect data. The study discovered that some of the challenges included lack of skills and training, lack of access to finance, lack of marketing strategies and inadequate resources. Thus, the study recommended that the municipality should provide need-based training for small business owners.

Thesis ((MBA.) -- University of Limpopo, 2016 / The positive role and fundamental contribution of SMMEs on a global and national level is key to economic growth. Various perspectives and opinions exist in terms of the role, extent and nature of the contribution made by SMMEs in the local economy. The main aim of this study was to investigate ways in which the informal motor vehicle mechanic businesses operating in Tzaneen CBD can be assisted to become formalised businesses for long-term sustainability and contribution to the local economy. The research was qualitative in nature. Group interviews were conducted with motor mechanics operating opposite Tzaneen bus rank in the town of Tzaneen, Limpopo Province as well as with their representatives (i.e. their executive committee). The purpose of the interviews was to find out what they thought about possibilities of being formalised and what their needs are. In addition, questionnaires were designed and handed out to officials from GTM LED, SEDA and GTEDA. The purpose of the questionnaires was to explore what these institutions have done previously and what they were willing to offer to help formalise the informal motor mechanic operations. The research results show that the motor mechanics understand what formalising their enterprises entails and they are willing to cooperate with the government organisations to convert them into sustainable enterprises. The representatives from government agencies showed willingness to support these motor mechanics, they are also willing to prioritise and develop necessary support programmes. The study recommends that the motor mechanics be helped with infrastructure; registering their businesses; mentoring and coaching be offered to them; marketing their business; and training and development occurring on a continuous basis.

M. Tech. (Department of Tourism and Hospitality Management, Faculty of Human Sciences) Vaal University of Technology. / Tourism is regarded as a global phenomenon in the 21st Century and is the world’s largest and fastest growing industry. Many countries globally look at tourism as a key driver for economic growth and rescue to their economic slumber (Brida, Lanzilotta, Moreno & Santiñaque 2018:62). In South Africa, tourism contributed immensely to total employment and economic activity in the country and the government sees this industry as a great resource, the country’s strategy for expansion and a possible vehicle to take South Africa into a new economic trajectory. The National Department of Tourism developed the National Tourism Sector Strategy (NTSS 2016-2026) to facilitate the growth of this industry. As a result, direct tourism performance is measured on an ongoing basis against the goals set for South Africa of which two of the performance measures are length of stay and direct spend (NTSS 2019). These two are important because if visitors stay for longer periods at a destination, their spending increases as they partake in more tourism activities and pay for accommodation. This in turn increases the value attached to tourism as an engine for economic growth (SA Tourism 2007:59). Tourists’ spending and length of stay are therefore very important variables in the tourism industry as they contribute immensely to the economic value of tourism to specific destinations (Wong, Fong, & Law, 2016:958; Wang, Fong, Law & Fang 2018:472; Montañoa, Rossellób & Sansób 2019:112). Length of stay and average spend per day by tourists are fluctuating for South Africa as a tourism destination (SAT 2009-2018). The growth of both these variables has also been small over a period of ten years. These fluctuations and slow growth exert pressure on the tourism industry (SAT 2005-2018) and therefore annually form part of the strategic objectives of the National Department of Tourism (NTSS 2019). An in-depth analysis of these two variables is lacking and understanding the factors influencing these two variables within a South African context is of paramount importance to improving the economic value of tourism to the country. Although the factors influencing the two variables have been widely researched, these cannot be stereotyped to all destinations as they are destination specific (Barros & Machado 2010:693; Gemara & Correiab 2018:56) and these have not been analysed in the context of South Africa as a tourism destination. Though fluctuating patterns and slow growth on tourists’ length of stay and spending in South Africa is evident and is a cause of concern, the real problem here is lack of in-depth information on factors which influence these two key variables from a South African perspective. Even though South African Tourism have placed length of stay and spending of tourists as key strategic variables that need to be closely monitored and improved it needs action from the South African context. Once these factors are known, only then can South African Tourism be able to condition them positively for the benefit of the country’s economy. This research therefore sought to explore the factors influencing the stay duration and spending behaviour of international air tourists to South Africa and how these factors can be developed to increase tourists’ length of stay and spending in South Africa. Hence the aim of this research was to identify and analyse factors that influence length of stay and spending behaviour of international tourists reaching South Africa by air and in both cases, attention was given to the intrinsic and extrinsic contributing factors. Literature was reviewed on tourists’ travel behaviour by means of an in-depth discussion of travel motivations in general and travel motivations to South Africa specifically, tourists’ decision-making process, type of holiday decisions tourists makes, and the factors that influence these tourists’ decisions. The composition of the total tourism product was also analysed as this has an influence on tourists’ travel behaviour. This was followed by a comprehensive analysis of literature concerning tourists’ spending behaviour and visitors’ length of stay, which form the pith of this study. The analysis focused on the definition of concepts such as tourists’ length of stay and spending behaviour, the importance of length of stay and spending behaviour of tourists in tourism, how tourism spending is measured, how tourism expenditure data is gathered, what constitutes tourism spending/expenditure and lastly the factors which influence tourists’ length of stay and spending behaviour. A quantitative paradigm in the form of a sample survey was used in conducting this research. This research follows a cross-sectional design (exploratory and descriptive in nature at the same time) which involves the collection of data on more than one case and at a single point in time. The target population of this study comprised international tourists who visited South Africa by air. These visitors were accessed at one of the top tourist attractions in Cape Town (one of the most popular cities for international tourists) namely Table Mountain Cable Way. Table Mountain was selected as a data collection hub as it enjoys the lion’s share of South Africa’s international tourist arrivals. According to the Table Mountain Aerial Cableway Company (TMACC2014:11), Table Mountain was named Africa’s leading tourist attraction in the World Travel Awards 2014 which makes it possible to pull many international tourists to the country of South Africa. Guided by previous similar studies, the sample size for this study was predetermined at 800 respondents of which 720 were completed without error signifying a response rate of 90%. A non-probability sampling technique namely convenience sampling was chosen for this survey as no list was available on who would be visiting the Table Mountain Arial Cable Way. The 800 international tourists were therefore purposively (only international visitors) and conveniently recruited depending on their willingness to participate in the research project; thus, a non-probability sampling technique was followed. Through the researcher distributing the questionnaire in person and using own judgement, a diverse range of nationalities, age groups and gender was included in the sample for it to be a close representation of all the visitors to South Africa as well as of the phenomenon under investigation. The questionnaire was designed and used to obtain detailed data on travel motivations, spending patterns and length of stay of the international air tourist market to South Africa. The questionnaire was designed from previous studies related to the above key variables and this added to the content validity of the questionnaire. A pre-test study was conducted by means of 10 survey questionnaires administered to academic experts at a University who had travelled abroad, and this added to the face validity of the questionnaire. The Statistical Package for the Social Sciences (SPSS) version 23.0 for Windows was used to analyse the data and data gathered was presented by means of frequency tables and analytically described, subjected to exploratory factor analysis, one-way analysis of variances (ANOVA), t-tests, and Spearman’s rank order correlation analysis to establish the relationships between variables. Based on the empirical findings of this research project it is concluded that more males than females participated in this research and on average the age of the participants is 41 years, mostly married people and mainly staying in hotels and lodges. A variety of nationalities participated in this research but most of the respondents were from USA, UK followed by a huge margin from Germany, Netherlands and Australia, a profile which matches that of typical visitors to South Africa and were holders of a degree or diploma, followed by those with a postgraduate qualification with the majority being professionals followed by those in managerial positions. Most of the respondents to the study were first-time visitors to South Africa, travelling in a group of 3 or less people, and the average number of people in the travel group was 4 people and the average number of previous visits to South Africa was 1.68 times. Many of the respondents to this study travelled to South Africa mainly for holiday/leisure mostly to enjoy the natural attractions of South Africa since they placed high importance on appreciation of natural resources, enjoyment of beautiful scenery and sightseeing of tourist spots as important travel motivators. Most of the respondents to this study stayed on average 16.42 days which is higher than the annual average length of stay of international tourists. This information is very important from a marketing perspective as it helps in the profiling of tourists, targeting, tourism product development and positioning. Of importance as well is the fact that that the bigger the travel group the higher their spending will be. The most important aspects directly and significantly influencing length of stay were time constraints, the location of South Africa and financial constraints. It can be concluded that length of stay, availability of time to shop and respondents’ experience as a tourist directly and significantly contributes to visitor spending while interaction with the locals does not. The main travel motivations of international tourists to South Africa were Relaxation and Novelty, Social motivations, Cultural and heritage motivations, Personal Motivations and Destination motivations, of which Relaxation and Novelty and Cultural and Heritage motivations were rated high as travel motivations of tourists to South Africa. The main factors influencing length of stay of the respondents to this study were Personal experience, Access attributes, Destination attributes and Personal constraints. Of these factors, personal constraints and destination attributes ranked the highest as influencers of tourists’ length of stay. The respondents’ length of stay was least influenced by access attributes. The main factors influencing tourist spending patterns as determined by the factor analysis were: “Access and opportunity”, “Time availability” and “External influences”. Tourists’ spending was to a larger extent influenced by time availability followed by access and opportunity but least affected by external influences. The recommendations to increase length of stay and spending of inbound air tourists to South Africa made in this study are specific to South Africa as they were derived from a deep exploration of factors that influence air tourists’ length of stay and spending behaviour to South Africa. If South African Tourism, tourism industry associations and business owners implement these recommendations, this will improve both stay duration and spending of inbound air tourists to South Africa which has been fluctuating and showing slow growth. The recommendations most importantly add to literature that was lacking from a South African perspective on how length of stay and spending can be positively influenced for inbound air tourists to South Africa. The recommendations are as follows: South African Tourism, various industry associations (FEDHASA, ASATA, GHASA, RASA, SATSA), tour operators and travel agents, individual tourism and hospitality business companies that offer tourism products and services to inbound air tourists should take into consideration that length of stay is inhibited by personal constraints. It is thus important to offer value for money to the tourists. Continuous creative marketing strategies should be employed to attract long staying tourists to this country. South African Tourism, tourism business owners and industry associations should utilise new approaches and strategies that provides information about diverse range of attractions, spending opportunities and facilitate easy access as these are important to tourists who stay longer. Tourists’ personal experiences have a significant influence on tourists’ decisions to stay for longer periods hence South African Tourism and respective industry associations should offer thorough training to tourism and hospitality product/service providers and employees to enhance quality interaction with the visitors as this has a significant influence on the tourists’ decisions to stay longer in South Africa. Tourists that have been to South Africa before were influenced by personal experiences to stay for longer periods while the older and higher educated tourists were less influenced by the length of stay factors owing to their experience and confidence of what they want from a holiday in South Africa. South African Tourism, industry associations and tourism business owners should therefore target repeat visitors and the old, educated tourist market as they tend to stay for longer periods thus adding to the economic returns through their prolonged spending. Tourists that travel in larger groups are influenced by personal constraints, namely time and money; hence creating opportunities for value packages by tourism business owners in conjunction with wholesale and retail travel companies will ensure that this market stays longer in South Africa. Since destination attributes have proven to significantly influence length of stay of international tourists to South Africa, South Africa Tourism needs to create awareness on tourism opportunities that are not fully realised. This will increase tourists’ knowledge of the wide variety of activities and attractions to see in South Africa; hence they will budget long enough time to enjoy these products. Since spending patterns of tourists are influenced by time availability, if tourists stay longer, they will have enough time to shop and to experience destination products and services; hence their spending will rise. It is important to improve the environment related to Access and opportunity, Time availability and External influences as these factors influence how much tourists spend in the destination visited. The most important aspect to give attention to in order increase tourists’ spending is time availability. Opportunities should be created for tourists to spend money, which should be communicated on various platforms. South African Businesses that offer shopping opportunities (especially in shopping malls) should extend shopping hours late in the evening to allow tourists time to shop but safety and security should be geared up. Most of the tours do not always offer ample time for shopping and this should be communicated to the tour operators as it will also assist the local economy to grow.

Thesis (Ph.D. (Public Administration)) -- University of Limpopo, 2017 / This study was undertaken in four villages which are Makgemeng, Maroga Phalatseng, Mooihoek, and Legabeng, in the Limpopo Province. The aim of the study was to examine whether local communities were benefitting from the local mine, whether the mine promoted an acceptable number of LED projects; whether the mine complied with the Mineral Petroleum and Resources Development Act 2002 (MPRDA), initiatives such as Black Economic Empowerment and Social Labour Policies, and whether the mine helped the development of the local economy, and whether the mine promoted job creation through down-streaming beneficiation which is the core beneficiation form where a mineral is extracted, processed and sold as a finished product and side streaming beneficiation which is an extended form of beneficiation through infrastructures, roads, harbours, airports, railways, institutions The study was anchored on the modernisation theory with a focus on the Sachs economic stages. Four hundred participants took part in the study. The mixed methods research design which integrates both quantitative and qualitative was applied since the study was aimed at exploring and giving in-depth analysis of the relationship between mineral resource wealth gained by the mining industry, and the ongoing poverty and marginalisation in the four rural mining communities. Literature reviewed for the study establishes that despite mining legislation, local economic development growth in rural mining communities remains problematic due to lack of compliance of the Mining Charter which is a legislative instrument of the MPRDA. South Africa has not managed to advance its state of manufacturing through mineral beneficiation as it continues to export minerals partially processed thereby missing out on the full economic value of job creation and industrialisation. Moreover, minimal transformation amongst the Blacks in the rural mining communities has transpired as envisioned under the MPRDA. Instead, an elite core of Blacks have broken into the mining industry while a majority remain marginalised. It is argued that for South Africa to succeed in promoting mineral industrialization through LED in rural communities, it will have to address the challenges that rural typologies mining communities face which include challenges at municipal capacity level, lack of policy alignment between local and national government, historical mistrust between the mining industry and the community, spatial economics and minimal business attraction. Globalisation it is argued can also be addressed better through the modernization framework which promotes strong state intervention of legislative oversight. Most industrialised states it is asserted reached the final economic stage of services through iii interventionist procedures unlike neoliberalism which promotes minimal state participation in the business sector. Neoliberalism has been the bedrock of South Africa’s economic policies since 1994. Due to neoliberalism, South Africa has been forced to take into consideration global trends focused on increasing economic interdependence, and also constrained the ability of South Africa’s ability to diversify its mining sector and communities. The findings confirm that the Department of Mineral Resources (DMR) should create a program that will serve as a one stop shop to provide mining information for the local government on mining programs facilitated, and ensure that they are managed properly with the communities involved. This program should also capacitate the local government officials in addressing legislative oversight issues such as Social labour policies with the mines so that they don’t go unchecked. Most of the community members perceived that the mine was not genuinely interested in promoting the development of their communities, particularly in regards to LED projects. The government also need to address the low literacy rate at the mining rural communities which has become a roadblock for transformation. Industrialisation requires a qualified human stock that would be able to professionally deliver on BEE related services and development. For MPRDA to succeed as a beneficiation tool, it can only be accomplished through human resource development beginning at basic education. Value-addition to minerals is only achievable by a well-trained and fully equipped labour force The study also confirmed that the mines were unwilling to engage with the communities, did not understand the communities, were not transparent with them on tenders or procurements, and made minimal effort to assist develop the communities. A majority of the mines did not participate in the integrated development plan, and most of the community members indicated that the mine did not view them as stakeholders. Lack of corporate social responsibility efforts to alleviate poverty in the communities will only further tension and conflict within the community. Moreover, this continued practice by the mines perpetuates lack of transformation as required by the MPRDA leading the mining industry to remains predominately under the control of white owned companies and rural communities to remain marginalized and undeveloped. In summary, the DMR should stop relying on the mines to transform and comply to all the MPRDA requirements without any form of effective oversight. / Human Science Research Council (HSRC)

Thesis (Ph.D. (Public Administration)) -- University of Limpopo, 2022 / The New Public Management (NPM) movement brought about by the changes that occurred after the first democratic elections in South Africa in 1994. The changes impact on how the three spheres of government; that is, National, Provincial and Local ought to operate when rendering services to the public. These imperatives inspired this research project. Furthermore, quality service is expected to meet acceptable service standards as promulgated in the Act of Parliament. One of them being the Batho Pele White Paper (White Paper on the Transformation of the Public Service, 1997). Public Administration is governed by principles and values as enshrined in Chapter 10 of the Constitution, Section 195(1). These legislations and related regulations bring competitive public value approach in the running of local municipalities. Locals municipalities are considered drivers of service delivery in the local government sphere, one may call it the engine or heart of Public Administration. This study, therefore, seeks to highlight leadership challenges in South African municipalities from an organisational culture and leadership perspective, with the City of Tshwane Metropolitan Municipality as a research site. This study is guided by the following research questions: Why is service delivery remaining a challenge amidst the existence of regulatory and institutional frameworks in South African municipalities? How can leadership be used to influence change in the municipalities? In South Africa, the local government has undergone numerous reforms, yet elements of bureaucracy are still highly prevalent. Bureaucratic structures like municipalities require leaders and employees with specific behaviours in a particular manner and according to a specific rule. Bureaucracy by its nature limits leaders from being flexible in making decisions that are suitable to address specific issues in different situations while at the same time being compliant with the legislation that governs them. Municipalities are then faced with a challenge of not having flexible and innovative leadership that is willing to boldly take calculated risks to address the challenges of service delivery within the legal framework. This leadership challenge makes it difficult to embed culture change in the public sector. This study posits that there is a need for a culture change to outgrow the outdated bureaucracies in an effort to allow for flexibility, innovation in leadership to ease the tension between these bureaucracies and have the desire to provide quality service while being compliant with the legislation. This research argues that organisational culture is tied to leadership traits when attempting to address service delivery challenges in South African municipalities. A responsive and accountable culture should model the values and principles of the Constitution without fear or favour, and make realistic cost-effective and visible change that will address the imbalances of apartheid municipal system of government. This research has it that leadership influences culture and supports and operationalises it. As much as it acknowledges other theories of leadership in the context of the current diverse challenges that municipalities confront, this study perceives that the contingency theory stands out. The contingency theory allows innovation and flexibility for different situations. It is not rigid and allows for the internal and external adaptation of culture that is effective and suitable for different situations. One size does not fit all in the application of the contingency theory leadership approach. Municipalities and organisations need leadership that is open to change, encourage and support innovation for its competitiveness and survival. For the success of culture change, leaders of organisations need to change their leadership practices, behaviour, decision making, communicate, and create a conducive environment for new ideas, constructive criticism, responsive and accountable. Kanyane (2014:89) reminds us that “the need to improve performance was underpinned by the State’s acceptance of the municipal service delivery challenges that to access descent municipal services was no longer a privilege to be enjoyed by a few.” Leaders are agents and catalyst of change. As Schein,2004: 20 puts it, “Leadership and change are two sides of a coin, the one cannot exist without the other.” Further, leaders must walk the talk if they want to lead. Should they fail to manage the sub-cultures in the organisations they lead, those sub-cultures will end up managing the overall organisational culture. Municipalities and organisations need leaders who are keen to introduce effective culture change that is results-oriented. The stability of effective culture change comes through feedback from the environment and not from the leader because the recipient of service shall have experienced it (Kuppler & Schein, 2016 / National Institute for the Humanities and Social Sciences (NIHSS) and South African Humanities Deans’ Association (SAHUDA)

This study provides evidence of the relationship between bank-granted credit and business cycles in South Africa. The study is conducted in three phases, namely qualitative research (Phase I), quantitative research (Phase II) and econometric analysis (Phase III). A sequential (connected data) mixed methodology (Phase I and II) is used to collect and analyze primary data from market participants. The qualitative research (Phase I) involves structured interviews with influential or well informed people on the subject matter. Phase I of the study is used to understand the key determinants of bank credit in South Africa and to appreciate how each of the credit aggregates behaves during alternate business cycles. Qualitative survey results suggest key determinants of commercial bank credit in South Africa as economic growth, collateral value, bank competition, money supply, deposit liabilities, capital requirements, bank lending rates and inflation. The qualitative results are used to formulate questions of the structured survey questionnaire (Quantitative research- Phase II). The ANOVA and Pearman’s product correlation analysis techniques are used to assess relationship between variables. The quantitative results show that there is direct and positive relationship between bank lending behavior and credit aggregates namely economic growth, collateral value, bank competition and money supply. On the other hand, the results show that there is a negative relationship between credit growth and bank capital and lending rates. Overall, the quantitative findings show that bank lending in South Africa is procyclical. The survey results indicate that the case for demand-following hypothesis is stronger than supply-leading hypothesis in South Africa. The econometric methodology is used to augment results of the survey study. Phase III of the study re-examines econometric relationship between bank lending and business cycles. The study employs cointegration and vector error correction model (VECM) techniques in order to test for existence of long-run relationship between the selected variables. Granger causality test technique is applied to the variables of interest to test for direction of causation between variables. The study uses quarterly data for the period of 1980:Q1 to 2013:Q4. Business cycles are determined and measured by Gross Domestic Product at market prices while bank-granted credit is proxied by credit extension to the private sector. The econometric test results show that there is a significant long-run relationship between economic growth and bank credit extension. The Granger causality test provides evidence of unidirectional causal relationship with direction from economic growth to credit extension for South Africa. The study results indicate that the case for demand-following hypothesis is stronger than supply-leading hypothesis in South Africa. Economic growth spurs credit market development in South Africa. Overall, the results show that there is a stable long-run relationship between macroeconomic business cycles and real credit growth in South Africa. The results show that economic growth significantly causes and stimulates bank credit. The study, therefore, recommends that South Africa needs to give policy priority to promotion and development of the real sector of the economy to propel and accelerate credit extension. Economic growth is considered as the significant policy variable to stimulate credit extension. The findings therefore hold important implications for both theory and policy. / Business Management / D.B.L.

Dissertation submitted in compliance with the requirements for the Masters Degree in Technology: Business Administration, Durban University of Technology, 2013. / This study explores the factors that limit the long-term survival and development of micro and survivalist enterprises of a selected informal sector in Durban, KwaZulu-Natal (KZN). Micro and survivalist enterprises play an important role in the South African economy, but despite their significance, several studies have shown that these enterprises fail within their first five years. The high failure rate is partially attributed to lack of support from external sources of support as well as the enterprises’ own internal weaknesses. The study was descriptive, exploratory and quantitative in nature. Questionnaires were used to gather data. The questionnaires were personally distributed at the business sites of the respondents. The respondents consisted of 108 micro and survivalist enterprises of a selected informal sector in Durban, who were selected by means of a non-probability sampling method. The results obtained identified a number of limiting factors for the selected informal enterprises’ long-term survival and development. The limiting factors, that are internal to the businesses, included: poor planning, lack of networking, insufficient business experience, poor pricing knowledge, managerial and business knowledge incompetence and lack of literacy, education and training. Those that are external to the businesses comprised of inadequate knowledge in terms of the institutional and supportive environment. Few respondents knew about financial and non-financial services and access to training and development programmes provided by government, semi-government and other institutions. As a result, recommendations to increase awareness of the different incentives available to micro and survivalist enterprises have been set.