No abstract available. / Thesis (M.T.R.P.)-University of Natal, 2001.

There has been an expansion of the informal economy globally, in both developed and developing countries. Among those joining the informal economy are Zimbabwean cross border traders coming to South Africa. This study explores the business environment within which the Zimbabwean cross border traders coming to South Africa operate. It gives an overview of the demographics of traders, the socioeconomic and political environment in which they operate and the nature of their supply relations. It also explores trader's experiences, the problems they face, the role of financial and social capital and the economic contribution of traders. The study made use of business tools, thus introducing new dimension of analysis into the field of informal economy studies. This study not only fills a gap in the literature on migration and informal activities but also concludes by making key policy recommendations. / Thesis (M.A.)-University of Natal, Durban, 2003.

No abstract available. / Thesis (M.Dev.Studies)-University of KwaZulu-Natal, Durban, 2005.

The study examines the woodcraft trade in the Hazyview area through the application of the value chain methodology as adapted from the works of writers such as Kaplinsky and Morris (2001), McCormick and Schmitz (2002) and Sturgeon (2001). Several methods of collecting data were employed (triangulation): value chain analysis, interviews, observation and focus group discussions. The findings reveal that the woodcraft value chain comprises several actors: the informal craft workers, assistant craft workers, retailers and consumers of crafts, located at the various levels of the chain. The informal craft workers, who are the main focus of this study, are mostly involved in the production and selling level of the value chain, while the formal traders (e.g. craft retailers, wholesalers, curio shop owners) are involved in selling, marketing and branding of the crafts. Although craft workers also sell and 'market' their crafts by the roadside, the findings show that these activities do not yield substantial profit for them, as they lack the necessary rents to make a sustainable income out of crafts. The lack of innovation (introduction of new products), product diversification, access to new markets, and other factors that characterize the informal wood craft trade have implications in terms of competitiveness and the sustainability of the woodcraft trade as a source of income of the informal traders. The findings show that the challenges facing the informal woodcraft traders are also aggravated by high levels of competition that has emerged in recent years due to globalization and democratization, which have seen the opening of South African borders to craft workers from other parts of the world, especially Africa. Of importance though is the fact that the informal traders lack crucial rents that are essential for them to remain competitive. These rents include: resource, marketing, infrastructure, financial and policy rents. The findings show that, unless traders acquire these rents their trade remains uncompetitive and unsustainable. There are also economic and environmental implications emanating from the findings as the analysis shows that wood for carving is no longer a free natural resource as it used to be in the past years, but a scarce economic resource. The analysis further shows that the problems that traders experience are both endogenous and exogenous in nature. It is clear that traders need to deal with endogenous issues such as innovation, upgrading of the value chains, diversification and other internal issues and processes. With the necessary support, traders could deal with these problems. Policy would, however, need to address exogenous issues such as controlling the flooding of the SA craft market with cheap crafts, mostly from the neighbouring states and other countries in Africa (not excluding countries outside the continent of Africa). Creating an 'enabling environment' for the woodcraft trade is important e.g. Financial, logistic, capital and other support measures. Indeed, what has emerged in the analysis of this study is that people's livelihoods (under the current and prevailing conditions) are under threat. In the context of poverty and high unemployment levels, something would have to be done to deal with the crisis facing the informal traders. This study concludes by making the necessary recommendations on what could be done to redress the situation. / Thesis (M.Dev.Studies)-University of KwaZulu-Natal, Durban, 2004.

This study is concerned with the start-up of small business ventures and the ultimate success of these small businesses. Research was carried out in the Limpopo Province of South Africa, which is mainly a very rural, under-developed province. Unemployment is high and much of the population is faced with the challenge of earning income from means other than in formal employment. However, the failure rate of the small business start-ups is extremely high. The study addresses the question whether or not there are leading indicators that will help to predict future success in business, specifically whether the personal profile can indicate the probability of future success. In summary the research found that no significant correlation existed between business growth and personality profile when measured with the established business group, when using the DISCUSTM personality profile test. This could be due to either one or both the following reasons: • No correlation exists between personality profile, success and growth, or • the DISCUSTM personality profile test's entrepreneurial category job match is not valid and reliable, and an alternative personality profile for this particular job match category needs to be developed. Secondly, a significant relationship was found to exist between level of literacy and start-up success according to the longitudinal study of a student group. No correlation was found to exist between level of numeracy and start-up success. Although there was a correlation between personality profile test results and start-up success with the student group, it can not be stated at this stage that this is a leading indicator for future business growth and sustainability, as success was only measured at start-up. These start-up businesses need to be monitored at least over the next three years in order to measure the internal growth of the businesses as compared to those achieved by the established business group. This is an area for further research. / Thesis (M.Com.)-University of Natal, Durban, 2002.

Rutherford's research demonstrates that "the poor can save, do save, and want to save money" (Rutherford, 1999: 7). Furthermore, if given a formal bank account this correlates with the poor being more likely to save (Porteous and Hazelhurst, 2004: 63). But in 2004, the unbanked made up 54.5% of the South African adult population (FinScope, 2006: 18). In the same year, to draw more people into the realm of the banked the Mzansi account was launched. The account is a first order transactional product and a saving service which targets poor clients from LSM 1-5. Mzansi account holders are found to be significantly more likely to be informally employed or unemployed (Porteous, 2007: 10). Yet there is a research gap about the financial behaviour of those working informally. This study draws on the experiences of women working in the informal economy who utilise the Mzansi account. It aims to determine the limitations and benefits of the account. It also seeks to learn what role the Mzansi account plays in the savings habits of the women and how it influences their livelihood strategies. This is with a view to recommending how the services of the Mzansi account can be improved so as to maximise its support of informal workers. The research suggests that the intrinsic benefits of the Mzansi account are that the account's bank charges are lower compared to other bank accounts, a small initial deposit is needed to open the Mzansi account and a proper address is not required to open the account. The interviewees highlight five day-to-day limitations on the Mzansi account. First, interviewees identify the lack of a bank book to view the transactional activities occurring in the account as a problem. Second, the cap on the account where a maximum of Rl5 000 is only permitted hinders the potential to save money in the account and receIve insurance pay outs. Third, the cost and frequency of bank charges are still expensive. Fourth, the distance to access banks or ATMs for the women in semi-rural areas makes it difficult and costly for them to access their bank account. Lastly the issue of crime is a problem when utilising ATMs. Savings from the Mzansi account influence livelihood outcomes by enabling investment in funeral insurance through debit orders. This investment helps mitigate future vulnerability. In terms of livelihoods and the women's businesses, the savings from the Mzansi account are used for the purchasing of stock. This may not improve livelihood outcomes by generating further income but it maintains the women's business stability. money" (Rutherford, 1999: 7). Furthermore, if given a formal bank account this correlates with the poor being more likely to save (Porteous and Hazelhurst, 2004: 63). But in 2004, the unbanked made up 54.5% of the South African adult population (FinScope, 2006: 18). In the same year, to draw more people into the realm of the banked the Mzansi account was launched. The account is a first order transactional product and a saving service which targets poor clients from LSM 1-5. Mzansi account holders are found to be significantly more likely to be informally employed or unemployed (Porteous, 2007: 10). Yet there is a research gap about the financial behaviour of those working informally. This study draws on the experiences of women working in the informal economy who utilise the Mzansi account. It aims to determine the limitations and benefits of the account. It also seeks to learn what role the Mzansi account plays in the savings habits of the women and how it influences their livelihood strategies. This is with a view to recommending how the services of the Mzansi account can be improved so as to maximise its support of informal workers. The research suggests that the intrinsic benefits of the Mzansi account are that the account's bank charges are lower compared to other bank accounts, a small initial deposit is needed to open the Mzansi account and a proper address is not required to open the account. The interviewees highlight five day-to-day limitations on the Mzansi account. First, interviewees identify the lack of a bank book to view the transactional activities occurring in the account as a problem. Second, the cap on the account where a maximum of Rl5 000 is only permitted hinders the potential to save money in the account and receIve insurance pay outs. Third, the cost and frequency of bank charges are still expensive. Fourth, the distance to access banks or ATMs for the women in semi-rural areas makes it difficult and costly for them to access their bank account. Lastly the issue of crime is a problem when utilising ATMs. Savings from the Mzansi account influence livelihood outcomes by enabling investment in funeral insurance through debit orders. This investment helps mitigate future vulnerability. In terms of livelihoods and the women's businesses, the savings from the Mzansi account are used for the purchasing of stock. This may not improve livelihood outcomes by generating further income but it maintains the women's business stability. / Thesis (M.A.)-University of KwaZulu-Natal, Durban, 2008.

No abstract available. / Thesis (M.Dev.Studies)-University of Natal, Durban, 2003.

The aim of the research was to identify the constraints that restrict the development of informal and small formal retailers, and highlight potential opportunities that may assist in strengthening their position within the value chain. It explored the functioning of two municipal-managed static fresh produce markets in KwaZulu-Natal: Durban and Pietermaritzburg. The investigation revealed that informal and small formal retailers have relatively little impact on the fresh produce value chain and that the structure of static markets is not conducive to these groups because of their lack of capital and inability to buy produce in bulk. Predominant constraints to their economic growth include high cost of transport, high prices of produce and competition with other traders. In addition, police harassment was identified in Durban as one of the dominant constraints, but was not reflected in Pietermaritzburg. However, opportunities for small and informal retailers to strengthen their position were identified as increasing the market access for retailers, through the provision of transport, informal training workshops, cold storage facilities in the city, the formation of cooperatives and access to micro-credit. This research argues that attention must be given to enhancing the interests and role of small and informal retailers in governance and operational processes within fresh produce markets. The necessity of the development of social networks (also argued by Meagher 1995) is a critical factor in determining the success of informal and micro enterprises and could contribute to institutional reforms that help address the information and access asymmetries in the fresh produce market environment. Following the completion of this dissertation, it was distributed along with the appended log frames to the management at the Durban and Pietermaritzburg, market agents and informal retailer groups that participated. It will also be disseminated through the Learning, Monitoring and Research Facility, who funded part of the research, and is hoped that the information will aid informal retailers and empower those that were involved. / Thesis (M.A.)-University of KwaZulu-Natal, 2008.

In the past few years there has been a dramatic increase in research dealing with the informal sector in South Africa. This research is often motivated by academic curiosity as well as a growing concern over poverty and unemployment among South Africa's blacks. It has increasingly been suggested by academics, businessmen and government officials that the informal sector be developed and encouraged in appropriate directions in order to provide employment opportunities. This thesis is a case study of a group of people who are officially unemployed, and who work in the informal sector in order to survive. The economic activity they are involved with, represents a subsector of the informal sector namely, garbage picking. The first question that is addressed in the study deals with the problems inherent in the conceptualisation of the informal sector. There are many interpretations of what comprises this sector, depending in part on the stage of development that has been reached by the local economy and on the theoretical perspective used in the analysis. There are also many perspectives on whether the sector is independent and autonomous and on the extent to which it is intergrated into the economy of a country. Chapters 1 and 2 contain critical examination of the literature dealing with these aspects. In chapter 3 the characteristics of the informal sector are studied. Several case studies from different parts of the world are examined. Chapter 4 examines the marginality concept in relation to the garbage pickers with a view to determining the extent to which these people are marginalised in society. Attention is then directed towards the particular case study. The characteristics of garbage picking and the people who do this work, as well as the conditions under which they work, are examined in chapters 5, 6, 7, 8 and 9 of the thesis. The results show that there is very little potential for the garbage picker to improve his/her position within the informal sector. The garbage pickers regard formal sector employment as their only way out of their present position and, given present circumstances, it seems that their view is correct. However, since the likelihood of their finding formal wage employment seems very limited, alternatives were examined and it seems that within the garbage industry the potential does exist to create formal sector jobs for the pickers. This potential can, however, only be realised once the garbage industry recognises this and re-organise itself to employ these people on a permanent basis. / Thesis (M.Dev.Studies)-University of Natal, 1987.

This study was prompted by the lack of information on women traders associations in the African context. Women’s participation in the informal economy is increasing due to factors such as high unemployment rate, women’s lower education level compared to men and, the flexibility of entry and exit in the informal sector compared to the formal sector. In general, informal workers do not hold any formal contract determining minimum wage, employment benefits or social protection. Women continue to face very high barriers to have access to education and training because of the on going gender biases in many societies. Traders associations could hold the potential to relieve women traders from their daily burdens in public markets. This study uses the theory of social exclusion to examine different barriers women face in the market, and the role of traders associations hold in their inclusion. The nature of the informal sector makes it difficult for traders associations to organise and provide services to their women members. Poorer women within traders associations have serious challenges in trying to be more assertive in their local communities and markets. Gender, class, kinship and ethnicity could all combine to account for their low status in their communities. Women’s integration within trade organisations depends largely on the negotiation of their terms of inclusion. Unfair terms of inclusion can potentially lead and continue unequal power relations as well as wealth inequality among traders. Qualitative methods were used in this study of women traders in St Balikuddembe market, Kampala, Uganda. Over a period of six weeks, 25 days were spent in the market carefully observing women at work, and then conducting 20 individual interviews and two focus group discussions. The role which traders associations play in women’s lives, the influence they hold in the association and the procedure of integration in the market were examined. The study revealed that the size of the main traders association for women determines the level of exclusion and its implication in its women members lives. Although OWA could be defined as an MBO, there is in fact a gap in their organisational structures in order to help women integrate better the market. It is in fact too large to be able to reach members, and is not accountable to them. The effect of social exclusion was identified in the gender, class and age of the women. Women traders of St Balikuddembe market, in trying to achieve inclusion, form smaller self- help groups in addition to the large one. Both kinds of association play very different roles and perform different functions which are equally important in the lives of the women traders. / Thesis (M.Dev.Studies)-University of KwaZulu-Natal, Durban, 2011.