Thesis (MTech (Business Administration))--Cape Peninsula University of Technology, 2017. / The ANC government relaxed a great many restrictions enforced by the apartheid regime. The restrictions included the illegal status of the spaza shops which operated in the townships. Faced with the challenge of unemployment, the present government crafted policies and programmes to support and promote the creation of Small, Medium and Micro-sized Enterprises or SMMEs. However, despite all of these initiatives, the small grocery shops which are commonly known as spaza shops, and particularly those owned by South Africans, are faced with a number of obstacles with respect to the establishment, operation and growth. This study was undertaken in order to determine the factors which affect the startup and growth of locally owned spaza shops in the Gugulethu and Nyanga townships in Cape Town, and to identify the support strategies necessary to assist these shops to grow into sustainable businesses. The study was motivated by the growing informal economy which, if it is effectively taken advantage of and made use of, can, to some extent, create employment opportunities, particularly for the previously disadvantaged people in both the Gugulethu and the Nyanga townships. The study employed an exploratory and descriptive research design, and a quantitative empirical research approach, through the use of a self-administered questionnaire. The findings of the research study revealed that there are significant challenges which adversely affect South African-owned spaza shops, and that obstacles are encountered during the startup and growth phases. Although the factors which affect the spaza shops adversely are many, it is important to single out the most significant ones. The significant factors evidence from the study were a lack of startup and expansion capital, load shedding, the lack of a network to buy cheaply in bulk, competition from non-South African entrepreneurs, crime, costs incurred by transportation of stock, a lack of collateral security to obtain finance from lenders, inadequate ability to handle financial records, a lack of management skills and a lack of information concerning government services.

Research Report submitted in partial fulfilment of the requirements of a Master of Arts Degree in Development studies by Coursework and Research Report. Faculty of Humanities, University of Witwatersrand 2016 / This study explored cash circulation channels adopted by unbanked migrants in Pretoria Central Business District (CBD), South Africa. To understand the complex nature of cash circulation and the subjective practices of migrants, in-depth interviews were conducted with sixteen migrants selected through snowballing sampling. Collected primary data were analysed thematically, from particular to general themes depending on the responses provided by the informants. The study adopted the Sustainable Livelihoods Framework (SLF) as an analytical tool to show how in the face of structural and institutional barriers, unbanked migrants have the capability to adopt digital solutions and socially embedded channels which are more flexible and sustainable in their livelihoods. These include informal channels such as hawala, malaichas and digital solutions like Kawena and Mukuru. By using this framework, the report reveals what unbanked migrants are doing on the ground, what shapes adopted cash circulation processes and the resultant livelihood outcomes. The study aimed at contributing to previous research on money transfer mechanisms adopted by unbanked African migrants. The conclusion reached is that, by adopting various socially embedded cash circulation channels, unbanked migrants circumvent structural constraints and, by so doing, financially include more people who were previously excluded. Although the study was limited to a small sample, it raises strong implications for policy makers to look at the inherent strength of migrants as development actors. Findings from this exploratory study are critical in that they open new niches for research on migrants and financial exclusion in Africa and beyond. / GR2017

Thesis (M.Dev.) -- University of Limpopo, 2013 / The main focus of this study was to investigate the contribution made by SMMEs towards local economic development (LED) in Mankweng Township. To this end, specific working objectives were formulated as follows: to study the nature of SMMEs, to identify the challenges they face, to analyse the theory of local economic development and lastly, to study the role of SMMEs in local economic development. A variety of data collection methods were used in this study such as literature review, semi-structured questionnaires and observations. The study revealed that SMMEs represent a vital component of the local economic development process in Mankweng Township, and their contributions in terms of employment, income and poverty reduction is well acknowledged. However, SMMEs are constrained by a number of challenges such as lack of access to appropriate technology, limited access to markets, government regulations, lack of management skills and training, all of which hamper their development. Lack of access to finance remains the utmost constraint for most of SMMEs. In an attempt to enable the SMMEs sector to perform effectively and efficiently, a number of support initiatives were introduced by the South African government. This ranged from government institutions, private sectors, parastatals and NGOs. Conversely, access to these support initiatives remains a challenge for most entrepreneurs, as most of the SMMEs in Mankweng Township operate within the informal sector and they lack awareness of the support initiatives and structures provided by these institutions.

No description available.

No description available.

The dissertation examines the coping strategies of women curio sellers of the Durban Beachfront. In order to know the coping strategies employed the study looked at the problems that the curio sellers face. The understanding of the women's coping strategies by the service providers while addressing the needs of the curio sellers was also examined. The Fieldwork was conducted at the Durban Beachfront among a total of 35 women drawn through the accidental and snowball sampling techniques. Findings: Women curio sellers experience problems related to recognition of their work, capitaVcredit, shelter, accommodation, crime and laws that impede their business operations. Though these problems are quite crippling, women are not entirely helpless. They cope. The coping strategies of the curio sellers are both individual and collective. The individual coping strategies are used to deal with immediate problems and the collective strategies are used to tackle problems that women would not resolve as individuals. The collective efforts are transfonnative in that they seek to change women's position. The effectiveness of the coping strategies is demonstrated by the number of women that employ them and the gains made by using the strategies. Through collective coping strategies women have been able to get the authorities to act on the problems they face such as crime, shelter and accommodation. Coping strategies have implications for participation in endeavours to resolve the problems faced by the curio sellers. The service providers are aware of the problems faced by the women and some of the coping strategies that the traders employ. The service providers have made efforts to resolve the problems of the women but these efforts have not been fruitful. Women's coping strategies appear not to have been taken into consideration and their participation has not featured much in the planning and implementation of the programmes aimed at assisting them. For development programmes to be effective and sustainable, women's coping strategies need to be taken into account in the planning and implementation of development programmes. / Thesis (M.T.R.P.)-University of Natal, Durban, 1997.

No abstract available. / Thesis (M.T.R.P.)-University of Natal, Durban, 1997.

This study describes and analyzes the impact of Structural Adjustment Programmes (SAPs) on the Jos women in the informal sector, as well as the strategies women adopt to ensure the survival of their businesses and families. Studies that have investigated the impact of SAP on women in the informal sector tend to take a rather disparate approach. Against this background, the present study develops a coherent conceptual framework for understanding the impact of SAPs on women in the sector. From an interview survey conducted with one hundred and fifty (150) Jos women in the informal urban sector, the study elicited data on the activities of the women and the ways SAPs affect their access to productive and reproductive resources, as well as on the responses of the women to SAPs-engendered socio-economic hardships. The data reveal that the Jos women engage in numerous income-generating activities, mostly in small-scale, low-income circulatory and service activities which are largely marginalized and bereft of institutionalized resources. In addition to their productive and income-generating activities, the Jos women perform the bulk of the reproductive and domestic work necessary for the support of the family. As well, the women perform some extra-household work for the welfare of the community and environment. The study shows that the Jos women are adversely affected by SAPs. Structural Adjustment Programmes are further limiting their access to business commodities, credit, stalls, information and training, food, healthcare, education and transportation facilities. Consequently, women are finding it difficult to maintain their businesses and families. Amidst the adverse effects of SAPs, the women are resiliently and innovatively responding to SAPs through numerous business and familial survival strategies. In addition to the responses of the Jos women, the Nigerian State, is attempting to reduce poverty among women through its various women-centered programmes. The study attributes the adverse and limiting effects of SAPs on the Jos women's access to resources to a number of forces. These include (a) the Nigerian limited and discriminatory opportunity structures which predispose women to the largely marginalized informal activities, (b) the small-scale and low-income nature of women's informal activities, (c) the unequal and exploitative relationship between the informal and formal sectors in which women provide consumer goods at low-cost for the regeneration of capitalist labour, (d) the circulatory and service nature of women's informal activities, (e) the gender- and class-biased structures inherent in SAPs, as well as in SAPs' implementing mechanisms and institutions and (f) women's altruistic and selfless attitudes. The study observes that the responses of both the Jos women and the Nigerian State to SAPs-engendered hardships are, at best, palliative or even cosmetic. The responses do not address the strategic needs of women. Hence the study makes a case for a transformatory strategy through the empowerment of women.

Ce mémoire propose une analyse socio-historique d'un cas extrême de changement social par son ampleur et sa rapidité: l'apparition ex-nihilo, à partir des années 1990, d'une population de plus de 100 000 mineurs artisanaux en Mongolie. Pour ce faire, il offre, premièrement, des outils théoriques au lecteur pour comprendre la tension entre permanence et mouvement qui anime les sociétés humaines. Deuxièmement, il identifie les tendances récurrentes de l'histoire mongole pour rendre le présent plus intelligible. Troisièmement, il détaille les principales caractéristiques contemporaines de ce nouveau phénomène, ainsi que ses potentialités pour le proche avenir. Mais surtout, à chaque étape, il construit une théorie locale et partielle du changement social, qui montre l'impact croissant de l'État moderne et de son idéologie du progrès et de la rationalité dans la vie de tous les individus, qui laisse les plus marginaux d'entre eux de plus en plus dépourvus d'influence sur leur environnement. / This paper outlines a socio-historic analysis of an extreme case of social change in Mongolia in the 1990s, which saw the sudden emergence of more than 100 000 artisanal miners. The first chapter discusses the relevant concepts which assist to develop an understanding of the tensions between stability and movement in human societies and how this in turn produces change. The next chapter identifies the recurring trends of Mongolian history and how that contributes to the present situation. The final chapter details the characteristics of this phenomenon and how it might develop in the near future. This paper proposes a new theory that, applied to this specific case, illustrates the impacts of the modern state on each individual and how it diminishes control from the marginalised groups of society.

This thesis examines factors that determine household reliance on interlinked informal credit contracts for fish in the Peruvian Amazon, and the degree to which implicit interest rates in these contracts are explained by transaction costs, administrative costs and lender risk. / A probit model was used to determine household likelihood to borrow, using survey data collected in the region. This likelihood is found to depend on access to alternative activities to generate income, household resilience to income volatility, and demographics: age, education and mobility. / High implicit interest rates (112%) are not explained by the average costs (67%) incurred by local lenders. Market access and household demand elasticity seem to be the main factors determining the degree to which forest peasants are exploited. Local lenders are found to receive credit at rates below the cost to non-resident lenders who use the credit relationship to secure a supply of fish.