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Reservation income and the decision to borrow : an empirical analysis of interlinked informal credit contracts in the Peruvian AmazonKjüllerstrüm, Mónica Isabel Bento De Braga January 2002 (has links)
No description available.
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Contributions of informal trading towards urban livelihoods in Polokwane city central business District, Limpopo ProvinceMeso, Kevin Kwena January 2017 (has links)
Thesis (M.Dev. (Planning and Management)) -- University of Limpopo, 2017 / The central focus of this study was to investigate the contributions of informal trading
towards urban livelihoods in Polokwane CBD. A multiplicity of stressors and shocks
affect informal trading and its contributions towards urban livelihoods. Third world
African countries like Nigeria and Ghana inter alia take cognizance of the countless
external pressures and shocks that affect informal trading and its contributions towards
urban livelihoods. The South African reality is not any different, the local political,
social, economic and environmental elements that characterize the second economy
provides evidence of the countless stressors and shocks facing the practice of informal
trade. As a result, specific working objectives were formulated as follows: to
understand the typologies, characteristics and challenges of informal trading, to
evaluate the determinants of urban livelihoods, to analyze the contributions of informal
trading towards urban livelihoods; and, to recommend possible measures that would
improve informal trading and its contributions towards urban livelihoods. The study
utilizes evaluation analysis; evaluation based analysis allows for the appraisal of
disaggregated contributions of various informal trading activities on urban livelihoods.
In addition, the study employs both qualitative and quantitative research approaches;
hence, the use of descriptions, classifications and making connections will form an
integral part of the data analysis. The study adopts non-probability convenience
sampling in that the study area is convenient, accessible and comprises the required
features. Various data collection methods were used in this study, including: literature
review, questionnaire survey and observations. Importantly, the contributions of
informal trading towards urban livelihoods is predominantly an area of contestation
given various informal sector prospects and impediments. Furthermore, a host of
challenges, stressors and shocks affect the contributions of informal trading towards
urban livelihoods in Polokwane city CBD. Various economic, political, societal and
environmental stressors are regarded as negatively affecting informal trading. The
study argues that numerous challenges, stressors and shocks impinge on the abilities
of informal trading to positively contribute towards urban livelihoods notwithstanding
their capacity to absorb and seemingly sustain the indigent urbanites. The findings of
the study exhibit that multiple internal and external stressors, shocks and trails that
form part of the second economy deleteriously affect informal trading and its
contributions towards urban livelihoods at Polokwane CBD, Limpopo Province.
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The sustainability of credit assistance to the urban poor : a Philippine case studyTañada, Cristina R. January 1994 (has links)
No description available.
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Migration patterns of foreign informal traders at the Hartebeespoort DamViljoen, Johannes Hercules 30 June 2005 (has links)
This study aimed to determine the applicability of western migration models to the movement patterns of foreign migrant traders at the Hartebeespoort Dam. After reflecting on theoretical dimensions of migration and the informal sector, an overview was provided of the historical development of migration patterns to and within South Africa. The complex nature of migration phenomena ensures the application of qualitative and quantitative research methodologies. A snowball sampling technique was used to select 30 respondents for the purpose of the questionnaire survey. Information obtained from this survey was supplemented by five in-depth interviews. Descriptive statistical techniques were used to analyse the information obtained from the survey. The study concluded that western migration models do not offer adequate explanation for the migration patterns observed among foreign migrant traders at the Hartebeespoort Dam. The study also established the merit of the combined use of qualitative and quantitative research methodologies in migration studies. / Geography / M.A. (Geography)
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The informal sector and its taxation system in MozambiqueAlfredo, Benjamim 03 1900 (has links)
The genesis of the informal sector in Mozambique is similar to the
way it emerged in many other countries in the world, starting
mainly with small businesses performed by unemployed people,
peasent families, street vendors among others as their self
employment.
The informal sector offers a striking illustration of the strengths and
weakness of enterprises in Mozambique. A simple and
transparent legal framework, properly enforced is indispensable
for the long term success of the informal sector to turn to formal
sector. Taxation is controversary in the informal sector. The
existing tax system in Mozambique is distorced and naturally
contribute to a host of economic and social problems. The
needed for the reform of taxation system has been
acknowledged for instance the recent implementation of
VAT system in Mozambique still on process of implementation.
Taxes generated by the informal sector could contribute to the
budget of the State. / Mercantile Law / LL.M.
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African immigrant traders in Johannesburg inner city, South Africa : deconstructing the threatening otherMoyo, Inocent 05 1900 (has links)
African immigrants in contemporary South Africa can be perceived as a problem –
the threatening other. Based on a case study of the Johannesburg inner city, this
thesis aims to deconstruct this notion. It does so by investigating the nature and
types and contribution of African immigrant traders` businesses to the Johannesburg
inner city. In deconstructing the perception that African immigrants are the
threatening other, and being infinitely aware that perception issues and the
experiential realities hospitable to its centred on the human subject, this case study
adopted a humanist geographic and critical realist approach by deploying a
qualitative in-depth interview technique of both African immigrant and South African
traders. This thesis suggests three important outcomes. The first is that: to view all
African immigrants as the threatening other is too simplistic an assessment of an
otherwise complex and dynamic set of relationships and interrelationships amongst
and between African immigrant and South African traders. Second, some African
immigrant traders do make a meaningful contribution to the Johannesburg inner city,
whereas others do not. Third, the activities of African immigrant traders that may be
considered as a threat by a section of the population are treated as a benefit by
another. These nuanced insights and findings in this study not only render any
analysis that projects all African immigrants negatively as an incomplete appraisal,
but also suggest that it can never be correct to view them as such without capturing
the dynamics that this work suggests. Such a finding not only challenges distorted
and partial reporting by the media and also questions policies, which may be built on
the wrong assumption that all African immigrants are a problem, but also extends the
study of migration related issues in a South African context. / Geography / D. Litt. et. Phil. (Geography)
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Factors that limit the long-term survival and development of micro and survivalist enterprises of a selected informal sector in Durban, KwaZulu-Natal (KZN)Hutchinson, Maud Victoria 18 February 2014 (has links)
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.
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Essays on governance, public finance, and economic developmentOkumu, Ibrahim Mike January 2014 (has links)
This thesis is composed of three distinct but related essays. The first essay studies the role of the size of the economy in mitigating the impact of public sector corruption on economic development. The analysis is based on a dynamic general equilibrium model in which growth occurs endogenously through the invention and manufacture of new intermediate goods that are used in the production of output. Potential innovators decide to enter the market considering the fraction of future profits that may be lost to corruption. We find that depending on the number of times bribes are demanded, the size of the economy may be an important factor in determining the effects of corruption on innovation and economic growth. The second essay presents an occupational choice model in which a household can choose either formal or informal entrepreneurship or at the subsistence livelihood. Credit market constraints and initial wealth conditions (bequest) determine an agent's occupational choice. Corruption arises when bureaucrats exchange investment permits for bribes. Corruption worsens credit market constraints. Equilibrium with corruption is characterised by an increase (decrease) in informal (formal) entrepreneurship and a decrease in formal entrepreneurship wealth. Since corruption-induced credit constrained households choose informal entrepreneurship as opposed to subsistence livelihood income in the formal sector, the informal economy is shown to mitigate the extent of income inequality. The third essay explains the role of bureaucratic corruption in undermining public service delivery, public finance, and economic development through incentivising tax evasion. The analysis is based on a dynamic general equilibrium model in which a taxable household observes the quality of public services and decides whether or not to fulfil his tax obligation. Bureaucratic corruption compromises the quality of public services such that a taxable household develops incentives to evade tax payment. We show that corruption-induced tax evasion increases the likelihood of a budget deficit, renders tax payable increase counter-productive, and aggravates the negative effect of bureaucratic corruption on economic development.
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Exploring business and owner traits of small and medium enterprises that exhibit increased revenues in South African townships : the case of selected townships in StrandSondlo, Dumisani 12 1900 (has links)
Thesis (MPA)--Stellenbosch University, 2012. / ENGLISH ABSTRACT: Apart from meeting basic customer needs, small and medium enterprises in the townships are a source of employment and livelihood for many. Businesses in the townships of the Strand have mushroomed from a formerly neglected area, like others in various townships throughout South Africa. Yet very little is known about them and their owners. What are their characteristics? What traits distinguish those that make higher revenues from the rest?
Many of these small businesses have emerged without government assistance, even though such support is often seen as a non-factor in determining the rate of an enterprise’s growth. Entrepreneurship, as literature often explains, is a dynamic endeavour which requires a business founder to display both determination and skill. Yet very few businesses normally survive the early stages. Many aspects of entrepreneurship need to be practically learned to enable the business to overcome many prevalent obstacles, and thus enable the enterprise to grow and contribute to job-creation.
Not all entrepreneurs are alike in their capability to spot an opportunity. Also, entrepreneurs differ in their ability to either steer or set up systems to take an enterprise through its various transitions. Yet still, the financial strategic decisions made at inception stage often influence the rate at which businesses will generate revenues later in existence. Government, both local and national, has a responsibility to provide an enabling environment for businesses to thrive.
Using a study of spaza and informal trade done in the past by Unisa and by Bojanala Platinum District Municipality as a baseline, this study surveyed 60.6 percent of businesses in the Strand townships that were identified through the database of both Khanyolwethu School and Sinobulumko Business Association. The main areas of focus were – the socio-economic and demographic profile, the physical characteristics, financing, relationship with suppliers, transport, income/turnover and traits that distinguish higher-revenue businesses from others.
Analyses through the Mann-Whitney U, the Spearman's rank correlation coefficient, the chi-square and the Kruskal-Wallis test then showed that the businesses that tend to make larger monthly revenues are those that are owned by males, using cheque accounts for the business, and those whose main suppliers deliver merchandise to their premises. The businesses that make larger daily revenues were shown to be those that are owned by males, registered with CIPRO, using cheque accounts for the business and those whose owners have Grade 7 to 9 qualifications and above.
For government, the results of this study call for a further refining of the criteria used for loaning to businesses in townships, as well as to make the public more aware of the assistance provided by government’s business support agencies. For banks, the study calls for the designing of a ‘Spaza Account’, tailored to the needs and skills level of businesses owners in the townships. Socially, the study calls for the tearing down of all the walls that make it difficult for open trade to take place / AFRIKAANSE OPSOMMING: Klein besighede in informele nedersettings spreek die behoefte aan van kliënte en genereer ‘n tipe inkomste, maar daar is min kennis oor eienaars se belange. Besighede in die Strand se informele nedersettings was gestig in minderbevooregte gebiede, soos baie ander regdeur Suid Afrika. Watter karaktereienskappe beskik hierdie eienaars om ‘n beter inkomste te genereer as die res van die inwoners?
Baie van hierdie besighede het ontstaan sonder enige hulp van regering instansies ten spyte van ondersteuningsdienste wat aan hulle beskikbaar was. Afhangende van die groei van die besigheidseienaar word dit in elk geval nie in ag geneem nie. Entrepreneurskap verduidelik letterlik dat die besigheids eienaar uithouvermoe en vaardighede kan uitbeeld. Baie min van hierdie besighede oorleef hulle eerste fase vanuit die staanspoor. Baie aspekte van die besigheid moet prakties aangeleer word om daaglikse uitdagings te oorkom. Op hierdie wyse groei die mark en sodoende word werksgeleenthede geskep.
Nie alle besighede is sodanig op hoogte van sake om geleenthede raak te sien nie. Dikwels verskil bestuurstyle van besighede om sisteme in plek te stel wat verandering kan meebring. Finansiële besluite wat geneem is aan die begin stadium het ‘n impak op inkomste wat op ‘n later stadium in die besigheid gegenereer word. Beide die nasionale en plaaslike regering het die verantwoordelikheid om ‘n goedgegewe besigheids omgewing te skep vir besigheidsgroei.
‘n Vorige studie van ‘n spaza en oor informele handel deur Unisa en Bojanala Platinum Distriksmunisipaliteit was as basis gebruik. Die studie het bewys dat 60.6 persent van besighede in informele nedersettings in die Strand geidentifiseer is deur gebruik te maak van die databasisse van beide plaaslike skole en besigheidsvereningings. Die hoof fokus areas was die sosio-ekonomiese en demografiese profiele, die fisiese karaktereienskappe, finansiering, verhoudinge met verskaffers, vervoer, inkomste en kenmerke wat die hoër – inkomste genererende besigheide van die ander skei.
Analises deur die Mann-Whitney, die Spearman rank korrelasie, die Chi-square en die Kruskal-Wallis toetse bewys dat besighede met ‘n hoër maandelikse inkomste deur mans besit word wat hulle besigheide vanaf hulle eiendomme bestuur en gebruik maak van tjekrekeninge. Die besighede wat ‘n daaglikse hoër inkomste genereer is ook daardie wat deur mans besit word, geregistreer is by CIPRO, gebruik maak van tjek rekeninge vir die besigheid en daardie van wie se eienaars kwalifikasies van graad 7 tot 9 en hoër het.
Asgevolg van die uitkoms van hierdie studie, soos van toepassing op die regering, moet vereistes vir lenings aan besighede in informele nedersettings hersien word. Die publiek moet ook meer bewus gemaak word oor die ondersteuning wat deur die regering beskikbaar gestel word. Ten opsigte van banke het die studie uitgelig dat daar ‘n spesiale ‘Spaza rekening’ geskep moet word wat voldoen aan die behoeftes en vaardighede van besigheidseienaars in die informele nedersettings. Op ‘n sosiale vlak vra die studie aan dat die ‘mure’ wat dit moeilik en onmoontlik maak vir ope mark besigheids geleenthede om plaas te vind, afgebreek moet word.
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African immigrant traders in Johannesburg inner city, South Africa : deconstructing the threatening otherMoyo, Inocent 05 1900 (has links)
African immigrants in contemporary South Africa can be perceived as a problem –
the threatening other. Based on a case study of the Johannesburg inner city, this
thesis aims to deconstruct this notion. It does so by investigating the nature and
types and contribution of African immigrant traders` businesses to the Johannesburg
inner city. In deconstructing the perception that African immigrants are the
threatening other, and being infinitely aware that perception issues and the
experiential realities hospitable to its centred on the human subject, this case study
adopted a humanist geographic and critical realist approach by deploying a
qualitative in-depth interview technique of both African immigrant and South African
traders. This thesis suggests three important outcomes. The first is that: to view all
African immigrants as the threatening other is too simplistic an assessment of an
otherwise complex and dynamic set of relationships and interrelationships amongst
and between African immigrant and South African traders. Second, some African
immigrant traders do make a meaningful contribution to the Johannesburg inner city,
whereas others do not. Third, the activities of African immigrant traders that may be
considered as a threat by a section of the population are treated as a benefit by
another. These nuanced insights and findings in this study not only render any
analysis that projects all African immigrants negatively as an incomplete appraisal,
but also suggest that it can never be correct to view them as such without capturing
the dynamics that this work suggests. Such a finding not only challenges distorted
and partial reporting by the media and also questions policies, which may be built on
the wrong assumption that all African immigrants are a problem, but also extends the
study of migration related issues in a South African context. / Geography / D. Litt. et. Phil. (Geography)
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