京都大学 / 0048 / 新制・課程博士 / 博士(情報学) / 甲第20511号 / 情博第639号 / 新制||情||111(附属図書館) / 京都大学大学院情報学研究科社会情報学専攻 / (主査)教授 石田 亨, 教授 中村 佳正, 教授 岡部 寿男, 岡本 龍明 / 学位規則第4条第1項該当 / Doctor of Informatics / Kyoto University / DFAM

Summaries in English, Afrikaans and Zulu / This study explored the determinants of foreign portfolio investment (FPI) in emerging markets, using panel data analysis. In all three models, main data analysis using the dynamic generalized methods of moments (GMM) approach showed that FPI was positively and significantly by its own lag. This result confirms the view in the literature (Barrell and Pain. 1999; Wheeler and Mody. 1992; Saini. 2000), which argues that existing foreign investors attract other foreign investors as a result of the positive spillovers that they generate. Financial development also had a positive and a significant effect on FPI in all the three models under the fixed effects, random effects and the fully modified ordinary least squares (FMOLS). Moreover, a significant positive relationship running from financial development towards FPI was also detected in model 1 under the pooled OLS method. The findings resonate with those of Bartels et al. (2009), whose study observed that financial markets improve international mobility of capital through their ability to make use of timely, cheaper and efficient to prospective foreign investors. Model 2 produced results that showed that the impact of financial development on FPI was significantly negative under the pooled OLS approach, in line with Gordon and Gupta’s (2004) findings. Trade openness positively affected FPI in a significant manner under the FMOLS, random and fixed effects in all the three models. Similar results were observed in model 1 and 3 under the pooled OLS approach. These results agree with Dobbs et al (2013) that openness to trade addresses any obstacles that might hinder the movement of international capital from one country to another. The complementarity between openness to trade and financial development had a significant negative impact on FPI in all the three models under the random effects, fixed effects and FMOLS. This result is similar to Al-Smadi’s (2018) finding that foreign investors can easily sell off their investments if financial markets are developed and liquid, especially in the presence of high levels of trade openness that facilitates the movement of capital across country borders (Dobbs et al. 2013). In contrast, model 2 under the pooled OLS showed that the combination between financial development and trade openness had a positive significant effect on FPI. This finding agrees with literature which notes that both trade openness and financial development separately and individually enhance FPI. The expectation therefore is that the combination of trade openness and financial development in a particular single country leads to greater FPI inflows. In model 1, the FMOLS, random and fixed effects showed that exchange rates had a significant positive impact on FPI, something that was found in all three models under the pooled OLS approach. This finding supports Haider et al.’s (2016) argument. Models 1, 2 and 3 showed a significant positive relationship running from economic growth to FPI under the fixed effects, FMOLS and pooled OLS econometric estimation techniques. Similar results were observed in models 1 and 2 under the random effects approach. The finding echoes Al-Smadi’s (2018) argument on the relationship between economic growth and FPI. In contrast, the dynamic GMM method showed that economic growth had a negative significant impact on FPI, supporting Leong and Wickramanayake’s (2004) argument that in the presence of high levels of economic growth, local investors prefer to buy back domestic securities from foreign investors, triggering a deleterious effect of FPI inflows. In model 1, the impact of savings on FPI was found to be significantly negative under the fixed effects, random effects, pooled OLS and FMOLS approaches. Similar results were found in model 2 under the random effects and the pooled OLS. These findings contradict the available literature (Masood and Mohsin. 2002; Abdelhafidh. 2013; Ferreira and Laux. 2009) but are similar to those of Al-Smadi (2018), who argues that higher levels of inflation wipe out the value of not only return on capital but also of the original capital invested. Inflation had a significant negative effect on FPI in models 1 and 2 under the pooled OLS approach. Human capital development had a significant positive influence on FPI in models 1 and 2 under the pooled OLS and the dynamic GMM approaches. This result supports Dunning’s (1988) argument that locational advantages exert a significant influence on foreign direct investment or any form of foreign investment. Human capital development was found to be a locational advantage for foreign investment in this case, as Tsaurai (2017a) found. / In hierdie studie is die bepalers van buitelandse portefeuljebelegging (BPB) in ontluikende markte aan die hand van ʼn paneeldataontleding verken. In al drie die modelle het ʼn hoofdataontleding volgens die benadering van dinamiese, veralgemeende metodes van momente (VMM) aangetoon dat sy eie vertraging BPB positief en opmerklik beïnvloed. Hierdie uitslag onderskryf die bevindings in die literatuuroorsig (Barrell & Pain 1999; Wheeler & Mody 1992; Saini 2000). Hiervolgens word aangevoer dat bestaande buitelandse beleggers ander buitelandse beleggers deur hulle positiewe surplusse aanlok. Ook finansiële ontwikkeling het in al drie die modelle onder die benadering van vaste en ewekansige effekte en volgewysigde gewone kleinste kwadrate (VGGKK) ʼn positiewe en opmerklike effek op BPB gehad. Daarby is ʼn opmerklik positiewe verband, wat van finansiële ontwikkeling tot BPB strek, onder die saamgevoegde gewone kleinstekwadrate- oftewel GKK-metode in model 1 bespeur. Hierdie bevinding staaf dié van Bartels et al (2009) dat finansiële markte die internasionale mobiliteit van kapitaal verbeter deurdat hulle tydig goedkoper en doeltreffende inligting aan voornemende buitelandse beleggers verstrek. Die uitslag van model 2, dat die uitwerking van finansiële ontwikkeling op BPB onder die saamgevoegde GKK-benadering opmerklik negatief is, strook met die bevindings van Gordon en Gupta (2004). Oop handel het BPB onder die VGGKK, ewekansige en vaste effekte in al drie die modelle op ʼn opmerklike wyse positief geaffekteer. Soortgelyke uitslae is in model 1 en 3 onder die saamgevoegde GKK-benadering waargeneem. Hierdie uitslae stem ooreen met dié van Dobbs et al (2013), naamlik dat oop handel baie hindernisse uit weg ruim wat die beweging van internasionale kapitaal van een land na ʼn ander belemmer. Die komplementariteit tussen oop handel en finansiële ontwikkeling het ʼn opmerklik negatiewe uitwerking op BPB in al die modelle onder die benadering van ewekansige effekte, vaste effekte en VGGKK gehad. Hierdie uitslag klop met Al-Smadi (2018) se bevinding dat buitelandse beleggers hulle beleggings maklik van die hand kan sit as finansiële markte ontwikkeld en likied is, en in die besonder as handel in hoë mate oop is en kapitaal met gemak oor landsgrense heen kan beweeg (Dobbs et al 2013). In teenstelling hiermee het model 2 onder die saamgevoegde GKK getoon dat die kombinasie van finansiële ontwikkeling en oop handel ʼn opmerklik positiewe effek op BPB het. Hierdie bevinding stem ooreen met dié in die literatuur dat oop handel en finansiële ontwikkeling gesamentlik en afsonderlik BPB aanwakker. Dienooreenkomstig word verwag dat oop handel en finansiële ontwikkeling groter BPB na in ʼn land sal laat vloei. Die VGGKK en ewekansige en vaste effekte het in model 1 getoon dat wisselkoerse ʼn opmerklik positiewe uitwerking op BPB gehad het. Dit het trouens in al drie die modelle onder die saamgevoegde GKK-benadering voorgekom. Hierdie bevinding beaam Haider et al (2016) se argument. Model 1, 2 en 3 het ʼn opmerklik positiewe verband, wat van ekonomiese groei tot BPB strek, onder die vaste effekte, VGGKK en saamgevoegde GKK ekonometriese ramingstegnieke aangedui. Soortgelyke uitslae is in model 1 en 2 onder die benadering van ewekansige effekte waargeneem. Hierdie bevinding sluit aan by Al Smadi (2018) se argument oor die verband tussen ekonomiese groei en BPB. Hierteenoor het die dinamiese GMM-metode getoon dat ekonomiese groei ʼn negatiewe, opmerklike uitwerking op BPB gehad het. Dit staaf Leong en Wickramanayake (2004) se argument dat plaaslike beleggers verkies om binnelandse sekuriteite by buitelandse beleggers terug te koop as ʼn hoë mate van ekonomiese groei aanwesig is, en dat dit ʼn nadelige effek op die invloei van BPB het. In model 1 was die uitwerking van spaargeld op BPB opmerklik negatief onder die benadering van vaste effekte, ewekansige effekte, saamgevoegde GKK en VGGKK. Soortgelyke resultate het in model 2 voorgekom onder die ewekansige effekte en die saamgevoegde GKK. Ofskoon hierdie bevindings strydig met dié in die beskikbare literatuur is (Masood & Mohsin 2002; Abdelhafidh 2013; Ferreira & Laux 2009), strook dit met dié van Al-Smadi (2018) wat beweer dat hoë inflasie nie alleen die opbrengs op kapitaal nie, maar ook die oorspronklike kapitaal uitwis. Inflasie het ʼn opmerklik negatiewe effek op BPB in model 1 en 2 onder die saamgevoegde GKK- en dinamiese VMMbenadering gehad. Die ontwikkeling van menslike kapitaal het ʼn beduidend positiewe invloed op BPB gehad in model 1 en 2 onder die saamgevoegde VKK- en die dinamiese VMM-benadering. Hierdie uitslag beaam Dunning (1988) se argument dat landsgebonde voordele ʼn beduidende invloed op direkte buitelandse belegging of enige ander vorm van buitelandse belegging uitoefen. Tsaurai (2017a) het bevind dat die ontwikkeling van menslike kapitaal in hierdie geval ʼn landsgebonde voordeel vir buitelandse belegging inhou. / Lolu cwaningo luye lwaphenya izizathu zokutshalwa kwezimali emazweni angaphandle, phecelezi (foreign portfolio investment (FPI) ezimakethe ezisafufusayo, ngokusebenzisa uhlelo lokuhlaziywa kwedatha, phecelezii-panel data analysis. Kuwo onke amamodeli omathathu, kuhlelo lokuhlaziywa kwedatha esemqoka, ngokusebenzisa izindlela eziguquguqukayo zezikhathi ezahlukene (GMM) , lokhu kuye kwakhombisa ukuthi i-FPI yathola umthelela omuhle futhi okungumthelela wayo wokushiywa yisikhathi. Lo mphumela uqinisekisa ulwazi olutholakele olumayelana nokubuyekezwa kombhalo wobuciko (Barrell & Pain 1999; Wheeler & Mody 1992; Saini 2000), okuwumbhalo okhuluma ngokuthi abatshalizimali bangaphandle abakhona baheha abanye abatshalizimali bangaphandle okuyinto edalwa yizinzuzo ezinhle ezingumphumela wokutshalwa kwezimali. Ukuthuthukiswa kwezinhlelo zezimali nakho kube nomthelela omuhle nobalulekile kwi-FPI, kuwo wonke amamodeli amathathu, angaphansi kwesimo semiphumela enqunyelwe isikhathi, angaphansi kwemiphumela yazo zonke izinhlelo eziguqulwe ngokugcwele phecelezi fully modified ordinary least squares (FMOLS) . Ngaphezu kwalokho, ubudlelwano obuhle obusemqoka, obuqala ekuthuthukisweni kwezinhlelo zezimali ukuya kuhlelo lwe-FPI, nabo lobudlelwano buye babonakala kumodeli 1, ngaphansi kohlelo lwe pooled OLS method. Ulwazi olutholakele lufana nalolo lukaBartels et al. (2009), lapho ucwaningo lwakhe lwathola ukuthi izimakethe zezimali zithuthukisa ukuthunyelwa kwezimali emhlabeni ngekhono lokusebenzisa ulwazi lwalo ngesikhathi, ngentengo ephansi futhi ulwazi olufanele, lolu lwazi luthunyelwa kubatshalizimali bangaphandle abathembisayo. Imodeli 2 ikhiqize iveze imiphumela ethi umthelela wokuthuthukiswa kwezinhlelo zezimali ohlelweni lweFPI luye lwabonakala lulubi kakhulu ngaphansi kohlelo lwepooled OLS approach, lokhu kuhambisana nolwazi olutholwe nguGordon kanye noGupta (2004). Uhlelo lwezokuhwebelana oluvulekile luye lwaba nomthelela omuhle ohlelweni lweFPI, ngendlela esemqoka kakhulu, ngaphansi kohlelo lweFMOLS, ngaphansi kohlelo lwemiphumela enqunyelwe isikhathi nohlelo olunganqunyelwanga isikhathi, kuwo wonke amamodeli amathathu. Imiphumela efana naleyo yatholakala kumodeli 1 neye 3, ngaphansi kohlelo lwepooled OLS approach. Le miphumela ihambisana naleyo kaDobbs et al. (2013), yona ngile elandelayo; uhlelo oluvulekile lokuhwebelana luyisisombululo sanoma yiziphi izihibe ezingaphazamisa ukuthunyelwa kwezimali emhlabeni ukusuka kwelinye izwe ukuya kwelinye. Ukusebenzisana phakathi kohlelo lokuhweba oluvulekile kanye nohlelo lwezokuthuthukiswa kwezinhlelo zezimali kuye kwaba nomthelela ongemuhle kwiFPI, kuwo wonke amamodeli omathathu, ngaphansi kwemiphumela enganqunyelwanga isikhathi, imiphumela enqunyelwe isikhathi kanye nakwihlelo lweFMOLS. Lo mphumela ufana nalowo ka-Al-Smadi’s (2018) othi abatshalizimali bangaphandle bangatshala kalula izimali zabo uma izimakethe zezimali zithuthukile futhi zinemali elingene, ikakhulukazi uma kukhona amazing aphezulu wohlelo oluvulekile lokuhwebelana, okungamazinga ahola uhlelo lwezokuthunyelwa kwezimali ngaphesheya kwemingcele yamazwe (Dobbs et al. 2013). Okuphikisana nalokhu, imodeli 2, ngaphansi kohlelo lwepooled OLS, luye lwakhombisa ukuthi ukuhlanganiswa kohlelo lwezokuthuthukiswa kwezinhlelo zezimali kanye nohlelo oluvulekile lwezokuhwebelana kuye kwaba nomthelela omuhle kakhulu kwiFPI. Lolu lwazi olutholakele luvumelana nombhalo wobuciko, wona oshoyo ukuthi zombili lezi zinhlelo uhlelo oluvulekile kwezohwebo kanye nokuthuthukiswa kwezinhlelo zezimali, ezehlukene kanye nalezo ezizimele ngayinye, ziqinisa uhlelo lweFPI. Ngalokho, okulindelwe, ukuthi umbimbi oluxuba uhlelo oluvulekile lwezokuhwebelana kanye nezinhlelo zokuthuthukiswa kwezimali, ngandlelathize,, ezweni elilodwa, ziholela izinga eliphezulu lokungena kweFPI. Kumodeli 1, uhlelo lweFMOLS, imiphumela enganqunyelwe naleyo enqunyelwe isikhathi iye yabonisa ukuthi amazinga okushintshelana ngezimali abe nmothelela omuhle kakhulu kwiFPI; okuyinto etholakele kuwo wonke amamodeli omathathu angaphansi kohlelo lwe pooled OLS. Lolu lwazi olutholakele luxhasa umbono kaHaider et al’s (2016. Amamodeli Models 1, 2 kanye neye 3 ziye zakhombisa ubudlelwano obuhle kakhulu obuqala ekuthuthukisweni kwezomnotho ngokohlelo lwe FPI, ngaphansi kwesimo semiphumela enqunyelwe isikhathi, ngaphansi kohlelo lwe FMOLS kanye nasohlelweni lwe pooled OLS okuyindlela esetshenziswa ukulinganisa izinga lokuhluma komnotho. Imiphumela efana nayo le iye yatholakala kumodeli 1 kanye nakumodeli 2, ngaphansi kwemiphumela enganqunyelwe sikhathi. Ulwazi olutholakele luveza imibono ka-Al-Smadi (2018) mayelana nobudlelwano obuphakathi kokuhluma komnotho kanye nohlelo lwe FPI. Okuphikisana nalokho, indlela eguquguqukayo iGMM iye yakhombisa ukuthi ukuhluma komnotho kuye kwaba nomthelela omubi kakhulu kwi FPI, uxhasa umbono ka Leong kanye no Wickramanayake (2004) othi, uma kunamazinga aphakeme okukhula komnotho, abatshalizimali basekhaya bathanda ukuthenga amasheya amabhizinisi asekhaya kubatshalizimali bangaphandle, lokho kuba nomthelela omubi kakhulu ekungeneni kwe FPI. Kumodelil 1, umthintela wokongiwa kwezimali ohlelweni lwe FPI watholakala ukuthi ube nomthelela omubi kakhulu, ngaphansi kwesimo semiphumela enqunyelwe isikhathi, kwemiphumela enganqunyelwanga isikhathi, ohlelweni lwe pooled OLS kanye nasezinhlelweni ze FMOLS. Imiphumela efana nayo le iye yatholakala kumodeli 2, ngaphansi kwemiphumela enganqunyelwe kanye naleyo enqunyelwe isikhathi kanye nasohlelweni lwe pooled OLS. Lolu lwazi olutholakele luphikisana nolwazi lombhalo wobuciko okhona (Masood & Mohsin 2002; Abdelhafidh 2013; Ferreira & Laux 2009), kanti futhi le miphumela ifana naleyo ka-Al-Smadi (2018), yena oshoyo ukuthi amazinga aphezulu amandla emali akaqedi kuphela inzuzo yokutshalwa kwezimali, kodwa aqeda nemali yokuqala etshaliwe. Amandla email aye aba nomthelela omubi kakhulu kwi FPI, kumodeli 1 kanye nnakumodeli 2, ngaphansi kohlelo lwe pooled OLS. Ukuthuthukiswa kwamagugu ayikhono nezingqondo zabasebenzi aye aba nomthelela omuhle ohlelweni lwe FPI, kumamodeli 1 kanye nakumodeli 2, ngaphansi mkohlelo lwe pooled OLS kanye nezindlela eziguquguqukayo ze GMM. Lo mphumela uxhasa umbono kaDunning (1988) othi izinzuzo zendawo ziba nomthelela omuhle kakhulu ohlelweni oluqondile lwezokutshalwa kwezimali emazweni angaphandle noma ngiluphi uhlelo lwezokutshalwa kwezimali emazweni angaphandle. Ukuthuthukiswa kwamagugu angamakhono kanye nemibono yabasebenzi kuye kwatholakala kuyinzuzo yendawo ekutshalweni kwezimali emazweni angaphandle kulesi simo, njengoba lokhu kuye kwatholakala kuTsaurai (2017a). / Business Management / M. Com. (Management Studies)

基於通行碼之認證金鑰交換協定(Password-based Authenticated Key Exchange)為一項使要進行交換訊息之雙方做相互驗證並產生一把共享金鑰的技術。藉由通訊雙方共享一組通行碼做為身份驗證的依據，並且在驗證結束後產生一把僅有雙方才知道的祕密通訊金鑰，往後進行傳遞機密資訊時即可透過此金鑰建立安全的通訊管道。 本篇論文提出一個在主從式架構(Client/Server model)下基於晶格(lattice)之通行碼認證金鑰交換協定，用戶端只需記錄與伺服器共享之通行碼，而伺服器端除了通行碼外擁有屬於自己的公私鑰對，雙方間透過共享之通行碼進行相互驗證，並且在兩個步驟內完成認證及金鑰交換。在安全性上基於晶格密碼系統之難問題，若未來量子電腦問世能夠抵擋其強大運算能力之攻擊，達到安全且有效率之通行碼認證金鑰協議。 / The password-based authenticated key exchange is a technology that allows both parties to perform mutual authentication and generate a shared session key. They through the shared password as the basis for authentication and generate a session key that is only known by both parties. At last, they can use this key to establish a secure channel to transmit secret message. We propose a password-based authenticated key exchange from lattices for Client-Server model. The client only need to remember the password rather than the private key, and the server except keep the password and its own public/private key pair. Both parties execute the mutual authentication via the shared password and accomplish the key exchange within two steps. The security of our protocol is based on LWE problem for lattices, so it is secure even an attacker uses a quantum computer.

The aim of this research is to find out if a Technical and Vocational Education and Training (TVET) college in Mpumalanga, South Africa has any CPD programme for its lecturers and how it is managed. Through personal experience, interaction with fellow lecturers and literature review, I noted the evident lack of college-driven continuous professional development (CPD) of lecturers. I discovered that most TVET college lecturers are holders of teaching qualifications suitable for schools and not the TVET college sector. The research was qualitative. I conducted in-depth interviews with the senior management of the college, a focus group interview with lecturers and finally document analysis. Data analysis was inductive and verbatim quotations from participants were used. I found that although the college did have a CPD programme, there were many shortcomings. Strengths of the programme include funding and a planned CPD committee. Deficiencies relate to non-communication between staff members and management and a laissez-faire attitude of management in the handling of CPD. Based on the findings numerous recommendations are made concerning the way CPD is managed at this college and by the Department of Higher Education. These recommendations may relate to other colleges to make their CPD programme more effective for their academic staff. / Educational Management and Leadership / M. Ed. (Education Management)

English, Afrikaans and Zulu summaries / Orientation: The study researched physical disability apropos of employment. The attitudes of able-bodied persons towards persons with disabilities (PWD) culminate in the exclusion of the latter from the workplace. Aspects of this topic have been addressed by researchers abroad and in Africa using samples of limited size. Research aim: The general aim of the research was twofold. Firstly, it set out to uncover the causes of exclusion of persons with physical disabilities from employment in the South African open labour market, and secondly, to identify interventions that could assuage this situation. Research methodology: A convergent mixed methods research strategy was adopted, with responses of employers forming the quantitative strand and those of persons with physical disabilities (PWPD) forming the qualitative strand. A customer survey questionnaire was developed and validated for the sample of 342 employers, while interview schedules were used for 312 PWPD. Statistical procedures included factor analysis, chi-square tests and structural equation modelling. Main findings: Meta-inferences were formulated relating to the mixed methods research. The overarching message conveyed discord in respect of several dimensions, between the perceptions of employers, those of persons with physical disabilities and the theory. Employers are receptive to employing persons with disabilities but conflicted about their management, competence and accommodation. They are reportedly unfamiliar with disability matters, and cannot locate qualified candidates, while disability policies are not commonplace. Key national interventions encompass incentives for employers to hire PWD, tax concessions and amendment of the BBBEE scorecard points system. Important interventions at organisational level entail training in disability matters across the board, as well as disability-related policies. At individual level, PWPD need training in job-seeking techniques, effective avenues to secure work, accommodation and assistive technology, and skills. To extend the mixed methods research, industrial sectors were compared and latent constructs sought in separate analyses. Main contributions: Different perspectives gleaned from employers in various sectors, PWPD, disability advocacy organisations and associated groups; expansion of the literature on disability employment; structural equation modelling that produced latent constructs which underlie the causes of exclusion of PWPD from employment and enhance understanding of those aspects with a direct bearing on employers’ receptivity to hiring PWPD. The findings could catalyse national and organisational policy frameworks to promote inclusion in the workplace. Public policy makers could utilise the findings to devise strategies that would motivate employers to hire PWPD. Organisational policies, with practical guidelines, should be formulated relating to recruitment of PWPD and disability training for staff. The different types of disabilities and job categories in which employers would be willing to appoint PWD were ascertained. / Oriëntering: Die studie het ondersoek ingestel na liggaamlike ongeskiktheid ten opsigte van indiensneming. Die houdings van nie-gestremde persone teenoor persone met gestremdhede veroorsaak dat laasgenoemde van die werksplek uitgesluit word. Fasette van hierdie onderwerp is deur navorsers oorsee en in Afrika ondersoek met behulp van steekproewe van beperkte grootte. Navorsingsdoelwit: Die algemene doelwit van die navorsing was tweeledig. Dit het eerstens ten doel gehad om die oorsake van indiensnemingsuitsluiting van persone met liggaamlike gestremdhede in die Suid-Afrikaanse arbeidsmark te bepaal, en tweedens, om ingrypings te identifiseer wat hierdie situasie kan verbeter. Navorsingsmetodologie: ’n Konvergerende gemengdemetode-navorsingstrategie is ingespan, met werkgewers se response as die kwantitatiewe been en dié van persone met liggaamlike gestremdhede, as die kwalitatiewe been. ʼn Kliëntetevredenheidsvraelys is vir die steekproef van 342 werkgewers ontwikkel en geldig verklaar, terwyl onderhoudskedules vir 312 persone met liggaamlike gestremdhede gebruik is. Statistiese prosedures het faktorontleding, chi-kwadraattoetse en strukturele-vergelyking-modellering ingesluit. Belangrikste bevindinge: Meta-inferensies met betrekking tot die gemengdemetode-navorsing is geformuleer. Die oorkoepelende boodskap was een van verdeeldheid oor verskeie dimensies; tussen werkgewers se persepsies, dié van persone met liggaamlike gestremdhede en die teorie. Werkgewers is ontvanklik vir indiensneming van persone met gestremdhede, maar het verskil oor die bestuur, bevoegdheid en akkommodering van sulke persone. Hulle is blykbaar nie bekend met ongeskiktheidsaangeleenthede nie en kan nie gekwalifiseerde kandidate vind terwyl ongeskiktheidsbeleide nie alledaags is nie. Deurslaggewende nasionale ingrypings behels aansporings vir werkgewers om persone met liggaamlike gestremdhede in diens te neem, belastingvergunnings en aanpassing van die BGSEB-telkaartpuntestelsel. Belangrike ingrypings op organisasievlak behels algemene opleiding in ongeskiktheidsake, sowel as beleide oor ongeskiktheidskwessies. Op individuele vlak benodig persone met liggaamlike gestremdhede opleiding in werksoektegnieke, doeltreffende metodes om werk te verseker, akkommodasie en ondersteunende tegnologie, en vaardighede. Om die gemengdemetodes-navorsing uit te brei, is nywerheidsektore vergelyk en latente konsepte in afsonderlike ontledings gesoek. Hoofbydraes: Verskillende perspektiewe wat van werkgewers in verskeie sektore verkry is, persone met liggaamlike gestremdhede, gestremdheidvoorspraakorganisasies en verwante groepe; uitbreiding van die literatuur oor ongeskiktheidsindiensneming; strukturele-vergelyking-modellering wat aanleiding gegee het tot latente konsepte onderliggend tot die oorsake van indiensneminguitsluiting van persone met liggaamlike gestremdhede en bevorderlik vir begrip van daardie aspekte wat ʼn direkte invloed op werkgewers se ontvanklikheid rakende indiensneming van persone met liggaamlike gestremdhede het. Die bevindinge kan nasionale en organisasiebeleidsraamwerke kataliseer om insluiting in die werksplek te bevorder. Openbarebeleidbepalers kan die navorsingsresultate gebruik om strategieë te beraam wat werkgewers sal motiveer om persone met liggaamlike gestremdhede aan te stel. Organisasiebeleide, met praktiese riglyne, moet geformuleer word ten opsigte van werwing van persone met liggaamlike gestremdhede en ongeskiktheidsopleiding vir personeel. Die verskillende soorte gestremdhede en werkskategorieë waar werknemers bereid sal wees om persone met liggaamlike gestremdhede in diens te neem, is vasgestel. / Isimo nokuqondiswe kukho (orientation) Ucwaningo lucwaninge ngokukhubazeka ngomzimba maqondana nokuhambisana nokuqashwa Imibono yabantu abangakhubazekile maqondana nabantu abakhubazekile ngokubizwa ngokuthi yi-persons with disabilities (PWD) ibangela ukuthi abantu abakhubazekile bakhishelwe eceleni maqondana nemisebenzi. Izingxenye zalesi sihloko kubhekwane nazo ngabanye abacwaningi baphesheya kanye nase-Afrka ngokusebenzisa amasampuli amancane. Inhloso yocwaningo: Inhloso enabile yocwaningo ikabili. Okokuqala, ukuthola izimbangela zokukhishelwa eceleni kwabantu abakhubazekile ekuqashweni eNingizimu Afrika nasemakethe evulekile yezemisebenzi, kanti eyesibili, ukuphawula ngezinto ezingabawusizo ukululamisa lesi simo. Imetodoloji (indlela) yocwaningo: Kusetshenziswe isu elihlangene lezindlela zocwaningo okuyi-mixed methods research, kanti izimpendulo zabaqashi zibumbe ingxenye ye-quantitative strand, kanti ezalabo bantu abakhubazekile ngomzimba (PWPD) zona zibumbe ingxenye ye-qualitative strand. Kwenziwe i-survey yamakhastama yase iqinisekiswa ukwenzela isampuli yaqabashi abangu 342, kanti isheduli yama-interview yenziwe kubantu abakhubazekile ngomzimba (PWPD) abangu 312). Inqubo yamastatistiki ibandakanye uhlaziyo lwe-factor analysis, i-chi-square tests kanye ne-structural equation modelling. Okukhulu okutholakele: Isiphetho ngokujulile i-meta-inferences yenziwe maqondana nezindlela ezixubene zocwaningo. Umlayezo omkhulu owaboniswa ukubhimba maqondana nezinto ezehlukene, phakathi kwemibono yabaqashi, kanye nabantu abakhubazekile ngemizimba kanye nethiyori. Abaqashi bazimisele ukuqasha abantu abakhubazekile kodwa banemibono engqubuzanayo ngokuphathwa kwabo, amakhono kanye nokubabonelela. Abanalwazi ngezinto eziphathelene nokukhubazeka, kanti abakwazi ukuthola amakhandideyiti afundele imisebenzi, kanti imigomo ngokukhubazeka ayikho kahle. Okukhulu okumele kwenziwe ukungenela kwizwe lonke kubandakanya izikhuthazi kubaqashi ukuqasha abantu abakhubazekile, izibonelelo ngentela, kanye nokuchitshiyelwa kwenqubo yamaphoyinti e-BBBEE. Ukungenela okubalulekile ezinhlanganweni kubandakanya uqeqesho ngezinto eziphathelene nobukhubazeki kuyo yonke imikhakha kanye nemigomo ehambelana nokukhubazeka. Kumkhakha wabantu ziqu, abantu abakhubazekile ngemizimba badinga uqeqesho ngamathekniki okufuna imisebenzi, imikhakha efanele yokuthola imisebenzi, izibonelelo, kanye namatheknoloji osizo kanye namakhono. Ukunweba izindlela ezehlukene zocwaningo, kwaqhathaniswa amasektha ezimboni, kwasekufunwa ama-latent construct ngohlaziyo olwehlukene. / Industrial and Organisational Psychology / D. Com. (Industrial and Organisational Psychology)

Abstracts in English, Afrikaans and Xhosa / Green information and communication technology (ICT) is viewed as a pioneering initiative that plays a key role in reducing the negative impact of ICT on the environment. The research problem of the study was the low green ICT adoption rate in South African small and medium enterprises (SMEs). The primary objective was to identify the most prominent barriers resulting in this low adoption rate. The first secondary objective was to determine the barrier with the strongest underlying correlation resulting in the low adoption rate of green ICT in South African SMEs. The second secondary objective was to recommend strategies on how to improve the adoption rate of green ICT. A self-administered questionnaire was used to collect data through electronic and paper-based surveys. A census study was conducted among owners and managers of high-technology-based SMEs located in Gauteng. An exploratory factor analysis was employed to identify the barriers resulting in the low adoption rate of green ICT. These barriers were found to be a lack of funding, awareness, legislation, skills, and knowledge based on complexity and uncertainty. A lack of funding was identified as the most prominent barrier to adopting low green ICT. Although five constructs were discussed in the literature, the overall results presented six components, with the construct of knowledge being made up of two parts – complexity and uncertainty. This study recommends that SMEs align green ICT initiatives with their strategic goals and that government consider more adequate support structures for SMEs. The study confirmed a low green ICT adoption rate in South African SMEs, and more research is required to explore the impact of each of the factors above on the environment. / Met groen inligting-en-kommunikasietegnologie (IKT) word baanbrekerswerk gedoen om die nadelige uitwerking wat IKT op die omgewing het, te verklein. Die trae tempo waarteen Suid-Afrikaanse klein en medium ondernemings (KMO’s) groen IKT aanneem was die navorsingsprobleem van hierdie studie. Die primêre oogmerk was om die grootste struikelblokke vir die aanneem van groen IKT aan te toon. Die eerste sekondêre oogmerk was om die struikelblok met die sterkste onderliggende korrelasie met die trae tempo waarteen Suid-Afrikaanse KMO’s groen IKT aanneem, te bepaal. Die tweede was om met strategieë te kom om die tempo te versnel waarteen groen ITK aangeneem word. Data is met ʼn selfvraelys deur elektroniese en papieropnames versamel. ʼn Sensusstudie is onder die eienaars en bestuurders van hoëtegnologie-KMO’s in Gauteng gedoen. Struikelblokke wat vir die trae aanneming van groen ITK verantwoordelik is, is met ʼn verkennende faktoranalise aangetoon. Daar is bevind dat gebrekkige befondsing en bewustheid, wetgewing, ʼn gebrek aan vaardighede en kennis weens die kompleksiteit en onsekerheid struikelblokke is. ʼn Gebrek aan befondsing was die grootste struikelblok vir die aanneem van groen IKT. Hoewel vyf konstrukte in die literatuur bespreek is, het die uitslag aangedui daar is ses. Die konstruk kennis is uit twee dele saamgestel: kompleksiteit en onsekerheid. Hierdie studie beveel aan dat KMO’s hulle groen IKT-inisiatiewe met hulle strategiese doelwitte in ooreenstemming bring, en dat die regering KMO’s beter ondersteun. Die studie bevestig die trae tempo waarteen Suid-Afrikaanse KMO’s groen ITK aanneem. Die invloed van elk van die bogenoemde faktore op die omgewing moet in verdere navorsing verken word. / Ulwazi lwezeMvelo kanye nobuchwepheshe bezokuxhumana (ICT) kuphawuleka njengemizamo yamaqhinga amasha adlala indima esemqoka ekunciphiseni umthelela omubi we-ICT kwezemvelo. Inkinga exazululwayo kucwaningo kwabe kuyizinga eliphansi lomthintela we-ICT kwezemvelo kumabhizinisi amancane nalawo asafufusa (SMEs) eNingizimu Afrika. Inhloso yokuqala kwabe kuwukuthola izikhinyabezo ezigqamile eziholela ekutheni kube nezinga eliphansi lokwamukela ezemvelo. Inhloso yokuqala esesigabeni sesibili kwabe kuwukuthola isikhinyabezo esinezimpawu ezihambisanayo kakhulu esidala izinga eliphansi lokwamukela ezemvelo kwi-ICT. Inhloso yesibili yesigaba sesibili kwabe kuwukuncoma amasu angasetshenziswa ukuthuthukisa izinga lokwamukelwa kwezemvelo kwi-ICT. Umbhalo wemibuzo ehlelwe wumcwaningi ngokwakhe wasetshenziswa ukuqoqa idatha ngohlelo lwesaveyi eyaqhutshwa ngekhomphyutha nangephepha. Ucwaningo lohlelo lokubalwa kwabantu/lwesensasi lwenziwa phakathi kwabanikazi kanye nabaphathi bamabhizinisi amancane nasafufusa esifundazweni saseGauteng, amabhizinisi encike kubuchwepheshe beqophelo eliphezulu. Uhlelo lokuhlaziya oluhlolayo lwasetshenziswa ngesizathu sokuthola izihibhe ezidala izinga eliphansi lokulandelwa kwezemvelo ku-ICT. Lezi zihibhe zatholakala ukuthi ukuswela uxhaso lwezimali, ukwexwayiswa, umthetho, izakhono zomsebenzi kanye nolwazi olwencike phezu kwesimo esixubene kanye nokungabi nesiqinisekiso. Ukuswela ukuxhaswa ngezimali kwabonakala njengesikhinyabezo esikhulu mayelana nokwamukelwa kwezinga eliphansi lwe-ICT yezemvelo. Yize kuye kwaxoxwa ngezakhiwo ezinhlanu kumbhalo wobuciko, yonke imiphumela iveze izigaba eziyisithupha, ngesakhiwo solwazi esahlukene izingcezu ezimbili – isimo esixubene kanye kanye nokungabi nasiqinisekiso. Ucwaningo luncoma ukuthi amabhizinisi amancane nasafufusa (SMEs) ahambisana nemizamo yohlelo lwe-ICT olulandela ezemvelo kanye nezimpokophelo zamasu kanye nokuthi uhulumeni ubhekelele ukuthi kube nezakhiwo eziningi nezanele zokuxhasa amabhizinisi amancane nasafufusa (SMEs). Ucwaningo luqinisekisile ukuthi kunezinga eliphansi lokubhekelelwa amabhizinisi amancane nasafufusa mayelana nezemvelo kwi-ICT eNingizimu Afrika, kanti kudingeka ucwaningo oluningi ukuhlola umthintela wazo zonke izinto ezingenhla mayelana nezemvelo. / Business Management / M. Com. (Business Management)

Abstracts in English, Afrikaans and Zulu / Worldwide, students compete for a limited number of places at universities. By increasing the use of distance education, more students could have access to tertiary education. The problem addressed in this study related to the challenges faced by an ODL university to assess undergraduate modules in accounting sciences by way of technology-enhanced, non-venue-based alternative assessments, instead of the traditional venue-based examinations. The purpose of the current study was to develop an alternative assessment framework for ODL undergraduate accounting sciences modules as a possible solution to the assessment challenges faced by accounting graduates and universities in an ODL environment. The legitimacy of qualifications was considered by reviewing the identity verification of students and other ethical issues, as well as the influence on the accreditation by professional and other regulatory and governing bodies. Institutional and neo-institutional theories were used within the ODL context as foundational principles. Design-based research was used to develop two conceptual frameworks – one based on the theoretical elements and the other on non-venue-based alternative assessments in the ODL context. The two conceptual frameworks were evaluated using interviews conducted with ODL lecturers and members of professional accounting bodies. Thereafter, the data were analysed using thematic analysis. Triangulation was used as a final evaluation of the conceptual frameworks by analysing comments from students included in reports from an alternative assessment pilot study. The two conceptual frameworks were combined in one final framework. This final framework demonstrates how the institutional theory affects the institution and, specifically, internal issues. Due to the complexity of the ODL institution, external influences (such as technology) result in aspects of the neo-institutional theory becoming even more relevant to the current study. This complexity, together with the mimetic forces of technology and innovation, creates uncertainty. However, it became clear from the data analysis that coercive and normative forces result in ‘more certainty’. The alignment of these isomorphic forces resulted in legitimacy. Due to the importance of technology in the ODL environment, it became clear that technology should be anthropomorphically considered a stakeholder in the ODL institution. The inclusion of stakeholder theory created improved performance and the potential for innovation in order to ensure the legitimacy of qualifications. / Studente ding wêreldwyd mee vir 'n beperkte aantal plekke in universiteite. Indien die gebruik van afstandsonderrig uitgebrei word, kan meer studente toegang tot tersiêre onderwys kry. Die probleem waarop hierdie studie fokus is die uitdagings van 'n OAO-universiteit om voorgraadse modules in rekeningkundige wetenskappe te assesseer deur middel van tegnologies verbeterde, nie-lokaalgebaseerde alternatiewe assesserings in plaas van die tradisionele, lokaalgebaseerde eksamens. Die doel van die huidige studie was om 'n alternatiewe assesseringsraamwerk vir voorgraadse rekeningkundige wetenskapmodules in OAO te ontwikkel as 'n moontlike oplossing vir die assesseringsuitdagings van rekeningkundige gegradueerdes en universiteite in ’n OAO-omgewing. Die geldigheid van kwalifikasies is oorweeg deur 'n oorsig te doen oor die identiteitsverifiëring van studente en ander etiese aangeleenthede, asook die invloed op die akkreditasie deur professionele en ander regulatiewe beheerliggame. Institusionele en neo-institusionele teorieë is in die OAO-konteks as grondbeginsels gebruik. Ontwerpgebaseerde navorsing is gebruik om twee konseptuele raamwerke te ontwikkel – een gebaseer op die teoretiese elemente en die ander op nie-lokaalgebaseerde alternatiewe assesserings in die OAO-konteks. Die twee konseptuele raamwerke is geëvalueer aan die hand van onderhoude met OAO-dosente en lede van professionele rekeningkundige liggame. Hierna is die data deur middel van tematiese analise ontleed. Triangulasie is gebruik as 'n finale evaluering van die konseptuele raamwerke deur die kommentaar van studente wat in verslae van 'n alternatiewe assesseringsvoorstudie ingesluit is, te evalueer. Die twee konseptuele raamwerke is in een finale raamwerk gekombineer. Hierdie finale raamwerk demonstreer hoe die institusionele teorie die instelling en, spesifiek, interne aangeleenthede beïnvloed. As gevolg van die kompleksiteit van die OAO-instelling, veroorsaak eksterne invloede (soos tegnologie) dat die neo-institusionele teorie selfs meer relevant vir die huidige studie word. Hierdie kompleksiteit, tesame met die mimetiese magte van tegnologie en innovasie, skep onsekerheid. Dit is egter duidelik uit die data-analise dat dwang- en normatiewe magte ‘meer sekerheid’ veroorsaak. Die belyning van hierdie isomorfiese magte veroorsaak geldigheid. As gevolg van die belangrikheid van tegnologie in die OAO-omgewing, is dit duidelik dat tegnologie antropomorfies beskou moet word as 'n belanghebber in die OAO-instelling. Die insluiting van die belanghebbende teorie het verbeterde prestasie en die potensiaal vir innovasie tot gevolg gehad, om sodoende die geldigheid van kwalifikasies te verseker. / Emhlabeni wonke, abafundi bazabalazela ukuthola ithuba lokungena kwizindawo ezingamanyuvesi amancane ngenani. Ngokukhulisa izinga lokusetshenziswa kohlelo lokufunda ukude, abafundi abaningi bebangakwazi ukungena emazikweni ezemfundo aphakemeyo. Inkinga exazululwa kulolu cwaningo imayelana nezinselelo ezibhekene nenyuvesi yohlelo lwe-ODL ukuhlola amamojuli asesigabeni seziqu zokuqala kwisayensi ye-accounting ngendlela yoncedo lobuchwepheshe, ngezinye izinhlelo zokuhlola ezingenziwa endaweni eyodwa, kunokusebenzisa uhlelo olwejwayelekile lokuhlolwa okwenziwa endaweni eyodwaethize. Inhloso yocwaningo lwamanje kwaye kungukwakha esinye isakhiwo sokuhlola samamojuli esayensi ye-accounting yeziqu zokuqala, lokhu kwenziwa njengekhambi elingaxazulula izinselelo zokuhlola ezibhekene nabafundi besifundo se-accounting kanye namanyuvesi akusizinda sohlelo lwe-ODL. Udaba lokuba semthethweni kweziqu luye lwabhekwa ngokubuyekeza ukuqinisekiswa kwamagama abafundi kanye nezinye izindaba ezimayelana nemigomo yokuziphatha, kanye nomthelela phezu kokwamukelwa kwamaprofeshinali kanye nezinye izinhlaka eziqinisa umthetho kanye nezinye izinhlaka eziphetheyo. Amathiyori eziko kanye nalawo ohlelo olusha lwamaziko asetshenziswe ngaphakathi kwesizinda se-ODL njengemigomo eyisisekelo. Ucwaningo olususelwa kwidizayini lusetshenziswe ukwakha izinhlaka ezimbili zegama – olunye uhlaka lususelwe kwizinto zethiyori kanye nakwezinye izinhlelo zokuhlola ezingasuselwa ezindaweni ezimile ngaphakathi kwesizinda se-ODL. Izinhlaka ezimbili zezakhiwo ziye zahlolwa ngokusebenzisa izinhlolovo ezenziwa abafundisi be-ODL kanye namalungu wezinhlangano eziprofeshinali zesifundo se-accounting. Ngemuva kwalokho, idatha ihlaziywe ngokusebenzisa uhlelo lokuhlaziya isihloko. Unxantathu wezinhlolovo (triangulation) usetshenziswe njengohlelo lokugcina lokuhlola izakhiwo zegama ngokuhlaziya izimvo ezivela kubafundi ezixutshwe kwimibiko evela ohlelweni lokuhlolwa kwesivivinyo socwaningo.Lezi zakhiwo zamagama ezimbili zihlanganiswe kuhlaka olulodwa lokugcina. Lolu hlaka lwesakhiwo lukhombisa indlela umqondo weziko othinta ngayo iziko, ikakhulu, izinto ezingaphakathi. Ngenxa yengxubevange yeziko elinohlelo lwe-ODL, imithelela evela ngaphandle (enjengobuchwepheshe) idala izinto ezihambelana nomqondo omusha weziko oya ngokuya uhambisane nesifundo samanje socwaningo. Le ngxubevange indawonye nemimoya yobuchwepheshe kanye namaqhinga amasha, kuletha isimo esingenakuqinisekiswa. Yize kunjalo, kuya ngokucaca ukusukela ekuhlaziyweni kwedatha ukuthi imimoya ephoqayo kanye naleyo eyejwayelekile idala isimo esingaziwa. Ukuhambisana kwalawa mandla okudalwe yizinto ezisemthethweni. Ngenxa yokubaluleka kobuchwepheshe kwisizinda se-ODL, kuye kwacaca ukuthi ubuchwepheshe kufanele buthathelwe phezulu njengesidlalindima kwiziko le-ODL. Ukufakwa komqondo womdlalindima kudale umsebenzi omuhle othuthukile kanye namathuba okuveza amaqhinga amasha ukuze kuqinisekiswe isimo sokuqinisekisa iziqu ukuthi zibe semthethweni. / College of Accounting Sciences / D. Phil. (Accounting Sciences)

Entrepreneurship is a catalyst for economic growth and development; thus, the South African government continues to invest in programmes aimed at enhancing youth entrepreneurship development. However, South Africa is still characterised by low levels of total entrepreneurship activity. To stimulate entrepreneurial activity, scholars, policy makers and government have all identified entrepreneurship education as a critical component. Education equips potential and existing entrepreneurs with knowledge, skills, confidence, creativity and innovative capabilities needed to excel in entrepreneurship. One such entrepreneurship programme aimed at creating and enhancing entrepreneurship intentions among high school learners is the one offered by Junior Achievement South Africa (JASA). However, the effectiveness of the JASA entrepreneurship education programmes remains largely unknown. Enterprise Programme creates and enhances learners’ entrepreneurship intentions. Consequently, how learners’ personal attitudes towards entrepreneurship, perceived entrepreneurial abilities, subjective norms and entrepreneurship intentions were affected after participating in the Mini Enterprise Programme. The study employed a quantitative method and used an entrepreneurial intentions questionnaire to answer the research question. Data was collected from 151 learners who participated in the 2018 Mini Enterprise programme by means of self-completion questionnaires. SPSS was used to analyse the date through descriptive and inferential analysis techniques. The major finding of the study is that JASA’s Mini Enterprise Programme does indeed create and enhance learners’ entrepreneurship intentions. It was also observed that the programme positively influences learners’ personal attitudes towards entrepreneurship and instilled a sense of confidence in their entrepreneurial abilities. The study concludes by providing some recommendations for entrepreneurship education. / Bogwebi ke sethankgolodi sa kgolo le tlhabololo ya ikonomi, mme ke ka moo puso ya Aforikaborwa e tswelelang go beeletsa mo mananeong a a ikaeletseng go tokafatsa tlhabololo ya bogwebi mo bašweng. Le gale, Aforikaborwa e sa ntse e na le seelo se se kwa tlase sa ditiragatso tsa bogwebi ka botlalo. Go susumetsa tiragatso ya bogwebi, barutegi, badiradipholisi le puso ba supile thuto ya kgwebo jaaka karolo ya botlhokwa. Thuto e tlamela ba e ka nnang bagwebi le bagwebi ba ba setseng ba le gona ka kitso, bokgoni, go itshepa, boitlhamedi le boitshimololedi jo bo tlhokegang go dira sentle mo bogwebing. Lenaneo lengwe la bogwebi le le ikaeletseng go tlhama le go tokafatsa maikemisetso a kgwebo mo barutwaneng ba dikolo tse dikgolwane le tlamelwa ke Junior Achievement South Africa (JASA). Le gale, nonofo ya lenaneo la thuto ya kgwebo la JASA e sa ntse e sa itsewe. Lenaneo la Kgwebo le tlhama le go tokafatsa maikemisetso a morutwana a bogwebi. Thutopatlisiso e ne e lebeletse ka moo molebo wa sebele wa barutwana malebana le bogwebi, bokgoni jo go tsewang bo le gona jwa kgwebo, ditumelo tse di gona le maikemisetso a bogwebi di amiwang ka gona ke Lenaneo la Kgwebonnye (Mini Enterprise Programme). Thutopatlisiso e dirisitse mokgwa o o lebelelang dipalopalo mme ya dirisa lenaanepotsolotso la maikemisetso a bogwebi go araba potso ya patlisiso. Go kokoantswe data go tswa mo barutwaneng ba le 151 ba ba nnileng le seabe mo Lenaneong la Kgwebonnye ka manaanepotsolotso a a itlalediwang. Go dirisitswe SPSS go lokolola data ka dithekeniki tsa tokololo tse di tlhalosang le tse di lebang bokao. Phitlhelelo e kgolo ya thutopatlisiso ke gore Lenaneo la Kgwebonnye la JASA tota le tlhama le go tokafatsa maikemisetso a bogwebi a barutwana. Go lemogilwe gape gore lenaneo le tlhotlheletsa megopolo ya sebele ya barutwana malebana le bogwebi mme le tsenya go itshepa mo bokgoning jwa bona jwa kgwebo. Thutopatlisiso e konosetsa ka go tlamela ka dikatlenegiso dingwe malebana le thuto ya bogwebi. / Ikhono lobubhizinisi luyimvubelo yokuhlumisa kanye nokuthuthukisa umnotho, yingakho iNingizimu Afrika iqhubeka nokutshala izimali kwizinhlelo ezihlose ukuqinisa uhlelo lokuthuthukisa osomabhizinisi abasafufusayo. Ngakho-ke, iNingizimu Afrika isabonakala njengezwe elinezinga eliphansi kakhulu kwezezinhleli zokwenza ibhizinisi. Ukukhwezela izinga lokwezeka kwebhizinisi, osolwazi, abakhi bemigomo kanye nohulumeni bonke sebebone ukubaluleka kwemfundo njengesigaba esisemqoka. Imfundo ihlomisa ngamathuba kanye nosomabhizinisi abakhona ngolwazi, ngamakhono, ngethemba, ngobuciko bengqondo kanye nekhono lamaqhinga amasha adingeka ukuthi ukwazi ukuphumelela kwezibhizinisi. Uhlelo olunjalo lwezebhizinisi oluhlose ukwakha nokuqinisa izinhloso zobubhizinisi hlangana nabafundi abasemabangeni aphezulu, lwethulwa yinhlangano ye-Junior Achievement South Africa (JASA). Yize-kunjalo, ukusebenza ngempumelelo kwezinhlelo zemfundo yobubhizinisi i-JASA kaningi kuhlala kungaziwa kahle. Uhlelo lwebhizinisi i-Enterprise Programme lwakha futhi luqinisa izinhloso zabafundi zebhizinisi. Lolu cwaningo lugxile kwindlela imikhuba yomfundi ngamunye iba nomthelela ngayo kwezebhizinisi, kwezamakhono aziwayo ezebhizinisi, kwingqubo ethatha uhlangothi kanye nakwizinhloso zebhizinisi zithintwa wumthelela we-Mini Enterprise Programme. Ucwaningo lusebenzise indlela eyencike kumanani (quantitative method) kanti futhi luphinde lwasebenzisa umbhalo wemibuzo onezinhloso zobubhizinisi ukuphendula umbuzo wocwaningo. Idatha iqoqwe kubafundi abayi-151 ababebandakanyeka ohlelweni lwe-2018 Mini Enterprise Programme ngokusebenzisa imibhalo yemibuzo egcwaliswa yolowo mfundi ophendulayo qobo lwakhe. I-SPSS isetshenziselwe ukuhlaziya ilanga ngokusebenzisa izinhlelo zokuhlaziya i-descriptive and inferential analysis techniques. Ulwazi olunzulu olutholwe wucwaningo olwenziwe yi-JASA’s Mini Enterprise Programme empeleni luye lwakha futhi lwaqinisa izinhloso zabafundi kwezebhizinisi. Kuye kwatholakala ukuthi uhlelo luye lwaba nomthelela omuhle kwimikhuba yabafundi ngamunye kwikhono lobubhizinisi futhi lwatshala ummoya wokuzethemba kumakhono abo obubhizinisi. Ucwaningo luphetha ngokunikeza izincomo ezimayelana nemfundo yobubhizinisi / Business Management / M. Com. (Business Management)

Abstracts in English, Zulu and Southern Sotho / The advent of Basel II Capital Accord has revolutionised credit risk measurement (CRM) to the extent that the once “perceived riskier bank assets” are now accommodated for lending. The Small and Medium Enterprise (SME) sector has been traditionally perceived as a riskier and unprofitable asset for lending activity by Commercial Banks, in particular. But empirical studies on the implementation of the Basel II internal-ratings-based (IRB) framework have demonstrated that SME credit risk is measurable. Banks are still finding it difficult to forecast SME loan default and to provide credit to the sector that meet Basel’s capital requirements. The thesis proposes to construct an empirical credit risk measurement (CRM) model, specifically for SMEs, to ameliorate the adverse effects of SME credit inaccessibility due to high information asymmetry between financial institutions (FI) and SMEs in Zimbabwe. A well-performing and accurate CRM helps FIs to control their risk exposure through selective granting of credit based on a thorough statistical analysis of historical customer data. This thesis develops a CRM model, built on a statistically random sample, known-good-bad (KGB) sample, which is a better representation of the through-the-door (TTD) population of SME loan applicants. The KGB sample incorporates both accepted and rejected applications, through reject inference (RI). A model-based bound and collapse (BC) reject inference methodology was empirically used to correct selectivity bias inherent in CRM domain. The results have shown great improvement in the classification power and aggregate supply of credit supply to the SME portfolio of the case-studied bank, as evidenced by substantial decrease of bad rates across models developed; from the preliminary model to final model designed for the case-studied bank. The final model was validated using both bad rate, confusion matrix metrics and Area under Receiver Operating Characteristic (AUROC) curve to assess the classification power of the model within-sample and out-of-sample. The AUROC for the final model (weak model) was found to be 0.9782 whilst bad rate was found to be 14.69%. There was 28.76% improvement in the bad rate in the final model in comparison with the current CRM model being used by the case-studied bank. / Isivumelwano seBasel II Capital Accord sesishintshe indlela yokulinganisa ubungozi bokunikezana ngesikweletu credit risk measurement (CRM) kwaze kwafika ezingeni lapho izimpahla ezazithathwa njengamagugu anobungozi “riskier bank assets” sezimukelwa njengesibambiso sokuboleka imali. Umkhakha wezamaBhizinisi Amancane naSafufusayo, phecelezi, Small and Medium Enterprise (SME) kudala uqondakala njengomkhakha onobungozi obukhulu futhi njengomkhakha ongangenisi inzuzo, ikakhulu njengesibambiso sokubolekwa imali ngamabhange ahwebayo. Kodwa izifundo zocwaningo ezimayelana nokusetshenziswa nokusetshenziswa kwesakhiwo iBasel II internal-ratings-based (IRB) sezikhombisile ukuthi ubungozi bokunikeza isikweletu kumabhizinisi amancane nasafufusayo (SME) sebuyalinganiseka. Yize kunjalo, amabhange asathola ukuthi kusenzima ukubona ngaphambili inkinga yokungabhadeleki kahle kwezikweletu kanye nokunikeza isikweletu imikhakha enemigomo edingekayo yezimali kaBasel. Lolu cwaningo beluphakamisa ukwakha uhlelo imodeli ephathekayo yokulinganisa izinga lobungozi bokubolekisa ngemali (CRM) kwihlelo lokuxhasa ngezimali ama-SME, okuyihlelo elilawulwa yiziko lezimali ezweni laseZimbabwe. Imodeli ye-CRM esebenza kahle futhi eshaya khona inceda amaziko ezimali ukugwema ubungozi bokunikezana ngezikweletu ngokusebenzisa uhlelo lokunikeza isikweletu ababoleki abakhethekile, lokhu kususelwa ohlelweni oluhlaziya amanani edatha engumlando wekhasimende. Imodeli ye-CRM ephakanyisiwe yaqala yakhiwa ngohlelo lwamanani, phecelezi istatistically random sample, okuluphawu olungcono olumele uhlelo lwe through-the-door (TTD) population lokukhetha abafakizicelo zokubolekwa imali bama SME, kanti lokhu kuxuba zona zombili izicelo eziphumelele kanye nezingaphumelelanga. Indlela yokukhetha abafakizicelo, phecelezi model-based bound-and-collapse (BC) reject-inference methodology isetshenzisiwe ukulungisa indlela yokukhetha ngokukhetha ngendlela yokucwasa kwisizinda seCRM. Imiphumela iye yakhombisa intuthuko enkulu mayelana namandla okwehlukanisa kanye nokunikezwa kwezikweletu kuma SME okungamamabhange enziwe ucwaningo lotho., njengoba lokhu kufakazelwa ukuncipha okukhulu kwe-bad rate kuwo wonke amamodeli athuthukisiwe. Imodeli yokuqala kanye neyokugcina zazidizayinelwe ibhange. Imodeli yokugcina yaqinisekiswa ngokusebenzisa zombili indlela isikweletu esingagculisi kanye negrafu ye-Area under Receiver Operating Characteristic (AUROC) ukulinganisa ukwehlukaniswa kwamandla emodeli engaphakathi kwesampuli nangaphandle kwesampuli. Uhlelo lwe-AUROC lwemodeli yokugcina (weak model) lwatholakala ukuthi luyi 0.9782, kanti ibad rate yatholakala ukuthi yenza i-14.69%. Kwaba khona ukuthuthuka nge-28.76% kwi-bad rate kwimodeli yokugcina uma iqhathaniswa nemodeli yamanje iCRM model ukuba isetshenziswe yibhange elithile. / Basel II Capital Accord e fetotse tekanyo ya kotsi ya mokitlane (credit risk measurement (CRM)) hoo “thepa e kotsi ya dibanka” ka moo e neng e bonwa ka teng, e seng e fuwa sebaka dikadimong. Lekala la Dikgwebo tse Nyane le tse Mahareng (SME) le bonwa ka tlwaelo jwalo ka lekala le kotsi e hodimo le senang ditswala bakeng sa ditshebetso tsa dikadimo haholo ke dibanka tsa kgwebo. Empa dipatlisiso tse thehilweng hodima se bonweng kapa se etsahetseng tsa tshebetso ya moralo wa Basel II internal-ratings-based (IRB) di supile hore kotsi ya mokitlane ya SME e kgona ho lekanngwa. Leha ho le jwalo, dibanka di ntse di thatafallwa ke ho bonelapele palo ya ditlholeho tsa ho lefa tsa diSME le ho fana ka mokitla lekaleng leo le kgotsofatsang ditlhoko tsa Basel tsa ditjhelete. Phuputso ena e ne sisinya ho etsa tekanyo ya se bonwang ho mmotlolo wa kotsi ya mokitlane (CRM) tshebetsong ya phano ya tjhelete ya diSME e etswang ke setsi sa ditjhelete (FI) ho la Zimbabwe. Mmotlolo o sebetsang hantle hape o fanang ka dipalo tse nepahetseng o dusa diFI hore di laole pepeso ya tsona ho kotsi ka phano e kgethang ya mokitlane, e thehilweng hodima manollo ya dipalopalo ya dintlha tsa histori ya bareki. Mmotlolo o sisingwang wa CRM o hlahisitswe ho tswa ho sampole e sa hlophiswang, e leng pontsho e betere ya setjhaba se ikenelang le monyako (TTD) ya batho bao e kang bakadimi ba tjhelete ho diSME, hobane e kenyelletsa bakopi ba amohetsweng le ba hannweng. Mokgwatshebetso wa bound-and-collapse (BC) reject-inference o kentswe tshebetsong ho nepahatsa tshekamelo ya kgetho e leng teng ho lekala la CRM. Diphetho tsena di bontshitse ntlafalo e kgolo ho matla a tlhophiso le palohare ya phano ya mokitlane ho diSME tsa banka eo ho ithutilweng ka yona, jwalo ka ha ho pakilwe ke ho phokotseho ya direite tse mpe ho pharalla le dimmotlolo tse hlahisitsweng. Mmotlolo wa ho qala le wa ho qetela e ile ya ralwa bakeng sa banka. Mmotlolo wa ho qetela o ile wa netefatswa ka tshebediso ya bobedi reite e mpe le mothinya wa Area under Receiver Operating Characteristic (AUROC) ho lekanya matla a kenyo mekgahlelong a mmotlolo kahare ho sampole le kantle ho yona. AUROC bakeng sa mmotlo wa ho qetela (mmotlolo o fokotseng) e fumanwe e le 0.9782, ha reite e mpe e fumanwe e le 14.69%. Ho bile le ntlafalo ya 28.76% ho reite e mpe bakeng sa mmotlolo wa ho qetela ha ho bapiswa le mmotlolo wa CRM ha o sebediswa bankeng yona eo. / Graduate School of Business Leadership / D.B.L.

English text, with summaries in English, Afrikaans and Zulu / This study aims to propose an e-learning framework for mobile devices in Africa to help improve enrolment rates and education standards in the FET (Further Education and Training) phase. The study is qualitative in nature and employs document analysis as main research method. An overview of the South African education context with supporting statistical data to motivate why an e-learning alternative is crucial for improving South African and African education is provided. The literature review includes a descriptive analysis of 7 existing e- and m-learning frameworks, with key features highlighted for possible adaptation or incorporation into an e-learning framework for Africa. Behaviourism, Constructivism and Connectivism are discussed as applicable learning theories to pedagogically underpin this proposed e-learning framework. Thereafter, a critical evaluation of current South African education policy documents (White Papers, the Norms and Standards for Educators and the Draft Policy for the Provision and Management of Learning Teaching and Support Materials) is conducted to determine whether these policies support and enable e-learning effectively. Part 2 of Chapter 5 comprises a critical analysis and comparison of education systems and applicable legislation in the USA, Finland and Malawi to establish how education is structured and how e-learning is administered in these countries to make relevant recommendations for South Africa and to inform the design of an e-learning framework for Africa. Research findings are presented as answers to the research questions posed and the proposed e-learning framework with further recommendations are presented to the South African Department of Basic Education, teachers and researchers. / Die doel van hierdie studie is om ‘n e-onderrig-en-leer raamwerk vir mobiele toestelle vir Afrika voor te stel, sodat inskrywingsgetalle en onderrig- en leerstandaarde in die Verdere Onderrig en Opleidings (VOO) fase verbeter kan word. Dit is ‘n kwalitatiewe studie en dokumentanalise word as navorsingsmetode toegepas. ‘n Oorsig van die huidige Suid-Afrikaanse onderwysstelsel en konteks met ondersteunende statistiese bevindinge word verduidelik om e-onderrig-en-leer as noodsaaklike alternatief vir Suid-Afrika en Afrika te motiveer. Die literatuuroorsig sluit ‘n beskrywende analise van sewe bestaande e- en m-onderrig-en-leer (mobiele-onderrig-en-leer) raamwerke in. Hoofkenmerke van elke raamwerk word uitgelig vir moontlike aanpassing en inkorporering in ‘n e-onderrig-en-leer raamwerk vir die Afrika-konteks. Leerteorië, nl Behaviourisme, Konstruktivisme en Konnektivisme (Connectivism) word in diepte bespreek as pedagogies fundamenteel om die e-onderrig-en-leer raamwerk te onderbou en te ondersteun. ‘n Kritiese evaluasie van Suid-Afrikaanse onderwysbeleid (d.w.s. Witskrifte, die Norme and Standaarde vir Onderwysers en die konsepdokument oor die Voorsiening en Bestuur van Onderrig-, Leer- en Ondersteuningsmateriaal) is gedoen om vas te stel of die beleid wel e-onderrig-en-leer effektief ondersteun en prakties moontlik maak. ‘n Krities analitiese en vergelykende studie van die VSA (Verenigde State van Amerika), Finland en Malawi se onderwysstelsels- en wetgewing is gedoen in hoofstuk 5 deel 2 om te bepaal hoe dié lande onderwys struktureer en hoe e-onderrig-en–leer geadministreer word, sodat relevante voorstelle vir Suid-Afrika gemaak kan word en om insae te lewer in die ontwerp van ‘n e-onderrig-en-leer raamwerk toepaslik vir die Afrika-kontinent. Navorsingsbevindinge word voorgelê aan die Suid-Afrikaanse Departement van Basiese Onderwys, onderwysers sowel as aan navorsers. / Lolu cwaningo luhlose ukuphakamisa uhlaka lwe-e-learning lamadivaysi eselula e-Afrika ukusiza ukuthuthukisa izinga lokubhalisa nezindinganiso zemfundo kwiSigaba se-FET (Further Education and Training). Ucwaningo luyimfanelo enemvelo futhi lusebenzisa ukuhlaziywa kwedokhumenti njengendlela yokucwaninga eyinhloko. Ukuhlolisisa umongo wezemfundo waseNingizimu Afrika ngokusekela imniningwane yezibalo ukugqugquzela ukuthi kungani enye yokufunda email ibalulekile ekuthuthukiseni imfundo yaseNingizimu Afrika ne-Afrika. Ukubuyekezwa kwezincwadi kuhlanganisa ukuhlaziywa okuchazayo kwezinhlaka eziyisikhombisa ezisekhona ze-e- e-m-learning, nezici eziyinhloko eziqokonyiswe ukukhishwa kwe-adaption noma ukufakwa kwisakhiwo se-e-learning se-Afrika. Ukuzikhethela, Ukwakhiwa kwe-Constructivism (Kwe Zokwakha) kanye ne-Connectivism (Kwe Zokuxhumana) kuxoxwa njengezifundo ezifanele zokufunda ukusekela lolu hlelo oluhlongozwayo lwe-e-learning. Ngemuva kwaloko, ukuhlolwa okubalulekile kwemibhalo yamanje yemfundo yaseNingizimu Afrika (Amaphepha Asemhlophe, Imigomo Nemigomo Yabafundisi kanye neNqubomgomo Yohlaka Lokufundiswa Nezifundo Nokusekela) kwenziwa ukuze kutholakale ukuthi lezi zinqubomgomo zisekela futhi zikwazi yini ukufundisa nge-e-ephumelelayo. Ingxenye yesibili yeSahluko sesihlanu iqukethe ukuhlaziywa okubucayi kanye nokuqhathaniswa kwezinhlelo zemfundo kanye nemithetho esebenzayo eMelika, eFinland nase Malawi ukuqinisekisa ukuthi imfundo ihlelwe kanjani nokuthi i-e-learning inikezwa kanjani ukwenza izincomo ezifanele eNingizimu Afrika nokwazisa ukuklama uhlaka lwe-e-learning lwe-Afrika. Imiphumela yokucwaninga inikezwa njengezimpendulo zemibuzo yokucwaninga ephakanyisiwe kanye nohlaka oluhlongozwayo lwe-e-learning kanye nezincomo ezengeziwe ezethulwa eMnyangweni wezemfundo Eyisisekelo, othisha nabacwaningi baseNingizimu Afrika. / Curriculum and Instructional Studies / M. Ed. (Curriculum Studies)