Thesis (MDF (Development Finance))--Stellenbosch University, 2008. / ENGLISH ABSTRACT: Small and Medium Enterprises (SMEs) are regarded as core drivers of private sector development in many countries. By their nature, SMEs encounter enormous problems, ranging from usage of appropriate technology, access to raw materials, lack of skills, etc. However, access to finance is frequently cited as the most prominent problem facing the SMEs. Access to finance is defined as the easiness to access credit from financial institutions and the costs associated with accessing credit from such institutions. This study focuses on credit guarantee schemes as one of financial instruments commonly used to encourage banks to provide credit to small businesses and first time borrowers. Specifically, we review the performance of the two schemes initiated by the Government of Lesotho through assistance of the donor community. The first scheme (Comprehensive Export Finance Scheme) was administered by the Central Bank of Lesotho through Lesotho National Development Cooperation between 1988 and 1996. The second scheme (Facility for small-scale financing scheme) was funded by United Nation Capital Development Fund, United Nations Development Programme and Lesotho Government. The latter was operated by Basotho Enterprise Development Corporation (BEDCO), Women in Business and Lesotho Council of Non Governmental Organisations (NGOs) between 1992 and 1997. We analyse the performance of these schemes in relation to their diversification and outreach objectives. We also compare these schemes in terms of the design features and operational issues as per global best practices. Further, some of the factors that affected effectiveness of the two schemes under consideration and the overall financial intermediation process in Lesotho are outlined. One of the findings of this study is that generally the two schemes failed to achieve the intended objectives as a result of a number of problems. Apart from the deficiencies of the scheme itself, problems in the business and financial sector affected the performance of these schemes. A striking common feature of these schemes is that they concentrated in few sectors. We also observed a general negligence by the banks in relation to screening and monitoring as a result of low risk exposure. In retaliation of poor due diligence by the banks, and a resultant high default rate by borrowers, guarantors repudiated claims and this led to the eventual erosion of the credibility of the schemes, and ultimate deterioration of guarantor lender relationships. From the findings, we have concluded that the schemes should be designed and be operated according to global best practices. For example, risk exposure should be shared in such a way that all the three parties, that is guarantor, lenders and borrowers, are exposed to some degree of risk. At the same time, where defaults occur, we recommend a speedy processing of claims by the guarantor, and that loan loss recovery activities are continued even when claims have been paid. We also make some recommendation in respect of the financial sector and business sector respectively. For the financial sector the recommendations include the establishment of credit bureaus and a National Identification System so that financial institutions can isolate good clients and price products accordingly. In respect of the business sector, key recommendations include the improvement of basic infrastructure, decentralisation of key support services to the districts, linking smaller entrepreneurs with large foreign firms, and increasing vocational and technical training in Lesotho. / AFRIKAANSE OPSOMMING: Kleinsake word in baie lande as die vernaamste dryfkrag van groei in die privaatsektor beskou. Vanwee hulle aard ondervind kleinsake egter 'n wye reeks probleme, wat strek van die benutting van gepaste tegnologiee en die toegang tot natuurlike hulpbronne tot die beskikbaarheid van die regte vaardighede. Toegang tot finansiering word dikwels as die mees belangrike probleem van klein sake beskou. Dit word gesien as die toeganklikheid van finansiele instellings vir krediet aan kleinsake en die koste van sodanige finansiering. Hierdie studie plaas die klem op kredietwaarborgskemas as een van die finansiele instsrumente om banke aan te moedig om krediet aan kleinsake en sakebeginners toe te staan. Binne die konteks van Lesotho kyk ons na twee sodanige skemas, geinisieer deur die regering van Lesotho, in samewerking met buitelandse donateurs. Die eerste skema (die "Comprehensive Export Finance Scheme") is gedurende die jare 1988 en 1996 deur die Central Bank of Lesotho geadministreer, in samewerking met die Lesotho National Development Corporation. Die tweede skema (die "Faculty for Small-Scale financing") is geborg deur die UN Capital Development Fund, die UNDP en die regering van Lesotho. Dit is geadministreer deur die Basotho Enterprise Development Corporation (BEDCO), "Women in Business" en die Lesotho Council of NGOs en was aktief gedurende die jare 1992 en 1997. Die studie ontleed die werking van kredietwetskemas met die oog veral op hul dekkingswydte en trefkrag. Daar word ook gekyk na die aard en operasionele besonderhede van die skemas, teen die agtergrond van wereldwye praktyke. Ten derde word gekyk hoe die skemas ingepas het by die breer finansiele proses van Lesotho. Die studie toon dat albei skemas, vanwee 'n hele reeks faktore, in hul oogmerke gefaal het. Afgesien van 'n reeks tekortkominge van die twee skemas self het probleme in die sakemilieu en die finansiele sektor hul werking nadelig beinvloed. Een van die tekortkominge van die skemas was 'n te eng fokus op slegs enkele sektore. Daar was ook 'n gebrek aan deeglike voorondersoeke en monitereing, o.a. as gevolg van 'n lae risikoblootstelling aan die kant van die banke. Een van die gevolge van die beperkte aandag van banke en die hoe mislukkingskoers van kleinsake was 'n toenemende onbereidwilligheid van die skemas om eise te erken. Dit weer het die geloofwaardigheid van die skemas in gevaar gestel en verhoudings tussen die uitleners (banke) en waarborgvoorsieners vertroebel. Die ondersoeke kom tot die slotsom dat die skemas volgens die beginsels van internasionale skemas van die soort hersien behoort te word. Dit sluit in die behoorlike deling van risikos (tussen lener, uitlener en waarborgverskaffer). Dit behoort ook 'n spoediger afhandeling van eise in te sluit. Die studie maak ook enkele voorstelle gerig op die wyer finansiele en sakesektor van Lesotho, soos bv. die noodsaaklikheid van "kredietburo's" en 'n nasionale identifikasiestelsel. Op 'n nog wyer vlak word verwys na die belangrikheid van 'n beter kommunikasie-infrastsruktuur, die desentralisasie van ondersteuningsdienste, nouer skakeling tussen klein sake en groter ondernemings asook beter tegniese- en sakeopleiding.

Thesis (PhD)--Stellenbosch University, 2013. / ENGLISH ABSTRACT: This PhD study investigated the organisational structure of medical communicative facilities and the related communicative experiences of health care providers and patients in HIV and AIDS care centres where there is language discordance between physicians and patients. Such discordance refers specifically to communication in contexts where patients and health care providers speak a number of different, mostly mutually unintelligible first languages (L1s) and where speakers have varying levels of proficiency in a lingua franca such as English. This study considers key moments within the organisational communication structure to assess how well the structure meets its communicative aims. The sites of care that provided empirical data in this study, were a public health clinic which is a division of a state hospital, and a privately run day care clinic both located near Maseru, the capital city of Lesotho. The participants were drawn from four categories, namely physicians, nurses, lay interpreters and patients. Data collection was done through semi-structured interviews, focus group discussions and direct observations of the study sites. The data was later transcribed interpreted and analysed according to insights gained from Organisation Theory on the one hand and Thematic Analysis and Qualitative Data Analysis on the other hand. The most important result of the study is the recognition of organisational fragmentation of care into different units which helps to facilitate communication where patients and physicians show marked language discordance. Further results illuminate several challenges that are encountered by participants in mediating and making meaning where language diversity is such that physicians’ linguistic repertoire does not match the repertoires of patients and local HCPs. The study highlights several institutional and interpersonal strategies that are used to overcome these challenges and to assure effective communication in the particular institutions. It also shows how some of these strategies fail to fully address the communicative challenges identified. The findings of this study suggest that in multilingual clinical contexts there is a need for more dedicated attention to interpreting practices, to the kinds of material distributed among patients and, more generally, to make consultative decisions on improved systems to put in place in order to facilitate communication related to quality health care. / AFRIKAANSE OPSOMMING: Hierdie PhD-studie het die organisatoriese struktuur van mediese kommunikatiewe geleenthede en die verwante ervarings van beroepsmense in gesondheidsorg van pasiënte in HIV-versorgingsentra ondersoek, waar die taalvaardighede van dokters en pasiënte nie gesinchroniseer is nie. Die taaldissonansie verwys spesifiek na kommunikasie in kontekste waar pasiënte en beroepsmense in gesondheidsorg 'n verskeidenheid tale praat wat meestal onderling onverstaan-bare eerste tale (T1e) is van sprekers met ongelyke vlakke van vaardigheid in 'n lingua franca soos Engels. Die studie vestig aandag op sleutelmomente binne die struktuur van die kommunikasie van die organisasie om vas te stel hoe goed die bepaalde struktuur sy kommunikatiewe doelstellinge verwesenlik. Die terreine van gesondheidsorg wat empiriese data vir hierdie navorsing voorsien het, was 'n openbare kliniek wat verbonde is aan 'n staatshospitaal, en 'n privaat dagsorgkliniek wat albei naby Maseru, die hoofstad van Lesotho, geleë is. Die deelnemers behoort aan vier kategorieë, naamlik dokters, verpleegpersoneel, leke-vertalers/-tolke en pasiënte. Data insameling is gedoen deur middel van semigestruktureerde onderhoude, fokus groepbesprekings and direkte waarrneming by die betrokke instansies. Die data is later getranskribeer, geinterpreteer en geanaliseer volgens insigte uit Organisasie Teorie aan die een kant en Tematiese Analise en Kwalitatiewe Data Analise aan die ander kant. Die belangrikste bevinding van die studie is herkenning van die organisatoriese fragmentering van die sorg in verskillende eenhede wat help om kommunikasie te fasiliteer binne ‘n konteks waar pasiënte en dokters merkbare taaldissonansie vertoon. Verdere bevindinge werp lig op verskeie uitdagings wat deelnemers ervaar in die bemiddeling en skep van betekenis waar taaldiversiteit sodanig is dat die talige repertoires van die mediese praktisyns nie aangepas is by die talige repertoires van die pasiënte of plaaslike mediese beamptes nie. Die studie vestig aandag op verskeie institusionele en interpersoonlike strategieë wat gebruik word om uitdagings te oorkom en om effektiewe kommunikasie binne die betrokke instansies te verseker. Dit wys ook hoe sommige van hierdie strategieë misluk in die aanspreek van bepaalde kommunikatiewe uitdagings. Die bevindinge bevestig dat in die omgewing van ‘n veeltalige kliniek daar ‘n behoefte is aan meer toegewyde aandag aan tolkingspraktyke, aan die soort materiaal wat onder pasiënte versprei word, en in meer algemene terme, aan die neem van besluite gegrond op konsultasie sodat verbeterde stelsels geimplimenteer kan word om kommunikasie wat verband hou met goeie kwaliteit gesondheidsorg, te help bedien. / The African Doctoral Academy for financial support

Thesis (MEng) -- Stellenbosch University, 2014. / ENGLISH ABSTRACT: The Francou and Rodier (1967) empirical approach uses the original concept of envelope curves for the definition of the regional maximum flood (RMF). Kovacs (1980) adopted the Francou and Rodier empirical flood calculation method and applied it to 355 catchments in South Africa. He revised his study in 1988 to also include the southern portions of the Southern Africa subcontinent. No method other than the Francou and Rodier empirical flood approach in the reviewed literature was found to be suitable for the purpose of this study. Therefore the Francou and Rodier empirical approach, as applied by Kovacs in 1988, was reapplied and used in this study to update the RMF for Lesotho. Maximum recorded flood peaks were derived from annual maximum time series and an up to date catalogue of flood peaks for 29 catchments was compiled for Lesotho. The maximum recorded flood peaks were then plotted on the logarithmic scale against their corresponding catchment areas. There are 3 major river systems that divide Lesotho into hydrologically homogenous basins. Envelope curves were drawn on the upper bound of the cloud of plotted points for these 3 river basins. These envelope curves represent the maximum flood peaks that can reasonably be expected to occur within the respective river basins in Lesotho. / AFRIKAANSE OPSOMMING: Francou en Rodier (1967) se empiriese benadering maak gebruik van die oorspronklike konsep van boonste limiet kurwes vir die definisie van die streeks maksimum vloed (SMV). Kovacs (1980) het die Francou en Rodier empiriese vloed berekening metode toegepas op 355 opvanggebiede in Suid-Afrika. Hy hersien sy studie in 1988 om ook die suidelike gedeeltes van die Suider-Afrikaanse subkontinent in te sluit. Geen ander metode as die Francou en Rodier empiriese vloed benadering is in die literatuur gevind wat as geskik aanvaar kan word vir die doel van hierdie studie nie. Daarom is die Francou en Rodier empiriese benadering, soos toegepas deur Kovacs in 1988, weer in hierdie studie toegepas en gebruik om die SMV metode vir Lesotho op te dateer. Maksimum aangetekende vloedpieke is verkry vanuit jaarlikse maksimum tyd-reekse en ʼn opgedateerde katalogus van vloedpieke vir 29 opvanggebiede saamgestel vir Lesotho. Die maksimum aangetekende vloedpieke is grafies aangetoon op logaritmiese skaal teenoor hul opvanggebiede. Daar is 3 groot rivierstelsels wat Lesotho in hidrologiese homogene gebiede verdeel. Boonste limiet kurwes is opgestel om die boonste grens van die gestipte punte vir hierdie 3 gebiede aan te toon. Hierdie krommes verteenwoordig die maksimum vloedpieke wat redelikerwys verwag kan word om binne die onderskeie rivierstelsels in Lesotho voor te kan kom.

No description available.

Thesis (MPhil )--Stellenbosch University, 2011. / ENGLISH ABSTRACT: With the advent of the information age, government ministries in Lesotho, as well as nongovernmental agencies, are trying to gain publicity in terms of services they offer to the general public. The Ministry of Employment and Labour (MEL), for example, resorted to using radio programmes in order to inform the public about the services it offers. These range from career guidance and counselling, pre- and post-employment advice, information about occupational health and safety and HIV/AIDS, providing facts about what type of vacancies are available locally and internationally, to instilling the spirit of dialogue among relevant stakeholders in matters related to labour, employers and employees. During various weekly radio presentations, presented in Sesotho, several departments are able to go on-air and present services that their departments offer to the general public and what the public can do in the event they are given a disservice by the concerned department. In the process of doing so, many technical terms are used. These often take the form of code switches into English, translations from English into Sesotho and borrowings from English. The purpose of this thesis is to examine whether the use of code switching, translation and borrowing makes it possible for factory workers in Lesotho to understand the message that is being delivered to them in a clear and unmistakable manner that will influence a change of behaviour on the part of factory workers. In order to ascertain the level of comprehension of technical terms, participants completed a questionnaire in which they gave their understanding of various technical terms selected from transcribed MEL radio broadcasts. The findings of this study show that the use of code switching, translation and borrowing from English limit the understanding of what is being communicated, making the radio broadcasts less effective in disseminating information on matters related to HIV/AIDS, the plight of factory workers according to the ratified conventions of the International Labour Organization (ILO), legal terms related to contracts of employment, their commencement and termination, conditions of work, the level of the unemployed versus the employed, skills needed to venture into the country’s labour market and occupational health and safety guidelines as reflected in the Labour Code of Lesotho. / AFRIKAANSE OPSOMMING: Met die aanbreek van die inligtingsera probeer staatsministeries in Lesotho, asook nieregeringsorganisasies, om publisiteit te verkry vir die openbare dienste wat hul lewer. Die Ministerie van Werksverskaffing en Arbeid (MWA) het byvoorbeeld besluit om gebruik te maak van radioprogramme om die publiek in te lig aangaande sy dienste. Hierdie dienste wissel van beroepsvoorligting en -berading, voor- en na-indiensnemingsadvies, inligting oor bedryfsgesondheid en -veiligheid en HIV/VIGS, die verskaffing van feite oor beskikbare plaaslike en internasionale vakaturetipes, tot die kweek van ’n dialoog-gees onder relevante belanghebbendes in arbeid-, werkgewer- en werknemersake. Tydens verskeie weeklikse radio-aanbiedings, aangebied in Sesotho, kan ’n aantal departemente hulle openbare dienste adverteer, asook die prosedure wat gevolg kan word deur lede van die publiek wat veronreg is deur die gegewe departement. Hierdie boodskappe bevat verskeie tegniese terme, dikwels aangebied in die vorm van kodewisselings na Engels, vertalings uit Engels na Sesotho, asook Engelse leenwoorde. Die doel van hierdie tesis is om vas te stel of die gebruik van kodewisseling, vertaling en woordleen fabriekswerkers in Lesotho daartoe in staat stel om die boodskap wat gekommunikeer word te verstaan in ’n duidelike, ondubbelsinnige wyse wat tot ’n gedragsverandering onder die fabriekswerkers sal lei. Ten einde die begripsvlak vir tegniese terme vas te stel, het deelnemers ’n vraelys voltooi waarin hulle hul begrip van verskeie tegniese terme (geselekteer uit getranskribeerde MWA-radiouitsendings), weergegee het. Die bevindinge van hierdie studie dui daarop dat die gebruik van kodewisseling, vertaling en woordleen uit Engels die begrip van wat gekommunikeer word, beperk. Dít maak die radiouitsendings minder effektief in die verspreiding van inligting oor HIV/VIGS; die saak van fabriekwerkers (met inagname van die gesanksioneerde konvensies van die Internasionale Arbeidsorganisasie); regsterme wat verband hou met arbeidskontrakte, spesifiek hul aanvang en terminasie, asook werksomstandighede; die vlak van werkloses teenoor werkendes; die vaardighede wat benodig word om die land se arbeidsmark te betree; en bedryfsgesondheid en –veiligheidsriglyne, soos gereflekteer in die Arbeidswet van Lesotho.

Text in English and some in Sesotho / This thesis examined how masculinity develops among the Basotho accordion music artists of the period 1980-2015 with an intention to propose the reshaping of masculinity conducive for a human society. Different factors that influence masculinity among the Basotho as represented by Basotho accordion music artists are scrutinized to find out how masculinity as a thematic aspect in the development of Basotho accordion music has been manifested over a period of thirty-five years. Psycho-masculinity is employed in the present study to find out the impact of the existing form of masculinity among the Basotho. The study concludes that the present form of masculinity among the Basotho is precarious, not only to women and to children, but also to men in their two categories: those who exhibit masculinity as well as those who do not show evidence of it. Therefore, the study recommends that the Basotho masculinity should pay attention to the limitations of masculinity in order to minimize and consequently eradicate its negative side while simultaneously promoting its positive side towards men, women and children at large. / Linguistics and Modern Languages / D. Phil. (Language, Linguistics and Literature)

The purpose of this research is to investigate whether or not adult education acts as an agent for social change in Lesotho, especially in communities of the urban and rural poor. The importance and value of adult education as an agent for social change are highlighted. The study has employed a descriptive approach with case studies, involving samples from chiefs, the Ministry of Education and three prominent institutions: the Lesotho Distance Teaching Centre, the Lesotho Association of Non-Formal Education and the Institute of Extra Mural Studies. The samples of these constituencies totalled one hundred and forty-three. The study has used interviews, questionnaires and observations for collection of data. The researcher observed and judged the natural environment under which facilitation education occurred. Occurrences of all instances under observation were recorded and analysed. The study revealed that even though there is no government policy regarding adult education in Lesotho, the role played by adult education is important as an agent for social change. Adult education has proven its importance and value as a means of providing solutions to pressing issues and problems of the disadvantaged groups. Adult education has a wide range of achievements through which social change is visible and measurable. On the other hand, there is an equally strong opposing side that argues that adult education, as a provision of education in general, does not bring social change in Lesotho; instead, it perpetuates social inequalities that exist. Adult education, according to practices which conform to consensus and conflict paradigm principles, is used as an instrument to promote and strengthen the status quo of social inequalities in Lesotho. However, the researcher believes, through the findings of this study, that educating the urban and rural poor is a reasonable move because these groups constitute a large number of the human resource in Lesotho. With this human resource, if well developed, it is hoped that all other resources can be mobilised for the good of the nation. Lastly, the researcher believes that follow-up studies are needed in order to assess impact of adult education in Lesotho and recommends further research concerning adult education programmes and other pressing issues that are not included in this study. / Educational Studies / D.Ed. (Didactics)

No description available.

Cross-border conflicts on the African continent have increased tremendously in the post-colonial years. The widespread border conflicts on the African continent have been attributed to the arbitrariness with which Africa’s national boundaries were drawn during the colonial period. The colonial boundaries have left the doors open for perpetual conflicts among African states. This thesis proposes to investigate the prospects of grassroots diplomacy as an option of dealing with border conflicts with specific reference to the case of Lesotho/South Africa border relations. This is done by critically evaluating the role the District Liaison Committees (DLCs) have played in border relations between Lesotho and South Africa. The Lesotho and South African governments have institutionalised the resolution of border conflicts at grassroots level through the establishment of the DLCs. The DLCs consists of representatives of border communities in Lesotho and South Africa. The paper introduces a not so familiar concept of involving people at grassroots levels in the conducting of diplomacy between the two neighbouring countries. The central issue implicit in this paper is that grassroots diplomacy is succeeding in the case of Lesotho and South Africa. The DLCs have managed to reduce tension between the two countries along the borders which had existed over a long period of time, thereby, relieving the central governments of some of their duties. The thesis contents that high level conventional diplomacy is not always the answer to cross-border conflicts. The example of Lesotho and South Africa could be followed by other African countries in similar situations.

This study developed a general framework that can be applied to integrating environmental sustainability aspects into economic development planning in the case of exploiting water resources through inter-basin water transfers (IBWT). Using the Lesotho Highlands Water Project (LHWP) between Lesotho and South Africa (SA), the study used the multi-country ecological social accounting matrix (MC-ESAM) for Lesotho and SA to integrate ecological implications of the LHWP with the economic benefits of the project. The study further used the developed MC-ESAM multipliers to analyse the impact of lost ecological services downstream the LHWP dams in Lesotho on the wellbeing of households directly affected by the project in Lesotho and the general economies of Lesotho and SA. The MC-ESAM multipliers were also used to analyse different policy scenarios aimed at compensating affected households in Lesotho for ecological losses. The results revealed that while the LHWP has significant direct and indirect benefits in terms of social and economic development in Lesotho and SA, the project has serious unitended impacts on ecological resources and services, with resultant deleterious wellbeing implications for populations residing within the reaches of the LHWP rivers and downstream the LHWP dams in Lesotho. The results from the MC-ESAM multiplier analysis indicated that not only the income of populations directly affected by the project in Lesotho is likely to fall, but also that of other households and social groups, as well as the general economies of Lesotho. Also, because of economic dependence of Lesotho on SA in terms of imports, SA will also loose. The policy simulation results showed that compensating the ecological losses would greatly improve the welfare of directly affected populations and the rest of Lesotho economy. The empirical analysis and policy simulations results showed relatively small impacts in general, but were significant for groups of people directly affected by the project in Lesotho. The study demonstrated the importance of integrating ecological consequences into impact assessment of IBWT before such transfers can be implemented to ensure Pareto optimality and of considering economy-wide impacts and multi-sector, multi-country linkages associated with IBWT for a holistic impact assessment of IBWT. / Thesis (PhD (Agricultural Economics))--University of Pretoria, 2007. / Agricultural Economics, Extension and Rural Development / unrestricted