Thesis (M.B.A.)-Business Studies Unit, Durban University of Technology, 2006 v, 96 leaves, Annexures A-F / The marginal and low-income groups face a number of obstacles in their quest to secure housing finance to improve their living conditions. South Africa has a sophisticated and effective finance system. However, it appears that the only beneficiaries from it are the middle and upper income groups of the housing market. The whole system of accessing housing finance has proven to be problematic for the marginal and lower income groups for various reasons, among others: it is not user friendly and is not easily understood by an illiterate or poorly educated person. The key challenge for the South African housing finance system is to find ways of bridging the gap between those who have a regular income and those who do not. The credit gap exists because of the relationship between risk and cost which is a standard lending issue across the globe. The study has unpacked the obstacles by looking at the literature and role players in the housing finance. / M

Thesis is submitted in partial fulfilment for the degree of Master of Science in Development Planning to the Faculty of Engineering and the Built Environment, School of Architecture and Planning at the University of the Witwatersrand, Johannesburg, 2017 / Throughout the 21st century, floods have caused major disasters in urban areas worldwide and especially in Africa. Several factors influence the ability of government to manage flood disasters through the phases of, preparedness, mitigation, response and recovery at a local level. The vulnerability of poor communities to flood disasters exacerbates the impact of the flooding on their livelihoods. The inability of governments to communicate effectively with communities about preparedness strategies for flood mitigation has resulted in much damage in urban areas. The study used semi-structured interviews with Disaster Management officials and community members involved in flooding to evaluate the Disaster Risk Management in Bramfischerville. The fieldwork took place in Bramfischerville that was affected by the 2009 floods. The research revealed that the 2009 Bramfischerville floods were caused by heavy rains, the building of RDP housing on a floodplain and ineffective implementation of Disaster Management strategies by the CoJ. This research argues that in order to understand flood disasters, cooperation between all stakeholders involved in Disaster Management is vital in knowledge accumulation. The 2009 floods had negatively impacted the livelihoods of people in Bramfischerville. Their houses were damaged and they had difficulty traveling to work and school. In this view, the costs associated with floods are continuously being a debt for the people living in Bramfischerville. This research found that the disjuncture between the community and the City of Johannesburg (CoJ) officials exacerbates the negative impacts floods have on people’s livelihoods in Bramfischerville. / MT2018

Thesis is submitted in partial fulfilment for the degree of Master of the Built Environment in Housing to the Faculty of Engineering and the Built Environment, School of Architecture and Planning at the University of the Witwatersrand, Johannesburg, 2017 / The research report is based on the complex nature of land registration within a township establishment process in South Africa. Post 1994 democratic government have placed a great emphasis on land tenure security. Therefore it becomes crucial for government departments to identify, acquire and expropriate land for the provision of affordable integrated human settlements. The political drive for low income housing developments results in community pressured projects, disregarding the opening of a township register which enables individual title transfers. Several townships established on municipal owned land are incomplete wherein the General Plan is approved but not registered at the deeds office, hampering deed of transfers to allocated beneficiaries. Land exchanges, employer housing allowance, family inheritance and insurance contracts necessitate land ownership declaration. The various land tenure security approaches are explored and argued for formal recognition since they have been proven to be working successfully in other parts of the world. / XL2018

Thesis (Master of Environmental Management)--Cape Peninsula University of Technology, 2018. / Over the past decades, environmental problems associated with low-cost housing developments have been reported on a national and global scale (see Sowman and Urquhart, 1998 and also Norville, 2003). Poor community participation in the early stages of project design and lack of public involvement in decision making regarding low cost housing development are said to have contributed to these environmental issues. The environmental issues that have been reported so far relate to escalating water quality due to poor storm water management and improper waste disposal which poses a threat to the natural environment. While there is as emerging view that the nature of environmental problems experienced in these settlements are due to a lack of participation by local people in decision making, there is virtual no studies that have located this analysis within the theoretical debate of modernist planning. The issue that has been ignored thus far is the fact that low cost housing development (in generally) still resembles the spatial pattern of both the modernist and apartheid planning orthodox. It is thus from this context that the local people are increasingly excluded from participating in decision making. This form of modernist development is contrary to the ethos of sustainable development. In essence, sustainable development, as a new development theory, also adheres to the notion of local citizenry involvement in development for the benefits of the future generation. The research study further argues that poor people need to participate in decision making regarding the design and delivery of these houses (Oelefse, 1997). Therefore, the study investigated the underlying environmental implications associated with informal economic activities in a low cost housing establishment. The research study adopted a qualitative research design and an inductive approach. Dunoon was used as a case study for the research. The study used two sampling techniques, purposive sampling and random sampling,were used. Interviews, questionnaires and observations were used to collect data from the residents, informal businesses in Dunoon and key stakeholders from the Department of Environmnental Affairs as well as City of Cape Town. The findings of the thesis illustrate that long-term environmental impacts that are visible in the low-cost housing development of Dunoon are triggered by informal economic activities that are practised by the local people to make a living. In this regard, this thesis argues that local people need to be involved in the early planning and design stages of low-cost housing development. They need to be involved in all development stages to ensure that they drive the vision of the development. Lack of involvement of the local people in the initial stages of decision-making on the project triggered severe long term environmental impacts. The study then concludes that long-term environmental impacts in Dunoon are intertwined with the escalation of informal economic activities initiated by the local people in order to cope with harsh economic realities. These informal activities are a form of reaction to the imposed version of development. Thus, the environmental problems that emerged out of this pattern of human activities must be analysed by means of conceptualising the Dunoon low-cost housing as a product of modernist planning philosophy. Based on the information gathered and discussed in this thesis, it is concluded that the low-cost housing development is a product of modernist planning.

M. Tech. Business Administration

The right to adequate housing is recognized internationally as a basic human right. South Africa is one of the countries that include this basic right as one of the cornerstones in its constitution. Quite a number of ways and means have been implemented and various kinds of mechanisms have been put into place to kickstart and spearhead the process of providing shelter mainly to the poor segments of the communities in South Africa at large. Towards this end the South African Housing Policy is formulated around the notion of the enabling approach whereby state assistance in the form of a lump sum subsidy is given to households to enhance and intensify the beneficiaries' own efforts towards improving their housing. In other words the smooth operation of the enabling approach is to a large extent dependent on the individuals' substantial contribution in many if not all aspects of housing process. The study demonstrates that since the implementation of this enabling approach too little has been achieved in terms of housing delivery. The study therefore identifies three key issues (among other issues) that are seen as major bottlenecks in the implementation of the enabling approach in housing delivery for all. The study argues that in order for the beneficiaries to consolidate their housing, they need to augment their low-income with a loan or any other form of a housing credit. It is the central argument of this study in this regard that proper housing credit mechanisms suited to the circumstances of the low-income groups have not been adequately addressed. The study further observes that the majority of low-income groups do not have proper labour and employment skills in that these groups also lack access to employment opportunities. This study therefore adopts the position that proper structures need to be put in place in-order to eradicate these above-mentioned major hurdles standing in the way of the enabling approach. The study argues that if these issues are not adequately addressed, housing consolidation among low-income groups will remain a major problem and the enabling approach will eventually be regarded as non-viable and incompetent. / Thesis (M.Arch.)-University of Natal, Durban, 2002.

Thesis (M.B.A.)-Business Studies Unit, Durban University of Technology, 2006 v, 96 leaves, Annexures A-F / The marginal and low-income groups face a number of obstacles in their quest to secure housing finance to improve their living conditions. South Africa has a sophisticated and effective finance system. However, it appears that the only beneficiaries from it are the middle and upper income groups of the housing market. The whole system of accessing housing finance has proven to be problematic for the marginal and lower income groups for various reasons, among others: it is not user friendly and is not easily understood by an illiterate or poorly educated person. The key challenge for the South African housing finance system is to find ways of bridging the gap between those who have a regular income and those who do not. The credit gap exists because of the relationship between risk and cost which is a standard lending issue across the globe. The study has unpacked the obstacles by looking at the literature and role players in the housing finance.

This thesis set out to examine the application of the supporter paradigm in the incremental housing process in South Africa, and the way support for housing consolidation has been orchestrated in practice. It aimed to determine the forms of housing support that constitute preconditions of housing consolidation in the South African low income housing context. The supporter paradigm upon which post-apartheid housing policy is based takes its cue from the proponents of self-help housing, and the institutions that have entrenched it internationally. It outlines the housing support actions that would enable poor households to achieve housing adequacy incrementally . In South Africa, such households would constitute housing subsidy beneficiaries, seeking to achieve housing 'depth' through the process of housing consolidation, where the national subsidy programme would primarily only have delivered housing 'width' , or housing starts. Contrary to the expectations of the policy, the pace of housing consolidation has been slow, and the standard of the resultant housing poor. The thesis ' point of departure is that households which have not improved their dwellings, or whose improvement efforts have only yielded temporary housing, continue to experience housing inadequacy, despite subsidy support. This outcome contradicts the policy 's goal of enabling households to reach housing adequacy. That subsidy support is but one of a number of supports needed to enable housing consolidation is acknowledged by current policy. This study critiques the way support has been lent to households in consolidating situations conceptually and empirically. Conceptually, the study analyses the international and South African policy discourse around the support approach to housing delivery, as well as looks at some precedents in housing support practice internationally for useful lessons. Empirically, the study makes use of qualitative and quantitative research instruments to examine and analyse the housing support experience in three different types of incremental housing projects, located in eThekwini municipality, in the KwaZulu Natal Province of South Africa . The housing support findings are analysed within the context of what both the housing policy and the study 's key informants consider to be a holistic packaging of housing support, that should be attendant to any incremental housing project. On the basis of the study's findings, housing support practice is critiqued on two levels. At policy level, the study reveals that the foundation of South African housing policy in a neoliberal context, in the absence of support targeted at improving the incomes of the mainly very poor beneficiaries, sets them up for failure in their housing improvement efforts. At the implementation level, the study identifies three key areas of weakness. Firstly, there is absence of strategic direction at the National level, resulting in the treatment of housing support as an optional function by the housing implementation levels. Secondly, most housing authorities experience difficulty in understanding what housing support entails, because of its multifaceted nature and lack of specificity . Consequently, the support attendant to incremental housing projects is ad hoc and intermittent in nature, and is delivered on the basis of how the particular authorities or project staff understand housing support. As a result, in any given project, housing support is rarely comprehensively packaged. It is also largely an unfunded mandate. Thirdly, at project level, the thesis establishes that many of the problems that confront consolidating households can be attributed to projects that are poorly planned from the outset, and that support in this regard lies in the development of capacity at municipal level, to plan projects that have the potential to be consolidated in the first instance. As its main contribution, the thesis develops a multidimensional, comprehensive framework for packaging housing support. One dimension specifies upfront, the support elements considered important in the pre- and post-subsidy phases of the project, as well as in the project implementation phase. The exact form these would take in any project would be informed by the project and beneficiary characteristics. The second dimension packages the institutional roles for housing support, thereby removing the institutional ambivalence towards the housing support function, and specifying the institutional and role changes needed to enable housing support to occur. The third dimension packages support according to project type, indicating which forms of support apply to all types of projects, and which to specific modes of delivery in the South African context. The study concludes that while current housing policy is clear on the need to support households to meet consolidation goals, specificity of both process and actions needs to be lent to housing support practice. The multidimensional support package developed by the study is deemed a useful tool in providing such specificity, and clarifying how support for housing consolidation in South Africa should be set up in both policy and practice. / Thesis (Ph.D.)-University of KwaZulu-Natal, Durban, 2008.

Thesis (MSc (Consumer Science)--University of Stellenbosch, 2006. / The South African government drafted a national housing policy in 1994. This policy is being implemented in terms of seven strategies. One of the housing strategies is to provide subsidy assistance to low-income groups to enable them to become home owners and improve their quality of life. The delivery of state-subsidised housing will help to reduce the housing backlog and to reach the goal of eradicating informal settlements by 2014. The purpose of this study was to determine the levels of housing satisfaction of residents in state-subsidised housing units.

Thesis (MS en S)--Stellenbosch University, 2001. / ENGLISH ABSTRACT: South Africa has moved into a new political era in which all citizens are entitled to equal access to opportunities. Disadvantaged communities are cherishing high expectations of what the future will hold for them. To avoid trade-offs that can lead to the escalation of violence, more efficient management strategies are necessary to restructure the urban environment and address the problems of a rapidly urbanising population. The primary goal of this study is to examine to what extent mixed-use developments can facilitate economic development within low income communities. The results indicate that the planning of mixed-use developments, can create strong, welldefined city structures which will address the current urban deficiencies experienced in metropolitan areas. Mixed-use developments offer a means to integrate those parts of the metropolitan area with no coherent and integrated structure into the larger urban environment. An increase in densities, land use intensification and passing traffic can create the necessary market thresholds to sustain a wide range of economic and social activities and facilities that are typically not found in inwardly turned, peripheral communities. This can increase the standard of living of these communities by improving their access to economic opportunities, providing employment and supporting the fulfilment of their economic and social needs. The informal sector plays an important role in the urban economy. The creation of multi-functional markets within mixed-use development will stimulate groWth and employment creation within the informal sector. The higher economic thresholds and better access to markets and supplies can improve the viability of small -scale informal enterprises. These markets will benefit the local communities by providing a variety of economic activities and services within the same location. The stimulation of economic activity within the low income communities can improve the circulation of money and assist in the prevention of income leakage to other centres. The implementation of mixed-use development has the potential of addressing the problems currently inhibiting economic development of low-income communities. / AFRIKAANSE OPSOMMING: Suid-Afrika het 'n nuwe politieke era betree, waarin alle burgers op toegang tot gelyke geleenthede geregtig is. Die agtergeblewe gemeenskappe koester hoë verwagtinge vir die nuwe toekoms. Om te verhoed dat uitruiling ly tot 'n toename in geweld, is 'n meer doeltreffende stedelike bestuurstrategieë noodsaaklik om die snelgroeiende bevolking aan te spreek. Die studie het ten doel om die ekonomiese ontwikkelingskapasiteit van gemengde grondgebruiksontwikkeling, te ondersoek. Die gevolgtrekking van die studie is dat gemengde grondgebruiksontwikkeling 'n goed ontwikkelde stadstruktuur tot stand kan bring, waardeur die bestaande tekortkominge van stedelike gebiede aangespreek kan word. Dit bied 'n doeltreffende manier om stedelike gebiede, sonder 'n samehorige en geïntegreerde struktuur, met die groter stedelike gebied te skakel. 'n Toename in digthede, grondgebruiksintensiteit en deurverkeer sal die drempelwaardes, wat nodig is om 'n wye verskeidenheid ekonomiese en sosiale aktiwiteite te ondersteun, skep. Verhoogde toegang tot ekonomiese- en werks geleenthede sal die lewenstandaard van lae- inkomste gemeenskappe verhoog. Die informele sektor speel ook 'n belangrike rol in stedelike ekonomie. Die ontwikkeling van multi-funksionele markte, binne die gemengde grondgebruiksontwikkeling, kan groei en werkskepping binne die informele sektor stimuleer. Hoër drempelwaardes en beter toegang tot markte en voorraad kan die lewensvatbaarheid van informele ondernemings verbeter. Plaaslike gemeenskappe sal voordeel trek uit die toeganklikheid van 'n verskeidenheid ekonomiese aktiwiteite en dienste binne die mark. Die stimulering van ekonomiese aktiwiteite binne lae-inkomste gemeenskappe sal die sirkulasie van geld verbeter en die lekkasie van inkomste na ander sentrums teenwerk. Die implementering van gemengde grondgebruiksontwikkelings het die potensiaal om die probleme, wat die ekonomiese ontwikkeling van lae-inkomste gemeenskappe strem, die hoof te bied.