Homeownership is widely advocated and believed to contribute towards economic activity, employment, wealth creation, economic, political, and neighbourhood stability and financial independence. Despite government’s interventions to advance homeownership there is currently a declining trend in homeownership and an increase in renting experienced in South Africa. As the government does not have the resources to provide adequate housing to all South Africans, identifying the factors which attribute to non-subsidised homeownership will assist in implementing interventions and strategies to increase access to non-subsidised homeownership and reduce reliance on government subsidised housing. The main objective of this study was to determine the comparative odds of variables contributing to non-subsidised homeownership in South Africa from secondary data obtained from a South African household survey. Compared to the heuristic model, the following variables were found to align closely with the expectation created; non-subsidised homeownership attainment was most likely for households within high-income groups and least for households within the low-income groups, more likely for households who have access to credit than those without, more likely for households with no accounts in arrears than those with accounts in arrears, more likely for households with an ability to save than those without, most likely for households consisting of seven or more household members and least likely for single member households, most likely for households where FKP (Financially Knowledgeable Person) has completed a tertiary education level and least likely for households with primary not completed education levels, most likely for households where the FKP is older (aged 65 and older) and least likely for young FKP households (aged between 18 and 24), most likely for households residing in rural areas and least likely for households residing in metropolitan areas, most likely for female FKP households and least likely for male FKP households. Unexpectedly the regression model indicated that non-subsidised homeownership is most likely for households where the Financially Knowledgeable Person (FKP) is not economically active (for example pensioners) and least likely for employed households, most likely for households from the African population group and least likely for Indian households, most likely where the FKP is never married or single and least likely for separated or divorced FKP households (which is expected) and most likely for households residing in Limpopo (which is expected) and least likely for households residing Western Cape. / Financial accounting / M. Phil. (Accounting Science)

Efterfrågan och konsumtionen av jordens naturresurser ökar ständigt (Lieder & Rashid 2016). Längs med ett konsumtionsmönster som präglas av en mentalitet där produkter används ett fåtal gånger under en begränsad tidsperiod kommer också konsekvenser (Belk 2014a). Ett gehör på detta har lett till att nya affärsmodeller har börjat uppmärksammas. En affärsmodell av cirkulär karaktär är delningskonsumtion som bland annat inkluderar korttidshyra (Armstrong & Park 2019a). Genom att dela resurser under en kort period kan konsumenter uppleva ekonomiska-, utilitariska- och miljömässiga fördelar utan att äga produkten (Barhdi & Eckhardt 2012; Griffiths & Hwang 2017; Martin 2016). Men är ägandeskap en vän eller fiende gällande mer hållbara konsumtionsmönster? Syftet med denna studie är att observera hur ägandeskap påverkar adopteringen av korttidshyra och vidare observera om olika produktkategorier påverkas på olika sätt. En kvantitativ enkätundersökning genomfördes och resultatet tyder på att ägandeskap har en tendens att påverka adopteringen av korttidshyra sett till de observerade produktkategorierna. Dessutom finns det en indikation på att möbler tillsammans med kläder inte nödvändigtvis är särskilt lämpliga för korttidshyra medan bostäder samt, till viss del, elektronik kan anses vara mera lämpliga. / The demand and consumption of the earth's natural resources is constantly increasing (Lieder & Rashid 2016). In combination with a consumption pattern that is characterized by a “take-make-waste” mentality we face anticipated consequences (Belk 2014a). As a response, a new set of business models has begun to get attention. One of these more circular models is collaborative consumption which includes short-term renting (Armstrong & Park 2019a). By sharing resources during a short period, the consumers are able to experience monetary-, utilitarian- and environmental benefits without owning the product (Barhdi & Eckhardt 2012; Griffiths & Hwang 2017; Martin 2016). But is ownership a friend or foe in regards to more sustainable consumption patterns? The purpose of this study is to observe how ownership affects the adoption of short-term renting and further to observe if different product categories are affected differently. By conducting a quantitative online survey, the result shows that there is a tendency for ownership to affect the adoption of short-term renting in the observed categories. Furthermore, there is an indication that furniture along with clothing might not be suitable for short-term renting whilst accommodation, and for some part electronics, might be more suitable due to the degree that ownership affects the intention for adoption.