Thesis (Ph.D.)--Napier University Edinburgh, UK, 2008. / Includes bibliographical references (p. 299-313) and index.

Thesis (MTech (Internal Auditing))--Cape Peninsula University of Technology, 2015. / Approximately 57% of the total population in South Africa lives under the poverty line. In this regard, Small, Medium and Micro Enterprises (SMMEs) which provide microfinance play a vital role to provide access for poor households to banking-related financial services. This service can only be delivered sustainably through means of deploying effective management practices, especially in terms of risk management. The purpose of this research is to identify risks faced by microfinance SMMEs and to establish the effectiveness of the current risk management practices deployed by them. This study aims at increasing the knowledge base and understanding of risk management practices by conducting a comprehensive literature review and field research. In order to establish a theoretical basis, a comprehensive literature review was performed and prior studies on various aspects relating to microfinance risk management were investigated. This was followed by a field research which studied the risk management of microfinance providers in the Cape Metropole; large financial service providers like commercials banks were excluded. Data were collected by means of a questionnaire from microfinance providers in the Cape Metropole. These microfinance providers were drawn from a list of credit providers that was obtained from the National Credit Regulator (NCR) public domain. A purposive sampling method was used to select the participants for this study. The information provided by participants is kept strictly confidential and anonymity of all respondents was guaranteed. This research noted that collaterals are absent in microfinance and instead, a close connection between microfinance SMMEs and their clients come into place. Risk management frameworks which provide an all-inclusive approach to risk management are largely absent in microfinance SMMEs. Much fewer microfinance SMMEs actively identify risks, categorise, prioritise and document them appropriately. The research further showed that the views on risk management depend on whether the respondent is an owner or a manager of the enterprise.

Thesis (MTech (Internal Auditing))--Cape Peninsula University of Technology, 2010 / Developing countries face the great challenge of balancing growth with equity and justice. Growth, in all its fairness, should translate into equitable opportunity for all, but as is observed, the distributional effect of growth often does not filter down to the majority of the socially and economically disadvantaged communities. It is imperative in these situations to embark on a process of developmental change to improve the quality of life of the majority of the disadvantaged community. South Africa used this strategy to endeavour to encounter or reverse the political history of the country, by encouraging entrepreneurs of previously disadvantaged racial groups through the Department of Trade and Industry (DTI) to open small businesses. The South African Government believes that the development, growth and sustainability of the Small, Medium and Micro Enterprise (SMME) sector will help the country to decrease the high unemployment rate, and lead the country as a whole to a sustainable economical development. Research has shown that this aim can no longer be achieved by only facilitating access to finance to entrepreneurs. They argue that some management strategies such as risk management should be introduced, understood and applied by small business owners, in order for their businesses to go beyond their actual estimated survival period referred as 3 to 5 years maximum. This research provides background to which risk management techniques are applied within the ambit of small enterprises. The data were collected from eighty eight companies drawn from a possible of 150 small enterprises found in the Cape Metropole. The analysis of data of those who responded has shown that very few SMME owners, managers, entrepreneurs or key designated employees make use of risk management tools and techniques within their businesses, to achieve growth and sustainability. However, the majority agreed to the high importance of risk management in the success of a business enterprise.

Thesis (MTech (Internal Auditing))--Cape Peninsula University of Technology, 2015. / The research study focuses on the risk management practices and procedures small, medium and large enterprises in the Cape Metropole have in place to mitigate social media risks. Enterprises and employees of these enterprises use social media platforms for business and personal purposes. There usage could have an impact on the enterprise should social media risks materialise due to a lack of formalised risk management practices and procedures. The purpose of the research study is to determine whether enterprises have risk management practices and procedures in place to mitigate social media risks. The research study also expands on the controls enterprises have in place and seeks to gain an understanding of the type of social media platforms used by the enterprise. The research study consisted of a literature review and an empirical study to investigate social media risk management practices and procedures in enterprises. A quantitative research method were used to carry out the required research, by making use of a structured questionnaire to obtain responses from respondents from small, medium and large enterprises in the Cape Metropole. The research results obtained revealed that most enterprises have implemented risk management practices and procedures. However, not all enterprises have risk management functions in place which involves all relevant departments to support in mitigating social media risks, more specifically to monitor and manage adherence to social media policies and procedures. The researcher recommends that enterprises have to enhance their control environment and improve existing risk management functions, practices and procedures on a continuous basis before such risks materialise and potentially damage their enterprise.