Thesis (MDF)--Stellenbosch University, 2014. / Small and medium enterprises are recognised around the world as very important to a country’s economic wellbeing. In developing countries, small and medium-sized businesses are seen as effective vehicles that can quickly deliver much needed economic development, increased employment, wealth creation and, ultimately, reduction in the poverty levels. However, these businesses fail to deliver the much-touted economic and social-welfare benefits. This failure is attributed to the many challenges that small and medium enterprises face, among which is a critical lack of access to bank financing. Credit-guarantee schemes in sub-Saharan Africa have over the past decades become a preferred intervention to try and get more bank financing flowing to small and medium enterprises. In 2009, the Government of Zambia implemented the National Credit Guarantee Fund as its intervention measure to unlock constrained bank credit to the country’s small and medium enterprises. Experience with credit-guarantee schemes in sub-Saharan Africa, including Zambia, has been rather disappointing. This study therefore aimed to review the Zambia National Credit Guarantee Fund with respect to its operational design, implementation and usage, evaluating the extent to which the design and implementation met international best practice. The study also sought to find out whether the design of the scheme sufficiently considered the local context of small- and medium-enterprise financing and whether it was attractive enough for the local commercial banks in Zambia. Using an extensive literature review, survey questionnaires sent to all commercial banks registered in Zambia as well as structured interviews of senior banking and government officials, the study found that, despite the Zambian credit-guarantee scheme having proper and adequate design that conformed to international best practice, it was unable to attract the needed participation of the local commercial banks. We conclude that, while proper and adequate designs of credit-guarantee schemes are important in the success of the schemes, this by itself will not attract the participation of commercial banks in an economy like Zambia’s. We infer from the results of the study that certain other interventions, such as the improvement of the financial- and business-management capabilities of small- and medium-enterprise management, must be put in place before mechanisms such as welldesigned credit-guarantee schemes can be expected to achieve their intended aim.

The efficiency and effectiveness of any library in delivering quality services to clients is not only dependent on how skilled the librarians are but also on how motivated they are. This study investigated factors which affect motivation of librarians in Central and Copperbelt Provinces of Zambia. The study was a survey design involving questionnaires and interview technique to obtain information. A whole population of 100 respondents was used to collect data. The survey combined qualitative and quantitative methods, qualitative data obtained from interviews were analysed by coding and regrouping similar themes using constant comparative techniques. Quantitative data from questionnaires were analysed by using statistical package for social sciences (SPSS). Study findings indicated that there were various factors which motivated librarians to do more work such as responsibilities, good salary, promotion and work achievement. However, further revelation showed that there is still need to reinforce these factors to enhance more motivation of librarians. / Information Science / M. A. (Information Science)

This essay explores the cultural and socio-economic barriers for women’s political representation in Zambian politics as well as the importance of women’s representation for their human security. Due to a Western focus on earlier research, a developing country was chosen in order to investigate any differing perspectives that would emerge. The guiding research problem was why Zambia despite being relatively stable and peaceful still ranked lower in gender equality indexes when compared to their more unstable neighbours.A theoretical model outlined by Nadezhda Shvedova was used to formulate interview questions. The main material used for the study was semi-structured interviews conducted with members of the National Assembly in Lusaka Zambia as part of a Minor Field Study. The results allowed for an expansion of Shvedova’s model with one more category. The main conclusion reached is that all barriers outlined in Shvedova’s model were present in Zambia but that there is a slow but constant progress in eliminating these barriers mainly through political will and representation of women in politics. Suggested continuations of the study are to do a comparative study with a country in the region as well as conducting non-elite interviews and surveys outside the capital city Lusaka.

Source: Masters Abstracts International, Volume: 47-06, page: 3557. Advisers: Linda Lloyd; Linda Piller. Includes bibliographical references.

The health risks of unsafe sexual behaviour among young people aged 15-24, the stage when sexual activity including risky sexual behaviour is likely to begin, has been receiving growing attention. Researchers are attempting to identify factors which influence young people’s sexual behaviour so that meaningful prevention and intervention programmes can be developed. Using the 2005 Zambia Sexual Behaviour Survey, this study examines the level and determinants of sexual behaviour measured according to age at first sex, age at first childbearing, and condom use at first sex, among young people in Zambia. A total sample of 2,813 young people, representing 57.16 percent females and 42.84 percent males, was chosen for the analysis. The study employed survival analysis techniques to examine the timing and determinants of first sex and first childbearing. In addition, logistic regression models were used to predict the drivers of condom use at first sex. The analysis established that age at first sex, age at first childbearing, and condom use at first sex among young people in Zambia differ by cohort, gender, urban/rural residence, marital status, educational attainment, and province of residence. The results show that more young women (69.15 percent) than young men (57.84 percent) had initiated sex aged 15-24 years; whereas 47.89 percent of young women aged 15-24 years reported having had a first birth. The level of condom use at first sex was less than a quarter for young men (23.63 percent) and young women (24.34 percent), posing serious health challenges. There was evidence that the strongest predictors of sexual debut among young men were current age, residing in Lusaka or Northern provinces, and living in a household with television; while current age and higher education were positively associated with condom use at first sex among young women. The important determinants of first childbearing were age at first sex, and educational attainment. Finally, being unmarried, with some level of education, residing in Eastern, Luapula, Lusaka or Northern provinces, and living in a household with piped water or flush toilet, were found to be critical predictors of condom use at first sex among young people. It was concluded that although Zambia has shown progress in delaying sexual debut and first childbearing, other areas such as condom use at first sex, show little change – indicating a need for renewed efforts in HIV and AIDS prevention and family planning programmes. / Thesis (M.A.)-University of KwaZulu-Natal, Durban, 2012.

Water is an essential element of life. On average, 60 to 70 percent of a human body mass is water . In order to perform its functions properly, it is estimated that a human body needs about 2 to 3 litres of clean water per day2. For this reason, access to adequate, clean and safe water is indispensable to achieving human well-being, and securing human freedom and dignity. Given the important role water plays in sustaining human life, enhancing human dignity, freedom and development, it has been widely submitted that access to clean water should be recognised as an inalienable right. Ironically, although water is a basic requirement for life, access to water has not been adequately proclaimed and treated as a human right, especially in domestic law. Other than the international human rights instruments, there are very few countries which have explicitly protected access to water in the national constitutions and other major pieces of legislation. Arising from this is the question of whether explicit recognition of the right to water makes a difference for people living without access to safe sources of water. The main argument persued in this study is that although explicit recognition of the right to water can make a difference in the lives of millions of people who have no access to clean sources of water, mere recognition of the right to water does not constitute a 'magic bullet' for the challenges of access to clean water. Realizing the right to water requires moving beyond mere recognition to deeper levels of commitment which includes taking appropriate measures and implementing them. Moving beyond mere recognition, in turn, requires adequate and responsive institutions through which the rights can be asserted, contested and effectuated. In this context, civil society constitutes an important component of the institutional set up through which the right to water can be effectuated. The importance of civil society in realizing the right to water lies in the fact that human rights are not just given on a silver platter, they must be asserted, sufficiently contested for, and claimed. While the deployment of a rights-based approach to issues of access to water is in its infancy stages, it is apparent from the evidence gathered in this study that the rights-based approach is weak in unlocking and hooking into the real-politik, despite its rhetorical strength. This study explores the challenges faced in implementing the right to water. Focus in the study is on processes that produce situations where the right to water is, first of all, not well recognized as a human right; and secondly, processes that lead to the right to water not being fulfilled for millions of people. What the Zambian case has revealed is that failure to ensure that people have access to clean sources of water is not solely a question of lack of or inadequate resources as the situation is often made to appear in conventional political discourse. There are multiple factors involved, including inappropriate management of processes, systems and resources, which often is a consequence of lack of political will and commitment. Given the nature of the issues under investigation, a multi-method approach, which is a combination of different research methods and strategies, has been employed. Field work for the study was conducted in three different peri-urban communities in Zambia. / Thesis (Ph.D.)-University of KwaZulu-Natal, 2007.

Multiple sexual partnerships play a very significant role in the spread of HN with epidemiologists suggesting that these partnerships possibly drive the epidemic. According to epidemiological evidence, a reduction of these partnerships would have a substantial impact on the epidemic. Like most countries in sub-Saharan Africa, Zambia is facing a crippling HIV epidemic with prevalence in the 15-20 percent range. In light of this, this study explored youth perceptions of multiple sexual partnerships in the contex,t of HIV/AIDS. The main aim of the study was to provide some insight on these partnerships with the hope that this will shed some light on why these partnerships exist and what barriers and opportunities for change exist given Zambia's high HIV prevalence. The findings of this study suggest that there are several social, cultural, economic and environmental factors that influence the existence of multiple sexual partnerships among the youth. In addition, the study also shows that while young people acknowledge the benefits of faithfulness in sexual relationships, there are several barriers that prevent the youth from being faithful. / Thesis (M.A.)-University of KwaZulu-Natal, Durban, 2006.

The study also provides an overview of the impact of privatisation on human rights. To accomplish this objective, case studies of Zambia were undertaken within the concept of the social and economic impacts, seeking to answer six basic research questions posed: What were the objectives of the Zambian privatization programme? Was the privatization process executed according to the provisions of the Zambian Privatization Act of 1992 and 1996? How is the outcome of the privatization process perceived by Zambians, success or failure, what are some of the social and economic consequences of privatisation programme? What are the human rights implications of the privatization programme undertaken in Zambia? Mainly qualitative data collecting methods, involving semi-structured interviews, document analyses and direct observations of activities of the privatised companies were employed, to answer these questions. The study examines Zambia's background to privatisation, posits implications of privatisation on the realization of human rights, looks at the case study of privatisation of the ZCCM and the outcomes of privatisation. The study has been influenced by a number of conflicting divestiture evaluation outcomes: for some the Zambian privatization process represents a model programme, the 'most successful in Africa', which serves as an example for other developing African countries to emulate whilst for others, it is a "deeply flawed experience", resulting in negative social and economic consequences which permitted the withdrawal of the provision of social services, massive human rights violations and job losses. Based on evidence from these outcomes, the principal findings from the study suggest that Zambia's privatisation programme has had both negative and positive results. In reviewing the outcomes of the privatisation process, the intent is neither to justify nor reject privatisation, but rather, on the basis of past experience, to highlight key elements of outright failures and success and provide recommendations for future use. / Thesis (LL.M.)-University of KwaZulu-Natal, Westville, 2006.

Coffee prices reached their lowest levels in 30 years in 2001 (and in 100 years in real terms). In almost all coffee producing countries, such prices are unable to cover production costs and have led to serious social and economic problems, including increased poverty, indebtedness and abandonment of coffee farms. The heavy reliance on coffee renders APC vulnerable to markets downturns and to the competitive pressures that exist in the industry. The coffee crisis has actually been "brewing" for some time now, but has recently percolated as the reality of far reaching structural changes in global coffee production and marketing are being recognized. While there are strategies that could be taken by the coffee industry to improve on the current situation, these are unlikely to result in a quick recovery of world prices or farms' profitability. Coffee farmers face at least two distinct sets of problems associated with prices; the outright price level and volatility. Historically, coffee prices have been among the most volatile of all commodity prices. Cyclical price volatility, particUlarly within the crop season, can be managed through price risk management instruments. However, the secular price trend requires other longer-term elements, such as diversification or improvements in quality and productivity. The paper concludes that debt within the financial structures of industry players is a result of the crisis and to solve the coffee crisis strategies focussed on raising and stabilizing incomes of coffee producers is the ultimate goal and not increasing production statistics. / Thesis (MBA)-University of Natal, 2003.

This dissertation has been motivated by the prolonged deficiency of access to advanced regimens of Antiretroviral drugs(ARVs) and efficient health services by people living with HIV/AIDS (PLWHA) in Zambia, a least developed Member of the World Trade Organisation (WTO). Zambia‘s reality of dire provision of health services particularly essential medicines persists despite the urgent need for sustainable access to ARV drugs in poor African countries worst affected by HIV/AIDS, having been accentuated in the international declaration on Trade Related Aspects on Intellectual Property Rights (TRIPS) and Public Health. Furthermore, under international human rights law of treaties, access to medicines including ARV drugs, has been recognised as a core component of the right to health and or life which needs to be progressively realised by governments, even in the advent of globalisation of domestic health services including provision of medicines. Whilst the Zambian government has highlighted lack of funds as the foremost impediment to efficient supply of health services particularly essential medicines. Conversely the WTO has pronounced lack of legal adoption of a plethora of flexibilities envisaged in its relevant international agreements by most poor Members, as the foremost impediment to fostering efficient public health service delivery including access to ARV drugs and therapy for PLWHA. Thus to assist in ascertaining whether the issue of deficient access to ARV drugs as a health service is as a result of legal unpreparedness in poor countries specifically Zambia; or whether it is due to provisions in the WTO trade agreements that foster globalisation of health services through liberalised trade in services and pharmaceutical patent protection of essential drugs. This dissertation will analyse the WTO‘s multilateral trade agreements and their legal impact on access to ARV drugs as a health service and a human right to health in Zambia. The foregoing analysis will be conducted through a desk review of literature on the subject, making use of paper and electronic sources. / Thesis (LL.M.)-University of KwaZulu-Natal, Durban, 2012.