Problem Statement: The business of property finance has not been properly documented in South Africa. Available resource material focuses on the perspective of the property developer and investor largely neglecting the business of property finance. Thus comprehensive information on this business was not available to students and researchers This study set out to correct this deficiency. Research Procedure: Key property finance personnel in the major banks in the Republic of South Africa were interviewed to establish how the business of property finance is conducted. Jointly the interviewees represent 77% by volume of business over a period of two years A parallel process of literature research was undertaken to compliment the interview research and provide technical depth to the findings. Findings: The empirical and literature research results were combined to comprehensively document the processes, structures, systems, products / Business Management / M. Com. (Business Management)

Abstract  This thesis is based on the problems surrounding the building permit process that many in the construction industry is experiencing. When you are going to build something new, change a building or demolish a building, you need a building permit from the municipality where the measure is to be carried out. The purpose of the work is to identify the shortcomings that applicants in Malmö municipality experience with the building permit process. And what building permit applicants in Malmö municipality experienced were good and bad with their case and building permit process. Some shortcomings are long processing times, which is a problem and problem with drawings and documents, as well as other problems during the building permit process. The purpose is also to see what solutions are available to these problems, and solutions to shorten the processing times and have a more efficient building permit process. Several methods have been used to identify the perceived shortcomings in the municipality's building permit process. The study is partly based on an interview with Malmö municipality building permit officer which was conducted orally, and partly on a questionnaire that was sent to private individuals to find out which steps in the building permit process they found difficult to perform. Information about applicants comes from Malmö Municipality's city planning office during public documents. The questionnaire was sent out via email to 102 private individuals who applied for a building permit between the years 2019-2021. 19 people participated, which corresponds to a response rate of 18.6%. The types of building permits that have been investigated are new construction of ancillary buildings, extensions of ancillary buildings and extensions of detached houses. The results from the study have led to suggestions for improvement measures, based on the questionnaire responses, five major areas in the process were identified as insufficient. Many had problems with long processing times, there are many who apply for a building permit even if the municipality adheres to statutory processing times. If the municipality were to employ more staff, it could help to shorten the processing time, but it takes a lot of money to complete and there should be people to hire. Many also find it difficult to know which documents and drawings will be submitted with the application to the municipality, which some often consider to be unreasonably many requirements and documentation. Another problem is that private individuals can submit applications and drawings even if they do not have previous knowledge of the construction environment or architecture. Applications must be checked by a professional before the case is submitted to the municipality. The last area that many considered to be a problem is contact and communication with the building permit officer or the municipality. Many find it difficult to get in touch with administrators. A better communication system is needed as this usually takes time when external parties need to be involved in a case. Keywords: Building permit, Building permit process, Building permit documents, Complete documents, Malmö municipality, Planning and Building Act, National Board of Housing, Building and Planning, application process / Sammanfattning Detta examensarbete grundar sig i problematiken kring bygglovsprocessen som många i byggbranschen upplever. När man ska bygga något nytt, ändra eller riva en byggnad behövs ett bygglov från kommunen där åtgärden ska utföras. Syftet med arbetet är att identifiera de brister som sökande i Malmö kommun upplever med bygglovsprocessen. Samt vad bygglovssökare i Malmö upplevde var bra respektive dåligt med deras ärende och bygglovsprocess. Några brister är långa handläggningstider, som är ett av problemen och det andra är problem med ritningar och handlingar, samt andra problem under bygglovsprocessen. Syftet är även att se vilka lösningar som finns för dessa problem,    och hitta nya lösningar för att korta ner handläggningstiderna och få en effektivare bygglovsprocess.  För att identifiera de upplevda bristerna i kommunens bygglovsprocess har flera metoder använts. Studien grundar sig delvis på en intervju med Malmö kommun bygglovshandläggare som utfördes muntligt, och delvis på en enkätundersökning som skickades till privatpersoner för att ta reda på vilka steg i bygglovsprocessen som de fann svåra att utföra. Uppgifter om sökande kommer från Malmö kommuns stadsbyggnadskontoret under offentliga handlingar. Enkäten skickades ut via mejl till 102 privatpersoner som ansökte om bygglov mellan år 2019-2021. 19  personer deltog som motsvarar en svarsfrekvens på 18,6 %. Bygglovs typerna som undersökts är nybyggnad av komplementbyggnad, tillbyggnad av komplementbyggnad samt tillbyggnad av enbostadshus Resultaten från studien har lett fram till förslag på förbättringsåtgärder, baserat på enkätsvaren identifierades fem stora områden i processen som otillräckliga. Många hade problem med långa handläggningstider, det är många som ansöker om bygglov även om kommunen håller sig till lagstadgade handläggningstider. Om kommunen skulle anställa fler personal kan det hjälpa att förkorta handläggningstid, men det behövs stor ekonomi för att slutföra samt ska det finnas personer att anställa. Många har också svårt att veta vilka handlingar och ritningar som kommer att lämnas in med ansökan till kommunen, vilket vissa ansåg ofta var orimligt många krav och dokumentationer. Ett annat problem är att privatpersoner kan skicka in ansökan och ritningar även om de inte har tidigare kunskaper i byggmiljö eller arkitektur. Ansökningar måste kontrolleras av en professionell innan ärendet lämnas in till kommunen. Det sista området som många ansåg var problem är kontakt och kommunikation med bygglovshandläggare eller kommunen. Många har svårt att komma i kontakt med administratörer. Ett bättre kommunikationssystem behövs då detta vanligtvis tar tid när externa parter behöver involveras i ett ärende.

Abstracts in English, Xhosa and Afrikaans / The South African Social Security Agency (SASSA) is the mechanism that enables service delivery to alleviate poverty in South Africa through the payment of social grants as mandated by the Social Security Agency Act No. 9 of 2004. The rapid increase of social grant beneficiaries in the past decade, fuelled by social inequality, directly affects the administration cost associated with social grants. This study aimed to investigate the allocation of indirect costs related to the administrative elements that makes it possible for SASSA to pay social grants. Semi-structured interviews were conducted; the study concluded that ABC (activity-based costing) could be implemented as an alternative to the traditional costing (TC) method on a pilot project basis. The study also recommended a framework for SASSA to consider in laying the foundation to start the process of ABC implementation. Drawing from the research conducted, further studies on the implementation of ABC principles within the public sector could be pursued. / Ejensi ya Vuhlayiseki bya Vanhu ya Afrika Dzonga ku nga South African Social Security Agency (SASSA) i ndlela leyi endlaka leswaku mphakelo wa vukorhokeri wu koteka ku hunguta vusweti eAfrika Dzonga hikwalaho ka ku hakeriwa ka timalimpfuneto ta vanhu (social grants) tanihileswi swi pfumeleriweke hi Nawu wa Social Security Agency Act 9 wa 2004. Ku ndlandlamuka ka vavuyeriwa va malimpfuneto ya vanhu swi khumbha hi ku kongomisa tihakelo ta vulawuri leti fambelanaka na timalimpfuneto ta vanhu. Dyondzo leyi yi kongomisiwile eka ku lavisisa mphakelo wa tihakelo to ka ti nga kongomisi leti fambelanaka na swiyenge swa vulawuri leswi endlaka leswaku SASSA yi kota ku hakela timalimpfuneto ta vanhu. Ku endliwe ti-semi-structured interview. Dyondzo yi kumile leswo ti-activity-based costing (ABC) ti nga tirhisiwa hi ndlela yo cincana na maendlelo ya vupimahakelo bya ntolovelo eka projeke ya nkarhinyana. Dyondzo yi bumabumerile leswaku ku anakanyiwa rimba ro nyika mianakanyo yo sungula maendlelo yo tirhisa ABC. / Die “South African Social Security Agency” (SASSA) verlig armoede in Suid-Afrika deur ingevolge die “Social Security Agency Act” 9 van 2004 sosiale toelaes te betaal. Die aansienlike toename in die aantal begunstigdes het ʼn uitwerking op die administrasiekoste van sosiale toelaes. Hierdie studie ondersoek die toewysing van indirekte koste ten opsigte van die administratiewe elemente wat SASSA in staat stel om sosiale toelaes te betaal. Halfgestruktureerde onderhoude is gevoer. In hierdie studie word tot die gevolgtrekking gekom dat aktiwiteitsgebaseerde kosteberekening (ABK) as ʼn alternatief vir en as ʼn proefprojek die tradisionele kosteberamingsmetode geïmplementeer kan word. ʼn Raamwerk word aanbeveel wat as ʼn grondslag kan dien vir die implementering van ABK. / College of Accounting Sciences / M. Phil. (Accounting Sciences)