The goal of the study was to explore the effect of garnishee orders on the personnel of the Department of Health, Rustenburg. The researcher utilised a qualitative research approach to gain deeper understanding of the effects of garnishee orders on the employees. The study used a non-probability sampling technique with volunteer sampling to select the sample of ten participants. Semi-structured interviews conducted with the use of an interview schedule in conjunction with a recording device were used to gather data. A qualitative analysis was used to grasp the richness of themes derived from the narrative of participants. In analysing data the researcher was guided by the analytical spiral of Creswell (1968) as stipulated by De Vos (2005:334) which involves planning and recording of data, data collection and preliminary analyses, managing and organising data, reading and writing memos, generating categories, themes and patterns, coding the data, testing the emergent understanding, searching for alternative explanations and representing and visualising. The empirical findings reveal that employees and management were confronted by the phenomenon of garnishee orders on a daily basis. The majority of participants view external factors to be the cause of their financial difficulties. The participants further revealed that they feel trapped by over-indebtedness resulting in psycho-social and occupational maladjustments. Ironically, some of the participants reported positive effects of garnishee orders. Furthermore, the study revealed that the participants felt that they would benefit from regular guidance and training with regard to personal financial management. / Dissertation (MSocSci)--University of Pretoria, 2013. / Social Work and Criminology / unrestricted

Financial problems have become a serious problem that enjoys high priority within the Employee Assistance Programme (EAP) in the Office of the Premier, Limpopo Province. It is a major concern shared by management and staff, as it continuously impact negatively on job performance due to absenteeism and the low morale of employees. The researcher became motivated to undertake this research study due to her practical and professional experience as an EAP Practitioner within the Office of the Premier. It has been observed and established by the researcher during her professional working career that financial problems are at the top of the list in terms of statistics of cases handled within the EAP Office. Furthermore, no prior study was done that could determine the nature of the problem. This situation therefore triggered the researcher to conduct a study that will determine the nature of the problem. The aim of this study is to explore the nature and effects of financial problems on employees in the Office of the Premier, Limpopo Province. In conducting this study, the researcher followed a qualitative research approach in order to elicit the views and opinions of the respondents regarding the nature and effects of financial problems. The semi structured one-to-one interview schedule was used in order to gather the data. A total of nine (9) respondents, obtained from the database of statistical records in the EAP Office, were interviewed. A purposive sampling method was used to select the sample of nine respondents from a population of eighteen (18). The researcher selected those respondents with two or more garnishee orders or loans. A theoretical discussion focusing on: the nature of financial problems as a common phenomenon, the causes of financial problems, the symptoms of financial problems, the effects of financial problems on employees, as well as guidelines on how to assist troubled employees will be presented in Chapter two. The research findings indicated that there seems to be a positive relationship between financial planning and financial problems. Few respondents believed that financial problems could result from poor financial planning. The findings further revealed that other social factors such as: overwhelming parental responsibilities of raising offsprings, loss of income by a spouse, high financial demands placed upon single parents and the rapid increase of inflation contribute towards financial difficulties. The effects of financial problems can be devastating since it impacts negatively on employees’ psychological and physical well-being. Thus, job performance suffers. / Dissertation (MSW)--University of Pretoria, 2006. / Social Work and Criminology / Unrestricted

Studies as described in the literature review indicate that most South Africans are highly in debt. The South African Reserve Bank’s quarterly bulletin is one of the prominent barometers for measuring household debt in the country and over the last five years has been indicating a steady decline but still very high household debt among South Africans. Studies have also shown that this relates to poor financial literacy and consumer ignorance in applying basic financial management practices. This is discussed in Chapter two of the study. The aim of the study was to determine the consumer debt level of the Department of Health public servants in Mahikeng, North West Province. This study used a consumer survey to measure consumer indebtedness among public servants in Mahikeng. The results of the study support literature in that the study found that most public servants are indebted. The findings also showed that 63% of the public servants spent more than 20% of their income in servicing debt. Thirteen per cent of the public servants taking part in the study had been served with either garnishee or emolument orders. The results of the study seem to suggest that public servants working for the Department of Health in Mahikeng and taking part in the study were indebted. / Business Management / M. Com. (Business Management)

Studies as described in the literature review indicate that most South Africans are highly in debt. The South African Reserve Bank’s quarterly bulletin is one of the prominent barometers for measuring household debt in the country and over the last five years has been indicating a steady decline but still very high household debt among South Africans. Studies have also shown that this relates to poor financial literacy and consumer ignorance in applying basic financial management practices. This is discussed in Chapter two of the study. The aim of the study was to determine the consumer debt level of the Department of Health public servants in Mahikeng, North West Province. This study used a consumer survey to measure consumer indebtedness among public servants in Mahikeng. The results of the study support literature in that the study found that most public servants are indebted. The findings also showed that 63% of the public servants spent more than 20% of their income in servicing debt. Thirteen per cent of the public servants taking part in the study had been served with either garnishee or emolument orders. The results of the study seem to suggest that public servants working for the Department of Health in Mahikeng and taking part in the study were indebted. / Business Management / M. Com. (Business Management)