In South Africa household debt has increased rapidly over the past few years, therefore illustrating the importance of analysing liability usage behaviour of individual members within the household. In order to comprehend the behaviour of South Africans regarding liability usages, this study provides insight into why individuals find it necessary to obtain liability products as well as to indicate whether liability products are used to address the financial needs for the purpose it was developed for. To achieve the aim of this study, it was firstly necessary to develop a theoretical framework for the process of selecting credit products when satisfying financial needs. Secondly, the characteristics and intended usage purposes of different credit products available in South Africa were discussed and a debt classification framework was developed. Finally, data obtained from the Finscope South Africa survey was analysed according to the developed frameworks following a combination of two approaches. Firstly, a qualitative approach was used to identify the different financial needs which are satisfied when using liabilities. The financial needs identified were classified according to Alderfer’s existence relatedness growth (ERG) theory and the factors that have an influence on liability usage. Secondly, a quantitative approach was followed to indicate which financial needs are fulfilled when using different credit products. The results of this study suggest that individuals do not use liabilities only for the purpose what the products were originally developed for. The findings clearly indicated that individuals mainly use liabilities to satisfy basic needs which are classified as existence needs according to Alderfer’s ERG theory. Based on the data analysis a variety of factors such as access to credit and certain demographic characteristics have an influence on liability usage behaviour of individuals. The results further show that individuals mainly use informal, unsecured, short-term loans when satisfying their financial needs which might indicate that South Africans are unable to access formal credit products. / Financial Accounting / M. Phil. (Accounting Science)

This study investigated the factors influencing the utilisation of PMTCT of HIV services and proposed measures to promote service utilisation by HIV positive pregnant women in the FCT, Abuja, Nigeria. Effective interventions exist that can reduce the transmission of HIV infection to the baby. The study is a quantitative descriptive one, with 190 HIV positive pregnant women from 20 health Centres in three area councils in Abuja, who were interviewed using structured questionnaire to get their opinion. The findings revealed that the majority (90.4%) of the respondents were aware of PMTCT and how HIV can be transmitted from mother-to-child. The respondents (95.9%) were of the opinion that all pregnant women should be tested. Notably, PMTCT services will be hindered by the following: permission from spouse before being tested, couple counselling not done, group post test counselling, non-incorporation of family planning and low support group enrolment. Recommendations made include emphasis on couple counselling, confidentiality and friendly environment / Health Studies / M.A. (Public Health)

It is twenty-one years since South Africa’s democracy and the majority of South African households can still be classified as poor, despite the various interventions by Government to reduce poverty and inequality. The measurement used to determine the financial status of a household at a given point in time is its net equity in accordance with its Statement of Financial Position, calculated as its assets owned less liabilities owed. This study aimed to identify the selected significant factors that affect a South African household’s net equity value. In order to achieve the aim of this study, a heuristic model consisting of two components was developed. The first component considered which assets and liabilities should be included in determining a household’s net equity and how these assets and liabilities should be valued. The second component identified the selected factors that influence a household’s net equity. The heuristic model was applied to the empirical data using three phases. Firstly, the net equity value was calculated for each household. This was followed by an analysis of the selected factors that significantly influence household net equity. The last phase was performed to determine the effect of the identified selected factors in explaining the difference between households that have above average net equity values and those having below average values. The results of the study indicated that 11 selected factors significantly influence the net equity value in the South African household’s Statement of Financial Position. Seven of those factors significantly explain between 28,3 percent and 38,1 percent of the differences in the net equity value of a household when comparing the households with above average net equity value with those with below average values. This is useful information for policy makers in identifying the selected factors that will most significantly increase the net equity value of a household with a net equity value below the South African average. / Centre for Accounting Studies / M. Com. (Accounting Science)

Key words: communication, communication skills, ontogenesis of speech, influencing factors, communication skills, general educational program for preschool education, preschool age, family, teacher, nursery school, a stimulus program ANNOTATION The thesis of the possibility of development of communication skills in children of preschool age. He is interested in aspects of communication skills, and characterizes the speech ontogenesis stages of language development. It looks disordered, the possibility of development and factors that may affect it. It builds on language education in pre- school education from historical and contemporary perspective. Practical use of monitors of speech to describe situational picture among children aged 3-6 (7) years. The stimulus program to help identify the state of the continuous expression of children aged 5-6 (7) years, and considering the possibility of his influence. Finally, we discussed proposals for changes that could help develop communication skills in preschool children.

This thesis deals with the issue of teaching continuing beginners in adult EFL classes. It focuses on the description of factors that may influence the learning stagnation among these learners, and it attempts to ascertain the extent to which these factors take effect. Consequently, the thesis aims to characterize Czech continuing beginners as an independent group of learners and to provide scientific evidence which could clarify the assumptions, underlying the continuing-beginner concept. Lastly, but importantly, the thesis also intends to instigate further research in the field. The subject was investigated from the perspective of available pedagogical, andragogcial and psychological literature. Accordingly, four major factors, which may be at the root of continuing-beginner phenomenon, were identified: a mismatch between learning and teaching styles, insufficient study motivation, hindrances to learning and learning disabilities. These four areas were further focused on in a questionnaire survey, using rating scales to determine the importance of the individual areas. The study worked with three hypotheses. Firstly, continuing beginners were expected to report difficulties in at least two of the established areas. Secondly, it was presupposed that the rate of learning disabilities would be somewhat...

The diploma project called "Problems with Violence in School Educational Environment" is divided into the parts - Introduction, Theoretical Part, Empirical Part, Conclusion. The Theoretical Part is separated into the five chapters - Demarcation and Definition of Concepts, Division of Aggression, Shows of Children's Violent Manners, Shows of Adolescents' Manners, Resolution of Aggression. The Empirical Part of the thesis verifies set hypotheses and targets. It is investigated, what type of aggression teachers meet towards their own person in their occupation, whether they meet more with aggression of boys or girls. The attributes of aggressors are also researched - what school results they have according to their teachers, what sort of families they come from. There is monitored link between action games or action movies and possible connection with frequency of aggression. During the study, we are discovering how often teachers in schools solve the problems connected with pupils' aggression and in which taught subjects violence and lack of discipline occur according to teachers' experience. Some educators state experience with cyber bullying in their jobs. They inform how often they meet with it, how they specifically react when they run into cyber bullying in the connection with their own person, and how...

The thesis deals with the process of adaptation to nursery school environment. Theoretical findings are supplemented with research reflection of author's own experience with children entering a nursery school. In the theoretical part, the process of adaptation and its typical phases are described. Furthermore, determinants influencing successful adaptation are examined: teachers, parents, child's readiness, the nursery school itself. In this work, a case study is presented, based on the observation of 18 children entering the nursery school in the school year of 2016/17 and 2017/18, and interviews with parents. Based on the case study, the thesis identifies problems that may arise during adaptation. Finally, the thesis sums up practical recommendations: for parents and for nursery school teachers.

<p>No organisation has an endless and unlimited supply of money, especially in a recessive economy, and therefore decisions have to be made as to which areas an organisation will invest in. As organisations, such as YZ1 financial services organisation, are focused on seeing returns on investment (ROI), implementing software that is not being used&nbsp / will not render any benefits to the organisation. Research problem: Project Managers (PMs) in YZ organisation&rsquo / s IT department need to perform mandated processes, as&nbsp / defined in their centralised repository. PMs need to use Financial and Planning Software (FPS)2 software to perform certain project management activities, as required by their&nbsp / job function. However, it was found that MPP3 software, another tool, was used for more detailed project schedules, as well as activities that were not strictly enforced by&nbsp / management, the Project Office or the Quality Assurance team. Therefore, from this discovery, it was not clear whether the intended benefit of implementing this mandatory&nbsp / software (FPS) was being realised &ndash / since implementing software that is not being utilised fully would not deliver the intended benefits to the IT department (Devaraj &amp / Kohli&nbsp / 2003), even if the software is termed &lsquo / mandatory&rsquo / . Objective: The primary objective of this research was to explore and optimise the key success factors for an effective&nbsp / implementation of mandatory software in a department, in order to derive the intended business benefits. Literature Review: Literature was reviewed in the search for models or&nbsp / theories that explore the relationship between the use of mandatory software and the achievement of business benefits. The Information Management Body of Knowledge&nbsp / (IMBOK) was selected as this framework defines the relationship between IT and the realisation of business benefits, and ultimately the achievement of any business strategy. The literature review focused predominantly on the level of user involvement, change management, as well as factors that influence the usage of mandatory software by&nbsp / individuals. 1. The name of the organisation utilised has been changed. Refer to Ethical Consideration 2. The name of the tools utilised has been changed. Refer to Ethical&nbsp / Consideration and list of acronyms 3. The name of the tools utilised has been changed. Refer to Ethical Consideration and list of acronyms. Focus was given to organisational factors affecting usage, such as top management support and organisational processes. A model was compiled using unique constructs in the Technology Acceptance Model&nbsp / (and TAM2), the Motivational Model (MM) and the Model of PC Utilisation (MPCU) &ndash / in order to test user acceptance of mandatory software. The literature study concludes with a&nbsp / review of an approach to benefits management including five stages, namely: identifying and structuring benefits, planning for the realisation of benefits, executing the plan, in&nbsp / addition to the evaluation and the review. Research design and methodology: A case study was used in this research, as it examined the phenomenon in its natural setting,&nbsp / &nbsp / &nbsp / employing multiple methods of data collection to gather information from a few entities (groups and data sources). In this way, it was not limited to only qualitative or quantitative&nbsp / approaches, but utilised mixed methods instead. A mixed methods approach was used in order to elaborate, enhance and clarify the results from the qualitative research&nbsp / through the results of the quantitative analysis. Findings: The main finding, based on the compilation of three models of user acceptance, proved that FPS was not being utilised&nbsp / as intended. There was also no evidence of an improvement in business operations. Therefore, benefits management was negatively impacted. Organisational processes were&nbsp / dentified as the most important organisational factor, influencing the usage of FPS software. Own technological capability was considered to be the least important factor,&nbsp / as respondents believed that they had sufficient IT skills in order to learn how to use FPS software. Change management was rated negatively / and as a result, it impacted the&nbsp / usage of FPS, as users were not involved in the decision to implement, and had limited interaction in the implementation process. In addition, there was no evidence found that&nbsp / benefits management was conducted in the IT department / and therefore, the impact of using alternative software could not be quantitatively assessed. Recommendations: In concluding this research, it is recommended that the &ldquo / best practice&rdquo / , derived from the pertinent literate should be followed more diligently if YZ organisation is to benefit from the&nbsp / implementation of mandatory software. For example, in this research, it was found that top management&rsquo / s support of FPS (second most important organisational factor influencing use) was lacking, despite the literature suggestion that senior management involvement in changing technology is crucial for organisational commitment. It is&nbsp / suggested that a more formal approach to benefits management should be implemented. It is also recommended that further study should be conducted &ndash / in order to explore&nbsp / the applicability of the Japanese framing (achieving benefits from IT software through the concept of strategic instinct, rather than strategic alignment) in the context of a&nbsp / developing country (such as South Africa).</p>

<p>No organisation has an endless and unlimited supply of money, especially in a recessive economy, and therefore decisions have to be made as to which areas an organisation will invest in. As organisations, such as YZ1 financial services organisation, are focused on seeing returns on investment (ROI), implementing software that is not being used&nbsp / will not render any benefits to the organisation. Research problem: Project Managers (PMs) in YZ organisation&rsquo / s IT department need to perform mandated processes, as&nbsp / defined in their centralised repository. PMs need to use Financial and Planning Software (FPS)2 software to perform certain project management activities, as required by their&nbsp / job function. However, it was found that MPP3 software, another tool, was used for more detailed project schedules, as well as activities that were not strictly enforced by&nbsp / management, the Project Office or the Quality Assurance team. Therefore, from this discovery, it was not clear whether the intended benefit of implementing this mandatory&nbsp / software (FPS) was being realised &ndash / since implementing software that is not being utilised fully would not deliver the intended benefits to the IT department (Devaraj &amp / Kohli&nbsp / 2003), even if the software is termed &lsquo / mandatory&rsquo / . Objective: The primary objective of this research was to explore and optimise the key success factors for an effective&nbsp / implementation of mandatory software in a department, in order to derive the intended business benefits. Literature Review: Literature was reviewed in the search for models or&nbsp / theories that explore the relationship between the use of mandatory software and the achievement of business benefits. The Information Management Body of Knowledge&nbsp / (IMBOK) was selected as this framework defines the relationship between IT and the realisation of business benefits, and ultimately the achievement of any business strategy. The literature review focused predominantly on the level of user involvement, change management, as well as factors that influence the usage of mandatory software by&nbsp / individuals. 1. The name of the organisation utilised has been changed. Refer to Ethical Consideration 2. The name of the tools utilised has been changed. Refer to Ethical&nbsp / Consideration and list of acronyms 3. The name of the tools utilised has been changed. Refer to Ethical Consideration and list of acronyms. Focus was given to organisational factors affecting usage, such as top management support and organisational processes. A model was compiled using unique constructs in the Technology Acceptance Model&nbsp / (and TAM2), the Motivational Model (MM) and the Model of PC Utilisation (MPCU) &ndash / in order to test user acceptance of mandatory software. The literature study concludes with a&nbsp / review of an approach to benefits management including five stages, namely: identifying and structuring benefits, planning for the realisation of benefits, executing the plan, in&nbsp / addition to the evaluation and the review. Research design and methodology: A case study was used in this research, as it examined the phenomenon in its natural setting,&nbsp / &nbsp / &nbsp / employing multiple methods of data collection to gather information from a few entities (groups and data sources). In this way, it was not limited to only qualitative or quantitative&nbsp / approaches, but utilised mixed methods instead. A mixed methods approach was used in order to elaborate, enhance and clarify the results from the qualitative research&nbsp / through the results of the quantitative analysis. Findings: The main finding, based on the compilation of three models of user acceptance, proved that FPS was not being utilised&nbsp / as intended. There was also no evidence of an improvement in business operations. Therefore, benefits management was negatively impacted. Organisational processes were&nbsp / dentified as the most important organisational factor, influencing the usage of FPS software. Own technological capability was considered to be the least important factor,&nbsp / as respondents believed that they had sufficient IT skills in order to learn how to use FPS software. Change management was rated negatively / and as a result, it impacted the&nbsp / usage of FPS, as users were not involved in the decision to implement, and had limited interaction in the implementation process. In addition, there was no evidence found that&nbsp / benefits management was conducted in the IT department / and therefore, the impact of using alternative software could not be quantitatively assessed. Recommendations: In concluding this research, it is recommended that the &ldquo / best practice&rdquo / , derived from the pertinent literate should be followed more diligently if YZ organisation is to benefit from the&nbsp / implementation of mandatory software. For example, in this research, it was found that top management&rsquo / s support of FPS (second most important organisational factor influencing use) was lacking, despite the literature suggestion that senior management involvement in changing technology is crucial for organisational commitment. It is&nbsp / suggested that a more formal approach to benefits management should be implemented. It is also recommended that further study should be conducted &ndash / in order to explore&nbsp / the applicability of the Japanese framing (achieving benefits from IT software through the concept of strategic instinct, rather than strategic alignment) in the context of a&nbsp / developing country (such as South Africa).</p>

Decision making for fast-moving consumer goods involves a choice between numerous similar alternatives. Under such demanding circumstances, a decision is made for one product. The decision is dependent on the interaction between the environment and the mind of the consumer, both of which are filled with information that can influence the outcome. The aim of this dissertation is to explore how the mind and the environment guides attention towards considered and chosen products in consumer decision making at the point-of-purchase. Consumers are equipped with several effort reduction strategies to simplify complex decision making. The selection of strategies can be conscious or automatic and driven by information in the environment or the mind of the decision maker. The selected decision strategy reduces the set of options to one alternative in an iterative process of comparisons that are fast and rely on perceptual cues to quickly exclude irrelevant products. This thesis uses eye-tracking to explore this rapid processing that lacks conscious access or control. The purpose is to explore how product packaging and placement (as in-store factors), and recognition, preferences, and choice task (as out-of-store factors) influence the decision-making process through visual attention. The results of the 10 experiments in the five papers that comprise this thesis shed new light on the role of visual attention in the interaction between the environment and the mind, and its influence on the consumer. It is said that consumers choose with their eyes, which means that unseen is unsold. The results of this thesis show that it is just as important to be comprehended as it is to be seen. In split-second decision making, the ability to recognize and comprehend a product can significantly impact preferences. Comprehension stretches beyond perception as consumers infer value from memory structures that influence attention. Hence, the eye truly sees what the mind is prepared to comprehend.