This study was undertaken to investigate the major reasons behind the use of informal financial services by middle and high-income individuals in South Africa with specific reference to rotational savings and credit associations, locally known as stokvels. The ultimate aim was to recommend ways in which banks and other formal financial institutions could aptly address the financial needs of these individuals. The study was conducted in Pretoria, which is situated in the Gauteng province of South Africa. The data for this research was mainly gathered through two focus group discussion techniques, namely: the discussion guide and product attribute raking (PRA). Two mini questionnaires were also used to collect personal information from the participants. The research revealed three major categories of high-budget stokvels namely: the generic,targeted saving and investment stokvels. The main users of these stokvels are black males and females with a monthly income of R11 500 or more. They are typically individuals of 31 to 49 years of age. They are highly educated individuals holders of qualifications equivalent to a university degree or higher. Further analysis of the participants in this sample revealed a tendency for the stokvels to be formed along gender, workplace/colleague and kinship lines. The study shows that in addition to social fulfilment, the major financial need satisfied by these stokvels is saving to accumulate a lump sum for a birthday party, holiday or consumer goods and to take advantage of investment opportunities. The study identified the following specific reasons behind the participation in highbudget stokvels; to take advantage of collective/forced saving, avoid financial charges, low returns on small amounts of individual savings in banks and social fulfilment. The findings highlight the formal financial institutions¡¦ lack of awareness for the need to profile, design appropriate products and delivery systems for the black middle and highincome clients in South Africa. The study also shows that banks do not really understand this clientele. The study findings necessitate profile targeting, achievable through ongoing and comprehensive research in the product and service requirements of this clientele. The suggested research will enable formal financial institutions to improve service provision, as well as to identify and design products for this clientele. The study calls for the following changes in formal financial institutions: <ul> <li>Increased investment in self-service banking</li> <li>Bank staff should be trained to sensitise them to the financial, social needs and expectations of this clientele</li> <li>In addition, banks should strive to accelerate the employment of staff fluent in several indigenous languages and increase use of indigenous languages in formal financial institutions</li> <li>Banks and formal financial institutions in general, should endeavour to design products and product delivery systems that address the social needs of clients.</li> <li>Increased investment in social responsibility and visibility of formal financial institutions in black townships.</li> </ul> Finally, the study recommends that if formal financial providers are to participate in this lucrative market, it is imperative that they emulate the principles on which informal financial institutions such as high-budget stokvels operate. / Dissertation (M Inst Agrar (Agricultural Economics))--University of Pretoria, 2007. / Agricultural Economics, Extension and Rural Development / M Inst Agrar / unrestricted

The dissertation investigates an interface between industrial architecture, the public realm and formal and informal programmatic functions mediated through an urban abattoir. Further, the dissertation examines the occupation of a deserted industrial site and revival thereof through new light industrial programming. The proposal focusses on the rejuvenation of the abattoir as a ritualistic and cognisant process and the contemporary application of the industrial typology mediated through regenerative architectural principles and sustainable technologies. A new public interface is explored to reconnect industrial architecture and industry to the “urban surface”, avoiding the mistakes of the past and preserving the future of the site and its surrounding context. The final design ameliorates the deserted wasteland condition by connecting the new abattoir to the industrial heritage of the site. The resultant design is an urban abattoir which interacts and expresses itself at various scales whilst always representative of the processes housed. The design creates a dialogue between the public and the abattoir by adopting the methodology of reclaiming the entire animal carcass as done in South African ritual slaughter. The design incorporates numerous sustainable systems to reduce the waste found in abattoirs. The project reconnects the contemporary abattoir to the productive urban network and emphasises the importance of architecture in the regeneration of a building typology. Copyright 2011, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. Please cite as follows: Nieuwoudt, JH 2011, High street abattoir : a new interface for architecture of industry mediated through a public abattoir, MArch(Prof) dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-01052012-134038 / > C12/4/56/gm / Dissertation (MArch(Prof))--University of Pretoria, 2012. / Architecture / unrestricted

Certes l’étude du monde de la prostitution clandestine et la rencontre des prostituées clandestines sont, pour nous, une expérience fort enrichissante. Mais, côtoyer ces femmes et faire partager leurs expériences et leur vécu n’est pas du tout une tâche aisée. En étudiant cette communauté bien particulière, nous nous sommes heurtée à des difficultés : fréquentation de lieux infâmes, refus de collaboration de certaines prostituées, arnaque et dépense de grandes sommes d’argent. Notre objectif est de comprendre le phénomène de la prostitution clandestine dans la ville de Sfax, les profils des femmes qui y évoluent, y compris celles issues de la migration, et ce qui les incite à cette condition. Notre motivation principale est de découvrir un phénomène minoré dans les études sociologiques en Tunisie. Nous avons opté pour une perspective de la sociologie compréhensive. Des prostituées clandestines ont été rencontrées par l’intermédiaire de plusieurs acteurs ; proxénètes, courtiers immobiliers, prostituées clandestines, éducatrices paires. Des récits de vie, issus d’observations réalisées dans les salons de thé et dans les grands boulevards de la ville de Sfax, ont été réalisés auprès de 25 femmes tunisiennes et ont permis d'explorer en profondeur leurs expériences prostitutionnelles. À cela s’ajoute l’expérience que nous avons vécue à l’Association Tunisienne de Lutte contre les Maladies Sexuellement Transmissibles et le Sida basée à Sfax, en tant qu’assistante sociale dans le cadre du projet du Fonds mondial de lutte contre le Sida, la Tuberculose et le Paludisme. / Certainly the study of the world of illegal prostitution and meeting clandestine prostitutes are, for us, a very rewarding experience. However, contacting these women, and therefore sharing their experiences is by no means an easy task. While studying this particular community, we faced several difficulties: getting access to infamous places, resisting to collaborate on the part of certain prostitutes, swindle and spending big amounts of money. Our goal is to understand the phenomenon of clandestine prostitution in Sfax City, the profiles of women who live there, including those from migration, as well as the push factors to this condition. Our main motivation is to explore un understudied topic in the sociological literature in Tunisia. We opted for a perspective of comprehensive sociology. Meeting clandestine prostitutes have been arranged through several actors; pimps, real estate agents, clandestine prostitutes, peer educators. Life stories of 25 Tunisian women were drafted based on observations made in the tea rooms and on the boulevards of the city of Sfax, which allowed to explore in depth their prostitution experiences. In addition, our experience with the Tunisian Association to fight Sexually Transmitted Diseases and AIDS, based in Sfax, as a social worker in the framework of the Global Fund to fight AIDS, Tuberculosis and Malaria.

This is a dissertation about Kibera, a large informal settlement on the margins of Nairobi, Kenya. Based on seven years of ethnographic fieldwork and related participant observation, this thesis explores the interactions between young people, grassroots groups, and national and international NGOs in Kibera and how these influence youth journeys to adulthood. International development practitioners working in Kibera have focused their efforts on young people, especially given Kenyan census figures documenting that 78% of Kenya's population is below the age of 35. This demographic trend poses both challenges and opportunities, but Kenya's gerontocratic leadership has, for the most part, failed to find solutions to improve opportunities for young people. Population increases have resulted in increases in crime, income inequality, and un- and underemployment. These changes are exacerbated by protracted liminality, a long period of ambiguous status, experienced by young men and sanctioned by custom as a way to moderate inter-generational tensions. Non-governmental organizations (NGOs) fill in the gaps and compensate for the failure of public policy by providing basic social services to improve the systemic political, economic and social issues affecting Kibera’s youth. This study follows a group of young men who have discovered that they can alleviate their liminality by practicing resourcefulness in Nairobi’s vast informal economy, an action colloquially referred to as "hustling." Specifically, these youth hustle the "shadow aid economy" that has emerged as a byproduct of Kibera's saturated NGO environment. The outcome of this is not an upending of the traditions of age and seniority in Kenya—these young men will continue to experience liminality in certain contexts and situations. The ultimate result is that youth create networks of reciprocity and build internal hierarchies in the settlement as they hustle, which leads the most successful NGO hustlers to create alternate means of advancement and shift the criteria of respectability to accelerate their progress towards adulthood.

Cette thèse porte sur un espace oasien (une terre agricole encore en état de production) qui tend à s’urbaniser de manière informelle : l’oasis de Zrig, dans le Sud-est de Gabès, en Tunisie. L’habitat qui s’y développe prolifère sans permis de construire depuis 1980. Dans ce nouvel espace urbain se développe une double marginalisation sociale touchant aussi bien les paysans qui ont perdu leurs terres que les nouveaux venus aux ressources souvent précaires. L’environnement et le patrimoine agricole local en pâtissent également. Zrig est un détail (au sens pictural) du devenir de l’oasis de Gabès. Un travail de recherche sur l’espace de Zrig et ses transformations se rapproche de la chronique d’une dégradation annoncée. Il y a, en effet, dégradation à deux niveaux : la transformation d’un espace oasien en un espace urbain difforme et le développement de pratiques socio-économiques informelles liées aux stratégies des nouveaux arrivants et aux rapports qu'ils entretiennent avec les autorités locales.Ce travail s’appuie sur les résultats d’une enquête de longue haleine que j'ai effectuée de 2010 au 2016 auprès des habitants de Zrig, ceux d’hier et d’aujourd’hui, afin de recueillir leurs représentations des transformations spatiales et sociales qui ont affecté l’oasis. Il constitue également une étude des modes de construction de logements informels et une analyse des stratégies perpétuant cette pratique mise en œuvre par les nouveaux venus. / This dissertation relates to an oasis area (a still productive agricultural land) which is being informally urbanized: in the Zrig oasis, south-east of Gabes, the habitat has proliferated without building permit since 1980.In this new urban space, a double social marginalization affects farmers who lost their land as well as newcomers with often precarious resources. The environment and the local agricultural heritage are also impacted.Zrig is a detail (in apictorial sense) of the future of the Gabes oasis. A research work on the space of Zrig and its transformations resembles the chronicle of an announced degradation. Indeed, the degradation can be identified at two levels: the transformation of an oasis area into a deformed urban space, and the development of informal socio-economic practices related to the strategies of space occupants and to their relations with local authorities. In addition to the data provided by official and academic surveys, this work is based on the results of a long-term survey that I conducted from 2010 to 2016 Zrig, those of yesterday and those of today, in order to collect their representations of the spatial and social transformations that affected the oasis. But also to study the building practices of informal settlement sand the strategies of newcomers for this purpose.

The need for more inclusive and integrated cities has resulted in a paradigm shift in the South African transport and land use policy environment where transport and land use planning are viewed as a continuum as opposed to isolated planning aspects. Issues such as residential segregation, social exclusion, spatial inefficiencies, inequality, residential informality, marginalisation of the low-income cohort continue to form part of the current planning discourse. While policy acknowledges the need to redress these issues, the urban spatial patterns in South African cities continue to trace the historical planning trajectory. Recently, congestion has become an issue in some of South Africa’s cities with Johannesburg and Cape Town appearing in the list of the top hundred most congested cities in the world. It is thus essential to understand how South African cities can address urban accessibility and mobility issues along with redressing apartheid spatial planning to attain sustainable cities that allow for inclusivity of all population groups. Like most South African cities, Cape Town is a relic of apartheid planning where the urban spatial patterns reinforce social exclusion among other issues. Urban and transport planning in Cape Town focuses on addressing issues of spatial inefficiencies, social exclusion, congestion due to rapid motorisation and the proliferation of informal settlements. It is against this backdrop that the central concern of this research is to understand urban dynamics linked to the spatiotemporal interaction of transport and land use in Cape Town to aid in the formulation of proactive urban policies. There is compelling evidence in the literature that dynamic integrated land use transport models provide an avenue through which the urban change process can be understood to aid in the development of adaptive land use and transport strategies. METRONAMICA, a dynamic land use transport model, is applied in this research to simulate and understand land use and transport change in Cape Town. A sequential stage-wise procedure was implemented to calibrate the model for the period 1995- 2005 and an independent validation was carried out from 2005 to 2010 to evaluate the model. Kappa statistic and its associated variants were applied to assess the ability of the land use model block to reproduce land use patterns while the EMME model and previous transport studies for Cape Town were used to evaluate the transport model. The results from the calibration and validation exercise show that the model can reproduce historical land use and transport patterns. The integration of the transport and land use model through accessibility improved the Kappa Simulation and Fuzzy Kappa Simulation. This showed that the model explained urban change better when land use and transport interacted compared to an independent land use model. This shows that accessibility can be employed in the Cape Town context to enhance the understanding of the urban change process. In addition to the Kappa statistics, the fractal dimension which measures the landscape complexity was used to assess the predictive accuracy of the model. The model performance revealed that the landscape patterns simulated by the model resemble observed land use patterns signifying a good calibration of the model. The calibrated land use transport model for the Cape Town Metropolitan region (CTMRLUT) was applied for policy scenarios. Three scenarios were simulated, specifically the business as usual (BAU), redressing social exclusion and the potential for in situ upgrading of informal settlements. The study found that intensive land use development along the Metro South East Integration Zone (MSEIZ) was linked to a reduction in commuting distances to economic activities which is in contrast to the BAU scenario. While these scenarios looked at the urban spatial patterns, the effect of land use patterns on congestion was also explored. The findings from the scenario simulations suggest that despite the reduction in distance to economic centres, the congestion condition in Cape Town will continue to deteriorate. Further, the findings indicate that interventions that only target land use developments are not sufficient to address congestion issues in Cape Town. Instead, to address the congestion problem in Cape Town, mixed land use and compact growth strategies need to be complemented with travel demand management strategies that target private car usage and intensive investment in transport infrastructure, especially rail, to facilitate the use of alternative modes. With regards to informal settlements, the study found that in situ upgrading could be a viable option to tackle some informal settlements. However, for proper inclusionary informal settlement policy, an approach that resonates with contextual realities would be more suitable to assess the viability of in situ upgrading based on the location of informal settlements relative to centres of economic activities. Additionally, the study revealed that instead of informal settlements locating as stand-alone settlements, some of them located adjacent to low-income housing which might be indicative of a growth in backyard shacks which is an existing housing trend in some lowincome suburbs in Cape Town. While this research has shown that integrating land use and transport in policy is potentially useful in solving urban issues, it has also revealed the value of urban modelling as a platform on which to assess the potential impacts of policies before their implementation. This is a strong case for the utilisation of decision support tools in land use and transport planning in contemporary South African cities.

Bibliography: p. 273-293.

This thesis deals with informal (family) carers who provide for the care of an elderly person in their home environment. It focuses on selected moments of crises (motivation, accepting support, financing, impacts) based on the analysis of documents and the author's two-year working experience in this field. The objective of this thesis is to find out how the carers cope with such crises and what strategies they choose in their provision of care. The theoretical part of the thesis defines basic terms related to old age and their values, informal carers and related areas of care, including pre-defined crises. The research part is divided into methodology, in which part the author describes her methods of obtaining data through semi-structured interviews; and into the empiric part, which is based on the statements of the carers interviewed. Keywords: informal carers, family carers, senior, crisis

京都大学 / 0048 / 新制・課程博士 / 博士(社会健康医学) / 甲第22382号 / 社医博第104号 / 新制||社||医11(附属図書館) / 京都大学大学院医学研究科社会健康医学系専攻 / (主査)教授 川上 浩司, 教授 髙橋 良輔, 教授 中山 健夫 / 学位規則第4条第1項該当 / Doctor of Public Health / Kyoto University / DFAM

While the phenomenon of informality in labor markets is pervasive in many parts of the world, its interaction with the aggregate behavior of economies is not well understood. In this dissertation, I explore the connection between informality and the macroeconomy in two main ways. The first way is to augment a search-and-matching model of labor markets in the tradition of Mortensen and Pissarides (1994) with aggregate shocks and an informal sector. The second is to consider an Aiyagari (1994) setting in which the existence of an informal sector feeds back into the labor income risk and savings decisions of heterogeneous agents. The parameters of both models are chosen so as to match features of micro-data I obtain from Brazil. This dissertation is thus divided into three chapters: the first one presents the data and findings from the empirical exploration. The second chapter describes the model of informality over the business cycle and presents its results. The third chapter introduces the heterogeneous agents model with informality and the conclusions derived therefrom. The first chapter divides the empirical analysis into two components. Firstly, I analyze how informality is distributed over education, income and occupational groups, and how formal-informal income differentials behave over these categories. I find that informality decreases in average income, and that the formal-informal income differential is higher among low income workers. The second component pertains to the evolution of informality over time. I show that, in the time period covered by the data, the rate of informality has a strongly cyclical pattern, which is mostly explained by cyclical variation in formal job creation. In the second chapter, in co-authorship with Livio Maya, we show in a parsimonious model of business cycles and informal labor markets that the differential risk of formal and informal contracts plays a potentially important role in generating the patterns of job creation found in the data. The main finding is that generating substantial countercyclicality in the informality rate in our calibration requires the price of risk to be highly countercyclical. In the third chapter, also in co-authorship with Livio Maya, we show the transition path of a policy designed to fight informality in a heterogeneous agents setting. The main finding is that while eliminating the informal sector makes the economy more productive and reduces unemployment in the long run, the short term impact is influenced by general equilibrium effects. In particular, unemployment increases in the short run due to the impact of the policy on interest rates. Moreover, the effects of such policy are sensitive to the assumptions on the destination of the extra tax revenues derived from increased formalization in the transition path.