Magister Administrationis - MAdmin / The Western Cape Liquor Act of 2008 was implemented to decrease the amount of shebeens operating in South Africa’s residential areas. This action was taken in order to reduce liquor harm which has been widely reported on by health professionals. However shebeens serve as a livelihood source for poor South Africans. Thus a possible tension could exist since shebeen owners and communities might become disgruntled with politicians, political parties and government for implementing a law which threatens livelihoods. This thesis paper examines the political perceptions of the people of Atlantis towards political parties in light of the implementation of the Western Cape Liquor Act of 2008. Qualitative semi-structured interviews were conducted with key role players residing in Atlantis, and focus groups were also held with shebeen owners. This was done in order to determine the community’s attitude towards shebeens, liquor, politicians, political parties, government and the Liquor Act. Respondents reported that the community remains underdeveloped and that their views are ignored by politicians and other public officials. Shebeens are viewed as a necessary evil since there is a stigma attached to selling liquor and many respondents believe that liquor abuse is the cause of many socio economic problems facing Atlantis. However there are no other viable job opportunities in the area forcing shebeen proprietors and the community to accept shebeens. Interestingly this thesis also shows that both the key role players and shebeen owners have a similar attitude towards shebeens and politicians; as both groups have adopted an ambivalent attitude towards shebeens and politicians. Bayat (2000) Chatterjee’s (2004) writings will be used to show that informality has become the only viable option in Atlantis. This is because the state has not been able to provide alternative employment in the area. The residents therefore now break the law in order to survive. Moreover politics and politicians are disliked but residents still partake in politics .There is therefore an ambivalence towards both politics and shebeens in the area. In conclusion the people of Atlantis feel marginalized and oppressed by those who wield political power. The Western Cape Liquor Act however, has not had a dramatic impact as will be shown when comparing Bayat’s (2000) quiet encroachment of the ordinary theory to the case.

Why do governments tolerate the violation of their own laws and regulations, and when do they enforce them? Conventional wisdom is that state weakness erodes enforcement, particularly in the developing world. In contrast, I highlight the understudied political costs of enforcement. Governments choose not to enforce state laws and regulations that the poor tend to violate, a behavior that I call forbearance, when it is in their electoral interest. / Government

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

Bibliography: p. 273-293.

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.

After several decades of rapid urbanisation, population growth and industrialisation, most developing countries have now become home to the rapidly increasing informal sector’s polluting activities. With marked failures in their use of traditional Command and Control (CAC) legislation, limited technical and fiscal environmental protection resources coupled with weak environmental protection, complimentary judicial and legislative institutions, it has become necessary for these countries to look somewhere else for environment regulation policy. This study evaluates potential contributions of public-led voluntary agreements programs in the control of informal sector pollution in Lusaka’s Soweto and City markets in Zambia. The study employs Binary Logistic Models to establish factors critical to the successful implementation of environmental management voluntary agreements in the two markets. It also uses the Contingent Valuation Method (CVM) to assess and estimate traders’ Willingness to pay (WTP) for proposed improvements to cleanliness in the markets. The main empirical data for the study was collected by means of a questionnaire survey of 93 traders in the two markets and supplemented by semi-structured interviews. The study finds that indeed voluntary agreements have a potential to control informal sector pollution in developing countries like Zambia. The study also finds that while the informal sector significantly contributes to urban pollution, they are hamstrung by lack of capacity to control their own pollution. The absence of adequate regulatory enforcement and appropriate incentives in terms of waste bins and cleaners in these markets seriously militate against the sector’s limited efforts in implementing positive environmental management in these markets. The traders’ mean willingness to pay (WTP) for the proposed improvement to cleanliness in the two market is K483,384 per trader per year while the total WTP of all the traders in the two markets is K1,208,460,000 or K1.2 billion per year. As a proportion of the traders’ average annual income, the mean WTP amounts to 0.8%. The study concludes that deliberate interventions with the aim of enhancing their capacity are necessary. In this regard specific recommendations have been made for policy intervention in specific key areas, namely; the provision of appropriate incentives in form of increasing the number of waste bins and cleaners in the markets together with supporting organisational structure and efficient services in terms of frequent removal of waste from the markets by the local authority; the expansion and strengthening of the physical presence of regulatory and enforcement agents in these markets and finally; the building of a shared understanding among the traders of the need for maintaining a clean and environmentally conducive market area through continued sensitisation programs in these markets Copyright / Dissertation (MSc(Agric))--University of Pretoria, 2012. / Agricultural Economics, Extension and Rural Development / unrestricted

Le numérique continue d'impacter l'allocation optimale des ressources. Cette thèse analyse ses apports, notamment celui du m-paiement dans les économies en développement. Elle s'est particulièrement intéressée aux propriétés de ce dispositif en matière d'inclusion financière et de régulation du secteur informel dans un contexte de développement économique. Cette thèse a recouru à diverses méthodes : descriptive, théorique et statistique. Le premier chapitre a analysé les nouvelles considérations dans la régulation du secteur informel. Le deuxième chapitre a examiné la contribution de l'argent mobile à l'atténuation des lacunes de la microfinance traditionnelle. Le troisième chapitre a construit un modèle qui analyse différentes options pour contrôler la taille du secteur informel. Le quatrième chapitre a étudié la question de l'interopérabilité internationale des dis-positifs de m-payment dans une région économique. Nos résultats indiquent que la régulation du secteur informel devrait passer par la création d'incitations com-patibles et indirectes ; l'argent mobile attenue certaines lacunes de la microfinance traditionnelle ; le m-payment associé aux nouvelles formes de microcrédit aug-mente à la fois la taille du secteur formel et le bien-être ; le secteur du m-payment dans la région est assez mature pour être totalement interconnecté. Compte tenu de l'importance de la financiarisation et de l'intégration du secteur informel au développement économique, nos analyses ont des implications pour les organisa-tions internationales, publiques et privées. / Digital technologies continue to to impact the optimal allocation of resources. This thesis analyzes its contributions, especially those contiguous to m-payment, in de-veloping economies. It is particularly interested in the properties of this device in terms of financial inclusion and regulation of the informal sector in the context of economic development. This thesis uses various methods: descriptive, theoretical and statistical. The first chapter analyzed new considerations in the regulation of the informal sector. The second chapter examined the contribution of mobile money to mitigating the shortcomings of traditional microfinance. The third chap-ter has built a model that analyzes different options for controlling the size of the informal sector. The fourth chapter studied in general the strategic development of an innovation and in particular the positive inputs to the implementation of the international interoperability of m-payment devices in an economic region. Our results indicate that regulation of the informal sector should shift the cre-ation of compatible and indirect incentives; mobile money mitigates some of the shortcomings of traditional microfinance; m-payment associated with new forms of microcredit increases both the size of the formal sector and welfare; m-payment sector in the region considered is mature enough to be fully interconnected. Given the importance of financialization and the integration of the informal sector into economic development, our analyzes have implications for international, public and private organizations.

The handling of wastes is an eternal problem, all societies are confronted to this issue. Their origins are very diverse, they could come from industrial activities, power production, shops, retail or household for instance. While in developed countries the collection is generally efficient and the disposal safe, the situation in developing countries is different. The municipal budget does not allow the construction of advanced and expensive methods of disposal and the collection suffer from the age of vehicles. This generalisation is nevertheless not totally truth as the situation is extremely depend on the country but also of the city considered. Each city will need to adapt its waste management according to its size, climate, wealth, culture, etc... This report will focus on a Namibian medium town, Tsumeb. The aim is to be able to draw a clear picture of the waste management currently achieved. When the situation is well known, new directions to make Tsumeb refuse management more sustainable can be decided. Implementing progressively an integrated waste management (IWM) is a solution to the waste problem as it is considering economic, social and environmental impacts. A waste characterization was done in order to know the exact amount and composition of the waste generated in Tsumeb to implement afterwards the most suitable solution. The refuse of Tsumeb are surprisingly very similar to high income country. Moreover the stakeholders involved in recycling were investigated. A small informal sector is already making a living by recycling a few materials as glass bottle and cans. There is also a possibility to include extra stakeholder in the recycling process in Tsumeb. Recycling companies, recycling organization or investors are also important stakeholder who can be include in Tsumeb recycling plan. Developing recycling in Tsumeb is facing some challenges but it is also full of opportunities. The main issue when it comes to recycling in Namibia is the long transportation distances what makes it expensive. Furthermore, most of the recovered materials have to be sent in South Africa because Namibia does not possess the necessary industries to recycle paper and glass for instance. On another hand the presence in Tsumeb of a small informal sector already working with waste is promising. The workers could be more organized and the municipality can also helping them with logistic and storage to improve the recycling done. The dump site will also be close within the next years and a new sanitary landfill will be open. It will be a great opportunity to implement a recycling facility on site. Informal workers working on the landfill will be more controlled, to avoid for instance children labour. Some stricter health and safety measure can be decided, to give better working condition to the informal manpower. The development of recycling activities in Tsumeb will be highly beneficial to the community. It will create jobs for the poorest part of the population, decrease the cost of the waste management, reduce the pollution and stimulate the local economy.

Thesis submitted in fulfilment of the requirements for the award of the Degree of Doctor of Philosophy in the Department of Library and Information Science at the University of Zululand, South Africa, 2012. / The purpose of this study was to investigate the diffusion of information and communication technologies (ICTs) in the informal sector in Kenya. The study specifically focused on micro and small enterprises (MSEs) in two provinces in Kenya, namely Nairobi Province and Central Province. Information for the study was gathered through a literature review, a field survey, and personal observation. Questionnaires were used to solicit information from micro and small enterprise participants drawn from the two provinces. A combination of purposive and probability random sampling was used to generate the sample frames of MSE clusters and respondents respectively. The sample of respondents was drawn from the central business district in the city of Nairobi, two markets (Gikomba market and Kenyatta market) and a horticultural products’ depot next to Jomo Kenyatta International Airport in Nairobi Province. Two urban centers and two market centers were selected from Central Province, namely Kiambu and Thika towns and Kabati and Makutano market centers in Muranga District. Questionnaires were administered to a sample of 390 MSE participants comprising of owner/managers and selected employees. The overall results revealed that the majority of MSEs are small and are started with little preparation and scarce capital. Only 5.6% of the enterprises had more than five employees, while less than one percent had over ten employees. The majority of the MSEs (over 90%) therefore fell in the micro-enterprises category. The use of ICTs by the micro enterprises’ participants, with the exception of the mobile phone and mobile money services, was found to be quite low. The use of the mobile phone and mobile phone services was over 90%. . Access to formal business information sources was also poor, and the majority of the MSE participants relied mainly on their knowledge and experiences, customer reactions, telephone contacts, and friends and relatives. Information was rarely sourced from government agencies and other formal sources like the internet and mass media. MSEs face many challenges in the use of ICTs because of the nature and small scale of their businesses, which do not allow them to focus on much else beyond survival. The MSEs lacked institutional capacity and support in the form of affordable telecommunications facilities and ICTs as formal sources of information. The mobile phone has been embraced by MSE workers, as an affordable and quick way to communicate and perform business transactions. The mobile phone technology has been quickly adopted and is heavily relied on in MSE operations. The study recommends accelerated government involvement in order to address the various challenges of providing the necessary infrastructure, developing and implementing effective policies, improving the distribution of economic resources, improving business premises and infrastructure that can reach the MSEs, improving skills and training to enable the use of ICTs, raising awareness, facilitating access to credit and finance, as well as improving information structures for formal information sources and dissemination. The study recommends more research to gain a deeper understanding of the context and information needs of small business enterprises in order to be able to offer a strategic framework for appropriate intervention in providing information for MSEs. Further research is also recommended in the area of mobile telephony, given its rapid adoption and use in a short span of ten years, to bring out its full potential and benefits. / University of Zululand

Depuis le modèle de référence développé par Allingham et Sandmo (1972), les problèmes liés à la fraude fiscale et particulièrement au lien entre les raisons de conformité fiscale et le montant du revenu déclaré ont été souvent étudiées. La décision du contribuable dépend essentiellement du montant de son revenu réel, du taux d'imposition fiscale, de la probabilité de contrôle, du montant des amendes infligées en cas de détection. Mais d'autres paramètres plus psychologiques qu'économiques sont aussi tenus en compte à savoir le climat social auquel le contribuable évolue, l'utilisation de leurs cotisations par le gouvernement, les normes sociales, ou tout simplement la conscience du devoir fiscal pour le financement des biens publics et du civisme fiscal. Ces faits ne sont essentiellement pas tenus en compte dans un pays en développement comme Madagascar. La fraude fiscale est liée à l'incapacité de l'administration fiscale à assurer pleinement le système de contrôle par manque de moyens et des phénomènes comme la corruption, la présence accrue du secteur informel, l'influence des décideurs politiques. Les études empiriques ont montré que la Taxe sur la Valeur Ajoutée (TVA) reste l'impôt le plus fraudé par les contribuables et que les pertes annuelles pour cause de fraude fiscale sont exorbitantes, avec un montant total avoisinant les 203 millions d'€ de 2007 à 2009 dans les centres enquêtés. / Since the reference model was developed by Allingham and Sandmo (1972), the problems linked ta tax evasion and particularly ta the relationship between the reasons for tax compliance, and the amount of declared income have often been studied. The taxpayer's decision depends primarily on the amount of his real income, on the tax rate, on the probability of control and on the amount of the fines in the case of identified fraud. However, other parameters more psychological than economical arc also taken into account ta identify the social climate in which the taxpayer evolves, the use of their tax contributions by the government, the social norms, or simply the awareness of the duty taxes in order ta support public projects and fiscal public­spiritedness. These facts have not yet been taken into consideration in developing countries like Madagascar. Tax evasion is linked to the incapacity of tax authorities to ensure full control of the system due to a lack of means as well as phenomena such as com1ption, the increasing presence of the informal sector and the influence of the political decision makers. Empirical studies have shown that Value-Added Tax remains the most defraudcd tax by taxpayers and that the annual lasses due to tax evasion are exorbitant, totaling around € 203 million from 2007 to 2009 in the centers participating in the survey.