In 1994, the South African government set in place an ambitious plan to reduce the housing backlog and eradicate slums by 2012. The delivery of housing is subject to the South African National Environmental Management Act of 1998 that seeks to ensure sustainable resources use towards sustainable development of all activities. However, the question is whether or not reality matches the policy’s vision. One concern which arises is that the high demand for housing and the speed with which delivery of low-cost housing is occurring may compromise the environment. This study examines the challenges of implementing environmental policy requirements in low-cost-housing, using the case study of Ambleton in the Msunduzi Municipality, KwaZulu-Natal, South Africa. In attempting to assess the challenges of implementing environmental management policy requirements of the housing policy of 1994 and NEMA of 1998, four key challenges were identified: understanding environmental policy requirements, institutionalising capacity and cooperation, resolving conflict of values among stakeholders, and recognising budget constraints. The key participants in the study were officials from the provincial departments of Housing and the Department of Agriculture and Environmental Affairs, Msunduzi Municipal officials who implement the policy, including the Ward Councillor of Ambleton and the Service Provider. The methodology used to gather data was observation, in-depth interviews, and document review. It was revealed in the study that the understanding of policy requirements amongst key stakeholders is limited and that the institutional capacity is limited in terms of skills, coordination, and physical capacity. Different priorities of stakeholders play a major role in budget and priority setting by government, which affect the implementation of environmental policy requirements. It was pointed out by municipal staff that there is a shortage of funds for meeting all environmental policy requirements. Also explored were possibilities for improving environmental policy implementation. These include making environmental policy requirements in housing and NEMA more explicit to enhance stakeholders’ understanding, and enforcing compliance by environmental monitoring and audits. There is also a need for increased capacity building as well as improving coordination for better implementation of environmental policy requirements in low-cost housing. / Thesis (M.Env.Dev.)-University of KwaZulu-Natal, Pietermaritzburg, 2007.

Thesis (MPhil)--Stellenbosch University, 2012. / ENGLISH ABSTRACT: In our rapidly urbanising world, the need for sustainable settlement planning, particularly for the poor in developing countries, is essential. In South Africa, apartheid spatial constructs segregated black population groups, denying them equal access to economic opportunities; housing; as well as basic and social services. After the first democratic elections in 1994, policy makers attempted to redress these inequalities. Though early housing policy aimed to provide secure tenure: permanent residential structures, and access to basic services for the poor, these policies failed to meet the objectives of the policy makers. In articulating that the state could not meet the needs of the homeless, and that housing for the poor should be delivered within a normalized market in order to attract private investment, these policies (which promoted private sector, contractor-driven development) only served to heighten inequalities previously entrenched by the apartheid regime. In 2004, after measuring delivery failures, policy makers empowered the state to become an enabler of subsidised and low-income housing delivery, rather than leaving housing provision solely to the market. The new policy included the use of multiple finance and delivery mechanisms, multiple housing typologies, and clearly expressed the need for capacity development. It also espoused the need for citizens to become participants in sustainable settlement delivery. Despite this, policy implementation continues to be fragmented and mostly ineffectual. Interviews, survey results and site visits reveal that there are some examples of integrated sustainable human settlements in the South African (SA) context. A few recent examples showcase better quality houses, a broader variety of housing options and typologies, better locations, functioning developmental relationships and the use of multiple financing mechanisms. Conversely, case studies and comparative analysis of developments reveal that most projects designated as Breaking New Ground (BNG) responsive by government officials (as defined in the study) fail to meet BNG policy objectives. This study argues that low-income housing provision continues to focus on the delivery of free-standing subsidy houses without providing a range of typologies and tenure options. It argues that basic and socialservice provision is intermittent and, at times, non-existent. It argues that current funding models for the development of sustainable human settlements in low-income communities are unable to meet basic needs within communities. It shows that skills scarcities within government prevent the acceleration of housing delivery and that participation strategies have failed to meet the policy objective of enabling citizens to become participants in sustainable settlement development. In conclusion, it recommends that the current focus on and allocations of subsidies toward ownership models for shelter and housing delivery be re-examined. It suggests that support should be provided for lending institutions to extend finance to creditworthy, low- and middle-income families. Additionally, accredited capacitybuilding programmes should be developed and funded for local authorities, enabling local government to be the sole driver of local development. It argues that capacity should be built in community organisations to speed up delivery processes, and recommends that provincial government’s power and authority be incrementally devolved to local government as capacity is increased within local authorities. / AFRIKAANSE OPSOMMING: Weens die snelle verstedeliking in Suid-Afrika het die behoefte aan beplanning van volhoubare nedersettings noodsaaklik geword, veral vir armes in ontwikkelende lande. Tydens apartheid is gesegregeerde swart gemeenskappe gelyke toegang tot ekonomiese geleenthede, behuising, sowel as basiese en maatskaplike dienste ontneem. Na 1994 het beleidmakers gepoog om hierdie ongelykhede reg te stel. Hoewel vroeë behuisingsbeleid daarop gemik was om permanente residensiële strukture wat toegang tot basiese dienste sou verseker, het hierdie beleid egter gefaal. Toe die staat nie sy doelwitte kon bereik nie, is daar besluit om private beleggings te lok. Hierdie privaatsektor gedrewe beleid, wat ontwikkeling binne 'n genormaliseerde mark sou bevorder, het egter slegs gedien om ongelykhede te verskerp. Dit is dan ook dieselfde ongelykhede wat voorheen in die apartheidsbeleid verskans is. In 2004, na besef is dat verskaffing misluk het, het beleidmakers die staat bemagtig om te verseker dat gesubsidieerde behuising vir lae-inkomste groepe verskaf word, eerder as om behuising slegs aan die private sektor oor te laat. Die nuwe beleid het ingesluit die gebruik van verskeie finansiële en leweringsmeganismes, meervoudige behuising-tipologieë, en het duidelik die behoefte aan kapasiteitsontwikkeling vergestalt. Dit het ook die behoefte onderstreep wat daar bestaan vir landsburgers om deel te neem aan die proses van lewering van volhoubare nedersettings. Ten spyte hiervan is min sukses behaal. Hierdie studie voer aan dat daar 'n paar voorbeelde van geïntegreerde volhoubare menslike nedersettings in die Suid-Afrikaanse konteks bestaan. Onlangse voorbeelde dui op huise van ‘n beter gehalte, 'n groter verskeidenheid van behuisingsopsies en tipologieë, geskikter ruimtes, die funksionering van die ontwikkelingsverhoudings en die gebruik van verskeie finansieringsmeganismes. Aan die ander kant, alhoewel regeringsamptenare die meeste projekte aanvaar as synde dat hulle voldoen aan die vereistes van Breaking New Ground (BNG), voldoen hulle nie aan die vereistes van die BNG se beleid nie. Hierdie studie voer aan dat die voorsiening van lae-inkomste-behuising bly fokus op die lewering van subsidies vir vrystaande huise sonder dat 'n reeks tipologieë en ook opsies ten opsigte van verblyfreg verskaf word. Basiese en maatskaplike diensvoorsiening is gebrekkig en soms totaal afwesig. Hierbenewens is die huidige finansiële modelle vir die ontwikkeling van volhoubare menslike nedersettings in lae-inkomste gemeenskappe nie in staat om in die basiese behoeftes van die gemeenskappe te voorsien nie. Dis duidelik dat ‘n tekort aan vaardighede binne die regering verhoed dat die lewering van behuising versnel en dat die strategieë vir deelname deur burgers aan die proses ook gefaal het. Ten slotte beveel hierdie studie aan dat die huidige stelsel vir die toekennings van subsidies vir die lewering van skuiling en behuising weer nagegaan word. Ondersteuning moet gegee word aan instellings wat finansiering voorsien en dit behoort uitgebrei te word na lae- en middel-inkomste families wat kredietwaardig is. Kapasiteitsbou-programme behoort geskep te word vir plaaslike owerhede wat dan alleen sal omsien na plaaslike ontwikkeling. Gemeenskapsorganisasies behoort ook bemagtig te word om leweringsprosesse te bespoedig. Die provinsiale regering se magte en gesag moet inkrementeel oorhandig word aan plaaslike regering soos kapasiteit binne plaaslike owerhede self uitbrei.

Thesis (MPA (Public Management and Planning))--University of Stellenbosch, 2010. / ENGLISH ABSTRACT: Co-operatives as a form of business have a long history in South Africa. The successes of agricultural co-operatives are well known. Housing co-operatives, however, are a relatively unfamiliar concept as a form of business to provide tenure, and for those who are involved in it, a frustrating and long process to obtain housing. This study examined the issue of housing co-operatives as part of addressing the housing crisis in South Africa taking into consideration that this specific model (housing development co-operatives) does not fall under the Social Housing sector anymore. It involves a comprehensive literature study of the history of co-operatives internationally and in South Africa as well as analysing different models implemented internationally and in South Africa; a review of legislation; policies affecting housing co-operatives; analysis of data and information and surveys of housing co-operatives. The specific aims of the research were: • To determine the different models of successful housing development cooperatives internationally; • To determine the viability and sustainability of housing development co-operatives in Third World Countries; • To determine the current status of the registered housing co-operatives in South Africa; • To determine the different models implemented in South Africa; • To evaluate the housing development co-operative sector in South Africa; • To determine the viability and sustainability of a registered housing development co-operative in Cape Town, (Ilinge Labahlali Housing Co-operative, Nyanga, Cape Town, South Africa); and • To determine the challenges faced by the co-operative and how they foresee these challenges being overcome. The study followed a survey design, including both qualitative and quantitative aspects. The qualitative approach related to the views and opinions of co-operative members with regards to the socio-economic impact that the co-operative have had and the quantitative approach relates to statistical and measurable data obtained from the Department of Trade and Industry in terms of a number of variables such as: type of co-operatives, categories indicated and Province representation. For the purpose of this study, only housing co-operatives were contacted and research was conducted on the state of housing co-operatives and if each housing co-operative meet the selection criteria of the Housing Development Co-operative Model. In critically assessing housing co-operatives in South Africa, it was determined that the unacceptable level of support from all three tiers of Government, was the prime problem experienced by housing co-operatives. Several reasons can explain this, the most prominent as follow: 1. The Department of Trade and Industry’s lack of proper record keeping and administration; 2. Housing development co-operatives do not benefit from the Social Housing sector in South Africa; 3. Department of Housing’s lack of knowledge with regards to the housing cooperative sector; 4. No synergy between different Government departments with regards to housing cooperatives; 5. Municipalities do not have the know-how regarding co-operatives and/or display an unwillingness to assist housing co-operatives; 6. Housing co-operatives established by outside agencies/Government departments receive no follow-up and support; 7. No proper Government housing co-operative department focusing on housing delivery with the necessary knowledge and support mechanisms in place. It is clear that in the late nineties, the co-operative principle was promoted by the Department of Housing, Social Housing Foundation and community workers alike as the new brain child of international agencies (Rooftops Canada, Norwegian Government, Swedish Government) to secure housing for communities building on the concept of “ubuntu”. Afterwards the emphasis were shifted to Social Housing Institutions and rental tenure and the few housing co-operatives registered, were left in the cold with no support structures available to them. With no support from international agencies, national-, provincial- and local Government the future of these housing co-operatives are bleak. Co-operative members are community driven, but without the necessary capacity-building and institutional support, community members become despondent and the co-operative principles of “working together to achieve more” are seen as just another scheme which failed in the delivery of housing. This study found that the grass root housing co-operative with the support of all levels of Government can be successful providing that community structures such as saving groups and hostel committees are in place. / AFRIKAANSE OPSOMMING: Koöperasies as bedryfsvorm het ’n lang geskiedenis in Suid-Afrika. Die welslae van landboukoöperasies is wel bekend. Behuisingskoöperasies is egter ’n relatief onbekende konsep as bedryfsvorm om eiendomsreg te verskaf en vir diegene wat daarby betrokke is, is dit ’n frustrerende en uitgerekte proses waarvolgens behuising bekom kan word. Dié studie het die behuisingskoöperasie-aangeleentheid as deel van die aanspreek van die behuisingskrisis in Suid-Afrika onder die loep geplaas met inagneming daarvan dat hierdie spesifieke model (ontwikkelingsbehuising-koöperasies) nie meer onder die Maatskaplike Behuisingsektor ressorteer nie. Dit het ’n omvattende literatuurstudie van die geskiedenis van koöperasies internasionaal en in Suid-Afrika behels, asook ’n analise van verskillende modelle wat internasionaal en in Suid-Afrika toegepas word; ’n oorsig van relevante wetgewing; beleidsrigtings wat behuisingskoöperasies raak; analise van data en inligting, en opnames van behuisingskoöperasies. Die spesifieke doelwitte van die navorsing was: • Om die verskillende modelle van geslaagde ontwikkelingsbehuising-koöperasies internasionaal te bepaal; • Om die lewensvatbaarheid en volhoubaarheid van ontwikkelingsbehuisingkoöperasies in lande van die Derde Wêreld te bepaal; • Om die huidige status van die geregistreerde behuisingskoöperasies in Suid-Afrika te bepaal; • Om die verskillende modelle wat in Suid-Afrika toegepas word, te bepaal; • Om die behuisingsontwikkeling-koöperasiesektor in Suid-Afrika te evalueer; • Om die lewensvatbaarheid en volhoubaarheid van ’n geregistreerde behuisingsontwikkeling-koöperasie in Kaapstad (llinge Labahlali Behuisingskoöperasie, Nyanga, Kaapstad, Suid-Afrika) te bepaal, en • Om die uitdaging wat deur die koöperasies in die gesig gestaar word, te bepaal en hoe daar gemeen word dié uitdaging te bowe gekom gaan word. Dié studie is aan die hand van ’n vooropgestelde opnamepatroon uitgevoer wat kwalitatiewe en kwantitatiewe aspekte ingesluit het. Die kwalitatiewe benadering was gerig op die sieninge en menings van koöperasielede met betrekking tot die sosioekonomiese impak van die koöperasie, en die kwantitatiewe benadering het te make gehad met die statistiese en meetbare data rakende ’n aantal veranderlikes, soos soorte koöperasies, aangeduide kategorieë en provinsiale verteenwoordiging, wat van die Departement van Handel en Nywerheid bekom is. Vir die doel van hierdie studie is daar net met behuisingskoöperasies geskakel en navorsing is gedoen op die stand van behuisingskoöperasies en of iedere so ’n koöperasie aan die keuringskriteria van die model van die ontwikkelingsbehuising-koöperasie voldoen. Na kritiese beskouing van behuisingskoöperasies in Suid-Afrika, is daar vasgestel dat die onaanvaarbare mate van ondersteuning wat van die drie vlakke van regering ontvang word, die vernaamste probleem is waarmee behuisingskoöperasies te kampe het. Onder die talle redes wat as verduideliking kan dien, is die volgende die mees prominente: 1. Die Departement van Handel en Nywerheid se gebrek aan deeglike rekordhouding en administrasie; 2. Ontwikkelingsbehuising-koöperasies vind nie baat by die Maatskaplike Behuisingsektor in Suid-Afrika nie; 3. Die Departement van Behuising se gebrek aan kennis met betrekking tot die behuisingskoöperasiesektor; 4. Gebrek aan sinergie tussen verskillende regeringsdepartemente met betrekking tot behuisingskoöprasies; 5. Munisipaliteite beskik nie oor die kundigheid ten opsigte van koöperasies nie en/of toon onwilligheid om behuisingskoöperasies by te staan; 6. Behuisingskoöperasies, wat deur buite-ondernemings/regeringsdepartemente gestig word, ontvang geen onderskraging nie en daar is ook ’n gebrek aan enige voortgesette belangstelling in hulle doen en late. 7. Daar is geen geskikte behuisingskoöperasie aan regeringskant wat fokus op die voorsiening van behuising en wat oor die nodige kennis en ondersteuningsmeganismes beskik nie. Dit is duidelik dat die beginsel van koöperasies in die laat jare negentig deur die Departement van Behuising, die Maatskaplike Behuisingstigting, gemeenskapswerkers, en dies meer, as die nuwe breinkind van internasionale agentskappe soos Rooftops Canada, die Noorweegse regering, die Sweedse regering bevorder is om behuising vir gemeenskappe te verseker wat op die konsep “ubuntu” gebou het. Daarna is die klem na Maatskaplikebehuisingsondernemings en huurbesit verskuif en die enkele geregistreerde behuisingskoöperasies is sonder enige ondersteuningstruktuur aan hulle eie lot oorgelaat. Met geen ondersteuning van die kant van internasionale organisasies, nasionale, provinsiale of plaaslike regering nie, is die toekoms van dié behuisingskoöperasies maar bra droewig. Koöperasielede is gemeenskapsgedrewe, maar sonder die nodige kapasiteitsbou en institusionele onderskraging, het lede van die gemeenskap wanhopig geraak en word die beginsel van “saamwerk om meer te bereik” bloot beskou as net nog ’n plan wat ten opsigte van behuisingvoorsiening gefaal het. Dié studie het bevind dat die voetsoolvlak-behuisingskoöperasie – met die onderskraging van alle vlakke van regering – wel geslaagd kan wees, mits gemeenskapstrukture soos spaargroepe en hostelkomitees in plek is.

Thesis (MPhil)--University of Stellenbosch, 2011. / ENGLISH ABSTRACT: This thesis sets out to explore housing co-operatives as an alternative housing delivery mechanism in South Africa. This is done by critically examining the housing policy post 1994, as well as the various mechanisms government implemented in an attempt to manage the service delivery within the housing sector. The thesis also explores the role that co-operatives played in South Africa’s history and draws some historical comparisons in relation to the establishment of housing co-operatives internationally and locally. In exploring the various types of housing co-operatives, insights emerge about their structure, potential and limitations. The thesis examines the themes of public service delivery and explores possible alternatives to the failing traditional model of public service delivery. The thesis focuses on the experiences and perceptions that South Africans have with regards to local government process in housing service delivery. The thesis concludes that local government should play an active role in creating more collaborative partnerships; one that focuses on training and facilitating the efforts of civil society to establish entities such as housing cooperatives. This requires a fundamental shift in the manner in which local government approaches service delivery in the housing sector. / AFRIKAANSE OPSOMMING: Hierdie tesis het ten doel behuisings kooperatiewe te verken as ’n alternatiewe behuisingsmeganisme in Suid-Afrika. Dit is gedoen deur n kritiese ondersoek van die behuisingsbeleid na 1994, sowel as die verskeie meganismes wat die regering probeer implementeer het in ’n poging om die dienslewering binne die behuisingsektor te beheer. Die tesis ondersoek die rol wat koöperatiewe gespeel het in Suid-Afrika se geskiedenis en het ’n historiese vergelyking gemaak met betrekking tot die stigting van behuisingskoöperatiewe op internasionale sowel as op plaaslike vlak. In die tesis van die verskillende tiepe behuising koöperasies het sekere ideas na vore gekom ten opsigte van hul struktuur, potensiaal en beperkinge. Die tesis ondersoek die temas van publieke dienslewering en het ook na die alternatiewe gekyk ten opsigte van publieke dienslewering. Die tesis fokus op die ervarings en persepsies van Suid- Afrikaners met betrekking tot die plaaslike regering se proses van behuisings dienslewering. Die tesis word afgesluit met voorstelle waarin plaaslike regering 'n aktiewe rol speel in die skepping van meer samewerkende vennootskappe, een wat fokus op die opleiding en die fasilitering waarin pogings van die burgerlike samelewing entiteite tot stand bring soos byvoorbeeld behuising koöperasies. Dit vereis ’n fundamentele verandering in die wyse waarop plaaslike regering dienslewering benader in die behuisingsektor.

Thesis (MPhil)--Stellenbosch University, 2015. / ENGLISH ABSTRACT: This study undertakes a broad exploration of the Environmental Impact Assessment (EIA) process in South Africa through a case study analysis of the N2 Gateway Project, a low cost housing project of the new housing policy, Breaking New Ground (BNG). This study of the housing situation in South Africa is done to provide some context on informal settlements and shows why this is a significant social issue in post-apartheid South Africa. The main housing policies are discussed in order to indicate how the South African government attempts to address the housing challenges in the country, and more specifically, in the Western Cape. The overview is useful in gaining perspective about the nature of this process, including reasons why EIAs take such a long time to complete and how the effectiveness of these are determined. The key challenges and benefits of EIAs are discussed together with an analysis of the Strategic Environmental Assessment (SEA) tool. The case study analysis reveals how the EIA was not conducted in a proper way during the planning and implementation phases of the project. Together with this, various other significant matters of the project are highlighted because of the controversial nature of this project. The study reveals that it is not necessarily EIAs that are the cause of delays in the implementation of low cost housing projects, but that poor planning, fast tracking of the EIA process and completing the EIA too late in the planning procedure of the project are the main contributing factors causing the delays. The recommendations given are based on these findings, which indicate that the environmental authorization processes ought to be incorporated at a much earlier stage in the pipeline of the planning procedure, as well as transparent and more clearly defined roles should be established from the start. Better project management is also required and participation and communication between all the stakeholders involved should be given due attention. The study argues that the use of SEA can be very helpful and should be used to ensure that the proper planning mechanisms are in place. / AFRIKAANSE OPSOMMING: Die navorsing stel deur ʼn gevallestudie ondersoek in na die Omgewingsimpakassessering (OIA) van „n lae-koste behuising projek bekend as die N2 Gateway Projek in die Wes-Kaap provinsie, as deel van die regering se behuisingsbeleid bekend as Breaking New Ground. (BNG). Hierdie studie oor die omstandighede van die behuisingsituasie in Suid-Afrika is gdoen om konteks te gee oor informe nedersettings en te wys waarom dit ʼn belangrike onderwerp in post-apartheid Suid-Afrika is. Die belangrikste beleidstukke oor behuising word bespreek om te wys hoedat die Suid-Afrikaans regering die behuisingsuitdagings in die land aanspreek, mer spesifiek in die Wes-Kaap. Hierdie oorsig is waardevol om perspektief oor die aard van die proses te gee, wat onder andere die redes insluit waarom OIAs so ʼn lang tyd neem om te voltooi en om ook te wys hoe die effektiwiteit van laasgenoemde bepaal word. Die kern uitdagings en voordele van OIAs word bespreek sowel as ʼn analise van die wat bekend staan as strategiese omgewings assessering (SOA) instrument. Die analise van die gevallestudie wys hoedat die OIAs nie op die gepasde wyse gedurende die beplannings- en implementerings fases van die projek gedoen is nie. Hiermee saam is verskeie ander betekenisvolle faktore van die projek uitgelig as gevolg van die kontroversiële aard van die projek. Die studie kom tot die gevolgtrekking dat dit nie noodwendig die OIAs is wat die vertraging in die implementering van dié lae koste behuisingsprojek tot gevolg gehad het nie. Die belangrikste faktore wat tot daartoe bygedra het, kan eerder aan swak beplanning, die versnelling van die OIA proses en die voltooiing van die OIA eers teen die einde van die projek toegeskryf word. Die aanbevelings wat gemaak word geskied teen dié agtergrond. Dit behels onder andere dat die OIA-proses vir die goedkeuring van die projek veel vroeër in die beplannings proses gedoen moes word. Te same hiermee moes daar baie duideliker aanwysings gewees het oor wie verantwoordelikheid vir uitvoering van spesifieke take moes ontvang. Beter kommunikasie en deelname van die verskillende partye wat by die projek betrokke was, is verder ʼn voorvereiste wanneer soortgelyke projekte aangepak gaan word. Die gebruik van die SOA instrument is ook belangrik en behoort in projekte soos die N2 Gateway gebruik te word sodat daar beter beplanning gedoen kan word.

Thesis (MBA (Business Management))--Stellenbosch University, 2008. / ENGLISH ABSTRACT: This study focuses on the inclusionary housing policy (IHP), a concept introduced to incorporate the private sector in actively contributing to the delivery of affordable housing as a by-product of higher income housing delivery, in an effort to promote socio-economic integration and to eradicate informal housing by 2014. The IHP stipulates that between 0% to 30% of new residential developments, measured in units, need to be inclusionary in nature. This means that a unit may be sold from R50,000 to R350,000 or rented for R600 to R3,000 per month to beneficiaries earning between R1,500 and R7,500 gross income per month. The policy will be implemented in a phased manner with two complimentary strategies, namely the town planning compliant approach and the Voluntary pro-active deal driven approach. To off set financial burdens, the government has made available six incentives and the concepts of off site compliance and inclusionary stock credits. The national government has set the requirements and parameters of the inclusionary elements and based on this a number of the possible effects that this IHP might have on residential developments, when looking at the interactions of supply, demand and price,were discussed as well as the views of industry experts. Inclusionary housing will result in social benefits but unwanted social costs as well. Benefits and costs were discussed and even though this policy is not Pareto efficient, based on the Kaldor-Hicks criterion, it is efficient in that the members of society that are made worse off can be compensated by the beneficiaries due to the fact that surrounding property prices that may rise and developers get incentives they would otherwise not have had access to. This study also looked internationally at the key success factors that were identified in case studies focussing on the United States of America, United Kingdom, Malaysia and China. From this international study, recommendations were made for South Africa's IHP. Because of various cultures and economies, success factors can not purely be copied but the recommendations should add to sustainable inclusionary developments. Ad hoc recommendations, also inferred from international lessons learnt, were discussed briefly and based on the above findings and recommendations, the accusations made by industry experts were readdressed. Although some areas still remain grey, many were found to be questionable. No concrete inferences can be made from this study pertaining to the supply, demand or price of residential developments but the following predictions can be made. The IHP is not necessarily going to drive property prices down and the requirements may be accepted by higher income households and therefore socio-economic integration may be successful in South Africa. This is only if the policy remains in its current form and not become law. This is in order to adapt to changing external variables and to incorporate success factors as they become known; if the IHP gets implemented transparently; if suggestions are incorporated from all stakeholders i.e. beneficiaries, developers, governmental spheres and third parties such as financial institutions and if this policy is phased into the market timeously. / AFRIKAANSE OPSOMMING: Die studie fokus op die insluitende behuising beleid (IBB), 'n konsep wat bekend gestel is om die privaat sektor aktief betrokke te maak by die voorsiening van lae koste behuising as 'n by-produk van die voorsiening van hoër inkomste behuising in 'n poging om sosio-ekonomiese integrasie te bevorder en informele behuising teen 2014 te verwyder. Die IBB bepaal dat tussen 0% en 30% van nuwe residensiële ontwikkelings, gemeet in eenhede, insluitend van aard moet wees wat beteken dat eenhede vir tussen R50,OOO tot R300,000 verkoop en verhuur vir tussen R600 en R3,000 per maand aan begunstigdes wat tussen R1,000 tot R7,000 bruto inkomste per maand verdien. Die beleid sal trapsgewys toegepas word met twee komplimentêre strategieë naamlik 'n vrywillige pro-aktiewe gedrewe benadering en 'n dorpsbeplanning voldoeningsbenadering. Om finansiële belassings te voorkom het die regering ses aansporingsbonusse beskikbaar gestel en die konsepte van lewering op ander land en insluitende handels krediete. Die nasionale regering het die vereistes en limiete van die insluitende elemente bepaal en gegrond op dit is 'n aantal van die moontlike uitkomste, wat die IBB op residensiële ontikkelings mag hê, gegrond op die interaksie tussen aanbod, vraag en prys, bespreek asook die sieninge van sektor deskundiges. Insluitende behuising sal sosiale voordele en ongewenste sosiale nadele tot gevolg het. Voordele en nadele was bespreek en alhoewel die beleid nie Pareto optimaal is nie is dit effektief gegrond op die Kaldor-Hicks kriterium deurdat die lede van die samelewing wat slegter af gemaak word, gekompenseer kan word deur die begunstigdes deur eiendomspryse wat kan styg en ontwikkelaars wat aansporingbonusse ontvang wat hulle andersins nie toegang tot sou gehad het nie. Die studie het ook internasionaal gekyk na sukses faktore wat geidentifiseer was deur te kyk na gevalle studies wat gedoen is in Verenigde State van Amerika, Verenigde Koningkryk, Maleisië en China. Aanbevelings vir Suid-Afrika se ISS, algelei van die internasionale gevalle studies, is gemaak. As gevolg van verskillende kulture en ekonomiese faktore kan sukses faktore nie bloot gedupliseer word nie maar die aanbevelings behoort by te dra tot volhoubare insluitende ontwikkelings.

Thesis (MDF)--Stellenbosch University, 2008. / ENGLISH ABSTRACT: High interest rates on credit products in South Africa are not unusual. This would be beneficial to the South African consumers if the cost of incurring these credit products was lower than the benefit derived from incurring them .This is unfortunately not the case to the majority of the South African population. The unlikelihood of this situation is a direct result of the lack of access to appropriate savings and insurance products to a large number of South Africans. Most South Africans use credit, in the form of microloans to augment their consumption patterns. The majority of South Africans do not have a culture of saving; therefore they use credit as a substitute for the lack of savings when consumption patterns exceed income. Using credit as a substitute for the lack of savings becomes extremely costly for low income earners. The result is a perpetual dependence on credit, lack of accumulation of wealth and a lack of improvement in their standard of living. The perpetual dependence on credit has brought about unscrupulous lenders who take advantage of the low income earners dependency on credit for their daily existence. It is due to such exploitations that the South African government through its Department of Trade and Industry (DTI) intervened to bring normality in the South African credit market. This intervention was done through the promulgation of the National Credit Act (NCA), Act No.34 of 2005. The purpose of this study is to focus on a sub set of the credit providers in South Africa known as housing microfinance (HMF) lenders. The study explores the impact of the National Credit Act in the South African credit industry. The Act’s intentions are elaborated and the reality of the implementation of the Act on the drivers of profitability for the housing microfinance institutions is measured. The finding is that housing microfinance institutions have to restructure their business processes in order to be profitable and sustainable in the ambit of the National Credit Act. / AFRIKAANSE OPSOMMING: Vir menige finansiële produkte in Suid-Afrika is rentekoerse wat wissel tussen 80 en 150 persent is nie ongewoon nie. In ekonomiese terme kan verbruikers slegs voordeel trek uit hierdie hoë rentekoerse as die koste om hierdie krediet te verkry laer is as die voordeel wat voortspruit uit die aangaan van die koste. Hierdie situasie is hoogs onwaarskynlik in die oorgrote meerderheid van gevalle in Suid-Afrika. Die onwaarskynlikheid van hierdie situasie is die direkte gevolg van die gebrek aan toegang tot toepaslike spaar- en versekeringsprodukte vir ‘n groot aantal Suid-Afrikaners. Die meeste Suid-Afrikaners gebruik krediet (naamlik mikrolenings) om hulle verbruikerspatrone aan te vul. Die gebruik van krediet as ‘n plaasvervanger vir spaargeld word uitermate duur vir die lae-inkomste verdiener. Die gevolg is ‘n ewigdurende afhanklikheid van krediet, geen akkumulasie van welvaart nie en ‘n gebrek aan verbetering van lewenstandaard. Die ewigdurende afhanklikheid van krediet het gewetenlose uitleners geskep wat die lae-inkomste verdieners uitbuit wat afhanklik is van krediet vir hul daaglikse bestaan. Dit is as gevolg van hierdie tipe uitbuiting dat die Suid-Afrikaanse regering deur sy Departement van Handel en Nywerheid tussenbeide getree het om normaliteit te bring in die Suid-Afrikaanse kredietmark. Hierdie intervensie is gedoen deur die uitvaardiging van die Nasionale Kredietwet, Wet No. 34 van 2005. Die doel van hierdie studie is om te fokus op ‘n onderdeel van die kredietverskaffers in Suid-Afrika bekend as die behuising-mikrofinansiering-uitleners. Die studie ondersoek die impak van die Nasionale Kredietwet in die Suid-Afrikaanse kredietindustrie. Die Wet se oogmerke word uiteengesit en die realiteit van die implementering van die Wet op die drywers van winsgewendheid vir die behuising-mikrofinansiering-instansies word gemeet. Die bevinding is dat behuising-mikrofinansiering-instansies hulle besigheidsprosesse moet herstruktureer ten einde meer winsgewend en volhoubaar te wees binne die strekking van die Nasionale Kredietwet.

Thesis (MBA)--Stellenbosch University, 2013. / Having inherited a huge housing shortage from the previous apartheid regime, the government of the newly liberated Republic of South Africa embarked on an ambitious programme to resolve the problem, as was required of it by its constitution. The government’s approach was (and is) to offer a once-off subsidy, which has become increasingly generous over the years, to qualifying households. Twenty years later, some three million dwelling units have been built, but there remains a shortfall of some two million houses, which is growing annually. Having regard to the size of the problem and the fact that it is growing despite Herculean efforts on the part of the government, it is clear that intervention by the private sector and civil society is required. The private sector, however, is constrained by the fact that profitability in the affordable housing market is small. In the absence of reasonable profit margins, and in the context of the fact that there is a dire need for adequate shelter, the question arises why corporations who have a long history of donating to social causes, do not allocate more of their corporate social investment budgets to organisations involved with the problem? The answer is that the need is for a private good that is already receiving significant government support, with the result that corporate social investment is crowded out. In addition, corporations are increasingly recognising the need to align their social investment strategies with their business strategies. This is not happening in the housing context partly because corporations are struggling to conceptualise the relationship between the two strategies, and partly because there is no framework within which to do so. Corporate social investment strategies are meaningful and justifiable when they open new markets and opportunities for the company. Successful human settlements exist where economic and social opportunities are integrated seamlessly. Should the government’s housing policy use the principle of integration as a point of departure, it could encourage corporations to channel moneys to social causes. The ideal vehicles for the corporations to employ in such endeavours are social enterprises, because these are non-profit organisations that are managed in a business-like manner. They bring focus to the investment and assurances that moneys are spent well, and their entrepreneurial approach makes them self-sustaining over time.

Thesis (MDF)--Stellenbosch University, 2015. / ENGLISH ABSTRACT: The non-availability of funding for low-cost housing is a major stumbling block in the provision of housing for the poor in South Africa (Moss, 2001). Banks and other commercial institutions are generally reluctant to fund construction companies in this industry in view of the high level of risk involved. The Industrial Development Corporation of South Africa is a development finance institution that is involved in the financing of construction companies. This study looked at the effectiveness of IDC in financing construction companies that are involved in low cost housing development. The study also looked at whether the IDC's strategiC objectives of promoting job creation had been achieved by providing funding to the construction companies. Only those companies involved in low-cost housing as the only or part of their business activities have been chosen for the study. A qualitative method of research analysiS has been selected as the best way of analysing the research findings in this paper. The empirical analysis indicated that generally the respondents are satisfied with the funding provided by the Industrial Development Corporation, but have serious concerns regarding the turnaround times for credit approvals, completion of legal agreements, disbursement of funds and the fees charged.

published_or_final_version / Urban Planning / Master / Master of Science in Urban Planning