M. Tech. Business Administration / The aim of this research is to investigate the extent of mobile banking usage among low-income people in Johannesburg. A descriptive design was conducted; data by means of a survey, using self-administered questionnaires, was collected from the inhabitants of the informal settlements of Tembisa and Alexandra Townships in Johannesburg. This represented a total population of about 6000 households. From which, a sample of 200 households was systematically selected randomly.

This thesis is an evaluation of the members of the missionary religious Congregation of the Holy Spirits' understanding of their mission to the poor in the Dioceses of Bethlehem and Durban in South Africa. The Congregation of the Holy Spirit was founded on 27th May, 1703, Feast of Pentecost. A group of poor clerical students knelt before the statue of the Black Virgin of Paris (Our Lady of Deliverance) in the Church of St. Etienne-des-Gres. Their friend and leader was Poullart des Places. This small group of young men consecrated themselves to the Holy Spirit so marking the foundation of the Congregation. In the year 1848 some forty missionaries of the Congregation of the Holy Heart of Mary founded by Francis Libermann in 1841 were integrated into the Congregation of the Holy Spirit. From its foundation, the mission of the Congregation has always been the "evangelization of the poor" (Luke 4:18). For the founders, the poor meant those who were oppressed and marginalized among whom were the poor students and slaves in the colonies. My particular concern, however, is to evaluate the members of the Holy Spirits' understanding of their mission to the poor in the Dioceses of Bethlehem and Durban in South Africa. How do Spiritans in these two dioceses understand or interpret "the poor" whom they serve? How does this contemporary South African Spiritan understanding of the poor match with that of the founders or constitution of the Congregation? My response to these questions is an affirmation. In the evaluation, we will discover that the poor in the dioceses of Bethlehem and Durban include those who are unemployed, HIV/AIDS patients, orphans, children and women who are abused, refugees / asylum seekers, street children and many others. In summary, it is noted that the poor are those who lack physical necessities, socially oppressed and spiritually poor. In faithfulness to the intuition of the founders, it is observed that Spiritans in both Bethlehem and Durban Dioceses are attempting to be at the service of the poor. They are serving the poor through the proclamation of the Word, administration of the Sacraments, visitation of people in their own homes, attending to those who are infected and affected by HIV/AIDS pandemic, promoting the values of the Kingdom of God through justice and peace ministries and finally, Spiritans are working among the refugees, prisoners and hostel dwellers. Looking at these Spiritan ministries, it is noted that their choices of works are in accordance with the vision of the founders a well as what is in the Spiritan Rule of Life or constitution. Spiritans in both Bethlehem and Durban perceive their vocation as being at the service of these people. However, as religious, there are other elements which should be taken into consideration, such as prayer, community life and missionary spirituality. These are essential elements in the life of the members of the Congregation of the Holy Spirit. In general, the interviews show a lack of community life among members of the Congregation. This lack of community life affects prayer life as well. Other important elements include the need to revisit the idea of education and recovery of prophetic dimension of the Congregation where its members are always at the frontier situations. / Thesis (M.Th.)-University of KwaZulu-Natal, Pietermaritzburg, 2007.

This research centres on the church's involvement in human development and poverty alleviation programmes. This thesis acknowledges that many Third World nations received political freedom from Western colonialists, but many of these countries failed to successfully exploit the political freedom to improve economic growth and human development. Poverty is therefore one of the major problems facing people in Third World countries. / Thesis (M.Th.)-University of Natal, Pietermaritzburg, 2002

Informal settlement areas (often referred to as squatter settlements or squatter camps) exist in all provinces of South Africa. These areas are characterized by rapid and unplanned development. The result of these is that property boundaries in most of these areas are not surveyed. Since the plots do not have boundary beacons, the land parcel is not properly defined and therefore, the property cannot be registered in the user or owner's name. Consequently, ownership is not guaranteed. Thus there are no legal documents to prove the relationship between an individual and the property. This paper discusses the problems in the land reform process that can be attributed to the existence of informal settlements. The paper is based on a research carried out to assess the effect of informal settlements on the success of the land reform programme in South Africa. A review of literature on the land reform programme and its implementation plan was carried out. The research also included a literature review on informal settlements in relation to property ownership, cadastral surveying and land registration. Three informal settlements in the KwaZulu-Natal province of South Africa were identified for study. These included Cato Manor and Umlazi section CC in Durban and Peace Valley 2 in Pietermaritzburg. / Thesis (M.Sc.)-University of KwaZulu-Natal, Pietermaritzburg, 2005.

Governance is defined here as the process of decision-making and implementation. Public participation which leads on from good governance is a process leading to a joint effort by stakeholders, technical specialists, the authorities and the developing agent who work together to produce better decisions than if they had acted independently. Environmental decision-making and environmental partnerships go hand in hand in the sense that good environmental decision-making can only take place if sustainable environmental partnerships are formed. This thesis focuses on the case study of the Warwick Junction Urban Renewal Programme as an example of an area based management development project in the eThekwini Municipality. Warwick Junction is a vibrant trading and transport node in the heart of the city. The area is complex in terms of its biophysical, societal, economic and political structures. The purpose of the implementation of an Urban Renewal Program in July 1996 in Warwick Junction was to uplift and upgrade this inner city area so as to provide an improved trading and residential environment. A large number of projects that fall under this renewal programme have been completed. Community involvement in these projects has been implemented via community representation on a steering committee. It is proposed that a process of good governance is necessary to integrate sustainability into all spheres of development. The aim of this research therefore is to assess the decision-making processes for a number of environmental projects in Warwick Junction. The following projects that have already been completed will be the focus of this study: The Warwick Triangle Playground, Herb Traders Market, Bovine Head Cookers facility, Mealie Cookers Facility and the Badsha Peer Project. Theories of urban governance, public participation, environmental decision-making and environmental partnerships under the broader framework of sustainability, form the conceptual framework for this study. A qualitative approach has been employed in this research. Primary data has been derived from focus groups and open-ended interviews. A set of social sustainability indicators that was derived from the theoretical framework was used to determine the most successful project. Results show that the Mealie Cookers Project displayed all the characteristics of good urban governance. It is also considered to be a sustainable project because as part of its commitment to the urban renewal programme it has balanced the social, economic and environmental needs of present and future generations in Warwick Junction. This was the most successful project out of the five projects as it ranked very high on the social sustainability indicator table followed by the Muthi Traders market, the Badsha Peer Shelter, the Playground Facility and lastly the Bovine Head Cookers facility. The Muthi Market ranked as high as the Mealie Cookers Project on the social sustainability indicator table. This is due to adequate participation with affected communities which allowed them to contribute towards the decision-making process. The strength of the Badsha Peer Shelter Project lies in the good governance and good environmental decisions being taken, win-win partnerships and overall empowerment of stakeholders. The Playground Facility brought with it many political tensions as there were two civic associations that were at loggerheads with each other surrounding the whole project. The strength of this project lies in its transformative participation as the affected communities ideas were used to decide on the location of the park. There were also many political tensions among the Bovine Head Cookers. As a result of the cookers belonging to different political parties, an issue of territory was brought to the surface. Due to serious conflict between cookers and the renewal team, this project has taken three years to implement. It is thus considered to be the most unsuccessful project out of the five projects researched. It is therefore evident that three out of the five projects have been successful, displaying appropriate environmental governance. The results indicate that the environmental decision-making mechanisms that have been employed by the urban renewal team have been transformative in the sense that they not only give a voice to the communities, but also have empowered them in the process. Adequate public participation has also contributed to the success of the programme along with win-win types of partnerships that have formed. It is therefore concluded that the urban renewal decision-making mechanisms implemented in the Warwick Junction have contributed to the sustainability of the development programme. / Thesis (M.Sc.)-University of Natal, Durban, 2004.

Questa tesi esamina il significato e il ruolo che lo spazio ha assunto nella vita e nell’opera di Harriet Martineau. Nella prima parte della tesi l’attaccamento al – o il rifiuto del – luogo, i.e., la casa, è stato ritenuto significativo per lo sviluppo identitario e il senso di benessere esperiti da Martineau. Il racconto economico di Martineau datato 1834 e intitolato The Land’s End è stato scelto invece quale focus nella seconda parte della tesi – scelta basata sulla possibilità di illustrare una strategia narrativa che si avvale dell’utilizzo concreto e simbolico di immagini spaziali da parte della scrittrice. / This dissertation examines the meaning and the role of place in Harriet Martineau’s life and work. In the first part of the dissertation, the attachment to – or rejection of – place, i.e. home, has been acknowledged as significant in Martineau’s development of self-identity and feeling of well-being. Moreover, Martineau’s 1834 economic tale entitled The Land’s End has been chosen as the focus for the second part of the dissertation – a choice based on the possibility of showing the woman writer’s narrative strategy and use of space images in both a concrete and symbolic way.

This dissertation studies the role of clothing manufacturing co-operatives in job creation and poverty alleviation in Sharpeville. Ttie study focuses on three areas, namely, the theories of unemployment, poverty and clothing manufacturing, the state of unemployment and poverty in Sharpeville and clothing manufacturing co-operatives as one of the contributors to the solution to unemployment and poverty. Unemployment is identified, among others, as a major determinant of poverty; therefore, the main component of any policy aimed at eradicating poverty should focus on employment creation. The clothing industry being the most labour-intensive industry in South Africa with low capital entry requirement creates opportunities for entrepreneurially driven employment creation in Sharpeville. The approach in the dissertation was to define and measure unemployment and poverty and determine the profile of the poor in Sharpeville. This is done by employing household-level indicators. For measuring poverty the following tools are used: the Household Subsistence Level (HSL) as poverty line, the, headcount index, the poverty gap and the dependency ratio. Unemployment is also used to determine poverty levels. The dissertation shows that Sharpeville experiences high unemployment rates and low levels of poverty based on the indicators employed. Compared to Bophelong, most indicators (except for unemployment) show that Sharpeville is better off. Comparing the operations of clothing businesses in Sharpeville and Mitchell's Plain, the dissertation shows that clothing manufacturing has the potential to create job opportunities in Sharpeville if assistance could be offered. Assuming that assistance is offered to form clothing manufacturing cooperatives. The dissertation shows that 374 jobs could be created and that the unemployment rate could decrease from 59.2 percent to 52.9 percent. The expenditure of the whole population of Sharpeville on clothing (also considering nearby communities) shows a potential big market for clothing manufacturing co-operatives in the township. At an average income of R600 per month the impact will be that the poverty rate will be reduced from 43.1 percent to 40.8 percent and at an average income of R1 500 the impact will be that the poverty rate decrease from 43.1 percent to 39.1 percent. Finally, the dissertation concludes that clothing manufacturing co-operatives can indeed create job opportunities and alleviate poverty, but assistance from different structures is needed. The dissertation suggests major support systems like involvement by industry and training institutions, the formation of associations working directly with operators, the addressing of the problem of geographic location of service providers and government involvement. / Thesis (M.Com. (Economics))--North-West University, Vaal Triangle Campus, 2005.

This dissertation studies the role of education and training in job creation and poverty alleviation in the Sicelo Township. The study focuses on three areas, namely, unemployment, poverty and education and training. The actual state of unemployment and poverty in Sicelo is determined and the role of education and training in solving the problems of unemployment and poverty is discussed. Unemployment is identified, amongst others, as a major determinant of poverty. The main component of any policy aimed at eradicating poverty should therefore focus on employment creation. Education and training is found to be important in labour force participation, finding employment and, therefore, in alleviating poverty. Across both genders, individuals with a low level of education have less chance of finding employment than those with a higher level. Both unemployment and poverty is measured and a profile of the poor in Sicelo is given in terms of several household-level indicators. To measure poverty, the following tools are used: the household subsistence level (HSL) as poverty line, the headcount index, the poverty gap and the dependency ratio. The dissertation shows that Sicelo, compared to Bophelong, experiences lower unemployment rates as well as lower levels of poverty. Most of the indicators show that households in Sicelo are better off than Bophelong. From the analysis it is clear that a high percentage of the poor population have only a primary or incomplete secondary education, which could therefore imply that the lack of education (especially higher education) is a contributing factor to unemployment and poverty in Sicelo. Hence this study shows that access to education is clearly a key component, not only for human resource development, but also of an individual's ability to cope with modern living and to benefit from available opportunities. The unemployment rate amongst the poor was determined at 61.7 percent for Sicelo and the number of poor unemployed persons estimated at 908. If the poor unemployed with skills could be assisted in acquiring further training in the same field in which they already have skills, job opportunities could possibly be found in catering, retail trade, building construction, sewing and welding. Assuming that jobs for all 908 unemployed poor persons in Sicelo could be created at an average monthly income of R600 per month, the impact on the Sicelo community would be that the headcount index would be reduced from 0.50 to 0.23 and the poverty gap index from 0.37 to 0.22. This implies that the percentage of households below their poverty lines would be reduced from the present 50 percent to only 23 percent, and the average shortfall in income of the poor households would be reduced from 37 percent to 22 percent. More training and/or higher qualifications may lead to an increase in the average income, which will result in the reduction of the headcount index. Finally, the dissertation concludes that investing in education and training indeed can create job opportunities and reduce unemployment. This conclusion was drawn from the contention that uneducated individuals have fewer employment opportunities than their educated counterparts. Educated people have also a higher income earning potential, and are better able to improve the quality of their lives. / Thesis (M.Com. (Economics))--North-West University, Vaal Triangle Campus, 2006.

This dissertation studies the social cost of pollution in Leitrirn, which is a township in the Vaal Triangle area. Policies and technologies that may be implemented to reduce pollution inc poor communities are also discussed. The study focuses on three areas namely pollution unemployment and poverty. Leitrim experiences a high rate of both unemployment and poverty. Residents in this area also experience high levels of pollution. Compared to Rathanda township which is more rural. Leitrim is worse off in terms of unemployment poverty and pollution. Unemployment is a major determinant of povert in Leitrim. The main component of a policy aimed at alleviating poverty in Leitrim should therefore focus on employment creation. Unemployment and poverty are defined and measured in this dissertation and the poor in Leitrim are profiled in terms of their gender qualification employment, unemployment and their spending methods. For measuring poverty the Household Subsistence Level (HSL) is used as poverty line to determine the headcount index and the poverty gap. Pollution is identified as one the factors which affect the wellbeing of the poor negatively. Reducing the k\el pollution will therefore also reduce the depth of poverty in poor communities. This dissertation focuses on the following types of pollution: land-based pollution (littering), dust pollution, noise pollution and air (indoor smoke pollution & air pollution from coal fire) pollution. Alternative technologies such as BM implemented in full scale can reduce the level of air pollution by more that 50 percent. It will also reduce the monthly household expenditure of poor households on coal by at least J.5 percent. / Thesis (M.Com. (Economics))--North-West University, Vaal Triangle Campus, 2006.

This dissertation studies the role of clothing manufacturing co-operatives in job creation and poverty alleviation in Sharpeville. Ttie study focuses on three areas, namely, the theories of unemployment, poverty and clothing manufacturing, the state of unemployment and poverty in Sharpeville and clothing manufacturing co-operatives as one of the contributors to the solution to unemployment and poverty. Unemployment is identified, among others, as a major determinant of poverty; therefore, the main component of any policy aimed at eradicating poverty should focus on employment creation. The clothing industry being the most labour-intensive industry in South Africa with low capital entry requirement creates opportunities for entrepreneurially driven employment creation in Sharpeville. The approach in the dissertation was to define and measure unemployment and poverty and determine the profile of the poor in Sharpeville. This is done by employing household-level indicators. For measuring poverty the following tools are used: the Household Subsistence Level (HSL) as poverty line, the, headcount index, the poverty gap and the dependency ratio. Unemployment is also used to determine poverty levels. The dissertation shows that Sharpeville experiences high unemployment rates and low levels of poverty based on the indicators employed. Compared to Bophelong, most indicators (except for unemployment) show that Sharpeville is better off. Comparing the operations of clothing businesses in Sharpeville and Mitchell's Plain, the dissertation shows that clothing manufacturing has the potential to create job opportunities in Sharpeville if assistance could be offered. Assuming that assistance is offered to form clothing manufacturing cooperatives. The dissertation shows that 374 jobs could be created and that the unemployment rate could decrease from 59.2 percent to 52.9 percent. The expenditure of the whole population of Sharpeville on clothing (also considering nearby communities) shows a potential big market for clothing manufacturing co-operatives in the township. At an average income of R600 per month the impact will be that the poverty rate will be reduced from 43.1 percent to 40.8 percent and at an average income of R1 500 the impact will be that the poverty rate decrease from 43.1 percent to 39.1 percent. Finally, the dissertation concludes that clothing manufacturing co-operatives can indeed create job opportunities and alleviate poverty, but assistance from different structures is needed. The dissertation suggests major support systems like involvement by industry and training institutions, the formation of associations working directly with operators, the addressing of the problem of geographic location of service providers and government involvement. / Thesis (M.Com. (Economics))--North-West University, Vaal Triangle Campus, 2005.