The potential of small and medium enterprises (SMEs) in promoting economic growth in both developed and developing countries is widely accepted and documented by both scholars and policy makers. Particularly lacking are studies on the evidence in support of the importance of credit rationing to the sustainability of SMEs in an emerging economy like South Africa’s. This specific problem, especially in the developing countries, has been identified as the major bottleneck in realising socio-economic potentials of SMEs in those countries. However, one of the major ways of addressing the challenge of inadequate funding that exists within the SME sector is the use of bank credit. This study was therefore undertaken to explore the role of commercial banks in the provision of credit to the SMEs in South Africa. This study focuses on the issue of the relationship between the banking industry and SMEs. In particular, the problem of credit rationing of, and discrimination against SMEs by commercial banks was investigated. Because credit rationing and finance gaps can stem from imperfections on either supply-side (banks), or demand-side (SMEs), or both, the intention of the study was to examine both of these variables in order to uncover the implications of their relationships. The empirical analysis is based on survey data collected by means of a structured questionnaire which was distributed amongst banks and SME borrowers in the Gauteng Province of South Africa. Contrary to the general view that commercial banks are disinclined to provide credit to SMEs, the study found that South African banks are keen to serve the SMEs and are therefore making efforts to penetrate this potentially profitable market segment. However, several obstacles are potentially restricting the involvement of banks with SMEs in South Africa. The findings revealed that regulations such as the Financial Intelligence Centre Act (FICA) and the National Credit Act (NCA) came out strongly as major hindrances of bank financing to SMEs. Furthermore, it was shown that compliance with the NCA was ranked higher than credit history and profitability as a factor hindering the approval of SME loans. - iii - However, by using the structural equation modelling (SEM), the results also show that there is a positive and significant influence of lending technology and collateral on the supply of credit to SMEs. Variables such as creditworthiness, collateral and e-banking were found to have a positive and significant impact on the provision of credit to SMEs by commercial banks. For both the supply- and demand-side analysis, technology came out as the most important predictor of SME access to finance. This means that banks should strive to align their lending techniques with the dynamic technological developments so as to reach as many SMEs as possible even in the geographically dispersed regions. It is anticipated that improving SME access to bank credit could be the key to the growth and sustainability of SMEs, the alleviation of poverty and unemployment; and consequently leading to the growth of the South African economy. / Business Management / D. Com. (Business Management)

School physical science is a prerequisite for science courses at institutions of higher education. Science graduates are an important link in a nation's scientific and technological development which often shapes a country's economic development. The purpose of this study was to investigate psychological and social factors influencing physical science achievement and attitude of black secondary school students in South Africa. The first part of the literature study which was concerned with physical science education in South Africa revealed that few black students chose to study science after standard seven, that failure rates were high and that science education was generally in a state of crisis. The second part of the literature study identified psychological and social factors related to science achievement and attitude. These were home environment variables, teacher and school related variables, personal variables (self-concept, motivation, gender, ethnicity) and students' abilities. The third part was the construction of a Structural Equation Model (SEM) specifying the relationships among the psychological and social factors and their effects on physical science achievement and attitude. The theoretical SEM fit the data reasonably well. The best fitting model, however, was a revised model in which several paths were constrained. The latter accounted for a substantial variance in attitude towards physical science (70.3%) and a meagre 17.7% in physical science achievement. The variables ability, home environment and self-concept had the greatest total effects on physical science achievement. Self-concept, home environment and motivation made the greatest total contributions to physical science attitude. Teacher characteristics and school environment had non-significant effects on physical science achievement and attitude. Multiple-group structural equation modelling analyses found no significant difference in the structural parameters of boys and girls. Theoretical and educational implications of the findings were discussed and specific recommendations for improving educational practice in general and physical science achievement and attitude in particular, were made. / Psychology of Education / D. Ed. (Psychology of Education)

Text in English / Regular exercise has significant physical and psychological health benefits yet, paradoxically, may also have harmful effects. The purpose of this study was to investigate the physical and psychological health risks of distance running, a popular participation sport in South Africa. Structural equation modelling was employed to examine the personality and motivational antecedents of running addiction and its influence, in turn, on self-reported overuse injuries and upper respiratory tract infections in 220 athletic club members. The predictors and physical health effects of customary training load were also assessed. It was found that perfectionistic concerns, Type A behaviour pattern, and task goal orientation had a direct, positive impact on running addiction, which predicted higher running injury scores. In contrast, training workload (Volume × Intensity) was inversely related to injury risk. Neither running addiction nor any training load variables influenced infectious illness susceptibility. The findings of this study indicate that maladaptive perfectionism, Type A behaviour, and achievement goal orientation may be risk factors for running addiction, which may, in turn, contribute to increased injury incidence in South African distance runners. Conversely, heavier training loads may be protective against injury occurrences in this population. The results of this research may help to enhance current understanding of the possible health hazards of distance running. This knowledge may have practical implications for the health and well-being of runners of diverse levels of ability and experience. / Psychology / D.Litt. et Phil. (Psychology)

The purpose of the study was to identify and transform, as necessary, constructs of communication satisfaction and to develop a hybrid quantitative audit of organisational communication satisfaction for collectivist contexts that is both reliable and valid, using Amos Graphics for structural equation modelling. The objective was also to develop a full latent variable model and to test its fitness to the data collected from a random sample of civil servants across Addis Ababa’s civil service bureaus. The study comprised three sequential parts, namely pilot, exploratory factor analysis (EFA) (Main Study One) and confirmatory factor analysis (CFA) (Main Study Two). These were used as per the existing framework in instrument development and validation. The pilot study indicated the need for more robust data. After a series of tests, principal factor axis factoring with oblique rotation was used as the most appropriate for perceptual data, out of several options on the EFA menu. The initially hypothesised six-factor solution with the dimensions of horizontal communication, personal feedback, supervisory communication, communication climate, relational trust and job satisfaction was found to be unfit for the data on conceptual and statistical grounds and psychometric analyses which involved the use of eigenvalues and the scree plot. A more appropriate two-factor solution based on the more precise parallel analysis strategy was consistent with current research that communication satisfaction is best conceptualised in terms of informational and relational domains as operationalised using the EFA procedure. The two-factor solution led to the formation of a 17-item scale out of the original 30-item measure, with two latent dimensions namely relational satisfaction and informational satisfaction. The items of the new EFA-generated organisational communication satisfaction scale were renumbered consecutively and the scale was cross-validated on a xiv new sample of 288 civil servants from the Addis Ababa City Administration. The cross-validation necessitated model respecification and re-estimation. The respecified model underwent validation at different levels. All seven aspects of validity, namely content validity, construct validity, factorial validity, reliability, convergent validity, discriminant validity and nomological validity, were addressed and found to be adequate. However limitations are also indicated as avenues for further enquiry. / Communication Science / D. Litt. et Phil. (Communication)

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Brand loyalty is seen as a repeat purchase and also the ability to recommend services or products. Telecommunication service providers require loyal customers to stay in business. The current thesis examines the impact of how brand function and corporate image create loyalty in North America, Europe, and Africa's telecom service providers. The researcher employed an anonymous online survey in Africa, Europe, and North America. A total of 971 responses were received. Using Partial Least Square regression analysis, the research examined the relationship between the variables: Brand Function, Corporate Image and Loyalty. The study found that brand function and corporate image has a significant positive effect on customer satisfaction. In addition, the research used machine learning algorithm to model the best prediction for consumer recommendation of products and services through their telecommunication service provider to friends and family. / School of Computing / M. Sc. (Computing)

Mobile learning has developed into an essential component within the education landscape and, with two billion users worldwide, the social media platform WhatsApp has become a prominent feature in this domain. Nevertheless, with ambiguity in the literature about the effects of WhatsApp on teaching and learning and especially a paucity of research measuring collaboration on WhatsApp in relation to students’ academic achievement. The purpose of the study was to explain and predict WhatsApp’s effect on academic achievement using a quantitative questionnaire. The results suggest that increased collaboration on WhatsApp may improve academic achievement. Additionally, improving other aspects, such as active learning, trust, support, formality, interaction and interdependence, may enhance collaboration and, in turn, improve academic achievement. The study has value by providing measurable scientific evidence about the effects of WhatsApp on learning that can be incorporated into the design of teaching and learning activities with WhatsApp to improve academic achievement. / Uhlelo lokufunda uhamba (Mobile learning) selikhule ladlondlobala laba yisigaba esibalulekile ngaphansi komkhakha wemfundo kanti, lolu hlelo selunabasebenzisi abangamabhiliyoni amabili emhlabeni wonke jikelele, uhlelo lwenkundla yezokuxhumana komphakathi lwe-WhatsApp seluyinkanyezi egqamile kulesi sizinda. Yize-kunjalo, kukhona okungacaci kahle mayelana nombhalo wobuciko kwimiphumela yohlelo lwe-WhatsApp mayelana nokufundisa kanye nokufunda, kanti ikakhulu, uhlelo lwezocwaningo olulinganisa izinga lokusebenzisana kohlelo lwe-WhatsApp okumayelana nokuphumelela kwabafundi kwizifundo zabo. Inhloso yalolu cwaningo kwaye kuwukuchaza kanye nokuhlahla umphumela wohlelo lwe-WhatsApp kwezemfundo, ngokusebenzisa uhlelo locwaningo lwemibuzo egxile kumanani (quantitative questionnaire) . Imiphumela iphakamisa ukuthi izinga lokusbenzisana ohlelweni lwe-WhatsApp lungathuthukisa umphumela wezemfundo. Ngaphezu kwalokho, lungathuthukisa ezinye izinhlaka, ezinjengohlelo lokufunda olumatasa. Lungaletha ukwethembana, ukuxhasana, ukwenza izinto ngendlela esemthethweni, lungaletha ukuxoxisana kanye nokusebenzisana kwangaphakathi, lungaqinisa ukusebenzisana, kanti ngakolunye uhlangothi, lungaletha impumelelo kwezemfundo. Ucwaningo lubalulekile ngoba lunikeza ubufakazi bezesayensi obulinganisekayo mayelana nemithelela yohlelo lwe-WhatsApp ohlelweni lokufunda, okuwuhlelo olungafakwa ngaphansi kohlelo lokudizayina imisebenzi yohlelo lokufunda nokufundisa ku-WhatsApp ukuthuthukisa ukwenza ngcono imiphumela yezemfundo. / Mobiele leer het in ’n noodsaaklike komponent van die onderwyslandskap ontwikkel en met twee miljard gebruikers wêreldwyd, het die sosiale mediaplatform WhatsApp ’n prominente kenmerk van hierdie domein geword. Nogtans bestaan daar dubbelsinnigheid in die letterkunde oor die uitwerking van WhatsApp op onderrig en leer, en is daar veral ’n gebrek aan navorsing wat die samewerking op WhatsApp in verhouding tot die studente se akademiese prestasies meet. Die doel van hierdie studie was om WhatsApp se uitwerking op akademiese prestasie aan die hand van ’n kwantitatiewe vraelys te verduidelik en te voorspel. Die resultate stel voor dat ’n groter mate van samewerking op WhatsApp akademiese prestasie kan verbeter. Dit kan ook ander aspekte soos aktiewe leer, vertroue, ondersteuning, formaliteit, interaksie en onderlinge afhanklikheid verbeter en kan samewerking verhoog, wat op sy beurt akademiese prestasie kan verbeter. Die studie is waardevol in die sin dat dit meetbare, wetenskaplike bewyse oor die uitwerking van WhatsApp op leer verskaf het, wat by die ontwerp van onderrig- en leeraktiwiteite geïnkorporeer kan word om akademiese prestasie te verbeter. / School of Computing / M. Tech. (Information Technology)

La modélisation par équations structurelles est très répandue dans des domaines très variés et nous l'appliquons pour la première fois en métrologie dans le traitement de données de comparaisons interlaboratoires. Les modèles à équations structurelles à variables latentes sont des modèles multivariés utilisés pour modéliser des relations de causalité entre des variables observées (les données). Le modèle s'applique dans le cas où les données peuvent être regroupées dans des blocs disjoints où chaque bloc définit un concept modélisé par une variable latente. La structure de corrélation des variables observées est ainsi résumée dans la structure de corrélation des variables latentes. Nous proposons une approche bayésienne des modèles à équations structurelles centrée sur l'analyse de la matrice de corrélation des variables latentes. Nous appliquons une expansion paramétrique à la matrice de corrélation des variables latentes afin de surmonter l'indétermination de l'échelle des variables latentes et d'améliorer la convergence de l'algorithme de Gibbs utilisé. La puissance de l'approche structurelle nous permet de proposer une modélisation riche et flexible des biais de mesure qui vient enrichir le calcul de la valeur de consensus et de son incertitude associée dans un cadre entièrement bayésien. Sous certaines hypothèses l'approche permet de manière innovante de calculer les contributions des variables de biais au biais des laboratoires. Plus généralement nous proposons un cadre bayésien pour l'amélioration de la qualité des mesures. Nous illustrons et montrons l'intérêt d'une modélisation structurelle des biais de mesure sur des comparaisons interlaboratoires en environnement. / Structural equation modelling is a widespread approach in a variety of domains and is first applied here to interlaboratory comparisons in metrology. Structural Equation Models with latent variables (SEM) are multivariate models used to model causality relationships in observed variables (the data). It is assumed that data can be grouped into separate blocks each describing a latent concept modelled by a latent variable. The correlation structure of the observed variables is transferred into the correlation structure of the latent variables. A Bayesian approach of SEM is proposed based on the analysis of the correlation matrix of latent variables using parameter expansion to overcome identifiability issues and improving the convergence of the Gibbs sampler. SEM is used as a powerful and flexible tool to model measurement bias with the aim of improving the reliability of the consensus value and its associated uncertainty in a fully Bayesian framework. The approach also allows to compute the contributions of the observed variables to the bias of the laboratories, under additional hypotheses. More generally a global Bayesian framework is proposed to improve the quality of measurements. The approach is illustrated on the structural equation modelling of measurement bias in interlaboratory comparisons in environment.

Foreign exchange banking organisations afford individuals great career opportunities, and therefore endeavour to attract high-caliber employees who are self-motivated and create the dynamic, innovative and professional culture characteristic of the organisation. Retaining key talent characterised by skills shortages has become an imperative for sustaining competitive business performance in a fast-changing economic environment. The general aim of this research was to develop a model of employee motivation and job satisfaction for staff retention practices in a foreign exchange banking organisation. The concepts of employee motivation, job satisfaction and employee retention were discussed with regard to their history, conceptual foundation, theoretical approaches, types, variables and consequences. The theoretical model was developed accordingly on the basis of the literature review, and revealed the factors that could influence employee retention. The main purpose of the empirical research was to operationalise the theoretically derived motivation and job satisfaction concepts, statistically determine the underlying variables of motivation and job satisfaction that influence employee retention and develop a structural equation model to verify the theoretical model. A quantitative empirical research paradigm using the survey method was followed. Explanatory and descriptive research was used in this study, with a sample of 341 foreign exchange banking individuals drawn from a financial institution. Three questionnaires and a biographical questionnaire were adapted and administered to employees. The Work Preference Inventory (WPI) measured employee motivation, the Job Satisfaction Survey (JSS) measured job satisfaction, and the Employee Retention Questionnaire (ERQ) measured employee retention intention. A structural equation model development strategy produced a new best-fitting retention model based on the new constructs postulated in the factor analysis. The model indicated that job satisfaction explained the highest variance of retention when compared to motivation. The research should contribute towards a comprehensive understanding of the factors that influence employee retention. The new model of employee motivation and job satisfaction for staff retention practices in a South African foreign exchange banking organisation could assist organisations in retaining skilled and talented staff. The study should encourage practitioners to take cognisance of the fact that organisations are different and that the motivation and job satisfaction factors for employee retention need to be considered. / Public Administration and Management / D. Com. (Industrial and Organisational Psychology)

Avitourism (birding) in South Africa, with remarkable birdlife, provides economic, social and conservation opportunities. Globally, bird species are decreasing rapidly due to environmental degradation and climate change. The dependence of avitourism on natural resources is undisputable, urging further research. Avitourism research is embryonic compared to higher-order tourism markets (i.e. naturebased) and under-researched in the southern hemisphere. Despite increased international scholarship, substantial knowledge gaps remain regarding strategies to enhance sustainable avitourism. Education, encouraging changes in environmental behaviour, is essential to solve environmental problems. The current day learners influence the future state of the natural environment and consequently the sustainability of avitourism in South Africa. The research therefore aimed to develop a literacy model for sustainable avitourism aimed at secondary school learners in Gauteng (South Africa). In phase 1 of the methodological procedure, mechanisms facilitating behavioural change towards nature were explored. A conceptual literacy framework for sustainable avitourism was developed in phase 2 (theoretical contribution). Phase 3, consisted empirical research. Multi-stage sampling was used to collect primary data by distributing questionnaires at 17 purposively selected secondary schools in Gauteng from July to October 2014. The data were obtained from n = 5 488 secondary school learners (aged 13–17). Descriptive statistics provided insight into ‘environmental and avitourism literacy’ of the learners. Exploratory- and confirmatory factor analyses (EFA; CFA) and structural equation modelling (SEM) were employed to test the conceptual literacy framework. Obtaining the primary objective, a literacy model for sustainable avitourism was developed and confirmed (empirical contribution). Critical paths were identified in the model to enhance the likelihood of behavioural change. The literacy model could be useful for environmental education and avitourism roleplayers, assisting in curriculum development and evaluation (practical contribution). This model could also be applied to other educational contexts, including art and music. Bird education teaches a love for birds and nature, leading to conservation and sustained birdlife, to ensure avitourism attractions in the future. The development of sustainable avitourism intervention programmes is suggested for further research. Longitudinal research could evaluate the effects of the intervention programmes.Ultimately, the learners of today are the responsible citizens and tourists of tomorrow. / Abstract in English, Sesotho and Afrikaans / Transport, Logistics and Tourism / D.Phil. (Management Studies)