Research report, presented to the SBL, Unisa, Midrand / In the midst of a global recession, this study explored whether the act of obtaining motor vehicle finance has become more onerous since the implementation of the National Credit Act, 2005, (NCA), and to determine which variables are contributing to the phenomenon of declining motor finance figures. A quantitative research methodology was applied whereby a portion of the analysis was based on historical motor finance application data attained from a medium sized motor finance institution. Another portion considered survey data obtained from 152 South African consumers and 42 Credit Analysts collected by way of self administered questionnaires. Various statistical tools, including Independent Sample t-Tests and Pearson product-moment correlation tests were applied to the data. The results of the study indicate that the act of obtaining motor finance has indeed become more complex since the inception of the NCA. Of the variables tested, motor vehicle retail prices and general living costs were identified as the main impediments limiting the amount of motor finance granted in the South African motor finance sector.

Research report, presented to the SBL, Unisa, Midrand / In the midst of a global recession, this study explored whether the act of obtaining motor vehicle finance has become more onerous since the implementation of the National Credit Act, 2005, (NCA), and to determine which variables are contributing to the phenomenon of declining motor finance figures. A quantitative research methodology was applied whereby a portion of the analysis was based on historical motor finance application data attained from a medium sized motor finance institution. Another portion considered survey data obtained from 152 South African consumers and 42 Credit Analysts collected by way of self administered questionnaires. Various statistical tools, including Independent Sample t-Tests and Pearson product-moment correlation tests were applied to the data. The results of the study indicate that the act of obtaining motor finance has indeed become more complex since the inception of the NCA. Of the variables tested, motor vehicle retail prices and general living costs were identified as the main impediments limiting the amount of motor finance granted in the South African motor finance sector.

CoordenaÃÃo de AperfeÃoamento de Pessoal de NÃvel Superior / A matemÃtica financeira à um ramo da matemÃtica que muito cresceu nas Ãltimas dÃcadas devido ao aumento de consumo do povo, e que muito pouco se sabe, pois, ainda nÃo à estudada de forma correta nos nÃveis do ensino fundamental, mÃdio, tÃcnico e tecnolÃgico. Os conteÃdos de MatemÃtica Comercial e Financeira sÃo um significativo vetor de promoÃÃo da cidadania e de entendimento do mundo econÃmico e financeiro. Esses conhecimentos podem ser trabalhados no contexto das salas de aula levando-se em conta a evoluÃÃo histÃrica dessa Ãrea da matemÃtica, visando o posicionamento pessoal nas questÃes de finanÃas e um referencial no tempo das operaÃÃes matemÃticas. O objetivo dessa dissertaÃÃo à mostrar como à feito o financiamento de veÃculos e objetos de forma geral, tentando alertar as pessoas na hora de financiar um bem, sobre as taxas cobradas de forma ilegal e abusiva. Faremos uma introduÃÃo sobre a histÃria da matemÃtica financeira, depois faremos um comentÃrio sobre juros compostos para que possamos entender melhor como se calcular o valor das prestaÃÃes em vÃrios tipos de financiamentos. Por fim mostrarei o absurdo que à cobrado das pessoas na hora de financiar um bem e assim poder exigir melhores prestaÃÃes. / Financial mathematics is the branch of mathematics that have grown in recent decades due to increased consumption of the people, and that very little is known,it is still not properly studied the levels of primary, secondary, technical and technological. The contents of commercial and financial mathematics are a significant factor of promotion of citizenship and understanding of the economic and financial world. This knowledge can be worked out in the context of the classroom taking into account the historical evolution of this area of mathematics, targeting the personal position on issues of finance and a reference time of mathematical operations. The objective of this dissertation is to show how is the funding vehicle and objects in general, trying to âopen the eyesâ of peopleâs time to fund a well, on charges of unlawful and abusive manner. We will make an introduction on the history of financial mathematics, then we will make a comment about compound interest so that we can better understand how to calculate the value of benefits in various types of financing . Finally show how absurd it is charged at the time of the people to fund a well and thus be able to âfightâ for better benefits.