Thesis (MPA)--Stellenbosch University, 2014. / ENGLISH ABSTRACT: The need for sustainable human settlements, particularly for the poor, is crucial in South
Africa (SA). This is because of the apartheid spatial constructs that segregated the black
population groups from white minority and denied them equal access to economic
opportunities, housing, as well as basic and social services (Smeddle-Thompson, 2012).
Many South Africans remain without basic services in the many informal settlements. Even
those who have jobs and a consistent salary find it difficult to sustain a decent quality of life,
as they fall outside of the subsidy bracket but at the same time are unable to afford and access
the mortgage products available from commercial banks (Department of Human Settlement,
2009). Consequently, the South African government is faced with the task of developing
sustainable human settlements and improving quality of household life. For this reason, many
initiatives such as legislative frameworks, policies and programmes to drive housing delivery
have been established since 1994 and millions of rands have been used to implement such
initiatives. However, housing delivery remains a challenge. Thus, the researcher sought to
investigate the viability of rural housing finance in creating sustainable human settlement in
rural areas, with special focus on Moletlane Village as a case study. Like many rural areas in
SA, Moletlane village is still faced with a challenge of housing delivery.
This study was conducted within the interpretive qualitative paradigm. Techniques to collect
data focused on questionnaires and interviews for validity purposes and to counter
subjectivity. For the survey, 100 participants were purposefully selected based on their
knowledge and their expertise in rural housing finance. The survey was followed by in-depth
interviews with key personnel of Moletlane Village and a few ordinary community members
to verify and complete some answers. The researcher used data collected to draw findings
and made recommendations. The foremost findings revealed that rural housing finance plays a major role in rural
development as it provides people with the opportunity of improving their houses and rescues
them from living in substandard conditions. The overall sentiments from the respondents are
that rural housing finance has led to an increase in the economic activity and job creation
which is a solid foundation for the creation of sustainable human settlements. This study has established a link between rural housing finance and rural development. It is
clear from the findings that participants believe in rural housing finance and value it. They
see it as a good strategy to liberate their lives and of realising sustainable human settlement.
However, they all acknowledged that institutions that provide housing finance are not doing
much to assist rural households and that there is a gap in as far as rural housing finance is
concerned. Almost all of them indicated their wish to see rural housing finance across the
country. Moreover, they are of the opinion that a paradigm shift is required to tackle the rural
housing finance shortfall. Hence, the study present to policy makers and government a set of
recommendations discussed in full in chapter 6. / AFRIKAANSE OPSOMMING: Volhoubare menslike nedersettings veral vir die armes, is van deurslaggewende belang in
Suid-Afrika. Dit is as gevolg die ruimtelike afbakenings van apartheid dat die swart
bevolkingsgroepe van die wit minderheid gesegregeer is en hulle gelyke toegang tot
ekonomiese geleenthede, behuising, asook basiese en maatskaplike dienste ontneem is
(Smeddle-Thompson, 2012). Die meeste huishoudings kan nie bekostig om in ordentlike
huise te woon of bekostig om goedgeleë grond te besit nie. Gevolglik staar die taak van
behuisingsverskaffing die regering in die gesig. Vele wetgewende raamwerke, beleide en
programme om aan behuisingsverskaffing te voldoen, is sedert 1994 in die lewe geroep.
Miljoene rand is gebruik om behuisingverskaffing te implementeer, tog bly
behuisingsverskaffing ’n uitdaging. Hierdie navorsing ondersoek die haalbaarheid van
landelike behuisingsfinansiering deur volhoubare menslike nedersettings in landelike gebiede
te skep, met spesiale fokus op Moletlane Village as ’n gevalle-studie.
Hierdie studie is ’n gevalle-studie wat binne die interpretatiewe kwalitatiewe paradigma
uitgevoer is. Tegnieke wat gebruik is om data in te samel het op vraelyste en onderhoude
gefokus vir die doel van geldigheid en om subjektiwiteit teen te werk. Vir die opname is 100
deelnemers doelbewus gekies, gebaseer op hulle kennis en sommiges vanweë hulle
kundigheid in landelike behuisingsfinansiering. Die opname is gevolg deur deurdringende
onderhoude met sleutelpersoneel van Moletlane Village en ’n paar gewone gemeenskapslede
te voer om sommige antwoorde te kontroleer en te voltooi. Data wat ingesamel is, is gebruik
vir bevindinge en om voorstelle te maak. Bevindinge het openbaar dat daar ’n groot aanvraag vir landelike behuisingsfinansiering is.
Dit speel ’n belangrike rol in landelike ontwikkeling, want dit plaas landelike mense op
dieselfde vlak as diegene in townships en voorstede. Dit maak dit moontlik vir landelike
mense om kwaliteit behuising met spoeltoilette, lopende water, warmwatersilinders, sanitasie
en ander geriewe te hê wat as vreemd vir landelike gebiede voorkom. Die algehele
sentimente van die respondente is dat landelike behuisingsfinansiering tot ’n toename in
ekonomiese aktiwiteit en werkverskaffing gelei het, wat as ’n vaste grondslag dien vir die
skepping van volhoubare menslike nedersettings. Oor die algemeen het landelike behuising
lewens verander, mense van die vernedering gespaar wat onder gesubstandaardiseerde
omstandighede lewe en sodoende die waardigheid van die mense herstel. Dit word bewys dat instellings wat behuisingsfinansiering verskaf, nie veel doen om
landelike huishoudings te help nie, maar indien hulle hul daartoe verbind, kan hulle die
behuisingsfinansiële mark uitbrei. Deur hierdie navorsing, is ’n skakel tussen landelike
behuisingsfinansiering en landelike ontwikkeling teweeggebring. As gevolg hiervan, is ’n
aantal aanbevelings in hierdie studie gemaak wat breedvoerig in hoofstuk 6 bespreek word.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/86571 |
| Date | 04 1900 |
| Creators | Mthethwa, Zamukuhle William |
| Contributors | Lange, Junay, Stellenbosch University. Faculty of Economic and Management Sciences. School of Public Leadership. |
| Publisher | Stellenbosch : Stellenbosch University |
| Source Sets | South African National ETD Portal |
| Language | en_ZA |
| Detected Language | English |
| Type | Thesis |
| Format | xi, 110 p. |
| Rights | Stellenbosch University |
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