Thesis (MBA)--Stellenbosch University, 2002. / ENGLISH ABSTRACT: The efficiency and availability of financial services for the poor is a global problem,
and has only recently started to enjoy attention in South Africa. This dissertation aims
to study the problems experienced by the South African microfinance industry, which
includes a vast range of financial products. The survey conducted of the South
African industry indicates that its makeup is significantly different from the industries
in Latin America and Asia.
The problems in the industry are prioritised and show the high cost structure to be the
most pressing issue. A number of these issues show agreement as expressed by
Spearman rank correlation coefficients.
Clear trends exist between distinct market-segments in the industry. Tests for
differences in location of specific populations indicate significant differences in
perceptions regarding these segments.
The government's recent suggestion to unify the financial service regulators into a
mega-regulator is based on the assumption that the microcredit and commercial
credit industries share the same priorities and problems. The very low Spearman
rank correlation coefficient found in this study, on the other hand, seems to indicate
that no reason exists to assume the priorities are the same at the two levels.
Finally, it is shown by means of a "best practice matrix", that solutions to most
problems can be found, but that the fit is dependent on a large number of variables. / AFRIKAANSE OPSOMMING: Die beskikbaarheid van finansiële dienste vir armes is 'n wêreldwye probleem, en het
eers onlangs meer aandag in Suid Afrika begin geniet. Hierdie studie fokus op die
probleme wat ervaar word in die mikrokrediet (mikrolenings) industrie. Die opname
toon dat die Suid-Afrikaanse industrie beduidend verskil in samestelling van die
ooreenstemmende industrieë in Suid-Amerika en Asië.
Die probleme in die industrie is geprioritiseer en toon dat die hoë koste-struktuur die
grootste probleem is. Sekere kwelpunte toon ooreenstemming, uitgedruk by wyse
van Spearman se rangkorrelasie-koëffesiënt.
Duidelike tendense bestaan tussen onderskeie mark-segmente in die industrie.
Toetse vir ooreenstemming in die ligging van sekere populasies toon beduidende
verskille in persepsies rakende hierdie segmente.
Die regering se onlangse voorstel om die beheer-liggame van finansiële dienste
saam te snoer in een liggaam is gebaseer op die aanname dat die mikrokrediet en
kommersiële krediet industrië dieselfde probleme en prioriteite deel. Die baie lae
Spearman rangkorrelasie-koëffisiënt impliseer egter dat daar geen grondige rede
bestaan om aan te neem dat die prioriteite dieselfde is vir die twee vlakke nie.
Laastens word beste praktyke aangedui in die vorm van 'n "beste praktyk matriks".
Oplossings vir byna alle probleme kan gevind word, maar die toepaslikheid is
afhanklik van 'n wye verskeidenheid veranderlikes.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/53021 |
| Date | 12 1900 |
| Creators | Volschenk, Jako |
| Contributors | Biekpe, N., Stellenbosch University. Faculty of Economic & Management Sciences. Graduate School of Business. |
| Publisher | Stellenbosch : Stellenbosch University |
| Source Sets | South African National ETD Portal |
| Language | en_ZA |
| Detected Language | English |
| Type | Thesis |
| Format | 83 p. |
| Rights | Stellenbosch University |
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