Thesis (MDF)--Stellenbosch University, 2008. / ENGLISH ABSTRACT: This study focuses on the factors that hinder the growth of the microfinance industry in
Namibia. The actual issues of the sector are not known as not much research has been
undertaken on it. However, it is possible to establish the constraints that limit the growth of
the microfinance environment in the country.
The study presents the identified limitations with associated solutions as experienced in
different countries and reported by various authors and academics. The desired situation
would be for the microfinance sector to operate effectively by serving the poor and
unemployed but economically active people. Although this is not the all encompassing
solution to the plight of the rural and urban poor, it is, however, the beginning at the attempt to
move out of poverty.
The questions that the respondents answered were designed specifically to clarify which
sector of the low income section of society that was accessing the loans available on the
market. This fact will enable policymakers to focus on resolving the hindrance that will
produce the most results than taking haphazard actions that bring minimal results. The
results could also be useful to microfinance providers in that they can use the information to
identify business opportunities for the diversification of the products they offer.
Finally, the constraints hindering the growth of microfinance such as the restrictive regulatory
environment for one are not unique to Namibia. Hence, the experience and solutions from
other countries are available for study. However, the local industry would have to initiate their
own solutions to match and meet local conditions. / AFRIKAANSE OPSOMMING: Hierdie studie fokus op die faktore wat die groei van mikrofinansies in Namibie belemmer. Die
werklike probleme is nie bekend nie omdat baie min navorsing nog in hierdie verband gedoen
is. Dit is egter wel moontlik om die beperkinge tot groei van die mikrofinansies industrie in
Namibie te bepaal.
Die studie bied 'n oorsig van bekende beperkinge en moontlike oplossings soos ervaar in
verskillende lande en soos gerapporteer deur verskeie outeurs en akademici. Die ideale
situasie sal wees dat die mikrofinansies sektor effektief funksioneer deur die armes en
werkloses, maar ekonomies aktiewe, gemeenskap te dien. Hoewel dit nie 'n alomvattende
oplossing bied vir die behoeftes van plattelandse en stedelike armes nie, is dit egter 'n poging
om hierdie mense uit armoede te lig.
Die vrae wat respondente moes antwoord het spesifiek gepoog am te bepaal watter sektor
van die samelewing die lenings wat beskikbaar is in die mark gebruik. Hierdie kennis sal
wetgewers in staat stel om te fokus op probleme wat die grootste struikelblokke is, eerder as
om lukraak probleme aan te spreek met minimale resultate. Die bevindinge mag ook van
belang wees vir mikrofinansies voorsieners wat die inligting kan gebruik om
besigheidsgeleenthede te identifiseer om sodoende hulle produk-reeks te diversifiseer.
Laastens, die beperkinge in die mikrofinansies sektor soos die beperkende regulatoriese
omgewing is nie uniek tot Namibie nie. Dus, die oplossings vanuit ander lande kan toegepas
word in Namibie. Die Namibiese industrie sal egter hulle eie oplossings moet vind om die
plaaslike omstandighede die hoof te bied.
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:sun/oai:scholar.sun.ac.za:10019.1/8442 |
| Date | 12 1900 |
| Creators | Saviye-Chirawu, Maureen |
| Contributors | Volschenk, Jako, Stellenbosch University. Faculty of Economic and 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 |
| Rights | Stellenbosch University |
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