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Relevant bibliographies by topics / Financial literacy – Africa / Dissertations / Theses

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Dissertations / Theses on the topic 'Financial literacy – Africa'

Author: Grafiati

Published: 30 June 2021

Last updated: 29 July 2025

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1

Snyman, Jan. "Effect of financial literacy on financial outcomes in South Africa." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/97295.

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Thesis (MDF)--Stellenbosch University, 2014.<br>ENGLISH ABSTRACT: This research assignment measures the relative odds of certain savings and debt related outcomes based on various domains of financial literacy, I.E. financial control, financial product choice and financial knowledge/understanding? It also measures the relative odds of certain savings and debt related outcomes based on individual elements of each of these domains. Finally it measures the significance in which overall financial literacy, as a product of the various domains, affect the odds of certain financial outcomes relative

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2

Kamanga, Tayina. "The role of financial literacy in financial inclusion in emerging markets: evidence from South Africa." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29086.

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Despite all the efforts and initiatives put in place by governments and development finance institutions to improve financial inclusion, two billion people in the world remain unbanked. The majority of the unbanked population is in the developing countries and mostly in the Sub-Saharan region. This is of huge concern to many governments and their international development partners because it hinders inclusive economic growth. It is argued that consumers can only use products and /or services if they have enough knowledge about these. According to the 2014 World Bank Global Findex database, onl

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3

Nanziri, Lwanga Elizabeth. "Financial literacy, use of finance and welfare in post-apartheid South Africa." Doctoral thesis, University of Cape Town, 2016. http://hdl.handle.net/11427/20711.

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Black South Africans historically experienced discrimination with regard to access to basic rights, including the right to financial services. This culminated in the marginalisation of economic activities for large parts of the population, and subsequent economic inequality among the population. Guided by the proposition that access to formal finance improves welfare, the post-Apartheid government embarked on an aggressive programme to rectify this situation. The Usury Act of 1968 was repealed and the Financial Sector Charter was instituted in 2003. These reforms aimed to increase access to fi

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4

Khalo, Xolani. "Analysis of grade 10 mathematical literacy students’ errors in financial mathematics." Thesis, University of Fort Hare, 2014. http://hdl.handle.net/10353/1369.

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The main aim of the study was (1) to identify errors committed by learners in financial mathematics and (2) to understand why learners continue to make such errors so that mechanisms to avoid such errors could be devised. The following has been hypothesised; (1) errors committed by learners are not impact upon by language difficulties, (2) errors committed by learners in financial mathematics are not due to prerequisite skills, facts and concepts, (3) errors committed by learners in financial mathematics are not due to the application of irrelevant rules and strategies. Having used Polya’s pro

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5

Van, Nieuwenhuyzen Bernard J. "Financial literacy as core competency of South African military officers : a measurement instrument." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/1087.

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Thesis (PhD (School of Public Management and Planning ))—University of Stellenbosch, 2009.<br>ENGLISH ABSTRACT: Since 1994, education and training in South Africa has experienced various changes, driven mainly by the Green Paper on Skills Development and the White Paper on Education which set objectives and outcomes and gave guidelines on how education and training should be approached, planned, and managed. The White Paper on Education necessitated change in SA tertiary institutions such as Stellenbosch University and its respective faculties. The Faculty of Military Science, which i

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6

Van, Deventer Marko. "Black Generation Y students' knowledge of and attitudes towards personal financial management / Marko van Deventer." Thesis, North-West University, 2013. http://hdl.handle.net/10394/10616.

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The effective and efficient management of personal finances is critical for everyone, particularly in a world where uncertainties prevail. Owing to continuous change, new financial challenges frequently confront individuals that culminate ultimately in uncertainties concerning individuals’ financial position and future. Having low levels of debt, an active savings and retirement plan, as well as following an expenditure plan, will lead to financial wellness, which demonstrates an active state of financial wealth. A comprehensive financial plan makes individuals attentive when dealing with fina

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7

Musie, Luambo. "The use of financial literacy concepts by entrepreneurs in the small and medium enterprise sector in Mpumalanga Province, South Africa." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/52268.

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Financial literacy is one of the key factors that impact on the success of small and medium enterprises (SMEs) globally. The low levels of financial literacy of entrepreneurs influence the SMEs ability to grow and achieve sustainable results. The objective of this study is to understand the extent to which entrepreneurs in the SME sector pursue the financial literacy concepts, namely, budgeting, investing and borrowing in managing their business finances. The study also aims to establish the relationship between the use of financial literacy concepts and the performance of the SMEs. This stud

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8

Lindahl, Pontus, and Linda Mokvist. "ACCESSING MICROFINANCE THROUGH FINANCIAL LITERACY : A Case Study of Hand in Hand Eastern Africa’s Operations in Kenya." Thesis, Umeå universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-172599.

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In 2015, United Nations implemented seventeen Sustainable Development Goals along with 169 sub-targets with the ambition to transform the world through achieving sustainable development and, hence annihilate poverty. In light of the foregoing, both authoritative and non-governmental entities accentuated the significance of ‘financial inclusion’ which, in turn, has developed into an evangelical advocacy reminiscent of the extensive publicity that microfinance received at the end of last century which, in turn, has led to an unprecedented passion among philanthrocapitalists, transnational corpor

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9

Amoah, Robert A. "Assessing the Level and Impact of Financial Literacy on African Americans." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2307.

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Individuals are faced with making important economic decisions regarding retirement, savings, investing, and insurance. Across the globe, developed and emerging economies are experiencing growth in the sophistication of financial markets and products. Individuals require a greater degree of financial literacy to understand and explore these sophisticated and emerging financial markets and products. A review of literature revealed African Americans, however, lack the decision-making tools to function in the financial world. The purpose of this study was to assess the extent to which African Ame

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10

Matemane, Matwale Reon. "The relationship between financial literacy and saving habits : an analysis of black South Africans with a commercial tertiary education." Diss., University of Pretoria, 2016. http://hdl.handle.net/2263/60723.

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Financial literacy has been identified in previous studies as an area that has not been researched extensively in South Africa. This is particularly true for Black South Africans who have been previously disadvantaged and excluded from the mainstream economy and financial services in the apartheid regime. Lower savings and over-indebtedness amongst this group can be attributable to the lower financial literacy levels emanating from the inequalities of the past. This study aims to assess the financial literacy of Black South Africans with a commercial tertiary qualification working in Pretoria

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11

Peterson, Denis Desmond. "An analysis of financial literacy in the target market of a state–owned bank / Peterson D.D." Thesis, North-West University, 2011. http://hdl.handle.net/10394/8167.

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The South African Postbank Limited has been tasked by Government with a social mandate to provide basic financial services to people receiving low income and people living in rural areas. Personal financial literacy is an essential element which affects financial inclusion in the target market of a state–owned bank. To achieve the bank?s social mandate and its objective, it would be vital to determine whether people in low income and rural demographics are financially literate. Financial literacy is defined as the ability to manage your money on a day–to–day basis, do future financial planning

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12

Andre, Nontobeko Nomfundo. "The impact of financial inclusion on economic growth: the case of selected African counties." Thesis, 2019. https://hdl.handle.net/10539/29815.

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A Research Report submitted in fulfillment of the Degree of Master of Commerce (Economics/Economic Science) in the School of Economic and Business Sciences, University of the Witwatersrand, 27 September 2019<br>This study uses a panel data estimation approach to estimate the relationship between financial inclusion and economic growth using the case of 34 countries in Sub-Saharan Africa. The study uses panel data sourced from the World Bank which include the Global Financial Index survey and World Development Indicators covering the periods of 2011, 2014 and 2017. The study analysis is based

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13

Changwesha, Memory. "The relationship between financial literacy and financial access among SMEs in the Ekurhuleni Metropolitan Municipality, South Africa." Diss., 2019. http://hdl.handle.net/10500/26381.

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Financial literacy continues to be a significant factor affecting small and medium enterprises (SMEs) in their ability to access finance worldwide. Both new and existing SMEs rely on external financing to grow and expand operations. However, financial literacy remains low among entrepreneurs, resulting in restricted access to finance which leads and contributes to the high failure rate of SMEs. The objective of the study is to determine whether a relationship exists between financial literacy and financial access among SMEs. This study followed a descriptive and quantitative research design.

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14

Malaza, Jabulile Eugenia. "The link between financial literacy and level of debt : a study of junior performance bank employees." Diss., 2017. http://hdl.handle.net/10500/23151.

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This study assessed the link between financial literacy and levels of debt among junior permanent bank employees. Based on the mixed purposive and simple random sampling approach, a structured questionnaire was used to collect primary data from a sample of 275 junior permanent bank employee participants. Frequencies, descriptive statistics and binary logistic regression techniques were applied to analyse data using the SPSS 23 statistical package. The Cronbach’s alpha criterion and Keiser-Meyer-Olkin measure of sampling adequacy results indicate that the research instrument’s items were statis

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15

Ndou, Adam Aifheli. "An analysis of personal financial literacy among adults in Vhembe District Municipality." Diss., 2016. http://hdl.handle.net/10500/22835.

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Until recently, personal financial management has become increasingly important for consumers as in the past. Literature indicates that consumers in rural and low-income areas are the most financially vulnerable and depends mostly on unsecured loans to finance their daily expenses. The primary objective of this study was to evaluate the level of financial literacy among adults in Vhembe District Municipality in Limpopo, South Africa. The results indicate that the level of financial literacy among adults in Vhembe District Municipality is low (38.73%). The low levels of financial literacy have

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16

Mudzanani, Ronewa Victor. "Analysis of Financial Literacy amongst University of Students: A Case Study of the University of Venda." Diss., 2017. http://hdl.handle.net/11602/1074.

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MCom (Economics)<br>Department of Economics<br>This study assesses the level of financial literacy and its impact on financial decision making exercised by the tertiary students in South Africa, using the University of Venda (Univen) as a case study. The study does this in three steps. First, it provides the financial literacy levels of students at Univen assessed through an evaluation score that the sampled students responded to. Second, it analyses the relationship between the demographic and socio-economic characteristics of students and their financial literacy levels. Third, it asses

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17

Bargate, Karen. "Managerial accounting and financial management students' experiences of learning in a writing intensive tutorial programme." Thesis, 2012. http://hdl.handle.net/10413/9345.

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Managerial and Financial Management (MAF) has traditionally been perceived by students as a difficult subject. Students do not fully grasp the underlying disciplinary concepts and struggle to transfer knowledge from one context to another. There is a dearth of research, particularly in South Africa, into how students learn in accounting programmes. This study sought to explore MAF students’ experiences of learning in a Writing Intensive Tutorial (WIT) programme at the University of KwaZulu-Natal. The WIT programme is based on the principle of using informal exploratory writing, writing-t

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18

Moaisi, Lesolobe Patrick. "Consumer debt level of the Department of Health public servants in Mahikeng." Diss., 2014. http://hdl.handle.net/10500/13387.

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Studies as described in the literature review indicate that most South Africans are highly in debt. The South African Reserve Bank’s quarterly bulletin is one of the prominent barometers for measuring household debt in the country and over the last five years has been indicating a steady decline but still very high household debt among South Africans. Studies have also shown that this relates to poor financial literacy and consumer ignorance in applying basic financial management practices. This is discussed in Chapter two of the study. The aim of the study was to determine the consumer

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19

Perlman, Leon Joseph. "Legal and regulatory aspects of mobile financial services." Thesis, 2012. http://hdl.handle.net/10500/13362.

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The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘bran

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20

Wingfield, Beverly Jane. "The relationship between demographic factors and financial literacy among students at a South African university." Diss., 2016. http://hdl.handle.net/2263/53012.

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In recent times, financial literacy has become increasingly important. This is true for a number of reasons including the increased number and complexity of financial products available to the consumer. The problem however is that people around the world appear to have low levels of financial literacy. Furthermore, existing research finds a number of variables to be associated with financial literacy however the results are contradictory. Thus, the objective of this study was to assess financial literacy levels of South African

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21

Symanowitz, Colette Delene. "The relationship between financial literacy, economic measures and delayed gratification in South African high school learners." Diss., 2007. http://hdl.handle.net/2263/23689.

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This study’s primary aim was to quantitatively measure financial literacy levels in South African (SA) high school learners, an exercise which had not been done before. Differences in literacy levels were identified for different demographic and psychographic profiles and between four categories (General Finance Knowledge, Saving, Spending, and Debt). Another aim was to compare SA and US financial literacy levels, based on the 2006 Jump$tart Coalition’s Personal Financial Survey of High School Seniors. Finally, the study aimed to determine if financial literacy and the ability to delay gratifi

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