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Dissertations / Theses on the topic 'Import credit - South Africa'

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Published: 4 June 2021

Last updated: 1 February 2022

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1

Naidoo, Jeremy. "The impact of credit types on household savings levels in South Africa." Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/30482.

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Despite robust economic growth in post-apartheid South Africa, we have consistently seen high unemployment and severe income inequality amongst its people. Arguably this has resulted in a culture of dependence on consumer credit; consumers are spending future income by using credit. This could result in a decrease in household savings levels amongst ordinary South Africans. Many studies have referred to an increase in consumer credit to supplement people’s income support or to offset low wages. This has a major impact on consumers who then find themselves over-indebted due to economic shocks a

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2

Ntoampe-, Mahlelebe Tsaliko. "The impact of the National Credit Act (NCA) on the profitability of housing microfinance lenders in South Africa." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/80647.

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Thesis (MDF)--Stellenbosch University, 2008.<br>ENGLISH ABSTRACT: High interest rates on credit products in South Africa are not unusual. This would be beneficial to the South African consumers if the cost of incurring these credit products was lower than the benefit derived from incurring them .This is unfortunately not the case to the majority of the South African population. The unlikelihood of this situation is a direct result of the lack of access to appropriate savings and insurance products to a large number of South Africans. Most South Africans use credit, in the form of microlo

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3

Machirori, Tafadzwa Leroy. "The impact of networking on access to finance and performance of SMES in Buffalo City Municipality, Eastern Cape, South Africa." Thesis, University of Fort Hare, 2012. http://hdl.handle.net/10353/521.

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This study investigates the impact of networking on access to finance and performance of small and medium enterprises (SMEs) in the Buffalo City Municipality in the Eastern Cape Province of South Africa. The objectives of this study are to examine (1) whether entrepreneurial characteristics of the SME owner and the firm characteristics of the SME are related to networking by SMEs, (2) whether networking is related to access to bank loans and trade credit by SMEs, (3) whether networking is related to the performance of SMEs and (4) whether access to debt finance by SMEs mediates the relationshi

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4

Widdop, James Stuart Hailstones. "Credit extension in South Africa: an analysis of the impact of interest rates and income levels on the level of household debt." Thesis, Rhodes University, 2017. http://hdl.handle.net/10962/4988.

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The recent growth in the unsecured lending market and the bankruptcy of African Bank Investments Limited have brought to light concerns regarding credit extension and the level of household indebtedness in South Africa. This study seeks to investigate the relevant aspects of credit extension in both the secured and unsecured lending markets by firstly analysing contemporary literature and then conducting a more formal empirical analysis. A VAR model is estimated to examine the effects household disposable income and interest rates have on the level of household debt in South Africa for the per

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5

Makhuvha, Nkhumeleni Walter. "An investigation of the impact of support services in land restitution with reference to Masakona community in Makhado municipality, Limpopo Province." Thesis, University of Limpopo (Turfloop Campus), 2012. http://hdl.handle.net/10386/703.

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Thesis (M.DEV.) --University of Limpopo, 2012.<br>This research presents a study to investigate impact of support services rendered to land restitution claim settlement, with a focus on Masakona community in Makhado municipality in Limpopo Province There is encouraging evidence from a number of studies, however that the period after land settlement or restitution is the most critical because the success of land reform is not only measured by the number of hectors restitution, but by the support services rendered to those restituted projects. However, in this study, indicators were developed

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6

Chadwick, Warren. "A study of the New Basel Capital Accord and its impact on South Africa and other emerging markets." Thesis, Stellenbosch : Stellenbosch University, 2002. http://hdl.handle.net/10019.1/52710.

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Thesis (MBA)--Stellenbosch University, 2002.<br>ENGLISH ABSTRACT: The new Basel Capital Accord is intended to align capital adequacy of banks more closely with the key components of banking risk and to provide incentives for banks to improve their risk measurement and management capabilities. This has important implications for banks, particularly in the area of credit risk management. The purpose of this study is to take an in-depth look at the implications for banks in the area of credit risk management and the choice of approach (i.e. standardised versus internal ratings based approac

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7

Mbayi, Willy Bashiya. "Analysis of credit expansion in South Africa." Master's thesis, University of Cape Town, 2008. http://hdl.handle.net/11427/10675.

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Includes bibliographical references (leaves 71-74).<br>Developments in South Africa over the past few years clearly testify to the strong relationships between economic growth and credit expansion. The paper analyses the factors driving credit growth in South Africa. It shows the strong income effect on the credit level in South Africa while the changes in interest rates do negatively affect home loans but have less effect on other components of bank credit to the private sector. This paper concludes that the interest rates policy must be combined with other tools of monetary and financial pol

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8

Serame, Molobeng. "Factors Influencing SMEs’ Access to Finance in South Africa." Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/30479.

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Policymakers and scholars universally accept and recognise the influence of small, macro, and medium enterprises (SMMEs) on stimulating economic growth and job creation. South Africa in particular, has the challenge of a high unemployment rate, particularly among the youth, coupled with high inequality levels and stagnant economic growth over the recent years. These challenges have made the role of SMMEs even more important in South Africa. Despite the known importance of the influence of SMEs on the economy and the government initiatives to grow SMEs, SMEs continue to face challenges of acces

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9

Baiyegunhi, Lloyd-James Segun. "Access to credit and the effect of credit constraints on household welfare in the Eastern Cape province, South Africa." Thesis, University of Fort Hare, 2009. http://hdl.handle.net/10353/d1000977.

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In recent years, concern about food safety linked to health issues has seen a rise in private food safety standards in addition to the regulations set by the Food and Agriculture Organisation (FAO) in collaboration with the World Health Organisation (WHO). These have presented challenges to producers and exporters of agricultural food products especially the producers of fresh fruits and vegetables. In spite of the food safety-linked challenges from the demand side, the vast range of business-environment forces pose equally formidable challenges that negatively impact on the exporting industri

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10

Horn, Susara Jacoba. "The municipal credit market in South Africa / S.J. Horn." Thesis, North-West University, 2003. http://hdl.handle.net/10394/329.

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South African municipalities today face enormous challenges. They are faced with severe infrastructure backlogs, increased service provision and deteriorating municipal finance. These services, which include water, sanitation, electricity and waste disposal are essential to the basic needs of all citizens in South Africa, and contribute greatly to local economic development. Municipalities lack the necessary revenue to supply these essential services, or the necessary infrastructure to support these services. Because of this, and in order not to cause further deterioration of municipal service

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11

Peters, Marc. "Development of a project plan to enhance the import process for Clear Blue International." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/14910.

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Thesis (MBA)--Stellenbosch University, 2008.<br>ENGLISH ABSTRACT: Clear Blue International (pty) Ltd (CBI) is a swimming pool construction company that is in need of a high performance swimming pool pump in order to offer a competitive tender for the construction of an intricate swimming pool at a prestigious resort. There is one supplier of this particular pump in South Africa and due to their sole distributorship and the pump's technical specifications, it is sold at a very expensive price. The result being that CBI can't offer a competitive tender by this means, instead they need to s

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12

Dlamini, Samuel Nkosinathi. "Bank credit extension to the private sector and inflation in South Africa." Thesis, Rhodes University, 2009. http://hdl.handle.net/10962/d1002693.

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This study investigates the contribution of bank credit extension to the private sector to inflation in South Africa, covering the period 1970:1-2006:4. The long-run impact of bank credit on inflation is investigated by means of the Johansen co integration model. The short-run ynamics of the inflation is subsequently modelled by means of the Vector Error Correction Model (VECM). Using the Johansen methodology, the study identifies two co integrating equations linking inflation and its eterminants. The results suggest that the long-run relationship between inflation and bank credit to the priva

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13

Campbell, Jonathan. "The cost of credit in the micro-finance industry in South Africa." Thesis, Rhodes University, 2007. http://hdl.handle.net/10962/d1003182.

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This thesis analyses the cost of credit in the micro-finance industry in South Africa. The study situates micro-lending agreements within the law of contract, beginning with an examination of contractual fairness in terms of the common law: the fundamental principle of freedom of contract that underpins the common law of contract; the principle that agreements contrary to public policy should not be enforced; and the impetus given by constitutional values that inform public policy. In regard to moneylending transactions, common law usury law will be explained. The study then goes on to trace t

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14

Hoosain, Aadila. "Relationship between consumer credit and consumption spending in South Africa." Diss., University of Pretoria, 2012. http://hdl.handle.net/2263/30603.

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This paper verifies the positive relationship between consumer credit and the four categories of consumption spending in South Africa. The study utilised data sourced from the South African Reserve Bank for the period 1975-2011. The study was conducted via regression analysis to determine the relationship between the dependent and independent variables. A significant positive relationship was found between the independent variable household debt and the four categories of consumption. The results are statistically significant for non-durable and durable goods and although significant for servi

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15

De, Wet Albertus Hendrik. "A macroeconometric framework for credit portfolio modelling in South Africa." Thesis, University of Pretoria, 2009. http://hdl.handle.net/2263/30363.

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Driven by intense competition for market share, banks across the globe have allowed credit portfolios to become less diversified (across all dimensions  country, industry, sector and size) and have become willing to accept lesser quality assets on their books. As a result, even well capitalised banks could come under severe solvency pressure when global economic conditions turn. The banking industry has realised the need for more sophisticated loan origination and credit and capital management practices. To this end the reforms introduced by the Bank of International Settlement through the Ne

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16

Reinke, Jens. "Group solidarity and transaction costs : micro-credit in South Africa." Thesis, London School of Economics and Political Science (University of London), 1998. http://etheses.lse.ac.uk/2242/.

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This thesis analyses alternative models for the provision of micro-credit, with a particular focus on the role of solidarity. It produces a critique of the lending model developed by the Grameen Bank and copied in many parts of the world. The critique focuses on the claim that such schemes are well suited for delivering micro-credit in a sustainable, ie self-financing manner. I argue group solidarity is not an essential component of successful micro-credit schemes, and that lending to individuals can be at least as efficient. I argue that solidarity groups do not perform economic exchange on t

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17

Lehobo, Limakatso. "Monetary policy transmission in South Africa: the prime rate-demand for credit phase." Thesis, Rhodes University, 2006. http://hdl.handle.net/10962/d1020850.

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A voluminous literature attempts to explain the various channels of the monetary policy transmission mechanism through which central banks ultimately achieve price stability. However, most research focuses on interest rate pass-through and the demand for money phase, while there is limited research on the demand for credit. This study endeavours to contribute to the understanding of this neglected phase of monetary policy transmission by exploring the response of the real demand for bank credit by the private sector to changes in the real prime rate from 1990:1 to 2004:4 in South Africa. First

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18

Brits, Reghard. "Mortgage foreclosure under the constitution : property, housing and the National Credit Act." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/71814.

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Thesis (LLD)--Stellenbosch University, 2012.<br>Includes bibliography<br>ENGLISH ABSTRACT: The forced transfer of immovable property to enforce judgment debts by way of sale in execution has constitutional implications. Firstly, if the property is residential, section 26 of the Constitution (the housing clause) raises the question whether the current legal framework takes sufficient account of the imperative to respect people‟s access to adequate housing. Read with section 36 (the limitation clause), the requirement is that someone‟s home may only be violated if the result is proportionate bas

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19

Luttig, Helmuth Hartwig. "An evaluation of the South African National Credit Act and the implications for credit users." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/6401.

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Thesis (MBA (Business Management))--University of Stellenbosch, 2010.<br>ENGLISH ABSTRACT: The National Credit Act came into being on the 1st of June 2007 and besides its other objectives was intended to make credit more accessible to all South Africans, to stop unreasonable practices by lenders and to protect consumers against reckless lending. This research study investigates the credit environment for the period since the implementation of the Act up to the fourth quarter of 2009 to determine whether South African credit users are indeed better off or whether we are heading for a credi

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20

Sebitso, Nathaniel Maemu. "Monetary policy transmission in South Africa: a comparative analysis of credit and exchange rate channels." Thesis, Rhodes University, 2011. http://hdl.handle.net/10962/d1020851.

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This thesis focuses on monetary policy transmission and particularly seeks to examine the impact of credit and exchange rate channels of monetary policy transmission in the South African economy. South Africa's monetary policy has gone through several changes over the past thirty years. In this respect, there is a need for robust empirical evidence on the effects of these channels on inflation and output. The thesis employs a structural vector autoregressive (SVAR) model to identify monetary transmission in South Africa for the period 1994:q4 - 2008:q2. The form of the SVAR used in this thesis

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21

George, Romy Leigh. "A critical investigation and performance management in the import and export industry in Cape Town, South Africa." Cape Peninsula University of Technology, 2014. http://hdl.handle.net/20.500.11838/1757.

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Thesis submitted in fulfilment of the requirements for the degree DOCTOR TECHNOLOGIAE Human Resource Management CAPE PENINSULA UNIVERSITY OF TECHNOLOGY 2014<br>This study sought to gain a better understanding of the recruitment and performance management functions in the import and export industry in Cape Town, South Africa. While many studies have been conducted on recruitment and performance management, there is a paucity of research on these two functions within the industry. Recruitment and performance management are vital human capital and human resource (HR) functions that play a crucial

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22

Ssebagala, Ralph A. "The dynamics of consumer credit and household indebtedness in South Africa." Doctoral thesis, University of Cape Town, 2015. http://hdl.handle.net/11427/15721.

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Consumer credit has become an important element of the South African economy. Given the limits on state social security payments, and the chronic absence of substantial household savings, consumer credit has come to play a vital role as a substitute for income support and/or a complement to low wages. This gives the credit market its microeconomic and welfare objectives. However, consumer credit can be a dangerous product if households allow themselves to get over-extended. Such concerns brought forth the argument for tight regulation of the credit market, resulting in the enactment of the Nat

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23

Kgomo, Stephen Phuti. "Investigating the high level of consumer indebtedness in the South African retail market." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/8450.

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This study was aimed at investigating the high level of consumer indebtedness in the South African retail market more specifically factors that contribute to consumer indebtedness. Recommendations on how to control the level of consumer indebtedness are also presented. Consumer indebtedness is a problem in many countries around the world and as witnessed during the 2008 global financial crisis, its impact can be disastrous. Not only does it create problems for the families but also for a country and even to the extent of the whole world. The literature conducted did not reveal a study undertak

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24

Wolmarans, Joshua. "The impact of trade policies on the South African clothing and textile industry : a focus on import quotas on Chinese goods." Thesis, Stellenbosch : University of Stellenbosch, 2011. http://hdl.handle.net/10019.1/8544.

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Thesis (MBA)--University of Stellenbosch, 2011.<br>The South African clothing and textile industry has historically benefited from import substitution industrialisation which protected the industry through tariff and non-tariff barriers from foreign competition. Factors such as the impact of globalisation, our accession to the World Trade Organisation and the associated effects on trade liberalisation changed South Africa‟s trade policy to move towards export lead growth at the threshold of South Africa‟s democracy, which paved the way for increased imports from foreign countries. The opening

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25

Kimemia, Peter Njau. "Credit accessibility and rural development in the former Ciskei: an overview of Keiskammahoek." Thesis, Rhodes University, 2001. http://hdl.handle.net/10962/d1003100.

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This study focuses on the issue of credit accessibility for the rural poor. Taking cognisance of the critical role played by innovative micro-lending mechanisms in the sphere of rural development, the study reaffirms the need to enhance access to financial services by rural communities. However, it also reveals the fact that there are numerous impediments to access to credit for the people living in parts of the Keiskammahoek District of the former Ciskei. Key among the impediments has been lack of awareness about the existence and the activities of micro-lending institutions. This has, in a l

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26

Mashile, Daphne Mmapabala. "Challenges facing smallholder farmers in accessing credit in Gauteng province: South Africa." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/7991.

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Credit plays a significant role in agricultural growth, and it is understood that development of credit programmes will have a valuable impact on agricultural production earnings of smallholder farmers. It is also a strategic factor to poverty alleviation. In Gauteng, smallholder farmers source their loans commonly from informal moneylenders. This results in access to formal credit being at a low rate. Results show that low level of education, main occupation, group membership and household income are significant and have encouraging effects on access to credit financial services. The results

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27

Chiparawasha, Francis. "Exchange rate pass-through to domestic prices in South Africa." University of the Western Cape, 2015. http://hdl.handle.net/11394/5017.

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Magister Commercii - MCom<br>This mini-thesis examines the speed and magnitude of exchange rate pass-through to domestic prices in South Africa. The shift from fixed exchange rate regimes to a system of floating exchange rates by many countries after the collapse of the Bretton Woods system increased the role of the exchange rate in the determination of inflation. In theory, exchange rate depreciation causes inflation via a process called exchange rate pass-through (ERPT). The effect of exchange rate variations on inflation is of special interest to policy makers especially for countries unde

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Springfield, Samantha Claire. "Aspects of the new repurchase system of monetary control in South Africa." Thesis, Rhodes University, 2001. http://hdl.handle.net/10962/d1002673.

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The main objective of monetary policy is to protect the value of the currency, and in so doing, achieve the objectives of maximum economic growth, development, and the creation of employment opportunities. As from 1985, under the advice of the De Kock Commission, the South African Reserve Bank (SARB), implemented the classical cash reserve system of monetary control. Under this system, the SARB was willing to refinance the money market shortage fully, automatically, and on certain predetermined terms, conditions and costs. However, since the new political dispensation in 1994, South Africa’s f

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29

O, Connor Padhraic. "A preliminary concept for an LNG import terminal for Saldanha bay." Thesis, Stellenbosch : Stellenbosch University, 2014. http://hdl.handle.net/10019.1/86230.

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Thesis (MScEng)--Stellenbosch University, 2014.<br>ENGLISH ABSTRACT: South Africa presently faces a serious and much-acknowledged energy capacity deficit. The Department of Energy are determined to address this capacity crisis by creating several new power plants between 2010 and 2030, as stipulated in the “Integrated Resource Plan 2010”. A Combined Cycle Gas Turbine (CCGT) power plant is proposed to add 2370 MW of capacity to the national grid. The “new-build” CCGT plant will use natural gas as a feedstock for energy generation. The plant is destined to begin energy generation by 2019, and

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De, Villiers D. W. (Dawid Willem). "A workable debt review process for South Africa : at last?" Diss., University of Pretoria, 2011. http://hdl.handle.net/2263/25022.

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The National Credit Act 34 of 2005 and its Regulations came into full effect on 1 June 2007. In order to protect consumers by addressing over-indebtedness, the Act introduces a novel process of debt review in which a new agent, the debt counsellor, plays an important role to help relieve a consumer’s over-indebtedness. However, after the Act commenced, problems soon came to pass with regard to the debt review process. This was mainly due to loopholes and shortcomings in the National Credit Act and its Regulations. The key problems in debt review practice which are identified and analysed in th

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Omomowo, Kolawole Emmanuel. "The lords of poverty? Micro-credit institutions and social reproduction in South Africa." University of the Western Cape, 2015. http://hdl.handle.net/11394/4668.

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Philosophiae Doctor - PhD<br>The broader conception of poverty as ‘quality of social reproduction’ demonstrates the delicate nature of the interaction between the institutions of the family/household, the economy and the state. These institutions interact in the dispensation of individual, productive and collective consumptions important for social well-being and social reproduction in society. The gap in the configuration of these consumptions relationship opens the space for the institution of micro-credits to thrive in South Africa to the detriment of adequate ‘quality of social reproductio

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32

Soga, Nomaphelo. "The cost of credit default in the vehicle finance industry in South Africa." Thesis, Cape Peninsula University of Technology, 2019. http://hdl.handle.net/20.500.11838/3027.

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Thesis (MTech (Cost and Management Accounting))--Cape Peninsula University of Technology, 2019<br>The risk that borrowers may not fulfil borrowing obligation presents credit owners (lenders) with a default risk management opportunity to maximize risk-adjusted rate of return and maintain minimum exposure to default associated cost. This study investigated respondents' perception of the cost of credit default and examines requirements for default risk management (ORM) in the vehicle finance industry in South Africa. It is noted that with increased level of consumer indebtedness, an unstable econ

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Dos, Santos Claudia. "Financial development, credit rationing and the distribution of income: South Africa 1913-2008." Master's thesis, University of Cape Town, 2011. http://hdl.handle.net/11427/10361.

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This paper provides a theoretical examination of the impact of financial development and credit constraints on earnings inequality in the country between 1923 and 2008. The time-span is particularly interesting, as it includes three distinct political regimes: colonialism, apartheid and democracy.

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Doig, Gregory Graham. "The interest rate elasticity of credit demand and the balance sheet channel of monetary policy transmission in South Africa." Thesis, Rhodes University, 2013. http://hdl.handle.net/10962/d1006482.

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It has long been accepted that changes in monetary policy have real economic effects; however, the mechanism by which these policy changes are transmitted to the real economy has been the subject of much debate. Traditionally the transmission mechanism of monetary policy has consisted of various channels which include the money channel, the asset price channel and the exchange rate channel. Recent developments in economic theory have led to a relatively new channel of policy transmission, termed the credit channel. The credit channel consists of the bank lending channel as well as the balance

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35

Collins, Sonia Fransiena Johanna. "Huishoudingskuld in Suid-Afrika en die invloed op private verbruiksbesteding (Afrikaans)." Diss., University of Pretoria, 2002. http://hdl.handle.net/2263/27825.

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AFRIKAANS: Die studie ondersoek die verband tussen huishoudingskuld in Suid-Afrika en finale verbruiksbesteding deur huishoudings en daar is bevind dit is 'n wedersydse, moeilik voorspelbare en nie 'n eenvoudige proses nie, omdat verskeie faktore in die ekonomie dit beïnvloed. Die stand van die ekonomie en veral die persepsie van die verbruiker is belangrike faktore. Geld het 'n evolusie ondergaan en minder tasbaar geword as gevolg van krediet. Dit het beheer daarvan moeilik gemaak. Die koste van krediet is 'n geleentheid vir die Sentrale Bank om beheer oor geldskepping uit te oefen. Monetêre

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36

Cock, Craig. "Influence of strike action on South Africa s credit rating by global rating agencies." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/52371.

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The growing importance of Credit agency rating in the economic indicators for a country necessitates investigating the impact of various indicators on credit agency ratings. South Africa is a country which has experienced an increase in prolonged, violent and unprotected strike action. This study aimed to determine the impact of this labour relations action on the country s credit ratings over the last 15 years and the consequent related economic factors. Credit rating agencies do not specifically identify strike actions as a key indicator nor do they indicate which indicators dictate th

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37

Sibanda, Michael. "Determinants of sovereign credit ratings in an emerging economy: A case of South Africa." Thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28373.

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The author attempts to identify and measure determinants of sovereign credit ratings for emerging markets as rated by the three leading ratings agencies, namely:- Fitch, Moody's, and Standard and Poor's. Sovereign credit ratings have a vital role in capital mobilisation and portfolio inflows as they dictate the cost and eligibility of borrowing in the global capital markets. The sovereign credit ratings also act as a ceiling for sub-sovereign borrowers’ foreign currency ratings, and as suggested by available literature and empirics, sub-sovereigns can never be rated above their sovereign. Emer

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Motau, Hlokammoni Grathel. "Determinants of unsecured lending : an empirical investigation of consumption, lending rates and deregulation in a South African context." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97470.

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Thesis (MDF)--Stellenbosch University, 2015.<br>ENGLISH ABSTRACT: South Africa has experienced a significant growth in household unsecured credit extension, igniting concerns around the potential negative impact of household indebtedness on the stability of the banking system. With the use of correlation and ordinary least squares, the study attempts to prove a relationship between growth in unsecured lending (dependent variable) and consumption, lending rates and de-regulation (independent variables). Although there is a correlation between growth in unsecured lending and interest rates,

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Katende, Kalambayi. "Stokvels as vehicles of wealth accumulation amongst migrants in Johannesburg." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/8209.

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Saving clubs or stokvels have been around in many parts of the World, under different names, for many years and they have been instrumental in teaching people how to save. This research sets to investigate the possible use of stokvels as vehicles, channels or conduits for wealth accumulation among migrant population living in the inner city of Johannesburg. Participants’ contributions and the extent this translates into wealth accumulation among members were critically examined. Furthermore, the study explored whether gender plays any role in terms of stokvels membership and the reasons thereo

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40

Van, der Walt Andries Jacobus. "The effect of the financial crisis on credit scoring in the retail credit market in South Africa / van der Walt, J." Thesis, North-West University, 2011. http://hdl.handle.net/10394/7588.

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This study follows a three–pronged approach to investigate the effects of the global financial crisis on the South African retail credit market (using Woolworths as subject). These three prongs, or areas, include a literature study, step–by–step credit scoring guide and an application of this guide in an empirical study. To achieve this goal, credit scoring was selected as the quantitative tool to illustrate these effects. Two different periods were chosen to supply a snapshot of the retail credit industry, namely the retail credit situation before and during the global financial crisis. To co

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Dempster, Michele. "The National Credit Amendment Act : an assessment of progress or platitude for the prevention of reckless credit granting in South Africa?" Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/53123.

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The National Credit Act 34 of 2005 introduced the concept of reckless lending into the South African credit market. It set out a regulatory framework in chapter 4 part D that provided for the credit provider s assessment of certain aspects relating to the consumer prior to the lending of credit. This assessment, inter alia, meant assessing the consumer s financial means and prospects, debt repayment history and general understanding of the risks and obligations. The obligation placed on credit providers to conduct an assessment originally stated that such credit provider must take reasonable s

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White, Johannes Petrus Lodewikus. "The role of securitisation and credit default swaps in the credit crisis : a South African perspective / White W." Thesis, North-West University, 2011. http://hdl.handle.net/10394/7581.

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The financial crisis that struck financial markets in 2008 was devastating for the global economy. The impact continues to be felt in the market - most recently in sovereign defaults. 1 There are many questions as to the origin of the crisis and how the same events may be prevented in the future. This dissertation explores two financial instruments: securitisation and credit default swaps (CDSs) and attempts to establish the role they played in the financial crisis. To fully understand the events that unfolded before and during the crisis, a sound theoretical understanding of these instruments

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"'n Kostevergelyking tussen gesubsidieerde uitvoerkredietfinansiering, finansiële bruikhuur en afbetalingsverkoopooreenkomste as finansieringsmetodes vir die invoer van kapitaalgoedere en dienste." Thesis, 2014. http://hdl.handle.net/10210/10234.

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M.Com. (Economic Management)<br>South Africa, as a developing country, has an enormous need for capital. Between 1980 to 1983, an amount of RBO billion was spent on fixed capital investment alone in this country. A large component of this investment originates from external sources and was financed by way of off-shore loans and other credit facilities. The developed countries, in order to promote their exports, have long realised that in addition to offering a competitive price and high quality product, competition also required that credit be made available to the importer. Presently the comp

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Mokaba, Klaas. "Analysis of the socio-economic impact of credit blacklisting in South Africa." Thesis, 2017. https://hdl.handle.net/10539/26887.

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A research report submitted in accordance with the requirements of the degree of Masters of Management in the Field of Public Policy (MMPP) in the Wits School of Governance (WSG), Faculty of Commerce, Law and Management at the University of the Witwatersrand, October 2017<br>Even though South Africa is living in what is referred to as a constitutional democracy which is defined within the context of its Bill of Rights contained in Chapter 2 of the Constitution of the Republic of South Africa Act, 1996 (the Constitution) which is advocating for promotion of human rights, the country still

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Nel, Imo-Rhesa. "The impact of the National Credit Act 34 of 2005 on insolvency proceedings." Thesis, 2014. http://hdl.handle.net/10210/12643.

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LL.M. (Commercial Law)<br>When a debtor runs into financial problems and starts neglecting to satisfy his financial obligations as and when they fall due, there are various statutory procedures or remedies available to both the debtor and his creditor(s). The first and most obvious remedy available to the creditor is to demand the satisfaction of the outstanding claim by the issuance of a letter of demand, followed by a summons and subsequent court proceedings in which the creditor will claim what is due to him. If the debtor still neglects to satisfy the judgement debt, the creditor may proce

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Boonzaaier, Catherine. "The impact of the National Credit Act on residential mortgage lending in South Africa." Diss., 2016. http://hdl.handle.net/10500/22202.

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The National Credit Act (NCA) was promulgated and implemented on 1 June 2007. The purpose of this research study was to outline the residential mort-gage market in South Africa in the context of the NCA and to determine how residential mortgage lending under the new NCA was regulated. The purpose of the NCA was to remove the many unfair practices, inappropriate disclosure and anti-competitive practices from the market and to achieve honesty in the credit market. Low-income groups were held back because they could not gain access to formal finance to build or improve houses or supplement housin

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Chisasa, Joseph. "An empirical study of the impact of bank credit on agricultural output in South Africa." Thesis, 2014. http://hdl.handle.net/10500/18511.

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In the literature there are mixed results on the link between credit and agricultural output growth. Some authors argue that credit leads to growth in agricultural output. Others view growth as one of the factors that influence credit supply, thus growth leads and credit follows. By and large, studies have not endeavoured to establish the short-run impact of agricultural credit on output. They are generally limited in establishing the long-run relationship between credit and agricultural output and thus present a research gap in this respect. This study contributes to the existing body of lit

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"The impact of the National. Credit Act (NCA) on risk in the South African banking system." Thesis, 2014. http://hdl.handle.net/10210/11175.

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M.Phil. (Economics)<br>There has been increasing focus on banking system stability worldwide, particularly due to the recent financial crisis experienced and the resultant adverse economic effects. In the case of a developing country like South Africa (SA), the stability of the banking system is even more important as it is crucial for the achievement of the country’s development goals. Credit extension is also a core component for facilitating economic and social development in the country. The downside risk attached to credit extension is that once it reaches a point of being excessive it ca

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Sewnunan, Teshani Devi. "The impact of the National Credit Act, 2005 on the affordability of home loans in Pinetown." Thesis, 2015. http://hdl.handle.net/10321/1279.

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Submitted in fulfilment of the requirements of the Masters of Technology degree in Cost and Management Accounting, Durban University of Technology, Durban, South Africa, 2015.<br>The National Credit Act No. 34 of 2005 (NCA) was introduced by the South African government mainly to bring about accessibility to credit markets, protect consumers from malpractices and market abuses by credit providers and reduce consumer over indebtedness. As a result, credit providers are compelled to apply stringent rules and regulations when assessing a credit consumer’s affordability prior to granting home loan

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Paile, Kabelo. "The impact of the National Credit Act on household debt levels in South Africa." Thesis, 2014.

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The high household debt level, as seen in recent years, has been a concern for many governments and financial institutions because of the decline in the well-being of households and the financial burden indebted households pose on the economy. A household that cannot afford to service its debt repayments will ultimately experience a decrease in its standard of living, and many other essential monthly expenses such as school fees may be “crowded out” by the debt repayments. An alarming trend is the high levels of debt that households have indulged in, with little regard for the negative conseq

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