To see the other types of publications on this topic, follow the link: Standard Bank South Africa Group IT.
Journal articles on the topic 'Standard Bank South Africa Group IT'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Standard Bank South Africa Group IT.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
A. Johnston, Kevin, and Grandon Gill. "Standard Bank: The Agile Transformation." Journal of Information Technology Education: Discussion Cases 6 (2017): 07. http://dx.doi.org/10.28945/3923.
Full textAbstract:
South Africa’s largest bank has recently completed a transformation from traditional systems development to the scaled agile framework. The individual leading the transformation is now considering how to keep the momentum going and possible new directions. Josef Langerman, Head of IT Transformation for Standard Bank, reflected on the extraordinary transformation that his organization’s IT group had recently experienced. Over the past three years, Standard Bank’s IT group had changed from the relatively well accepted systems development lifecycle/waterfall model to a revolutionary large scale agile approach. The results had been gratifying. But it left a question unanswered. Now that things were starting to stabilize, what should be the next steps? The 154-year-old Standard Bank was the largest banking group in Africa, and the 5th largest company headquartered in South Africa. The bank offered a range of corporate, business and personal banking as well as financial services. Its 49,000 employees served over 15 million customers, in 20 countries across the continent of Africa, as well as other countries scattered around the globe. Standard Bank’s IT group, located within the company’s Johannesburg headquarters, had over 6000 employees. The group managed the bank’s technology infrastructure–including a network of nearly 10,000 ATMs, its applications development, testing, deployment, maintenance and operations. By 2014, the bank recognized that its IT performance was lagging industry benchmarks in productivity, turnaround time and employee satisfaction. Employing a “do it in-house” philosophy, it embarked on a major transformation. Abandoning traditional highly structured approaches to project management and development, it had adopted an agile philosophy that was most commonly seen in much smaller organizations and technology startups. The results had been impressive–productivity, cycle time and organizational health indicators had all risen dramatically. The group had also achieved substantial reductions in its budget. Even skeptics within the organization could not fail to be impressed. Now, however, Langerman wondered about the future. He had been cautioned by his group’s HR Culture Transformation Guide that rapid improvement could easily be followed by disillusionment. What could be done to keep the momentum going forward? Should the bank double down on the types of changes to culture, practice and training that had led to its success, or was it time to let things settle? And who should be guiding the change? Should the implementation continue entirely in-house, or should outside consultants–that were working in other areas of the bank–play a significant role? In the near future, he would need to present his recommendations to the group’s CIO.
2
Van Heerden, Chris, and Gary Van Vuuren. "Establishing The Relative Competitiveness Of South African Banking Shares: A Kalman Filter Approach." Journal of Applied Business Research (JABR) 31, no. 2 (March 3, 2015): 539. http://dx.doi.org/10.19030/jabr.v31i2.9152.
Full textAbstract:
<p>It is argued that the Basel III Accord will undermine the ROE of South African banks, and with the downgrading of South African banks during August 2014, will force investors to revaluate South African banking shares as attractive investment options. However, results from the Sharpe and Omega ratios, based on returns forecast using the Kalman filter, accentuate the likelihood that the South African industry can still be expected to be a competitive and feasible investment option after the downgrade. Evidence suggests that Capitec Bank Holdings Limited and Standard Bank Group Limited will perform the worst of all the South African banks, whereas FirstRand Limited, Investec Limited, and Barclays African Group will exhibit more promise in the future, outperforming world indices, such as the DAX, FTSE 100 and the S&P 500.</p>
3
Phaswana, Ike, and Theuns Pelser. "A corporate governance and business ethics framework: The case study of bank subsidiaries in an emerging country." Journal of Governance and Regulation 10, no. 3 (2021): 30–43. http://dx.doi.org/10.22495/jgrv10i3art3.
Full textAbstract:
As Africa continues to develop as a foreign direct investment (FDI) destination, greater emphasis must be placed on domestic and international regulations seeking to facilitate governance levels (Awolusi, Adeyeye, & Pelser, 2017, p. 195). This study investigated the degree of compliance to 2016 King IV Report on Corporate Governance™ for South Africa (King IV™) principles and recommended practices by 17 sampled Standard Bank African subsidiaries. An extensive literature review of business ethics and corporate governance was performed, focusing on works from Kretzschmar et al. (2012) and Geach (2009). King IV™ recommended practices were used as constructs to measure the level of compliance. To answer the three research questions and meet the three research objectives, a manual questionnaire approach was employed to collect data from 33 respondents that represented 17 Standard Bank African subsidiaries. Reliability of the constructs in the questionnaire was performed using a Cronbach’s alpha (α) with (α) equals 0.857 indicating a high level of internal consistency for the nominal scales used in the questionnaire. Validity was established through the research design and sequential mixed methods employed. Based on the respondents’ feedback the researchers developed the corporate governance and business ethics framework for Standard Bank African subsidiaries incorporating King IV™. The modes of managing morality (MMM) business ethics model (Rossouw & van Vuuren, 2013, p. 58) was fused into the framework. The researchers are of the view that the framework would assist Standard Bank Group in realising its stated purpose. A set of recommendations that would assist the Standard Bank Group in meeting the prescripts of King IV™ are proffered
4
Marivaux, Laurent, and Myriam Boivin. "Emergence of hystricognathous rodents: Palaeogene fossil record, phylogeny, dental evolution and historical biogeography." Zoological Journal of the Linnean Society 187, no. 3 (September 4, 2019): 929–64. http://dx.doi.org/10.1093/zoolinnean/zlz048.
Full textAbstract:
AbstractAlthough phylogenetic trees imply Asia as the ancestral homeland of the Hystricognathi clade (Rodentia: Ctenohystrica), curiously the oldest known fossil occurrences of hystricognathous rodents are not from Asia, but from Africa and South America, where they appear suddenly in the fossil record of both landmasses by the Late Middle Eocene. Here we performed cladistic and Bayesian (standard and tip-dating analyses) assessments of the dental evidence documenting early ctenohystricans, including several Asian ‘ctenodactyloids’, virtually all Palaeogene Asian and African hystricognaths known thus far and two representatives of the earliest known South American hystricognaths. Our results provide a phylogenetic context of early hystricognaths (with implications on systematics) and suggest that some Eocene Asian ‘ctenodactyloids’ could be considered as stem hystricognaths and pre-hystricognaths, although they were not recognized as such originally. However, this view does not fill the gap of the Eocene Asian hystricognath record, as the proposed results imply many ghost lineages extending back to the Middle Eocene for several Asian and African taxa. They also imply a complex early historical biogeography of the group, involving multiple dispersal events from Asia to Africa (and possibly from Africa back to Asia) and then to South America sometime during the Middle Eocene. Based on these phylogenetic considerations, we discuss the emergence of hystricognathous rodents from a morpho-anatomical perspective by analysing the differentiation of their masticatory apparatus and chewing movements, notably through the evolution of their dental patterns.
5
Bartová, Ľ. "Globalisation and poverty." Agricultural Economics (Zemědělská ekonomika) 48, No. 2 (February 29, 2012): 81–86. http://dx.doi.org/10.17221/5292-agricecon.
Full textAbstract:
Transitional process in Central and Eastern European countries has been affected by globalisation. Evaluation of poverty and inequality become an integral part of economic thinking a few years ago. The importance of this topic is documented in the 2000 World Bank Report. In comparison with living standards of developing countries (especially Africa, South Asia, partially Latin America), Slovakia does not belong to the group of countries with the highest absolute poverty and according to the World Bank Report, the Slovak Republic is one of the countries with the lowest level of inequality. The paper presents an assessment of poverty and inequality in the Slovak Republic and a comparative analysis of indicators of selected countries. From 1992 the poverty in the Slovak Republic was evident, lasting and befalling more and more inhabitants. Household living costs were affected by price liberalisation. Inequality increased too. In 1996, inequality was correlated with the size of settlements and reached the highest level in settlements with over 50 thousand inhabitants. The share of population under poverty line has been increasing as well. Poverty assessment depends on the poverty line, which changes over time and across the regions. Distribution of household income in the Slovak Republic by the size of settlements (Microcenzus 1996) is shallow and densely concentrated around the poverty line. Therefore high sensitivity of poverty incidence, its depth and severity is observed. Contrary to the situation in developing countries, where the highest share of poor is observed in rural areas, the share of the Slovak Republic population under the poverty line was the highest in the settlements with 5 thousand to 10 thousand inhabitants in 1996.
6
Fotso, Bakam, and E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa." Journal of Economics and Behavioral Studies 9, no. 2(J) (May 18, 2017): 6–21. http://dx.doi.org/10.22610/jebs.v9i2(j).1646.
Full textAbstract:
Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four†South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
7
Fotso, Bakam, and E. I. Edoun. "Critical Assessment of Banking Institutions in South Africa." Journal of Economics and Behavioral Studies 9, no. 2 (May 18, 2017): 6. http://dx.doi.org/10.22610/jebs.v9i2.1646.
Full textAbstract:
Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
8
Lewis, Megan. "Standard Bank National Arts Festival, Grahamstown, South Africa, 3-13 July 1997 (review)." Theatre Journal 50, no. 1 (1998): 105–7. http://dx.doi.org/10.1353/tj.1998.0018.
Full text
9
Bhana, Deeksha. "Contract Law and the Constitution: Bredenkamp v Standard Bank of South Africa Ltd (SCA)." Southern African Public Law 29, no. 2 (December 18, 2017): 508–21. http://dx.doi.org/10.25159/2522-6800/3665.
Full text
10
Ghazzawi, Issam, Angie Urban, Renee Horne, and Claire Beswick. "Standard bank: exploring opportunities to make Côte d’Ivoire ‘home’." Emerald Emerging Markets Case Studies 10, no. 3 (September 9, 2020): 1–37. http://dx.doi.org/10.1108/eemcs-01-2020-0009.
Full textAbstract:
Learning outcomes After completion of this case, students will be able to: define and understand the external and internal components of the strategic management process; define and explain various alternative strategies that help companies create a sustainable competitive advantage; understand and explain the five main choices of entry mode that are available to organisations when considering entry into a foreign market, suggest an entry mode that is relevant to Standard Bank and explain the pros and cons of each entry mode; and understand how a company can offer or phase in its service offerings. Case overview/synopsis This case situates Sola David-Borha, CEO for the Africa Region at the Standard Bank Group, in April 2018, considering whether and how to expand into personal and business banking in Cote d’Ivoire – a country that Standard Bank had just re-entered, having exited there in 2003 because of the civil war. The bank has operations in 20 sub-Saharan African countries and its growth strategy is focussed on Africa. This strategy is reflected in its slogan: “Africa is our home. We drive her growth”. David-Borha has a number of questions on her mind. These include: can the bank offer financial services that will meet the needs of the Ivorian people, how can the bank expand into personal a business banking – indeed is rapid expansion into this sector the right decision for now? Complexity academic level Advanced/graduate courses in strategic management and international business. Supplementary materials Teaching Notes are available for educators only. Subject code CSS 5: International business.
11
Desta, Tesfatsion Sahlu. "Are the best African banks really the best? A Malmquist data envelopment analysis." Meditari Accountancy Research 24, no. 4 (October 3, 2016): 588–610. http://dx.doi.org/10.1108/medar-02-2016-0016.
Full textAbstract:
Purpose This paper aims to examine whether the African commercial banks selected as the best African banks by Global Finance Magazine really are the best. Design/methodology/approach Panel data envelopment analysis (DEA) was used, as well as the Malmquist total factor productivity index, to distinguish productive banks from unproductive banks. Nineteen commercial banks were selected from the 30 best African banks as identified by the Global Finance Magazine. Findings Of the 19 banks, five were found to be unproductive. Bank productivity was attributed mainly to technological change, and different methods marked different results, for example, the regional winner bank (Standard Bank of South Africa) selected by Global Finance Magazine ranked ninth in this study, whereas the Bank Windhoek Limited, Namibia, ranked first. Practical implications The study confirms the applicability of DEA for the banking industry. The model shows variability among the banks’ efficiency and productivity and provides different results to the Global Finance Magazine’s best bank selection. For example, the Standard Bank of South Africa, which is selected as the regional winner, is now ranked ninth under the DEA Malmquist’s total factor productivity. Originality/value The study shows that the DEA model can be applied not only for analysing the firm’s efficiency but also for objective rating, ranking and selecting best banks.
12
Lewis, Megan. "25th Anniversary Standard Bank National Arts Festival, Grahamstown, South Africa, 29 June-11 July 1999 (review)." Theatre Journal 52, no. 2 (2000): 280–83. http://dx.doi.org/10.1353/tj.2000.0050.
Full text
13
Knight, J. B. "A Comparative Analysis of South Africa as a Semi-Industrialised Developing Country." Journal of Modern African Studies 26, no. 3 (September 1988): 473–93. http://dx.doi.org/10.1017/s0022278x00011733.
Full textAbstract:
South Africa has neither a developed nor a typical underdeveloped economy. Too often it has been wrongly classified, along with, say, Australia and New Zealand, as one of the peripheral developed countries, because only a part of the economy and population have the characteristics we associate with that group. Yet its economy is distinctly different from others in sub-Saharan Africa. South Africa falls squarely into the category which the World Bank classifies as ‘upper middle-income’ developing economies, with G.N.P. per capita in 1982 ranging from $2,000 to $7,000 and averaging $2,500, thereby including South Africa, with $2,700.1 (By contrast, Kenya's G.N.P. per capita was $400 and Britain's $10,000). The World Bank's group includes Algeria, Argentina, Brazil, Chile, Mexico, South Korea, Venezuela, and Yugoslavia. South Africa shares many structural economic characteristics with these semi-industrialised countries.
14
Bimha, Alfred. "The Internal Carbon Emissions Reduction Efficiency Of The South African Banking Sector: A Data Envelopment Analysis." International Business & Economics Research Journal (IBER) 13, no. 1 (December 31, 2013): 69. http://dx.doi.org/10.19030/iber.v13i1.8357.
Full textAbstract:
In this study, a BCC/CCR Data Envelopment Analysis (DEA) Input-Oriented model is employed to measure the carbon reduction efficiency of the four major banks in South Africa (ABSA, Standard Bank, First National Bank, and Nedbank). Specifically, the Banxia Frontier Analysis DEA software is utilized to make two runs on publicly available data. In the first run, number of employees and operating costs are treated as inputs and carbon emissions as the output. In the second run, again, the number of employees and operating costs are treated as inputs, but electricity usage, paper usage, and business travel are treated as outputs. Results are opposite to those generated by the DEA input-oriented model; firms distant from the efficiency frontier are deemed efficient in terms of reducing carbon emissions and firms lying on the efficiency frontier are deemed inefficient. The first run reveals one bank (ABSA) to be inefficient and the second run demonstrates two banks (ABSA and Standard Bank) to be inefficient. Taken in sum, the current research study seeks to facilitate the measurement of carbon reduction efficiency within the banking sector.
15
Jones, Stuart. "Productivity in an imperial bank in the age of high imperialism: The case of the Standard Bank of South Africa 1882–1900." South African Journal of Economic History 9, no. 1 (March 1994): 31–45. http://dx.doi.org/10.1080/20780389.1994.10417225.
Full text
16
DAVIS, GEOFFREY V. "“Days of Miracle and Wonder”: Standard Bank National Arts Festival Grahamstown, South Africa. July 3–13, 1997." Matatu 20, no. 1 (April 26, 1998): 287–92. http://dx.doi.org/10.1163/18757421-90000295.
Full text
17
Rossouw, Jannie. "Private shareholding: An analysis of an eclectic group of central banks." South African Journal of Economic and Management Sciences 19, no. 1 (March 2, 2016): 150–59. http://dx.doi.org/10.4102/sajems.v19i1.1329.
Full textAbstract:
Although the title seems to be a contradictio in terminis, this paper identifies a small, eclectic number of central banks with private shareholders about which little has been published. It is shown that only the central banks of Belgium, Greece, Italy, Japan, South Africa, Switzerland, Turkey and the United States (US) Federal Reserve allow shareholding other than by the government of the respective countries, although not in all instances by the general public. This paper considers private shareholding in this eclectic group of central banks, despite the trend of nationalising central banks that commenced in 1935. Private shareholding is defined as shareholding in a central bank by any party other than the respective government or governments (e.g. the European Central Bank) where the central bank is located.Large differences in the classes of shareholders of these eclectic central banks and differences in their approaches to dividend payments are highlighted in the paper. The conclusions reached are, firstly, that investment only in the shares of the central banks of Belgium and Greece (albeit only for residents in the latter instance) can be regarded as growth investments. Secondly, shareholding in the Italian central bank has been used to recapitalise ailing commercial banks. Thirdly, shareholders play no role in the formulation and implementation of monetary policy. Lastly, the shareholding structure of these banks contributes to improved governance in the case of the central banks of Belgium, Greece, Italy, South Africa, Switzerland and Turkey, but no evidence can be found that central banks with shareholders in any way outperform central banks without shareholders.
18
Choma, Hlako, and Tshegofatso Kgarabjang. "Risks and pecularities of the default situations in bank-consumer relationship: A case study." Risk Governance and Control: Financial Markets and Institutions 6, no. 3 (2016): 47–52. http://dx.doi.org/10.22495/rcgv6i3c2art6.
Full textAbstract:
Kubyana and Standard Bank of South Africa, this matter was brought before the North Gauteng High Court sitting in Pretoria, South Africa. The issue to be determine by the Court was to look at the steps that the credit provider ought to take in order to ensure that a notice, notifying the debtor about his/her debt reaches him/her as a consumer before such notice could commence court litigation. This can only happen, in the circumstances where he/she (the defaulter/consumer) failed to comply with his/her obligation. The North Gauteng High Court was required to decide the legal requirements that may be brought in to satisfy the court on preponderance of evidence that the credit provider has satisfied the court that the defaulter or consumer received such notice.
19
Erasmus, Coert. "An Empirical Study of Bank Efficiency in South Africa Using the Standard and Alternative Approaches to Data Envelopment Analysis (DEA)." Journal of Economics and Behavioral Studies 6, no. 4 (April 30, 2014): 310–17. http://dx.doi.org/10.22610/jebs.v6i4.494.
Full textAbstract:
The paper investigates the efficiency of the major banks of South Africa using the standard and alternative approaches to Data Envelopment Analysis (DEA). The standard DEA approach measures efficiency utilising linear averages of outputs and inputs while the alternative DEA approach utilises nonlinear averages. Individual bank efficiency scores are estimated over the period 2006 to 2012, a period that allows analysis of the efficiency of the banks during the global financial crisis of 2008 to 2009. Under both approaches the majority of the major South African banks were observed to be DEA efficient, with the alternative approach improving the efficiency scores of those banks that were DEA inefficient under the standard approach. The global financial crisis did not affect the efficiency of the majority of the banks. Since the banks were DEA efficient prior the crisis, it could be argued that their efficiency was one of the contributory factors for their resilience during the global financial crisis.
20
Lübbe, Estranell. "The effect of the gold standard crisis on the foreign exchange business of Barclays Bank (DCO) in South Africa." South African Journal of Economic History 17, no. 1-2 (September 2002): 82–104. http://dx.doi.org/10.1080/10113430209511145.
Full text
21
Fadiran, Gideon. "Bank competition and interest rate pass-through in the BRICS." International Journal of Emerging Markets 9, no. 4 (September 9, 2014): 471–87. http://dx.doi.org/10.1108/ijoem-05-2011-0046.
Full textAbstract:
Purpose – The purpose of this paper is to examine and compare the interest rate pass-through among the Brazil, Russia, India, China and South Africa (BRICS) emerging markets. Design/methodology/approach – The paper reviews a general literature on interest rates pass-through by applying a cointegration and asymmetric mean adjustment lag (MAL) error correction methodology (ECM). Findings – A symmetric adjustment is found in Russia, China and South Africa's deposit rate, while an asymmetric adjustment is found in Brazil and India's deposit rate adjustments. The presence of a customer reaction theory is found in Brazil, India, China and South Africa's deposit rate adjustments, while a collusive pricing arrangement is found in Russia. From the lending rate adjustment, a collusive pricing arrangement was found in Brazil, China and South Africa, while a customer reaction theory was found in India and Russia. Research limitations/implications – The sample period used in the study covers a period starting from the formal recognition of BRIC (2001-2010), which limits the data length. Practical implications – The research output and implication can assist monetary policy makers, investors and consumers to monitor BRICS’ central banking, commercial banking and competition behaviour, individually and as a group. The BRICS are potentially heading towards a more financially integrated bloc as multilateral agreements among members increases. This is in the form of Letters of Credit and Memorandum of Understanding. These agreements should boost intra-BRICS financial transactions, investments and trade. Originality/value – This is, to the best of knowledge, the first analysis of BRICS interest rate pass-through using the asymmetric MAL ECM application.
22
Seane, Sisimogang Tracy, Gisele Mah, and Paul Saah. "Risk, opportunities and reasons of the household debt changes: The case of an emerging economy." Corporate Ownership and Control 14, no. 1 (2016): 476–84. http://dx.doi.org/10.22495/cocv14i1c3p8.
Full textAbstract:
In the past decades, household debt in both developed and developing countries have been increasing. With an increase in the standard of living, household debt is also bound to increase. This paper examines the cointegration and causal link among household disposable income, household savings, and debt service ratio, lending interest rate, consumer price index and household debt in South Africa. An Autoregressive Distributed Lag and Granger causality techniques was used to analyse data collected from the South African Reserve Bank and Quantec from 1984 to 2014. The results of Autoregressive Distributed Lag test revealed cointegrating relationships between household debt and debt service ratio as well as household debt and lending interest rate. However, there is no long run cointegrating relationship between household disposable income, household savings and consumer price index with household debt. The Granger causality results revealed that household disposable income, household savings, debt service ratio, lending interest rate, consumer price index do Granger cause household debt in South Africa. Policy makers should thus target these variables in order to reduce household debt in South Africa.
23
Seane, Sisimogang Tracy, Gisele Mah, and Paul Saah. "Risk, opportunities and reasons of the household debt changes: The case of an emerging economy." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 207–15. http://dx.doi.org/10.22495/rcgv6i4c1art10.
Full textAbstract:
In the past decades, household debt in both developed and developing countries have been increasing. With an increase in the standard of living, household debt is also bound to increase. This paper examines the cointergation and causal link among household disposable income, household savings, debt service ratio, lending interest rate, consumer price index and household debt in South Africa. An Autoregressive Distributed Lag and Granger causality techniques was used to analyse data collected from the South African Reserve Bank and Quantec from 1984 to 2014. The results of Autoregressive Distributed Lag test revealed cointegrating relationships between household debt and debt service ratio as well as household debt and lending interest rate. However, there is no long run cointegrating relationship between household disposable income, household savings and consumer price index with household debt. The Granger causality results revealed that household disposable income, household savings, debt service ratio, lending interest rate, consumer price index do Granger cause household debt in South Africa. Policy makers should thus target these variables in order to reduce household debt in South Africa.
24
Mugobo, Virimai Victor, and Misheck Mutize. "The impact of sovereign credit rating downgrade to foreign direct investment in South Africa." Risk Governance and Control: Financial Markets and Institutions 6, no. 1 (2016): 14–19. http://dx.doi.org/10.22495/rgcv6i1art2.
Full textAbstract:
Foreign Direct Investment (FDI) has grown to be an attractive alternative to borrowing from multilateral institutions such as the World Bank and the International Monetary Fund for emerging economies. Global investors prefer investing in countries which have received a Sovereign Credit Rating (SCR) as they perceive it as a good measure of risk allocation. This research applied an event study methodology to SCR downgrades from the three international CRAs (Moody, Standard and Poor and Fitch) over the period 2004 to 2014 to investigate the impact of SCR change on FDI flow into South Africa. Empirical findings show that there is a statistically significant relationship between FDI and SCR downgrades. Evidence also shows that not all downgrades from the three CRAs equally affect investors’ decisions as Moody’s downgrades tend to dominate, causing FDI to reaction at with a higher magnitude. However, not only SCR downgrade determines FDI flow into SA but there is a host of other fundamentals that government should address to attract investment and stabilise financial markets.
25
Pati, A. P. "Credit Risk Stress Testing Practices in BRICS: Post-global Financial Crisis Scenario." Global Business Review 18, no. 4 (May 8, 2017): 936–54. http://dx.doi.org/10.1177/0972150917692269.
Full textAbstract:
The impact of global financial crisis (GFC) was well pervasive with no exception to Brazil, Russia, India, China and South Africa (BRICS) nations. Banking being the conduit to the market was affected severely in many economies including BRICS, where credit risk emanated from non-performing loans (NPL) was ascribed as the main cause of concern. With the help of The World Bank data set of pre-GFC and post-GFC, this article attempts to look into the credit risk testing practices of BRICS. The Chow’s F-test based on NPL shows no shift in the profitability of banking across all the five economies, whereas a shift in the capital adequacy ratio (CAR) of Russia, India and China in post-crisis years was visible. The BRICS though has different political set-ups follow the international practice of credit risk stress testing for assessing the resilience of their banking sector. Before the crisis, International Monetary Fund (IMF) assessed stress testing for credit risk was in place with BRICS (except India) and currently all the countries are conducting such tests, either independently by their own central banks or with the help of IMF. Bank-specific tests, however, were not found. While India and South Africa are conducting such tests regularly, other three economies are lacking behind. Most of the assessments adopt simulated scenario analysis as well as sensitivity tests for credit risk. While India has been conducting the tests at macro, sector and bank group levels, others are concentrating on macro-level and bank group level. Though variations in selecting variables are found across BRICS, it was found to be very insignificant. The cautions that came along with these tests were mostly found for next 1 to 2 years indicating the test lacuna in predicting bank crisis on a long term.
26
Strauss, Carrie A., Jeffrey A. Kotzen, Ans Baeyens, and Irma Maré. "Oncothermia in HIV-Positive and -Negative Locally Advanced Cervical Cancer Patients in South Africa." Conference Papers in Medicine 2013 (May 26, 2013): 1–3. http://dx.doi.org/10.1155/2013/293968.
Full textAbstract:
Aim. Investigate the clinical, economic, and cellular effects of the addition of oncothermia to standard treatment for HIV-positive and -negative locally advanced cervical cancer patients in public healthcare in South Africa. Objectives. Evaluate the effect that the addition of oncothermia has on local disease control, progression-free survival, overall survival at 2 years, treatment toxicity, quality of life, economic impact, and HIV status of participants. Radiobiology investigations will evaluate thermoradiosensitivity and the molecular markers for thermoradiosensitivity. Methodology. Phase III randomised clinical trial involving 236 HIV-negative and -positive stage IIb-III locally advanced cervical cancer patients. Treatment includes cisplatin, external beam radiation, and brachytherapy. The study group will receive oncothermia treatments. Participants will be monitored for two years after completion of treatment. Hypothesis. The addition of oncothermia to standard treatment protocols will result in improved clinical response without increasing treatment toxicity in HIV-positive patients or raising healthcare costs.
27
Leshoro, Temitope L. A. "Does the Repurchase Rate Affect Inflation in South Africa? An Empirical Analysis Using an Impulse Response Function." Journal of Economics and Behavioral Studies 6, no. 7 (July 30, 2014): 524–31. http://dx.doi.org/10.22610/jebs.v6i7.513.
Full textAbstract:
The repurchase rate (repo rate) is the most common monetary policy instrument that the South African Reserve Bank (SARB) uses to control inflation and endeavours to keep it within the inflation target band of 3% to 6%. This study examines the effect of the repo rate on inflation rate along with other variables using the Impulse-Response Function (IRF) of a Vector Autoregressive (VAR) technique. This study uses quarterly data spanning over the period 1980Q2 to 2013Q3. The response of a shock in repo rate on inflation rate and vice versa is generally positive. The results show that given one standard deviation shock in the repo rate, inflation rate will initially increase up until the second quarter after which it starts to decline, and increases again in the fifth quarter. The results obtained from the VAR granger causality test show that repo rate leads the gross domestic product (GDP) growth and inflation rate. There is bidirectional causality between inflation and repo rate; and the result is the same, even after structural break was accounted for. The VAR shows no evidence of instability and autocorrelation, hence the results are reliable. The study suggests some policy recommendations.
28
Vilborn, Piret, Andre Uys, Zarah Yakoob, and Tanita Cronje. "Evaluation of radiation awareness among oral health care providers in South Africa." South African Dental Journal 76, no. 3 (April 30, 2021): 122–28. http://dx.doi.org/10.17159/2519-0105/2021/v76no3a1.
Full textAbstract:
The aim of this study was to assess the awareness of oral health care providers and dental students regarding radiation safety, protection and legislation pertaining to dental radiography in South Africa. An online questionnaire consisting of 20 structured multiple-choice questions was distributed among final year students and oral health care providers. The mean, median, standard deviation (SD) and frequencies were determined statistically to compare the number of correct answers for each responder group. In total, 189 questionnaires were analysed. The average number of correct answers was 11.6 out of 20 (58%) for all responders. Dental students presented with the highest percentage (66%) of correct answers. Higher radiation awareness was evident among the respondents who had undertaken continued education courses. Radiation awareness among oral health care providers in South Africa needs improvement. Greater emphasis should be placed on dental radiology courses to increase the knowledge and awareness. However, there is no officially established benchmark of radiation awareness in South Africa.
29
Naga, Mridula S. "Mental healthcare services in Mauritius." International Psychiatry 4, no. 3 (July 2007): 64–66. http://dx.doi.org/10.1192/s1749367600001934.
Full textAbstract:
The Republic of Mauritius is a group of islands in the south-west of the Indian Ocean, consisting of the main island of Mauritius, Rodrigues and several outer islands, situated 900 km to the east of Madagascar. It has a total land area of 2040 km2 and a population of around 1.2 million. Mauritius has a multiracial population whose origins can be traced mainly to Asia, Africa and Europe. English is the official language but French remains the most widely spoken, along with the local dialect, Creole, which is derived from French. Mauritius is classified as an upper middle income country in sub-Saharan Africa by the World Bank. It has a per capita gross domestic product (GDP) of US$13 200.
30
KEVIN, NZOUSSI, and Li Jiang Feng. "The proliferation of informal sector activities in Congo: Case of the city of Brazzaville." JOURNAL OF SOCIAL SCIENCE RESEARCH 11, no. 1 (April 13, 2017): 2322–28. http://dx.doi.org/10.24297/jssr.v11i1.6021.
Full textAbstract:
The underground of the countries of Africa south of the Sahara is full of enormous potentialities and raw materials of all kinds. But the population of Africa in general and of Africa south of the Sahara, in particular, remains the poorest in the world. A contrast which can be justified by the political and economic instability, the corollary of which is poor management, the drop in the standard of living. The economic potential of these countries does not reflect the level of populations that generally languish in enormous poverty without real livelihoods. Beginning in the 1980s, a large-scale economic crisis shook virtually all African countries because of the stringent restrictions and measures imposed by the Bretton Woods institutions, notably the International Monetary Fund and the World Bank. In order to cope with the increasingly difficult living conditions, the populations of which were the main victims, that is to say, the populations will gradually organize themselves and several activities will emerge. These activities are part of the informal sector. It is, therefore, a sector that brings together unemployed people looking for employment and societal well-being who organize themselves to face everyday problems. This means that it is a lucrative sector that is constantly absorbing unemployment in Congo in general and Brazzaville in particular.
31
Fuchs, Michelle MM. "The Impact of the National Credit Act 34 of 2005 on the Enforcement of a Mortgage Bond: Sebola v Standard Bank of South Africa Ltd 2012 5 SA 142 (CC)." Potchefstroom Electronic Law Journal/Potchefstroomse Elektroniese Regsblad 16, no. 3 (May 3, 2017): 376. http://dx.doi.org/10.17159/1727-3781/2013/v16i3a2377.
Full textAbstract:
When a mortgagor is in default and the mortgagee wants to enforce the debt the National Credit Act (hereafter the NCA) may apply. A credit agreement may be enforced in court by a credit provider against a defaulting debtor only once the requirements of sections 129 and 130 of the NCA have been adhered to. If a mortgagor (who is a protected consumer in terms of the NCA) is in default, the mortgagee must deliver a section 129(1) notice to the consumer, thereby drawing the default to the attention of the consumer. For a number of years there has been uncertainty about the interpretation of section 129(1) and how it affects the execution procedure in the case of a mortgage bond over immovable property. The recent Constitutional Court judgment of Sebola v Standard Bank 2012 5 SA 142 (CC) overturns, to my mind, the more reasonable approach to such notices in Rossouw v Firstrand Bank Ltd (2010 6 SA 439 (SCA)). It was held in Sebola that before instituting action against a defaulting consumer, a credit provider must provide proof to the court that a section 129(1) notice of default (i) has been despatched to the consumer's chosen address and (ii) that the notice reached the appropriate post office for delivery to the consumer, thereby coming to the attention of the consumer. In practical terms the credit provider must obtain a post-dispatch "track and trace" print-out from the website of the South African Post Office. There is now a much heavier burden on a bank to ensure that proper proof is provided that the notice was sent and delivered to the correct address. Consequently it places another hurdle in the path of a mortgagee who wishes to foreclose.
32
Daru, Barnabas H., Michelle van der Bank, Abubakar Bello, and Kowiyou Yessoufou. "Testing the reliability of standard and complementary DNA barcodes for the monocot subfamily Alooideae from South Africa." Genome 60, no. 4 (April 2017): 337–47. http://dx.doi.org/10.1139/gen-2015-0183.
Full textAbstract:
Although a standard DNA barcode has been identified for plants, it does not always provide species-level specimen identifications for investigating important ecological questions. In this study, we assessed the species-level discriminatory power of standard (rbcLa + matK) and complementary barcodes (ITS1 and trnH-psbA) within the subfamily Alooideae (Asphodelaceae), a large and recent plant radiation, whose species are important in horticulture yet are threatened. Alooideae has its centre of endemism in southern Africa, with some outlier species occurring elsewhere in Africa and Madagascar. We sampled 360 specimens representing 235 species within all 11 genera of the subfamily. With three distance-based methods, all markers performed poorly for our combined data set, with the highest proportion of correct species-level specimen identifications (30%) found for ITS1. However, when performance was assessed across genera, the discriminatory power varied from 0% for all single markers and combinations in Gasteria to 63% in Haworthiopsis, again for ITS1, suggesting that DNA barcoding success may be related to the evolutionary history of the lineage considered. Although ITS1 could be a good barcode for Haworthiopsis, the generally poor performance of all markers suggests that Alooideae remains a challenge. As species boundaries within Alooideae remain controversial, we call for continued search for suitable markers or the use of genomics approaches to further explore species discrimination in the group.
33
Chamisa, Inchien. "Civilian Abdominal Gunshot Wounds in Durban, South Africa: A Prospective Study of 78 Cases." Annals of The Royal College of Surgeons of England 90, no. 7 (October 2008): 581–86. http://dx.doi.org/10.1308/003588408x301118.
Full textAbstract:
INTRODUCTION Violence has become part and parcel of the daily routine of living in South Africa. This prospective study of 78 patients who sustained abdominal gunshot wounds was undertaken to evaluate the pattern of injuries, treatment outcome and the role of selective conservative management. PATIENTS AND METHODS All patients with abdominal gunshot wounds admitted into the accident and emergency department of Prince Mshyeni Memorial Hospital (PMMH) between January 2005 and June 2005 were included in this prospective study. Case notes were reviewed and data entered on a standard proforma by a single observer (IC). RESULTS A total of 78 patients who sustained abdominal gunshot wounds were included in the study. There were 68 males and 10 females with an age range of 16–60 years (median age, 25 years). Of these, 59 (76%) underwent emergency laparotomy and 19 (24%) were initially observed. Two patients in the observed group needed a delayed laparotomy, both with positive findings. Fifty-five (71%) patients had one entrance wound each and 23 (29%) had multiple entrance wounds. Forty-one (53%) patients had exit wounds and in 37 (47%) the bullet remained lodged in the body. The entrance wounds were in anterior abdominal wall in 50 patients, posterior trunk in 13, gluteal region in 11 and thorax in 4 patients, respectively. Twelve patients died, all from the emergency laparotomy group. There were two negative laparotomies from the laparotomy group. CONCLUSIONS Management of gunshot wounds is expensive and requires a variety of surgical skills. We recommend that a national database to which all gunshot wounds must be reported is required in order to assess the magnitude of the problem nationally as well as funding of research in injury control. This study along with many others shows that selective conservative management is feasible without the use of expensive investigations.
34
Alemu, Getaneh, and Mohammedaman Mama. "Assessing ABO/Rh Blood Group Frequency and Association with Asymptomatic Malaria among Blood Donors Attending Arba Minch Blood Bank, South Ethiopia." Malaria Research and Treatment 2016 (January 27, 2016): 1–7. http://dx.doi.org/10.1155/2016/8043768.
Full textAbstract:
Background. Determination of the various ABO/Rh blood group distributions and their association with malaria infection has paramount importance in the context of transfusion medicine and malaria control. Methods. Facility based cross-sectional study was conducted from February to June, 2015, to assess ABO/Rh blood groups distribution and their association with asymptomatic malaria. A structured questionnaire was used to collect data. Blood grouping was done using monoclonal antibodies. Thin and thick blood films were examined for Plasmodium parasites. Data were analyzed using SPSS version 20.0. Results. A total of 416 blood donors participated with median age of 22±0.29 (median ± standard error of the mean). Distribution of ABO phenotypes, in decreasing order, was O (175, 42.1%), A (136, 32.7%), B (87, 20.9%), and AB (18, 4.3%). Most of them were Rh+ (386, 92.8%). The overall malaria prevalence was 4.1% (17/416). ABO blood group is significantly associated with malaria infection (P=0.022). High rate of parasitemia was seen in blood group O donors (6.899, P=0.003) compared to those with other ABO blood groups. Conclusion. Blood groups O and AB phenotypes are the most and the least ABO blood groups, respectively. There is significant association between ABO blood group and asymptomatic malaria parasitemia.
35
Jonck, Petronella, and Eben Swanepoel. "The influence of corruption: a South African case." Policing: An International Journal of Police Strategies & Management 39, no. 1 (March 21, 2016): 159–74. http://dx.doi.org/10.1108/pijpsm-06-2015-0076.
Full textAbstract:
Purpose – A growing public concern among South African citizens is that of corruption in law enforcement, an awareness of which causes significant tension in the community – police relationship. The purpose of this paper is to investigate how law enforcement corruption influences service delivery satisfaction and public trust. Design/methodology/approach – Data from the Victims of Crime Survey 2013/2014 for all nine provinces in South Africa were utilised, yielding a final sample of 25,605 respondents. By means of standard multiple-regression analysis, the study established that corruption statistically significantly influence service delivery satisfaction and public trust. Findings – The demographic variables that statistically significantly influenced the aforementioned dependent variables were province, population group and age. Gender and religion were not found to influence law enforcement public trust and service delivery satisfaction significantly. Research limitations/implications – It is recommended that the findings be used to stimulate public debate and renew efforts to curb law enforcement corruption specifically by emphasising police integrity. Practical implications – Limited empirical evidence can be found on the influence of law enforcement corruption on service delivery satisfaction and public trust especially in South Africa where police corruption is a serious concern. Determining the consequences of perceived corruption underscore the importance thereof and will renew efforts to curb as such the prevalence thereof. Social implications – The case study of South Africa could provide valuable lessons not only for South African policy makers but for other countries perilled by high crime rates, a lack of public trust and social segmentation. Originality/value – Limited empirical evidence could be found on the influence of law enforcement corruption on service delivery satisfaction and public trust especially in South Africa where police corruption is a serious concern.
36
Moroke, Ntebogang Dinah. "The robustness and accuracy of Box-Jenkins ARIMA in modeling and forecasting household debt in South Africa." Journal of Economics and Behavioral Studies 6, no. 9 (September 30, 2014): 748–59. http://dx.doi.org/10.22610/jebs.v6i9.534.
Full textAbstract:
Abstract: This paper adopted the Box-Jenkins methodology to estimate a univariate time series model. Quarterly data collected from the South African Reserve Bank covering the period 1994 to 2014 was used. The initial plot of the series revealed that household debt is explained by an irregular and non-seasonal component. Owing to the non stationarity of the series, first differencing was applied to induce stationarity. The ACFs and PACFs identified six models. Of the six identified models,ð´ð‘…ð¼ð‘€ð´ 3, 1, 0 was selected according to the standard error estimates and the information criteria. The proposed model passed all the diagnostic tests and was further used for producing ten period forecasts of household debt. The forecasted household debt rates obtained were above 75% and within confidence bounds of 95%. Insample and out-of-sampling forecasts moved together confirming the reliability of the model in forecasting household debt and vigour in predictive ability. The proposed model exhibited the best performance in terms of Max APE and Max AE and ascertained the robustness and accuracy of the BoxJenkins ARIMA in forecasting. Both a trend of the data captured and non-seasonal peaks were predicted by the model. These forecasts were proven to be realistic and a true reflection of economic reality in the country. The paper recommended a non-seasonalð´ð‘…ð¼ð‘€ð´ 3, 1, 0 be used by researchers, policy makers and decision makers of different countries to make forecasts of household debt. The South African authorities were also encouraged to use this model to produce further forecasts of the series when making long term planning.
37
Spaull, Nicholas. "Disentangling the language effect in South African schools: Measuring the impact of ‘language of assessment’ in grade 3 literacy and numeracy." South African Journal of Childhood Education 6, no. 1 (December 3, 2016): 20. http://dx.doi.org/10.4102/sajce.v6i1.475.
Full textAbstract:
The aim of this article is to exploit an unusual occurrence whereby a large group of South African grade 3 students were tested twice, 1 month apart, on the same test in different languages. Using a simplified difference-in-difference methodology, it becomes possible to identify the causal impact of writing a test in English when English is not a student’s home language for 3402 students. The article aims to address the extent to which language factors (relative to non- language factors) can explain the high levels of underperformance in reading and mathematics in South Africa. I find that the language of assessment effect is between 0.3 and 0.7 standard deviations in literacy and 0 and 0.3 standard deviations in numeracy. This is approximately 1–2 years worth of learning in literacy and 0–1 year worth of learning in numeracy. By contrast, the size of the composite effect of home background and school quality is roughly 4 years worth of learning for both numeracy (1.2 standard deviations) and literacy (1.15 standard deviations). These results clearly show that the ‘language effect’ should be seen within the broader context of a generally dysfunctional schooling system. They further stress the importance of the quality of instruction, not only the language of learning and assessment. The fact that the literacy and numeracy achievement of South African children is so low in grade 3 (prior to any language switch to English in grade 4) should give pause to those who argue that language is the most important factor in determining achievement, or lack thereof, in South Africa.
38
Gordon, Rob. "Not Quite Cricket: “Civilization on Trial in South Africa”: A Note on the First “Protest Film” Made in Southern Africa." History in Africa 32 (2005): 457–66. http://dx.doi.org/10.1353/hia.2005.0009.
Full textAbstract:
Michael Scott, the long-term Gandhi-esque opponent of the South African government, was a man of many talents and one of his ignored skills was using a cine-camera. Between 1946 and 1948 as he worked in Tobruk squatter settlement near Johannesburg and environs and traveled to Namibia, in addition to his powerful writing, he also filmed scenes he encountered. The purpose of this note is to share the delight of viewing “Civilization on Trial in South Africa.” It is, as far as I can ascertain, the first “protest” film made in South Africa, yet is not mentioned in the standard histories of film in southern Africa (Cancel 2004, Davis, 1996, Botha/van Aswegen 1992, Tomaselli 1988). While working on another project I fortuitously came across a copy in the Smithsonian Film Archives that I had copied and have deposited in the Namibian Archives.The Smithsonian catalog dates this 24-minute edited black and white film to ca. 1950, and believes that it was shot between 1946 and 1952, prior to the implementation of the Group Areas Act, although it seems likely that shooting was completed earlier, before Scott was declared a Prohibited Immigrant in the late 1940s. Certainly, reading the documents on Scott's travels to Namibia, it seems likely that portions of his film was shot before 1948. In his autobiography, A Time to Speak, Scott mentioned showing the film in 1949 (Scott 1958:248). The Smithsonian obtained the film from the late Colin Turnbull, an Oxford educated Africanist anthropologist (J. Homiak, personal comment).
39
Sornarajah, M. "The Unworkability of “Balanced Treaties” and the Importance of Diversity of Approach Among the BRICS." AJIL Unbound 112 (2018): 223–27. http://dx.doi.org/10.1017/aju.2018.60.
Full textAbstract:
There is much rethinking being done about investment treaties. While some level of uniformity existed when there was institutional direction by the World Bank and hegemonic pressure exerted by states in the Global North, geopolitical power is now shifting in ways that are producing greater diversity in approaches to the field. The evidence seems to indicate that each state that is of sufficient size or power will seek to fashion its foreign investment policy in the context of its own circumstances. This is certainly true for Brazil, Russia, India, China, and South Africa (the BRICS). Within this group of newly industrializing countries, it is clear that a uniform approach to investment treaties will not emerge, despite avowals to the contrary. In this essay, I offer an assessment of the divergent paths some of these states have taken. I contend that China has emerged as a newly hegemonic actor in international investment in a way that undermines its traditional role as champion for the Third World, and that India's recent attempt to develop a “balanced approach” to investment treaties is unworkable. Only South Africa has developed an approach that seeks to protect its government's ability to serve the goals of its people by subjecting foreign investment disputes to South African law and courts.
40
Toyin, Megbowon Ebenezer, and Mushunje Abbyssiania. "Income Diversification and its Determinants among Households in Eastern Cape Province, South Africa." Journal of Economics and Behavioral Studies 8, no. 6(J) (January 24, 2017): 19–27. http://dx.doi.org/10.22610/jebs.v8i6(j).1480.
Full textAbstract:
Abstract: Income diversification has been globally identified as a channel for household in reducing vulnerability to shocks, improve standard of living and reduce government fiscal burden. In poverty stricken Eastern Cape Province, the pattern and potential of income diversification for welfare improvement have not been explored. This study aims to examine the pattern of income diversification and investigate the factors that influence income diversification among households in the province. Utilizing the General Household Survey 2014, having 3033 households sampled from the province, the study employed descriptive statistics and Poisson regression model to examine determinants of income diversification. The result revealed that households in the Province are not diversified. It revealed that apart from transfers’, majority (51.5 percent) of households in the province obtain income from only one source. Male headed households tend to have more income sources than the female headed households. Regression result indicates age of household head, population group of the head, education attainment of the head, engagement in agriculture, recipient of remittance and number of economic active member of the household were found to be statistically significant in influencing livelihood diversification. Strategies that can help household in the province diversify their income base need to be promoted, continual engagement in agriculture need to be further encouraged, and individuals and households need to be more informed on government entrepreneurship initiatives like the Broad Black Base Economic Empowerment.Keyword: Income Diversification, Eastern Cape Province, Poisson Regression
41
Tuckett, R. E., D. J. Merritt, F. R. Hay, S. D. Hopper, and K. W. Dixon. "Comparative longevity and low-temperature storage of seeds of Hydatellaceae and temporary pool species of south-west Australia." Australian Journal of Botany 58, no. 4 (2010): 327. http://dx.doi.org/10.1071/bt10011.
Full textAbstract:
The comparative longevity of seeds of species from the early-angiosperm group, Hydatellaceae, along with other temporary wetland aquatics from the South-west Australian Floristic Region were tested under standard experimental storage conditions. In contrast to recent hypotheses proposing that seeds from basal angiosperm species may be short-lived in storage, seeds of the Hydatellaceae species (Trithuria submersa Hook.f. and T. austinensis D.D.Sokoloff, Remizowa, T.Macfarlane and Rudall) were longer-lived than the other temporary wetland aquatic species tested. Seeds of Glossostigma drummondii Benth. (Scrophulariaceae), Myriophyllum petreaum Orchard and M. balladoniense Orchard (Haloragaceae), lost viability quickly and are thus predicted to be short-lived in seed bank storage. To assist seed bank conservation programs, the effect of seed moisture content on the viability of seeds stored for 1, 6 and 12 months at −18°C or in vapour phase cryopreservation (−150°C) was determined. Seeds of all species survived storage at both temperatures for up to 12 months, provided seed equilibrium relative humidity was below ~50%. Given the high conservation value of Hydatellaceae species and the potential short-lived nature of seeds of some of the species, we recommend that ex situ conservation programs for these aquatic species should consider cryopreservation as a means to maximise the longevity of their seeds.
42
Mthembu, Zoleka, and Seugnet Bronkhorst. "Effect of value-added services on transactional behaviour." Business and Management Review 11, no. 02 (December 15, 2020): 149–60. http://dx.doi.org/10.24052/bmr/v11nu02/art-18.
Full textAbstract:
Traditional banking methods evolved and include services as a method of differentiation, reducing operating costs, and providing additional benefits to the customer. Banks re-invented themselves and provide innovative solutions to remain competitive. This research explores whether using value added services contributed to changes in transactional banking behaviour and was done in one of the largest banks in South Africa over a period of four months. Two banking products in the youth customer segment were selected. The control group received one treatment at the beginning of the four-month period, and the experimental group received a further three treatments at different times of each month. Two data sets (1) VAS usage and (2) bank transactions were analysed. The results showed that the intervention had a positive effect on transactional banking behaviour. Additional causative factors were identified that increased the usage of value-added services and increased transactional banking behaviour.
43
Prayagsing, Chakeel, and Kheswar Jankee. "Influence of External Sources of Funding on Corporate Financial Policies in a Pre-Financial Crisis Period in South Africa—A Case Study of Mauritian Enterprises." Journal of Economics and Public Finance 3, no. 3 (June 3, 2017): 287. http://dx.doi.org/10.22158/jepf.v3n3p287.
Full textAbstract:
<p><em>A number of scholars have been motivated to study the manner to which firms adjust their corporate finance strategies in light of the availability and easiness of accessing external sources of funding. Till recently, researchers have also been interested to analyse the external factors that allow firms to relax their fixed budget and the consequent impact on corporate strategies. These mainly include alterations in the composition of their funding and the second round effects on other corporate decisions such as on investment projects and their dividend policies. External financing can be assessed both from a policy perspective, i.e., via financial liberalisation policies, as well as other development in the financial sector such as availability of alternative bases of finance, both from banks and non-banks. It will thus be pertinent to examine the impact of FL policies as well as availability of financial resources on the capital structure of Mauritian firms and their investment decisions in a post financial liberalization period. A judicious investigation is undertaken and the empirical soundness of our different formulations tested with the techniques of panel data and GMM estimates. We compare and contrast the results in the 7 different sectors notably banking, insurance, leasing, hotel, oil, retail/distributive trade and the construction industry. For a better analysis, the full sample of firms is divided into several subsamples as follows: top 100 companies, firms in group-structure, those which are not in group structures, local firms, international firms, firms with good banking ties, those with good and poor corporate governance, listed and unlisted firms. By employing different econometric investment models, we found that all indices of FL, including the index of money market liberalisation, index of capital account liberalisation and overall financial liberalisation index have do not have any influence on private investment behaviour. In contract, higher amount of money in circulation, bank credit, leasing activities and subsidised financing from the Development bank have a positive impact on private investment expenditures. Development in the financial sector in terms of credit facilities offered by insurance companies, venture capitals and the stock market activities have not been effective in inducing firms to increase their investment portfolios.</em></p>
44
Pitman, Sara, John Amolo, and Andrishabeharry Ramraj. "The South African Women Purchasing Behavior and the Zero Moment of Truth." Journal of Economics and Behavioral Studies 10, no. 4(J) (September 14, 2018): 45–53. http://dx.doi.org/10.22610/jebs.v10i4(j).2406.
Full textAbstract:
The decision-making process after online consumers have been stimulated through traditional advertising is a new and crucial part of the traditional three-phase marketing model. This paper was undertaken to understand the relevance of the Zero Moment of Truth (ZMOT) to women in Living Standard Measure (LSM) B in Durban, South Africa. The three questions that were the main focal point of this study aimed to assess the relevance of the ZMOT theory to women in Durban, South Africa within LSM B, the most frequented product categories as well as the platforms that were accessed to gain brand-related information in order to make the purchase decision. Data for this study was collected through mixed methods with a sample group of 100 women. The findings from the research suggest that there is a link between the relevance of core products like groceries and basic household items and the need to make smart purchases, as money needs to be spent wisely. The most frequently accessed category amongst women in LSM B was basic household items and groceries, this category was closely followed by skin care and cosmetics. The most widely accessed platform to search for brand information was the Google search engine.
45
Clark, JR. "Higher log position is not associated with better physical fitness in professional soccer teams in South Africa." South African Journal of Sports Medicine 19, no. 2 (June 15, 2007): 40. http://dx.doi.org/10.17159/2078-516x/2007/v19i2a264.
Full textAbstract:
Objective. To assess the difference in physical fitness of players in successful versus less-successful professional soccer teams in South Africa. Design. Professional soccer players (N = 140) underwent a battery of tests assessing important physiological components during the early part of their competitive season. Players were then separated into two groups on the basis of their teams' final log position in the Premier Soccer League (PSL) in South Africa. Players in successful (N = 70) and less-successful (N = 70) teams were in the top four or bottom six positions on the log respectively. Descriptive statistics (mean ± standard deviation (SD)) were calculated for each group, and independent t-tests were used to compare the means of the groups for each of the physical tests. Main outcome measures. Body composition, flexibility, muscle strength-endurance, power, speed, agility, aerobic endurance, and repeat sprint distance. Results. There were no significant differences between groups for all measures of body composition, flexibility, repeat sprint distance, and agility. Significant differences (p < 0.05) were found for sit-ups, aerobic endurance, and speed, but these were generally small, not meaningful differences in performance. Players in successful squads were significantly (p < 0.01) older than those in less-successful teams. Conclusions. The results demonstrate that in South Africa level of physical fitness is not higher in more-successful compared with less-successful teams in the PSL. Factors other than physical fitness may be more important in determining successful league performance and discrimi-nate better between players in teams with different levels of success. Improving professional soccer performance may require coaches and trainers to focus more attention on technical and tactical skill development in sport-specific training once an acceptable standard of fitness has been attained.. South African Journal of Sports Medicine Vol. 19 (2) 2007: pp. 40-45
46
Vukoszavlyev, Szlobodan. "The connenction between global innovation index and economic well-being indexes." Applied Studies in Agribusiness and Commerce 13, no. 3-4 (December 31, 2019): 87–92. http://dx.doi.org/10.19041/apstract/2019/3-4/11.
Full textAbstract:
We study the connection of innovation in 126 countries by different well-being indicators and whether there are differences among geographical regions with respect to innovation index score. We approach and define innovation based on Global Innovation Index (GII). The following well-being indicators were emphasized in the research: GDP per capita measured at purchasing power parity, unemployment rate, life expectancy, crude mortality rate, human development index (HDI). Innovation index score was downloaded from the joint publication of 2018 of Cornell University, INSEAD and WIPO, HDI from the website of the UN while we obtained other well-being indicators from the database of the World Bank. Non-parametric hypothesis testing, post-hoc tests and linear regression were used in the study.We concluded that there are differences among regions/continents based on GII. It is scarcely surprising that North America is the best performer followed by Europe (with significant differences among countries). Central and South Asia scored the next places with high standard deviation. The following regions with significant backwardness include North Africa, West Asia, Latin America, the Caribbean Area, Central and South Asia, and sub-Saharan Africa. Regions lagging behind have lower standard deviation, that is, they are more homogeneous therefore there are no significant differences among countries in the particular region.In the regression modelling of the Global Innovation Index, it was concluded that GDP per capita, life expectancy and human development index are significant explanatory indicators. In the multivariable regression analysis, HDI remained the only explanatory variable in the final model. It is due to the fact that there was significant multicollinearity among the explanatory variables and the HDI aggregates several non-economic indicators like GII.
JEL Classification: B41, I31, O31, Q55
47
Zimri, K., R. Casper, G. Hoddinott, H. S. Schaaf, A. J. Garcia-Prats, P. C. Rose, A. C. Hesseling, and L. Viljoen. "A novel approach for eliciting adolescent MDR-TB treatment tolerability: qualitative data from South Africa." International Journal of Tuberculosis and Lung Disease 24, no. 1 (January 1, 2020): 43–47. http://dx.doi.org/10.5588/ijtld.19.0207.
Full textAbstract:
SETTING: Treatment tolerability among adolescents diagnosed with multidrug-resistant tuberculosis (MDR-TB) is underexplored. We present qualitative study data from adolescents participating in an observational cohort in the Western Cape, South Africa.OBJECTIVE: To elicit adolescent experiences of MDR-TB diagnosis and treatment with qualitative body-mapping activities and discussions.DESIGN: Adolescents in an observational MDR-TB cohort received routine toxicity and audiology screenings from clinicians. We enrolled eight participants (age 10–16 years) to participate in additional body-mapping activities and in-depth interviews. A thematic deductive analysis was conducted. We present a comparison of the clinical assessments and qualitative discussions.RESULTS: Adolescent participants reported few adverse effects on standard toxicity and audiology reports. Only nausea and vomiting were reported in >10% of cases, all of which were grade 1 (causing no/minimal interference) adverse effects (AEs). However, when comparing toxicity reports with qualitative body-mapping activities and interviews, we found previously unreported AEs (neurosensory alteration, neuromuscular weakness, pain); underestimated severity of AEs (nausea, itching); and missed psychosocial symptoms (signs of depression).CONCLUSION: Adolescents receiving treatment for MDR-TB experienced treatment-related AEs that were not reported during routine clinical assessments. Psychosocial experiences of adolescents are not taken into account. More research is needed to understand the experiences of this vulnerable group. We recommend that drug safety monitoring be adapted to include more creative and patient-driven reporting mechanisms for vulnerable groups, including children
48
Hugo, Anna Johanna. "A snapshot of the use of reading methods in primary schools in three provinces of South Africa." Per Linguam 37, no. 1 (2021): 28–44. http://dx.doi.org/10.5785/37-1-967.
Full textAbstract:
The teaching of reading is not as easy as it may seem. It requires specific knowledge and the use of reading methods by teachers. Learners’ reading needs and learning styles also have to be considered. According to the Progress in International Reading Literacy (PIRLS) results for 2016, the reading abilities of South African learners are far below the international standard as set out by PIRLS. There is a lack of research about the strategies and methods that primary school teachers use to teach reading. In this article, the feedback regarding reading methods – gathered from 36 primary school teachers in three provinces – is discussed. The data revealed that most of the Grade 1 to 7 teachers who participated in the research knew and used some of the six reading methods under discussion. However, the results did not indicate how well the teachers applied these methods and how versatile they were in using the different reading methods. The data revealed that Foundation phase teachers used some of the methods statistically significantly more often than the comparison group of Intermediate phase teachers in a nonexperimental static-group observational design study. According to Spaull (McBride 2019:1), a well-known researcher in South Africa, one of the three main reasons why Foundation phase readers are struggling with reading is that their teachers do not know how to teach reading systematically. Teachers do not know how to change and adapt the methods that they use to teach reading and not enough research has been done to address the problems with the teaching of reading in the classroom specifically. Often the reading problems experienced in the Foundation phase are carried over to the Intermediate phase.
49
Ramaano, Azwindini Isaac. "Potential of ecotourism as a mechanism to buoy community livelihoods: the case of Musina Municipality, Limpopo, South Africa." Journal of Business and Socio-economic Development 1, no. 1 (May 4, 2021): 47–70. http://dx.doi.org/10.1108/jbsed-02-2021-0020.
Full textAbstract:
PurposeThis study evaluates prospects of using ecotourism industry to advance community livelihoods in Musina Municipality, Limpopo, South Africa.Design/methodology/approachUsing questionnaire surveys, interviews primarily, supplemented by focus group discussions and interviews, primary data has been collected reflective of the potentiality of ecotouristic activities in Musina Municipality. To a lesser extent, field observations contribute to these primary sources. Extra insights are obtained through documentary reviews (secondary sources). Data is analyzed using quantitative statistical techniques supplemented by qualitative approaches.FindingsThe study confirmed substantial ecotourism potential of the Musina Municipality and that this potential is manifest irrespective of geographic and demographic factors. However, the study reports a low current ecotourism impact in the Musina Municipality with consequential minimal benefits accruing to the enhancement of the standard of living in the local community. An inference is made that the key gap area impeding the realization of ecotourism potential in the Musina Municipality is the absence of a well-articulated tourism strategy linked to the sustainable economic development of the communities involved. Several fruitful initiatives for ecotourism consonant with local factor endowments are proposed.Originality/valueAlthough, taken in topical isolation, matters of community livelihoods and sustainable development have been increasingly coming to the forefront of research on tourism, few studies have taken a holistic approach predicated on the integration of community livelihood and sustainable development roles of various forms of ecotourism in community development within many rural areas. This study represents the first case study employing an integrated approach to analyze ecotouristic potential of rural Musina Municipality, one of the driest areas in the far North of Limpopo Province, South Africa, characterized by low standard of living juxtaposed with high touristic potential.
50
Maree, J. G., E. C. Olivier, and A. C. Swanepoel. "The 2004 senior Harmony South African Mathematics Olympiad: An analysis of the results of the senio group, second round." Suid-Afrikaanse Tydskrif vir Natuurwetenskap en Tegnologie 23, no. 3 (September 23, 2004): 52–60. http://dx.doi.org/10.4102/satnt.v23i3.193.
Full textAbstract:
South African learners’ insufficient achievement in mathematics is of concern to everyone involved in learning facilitation i mathematics. Interested parties constantly seek ways in which learners’ insight into and achievement in mathematics can be improve in order to equip them to attain a successful life. In this regard mathematics olympiads worldwide are regarded as excellent mechanism to, on the one hand, identify talented learners and improve their problem solving skills in mathematics, and on the other hand, to prepare learners for future study in the field of mathematics in general. This article analyses several aspects of the 2004 Sout African Mathematics Olympiad and offers several suggestions. An important conclusion is that although the Harmony South Africa Mathematics Olympiad accomplishes its goal, it still does not reach as many learners and educators as one would hope. The idea of the Harmony South African Mathematics Olympiad will probably only be realised if all schools are provided with proper facilitie and if the standard of mathematics education is simultaneously improved on a national level. It is therefore vital that all intereste parties discuss and reassess this matter promptly and incisively.