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The effectiveness of South African development finance institutions in providing financial and non-financial support to small businesses: the case of Gauteng Enterprise Propeller
Get PDFMany small business owners struggle to keep their businesses operational due to a lack of financial support. It is unclear whether South African development finance institutions (DFIs) are effective in providing such support to small businesses. The primary objective of this study is to investigate how effective South African DFIs are in fostering sustainable growth in small business enterprises through their financial and non-financial support services. The Gauteng Enterprise Propeller (GEP) is used as a case study. This study is located in the positivistic research tradition and therefore followed a quantitative research approach. Closed-ended questionnaires were distributed to 150 small businesses who were funded by the GEP. Self-constructed instruments were used to measure the independent variables and the dependent variable of the study. Multiple regression analysis was conducted to investigate the hypothesised relationships. Empirical results were that the participants largely disagreed (average mean score of less than two on a five-point scale) that the GEP frequently provides financial and non-financial support to small businesses. The results also demonstrate that the GEP’s marketing material, planning support, financial management and asset acquisition interventions were significantly related to the perceived business success of the sampled small businesses, while operational support interventions were not significantly related. On both a theoretical and practical level, the study adds to the knowledge of which financial and non-financial support interventions play a significant role in the success of small businesses. With the contribution of this study, South African DFIs can improve their financial and non-financial support strategies to assist small businesses in growing their operations. The study also provides a practical assessment of how GEP support recipients experience such support.Thesis (MBA) -- Faculty of Business and Economic Sciences, Business School, 202
Role of leader initiated innovated triggers in motivating employees to innovate in the public sector at a provincial government department in the Western Cape province
Get PDFThe South African public sector has become known for poor service delivery due to a number of factors; these factors include a lack of innovation, or inadequate innovation, which could be as a result of the compliance requirements of various laws and regulations. As a result, the public sector must find ways to innovate within its operating context, even as efforts are being made to reform its structure and manner of operation. This research followed a case study approach, focussed on a provincial government department in the Western Cape province of South Africa, in order to investigate the role of leader-initiated innovation triggers in motivating employees to innovate. The premise was that staff would be motivated to innovate if public sector top leadership demonstrate that it is possible to do so within the current operational framework; this would, potentially, lead to the successful establishment of an innovation culture within the organisation. The methodology employed in this empirical study was exploratory sequential mixed methods research. Senior management from the case subject organisation were interviewed in order to obtain their views on pertinent issues relating to the research topic. Themes that emerged from the interviews were combined with key elements from the literature review in order to formulate a model of how leader-initiated innovation triggers can potentially motivate employees to innovate. The model was subsequently tested, quantitatively, using a questionnaire survey. The study responded to the primary research objective by establishing the existence of moderately positive relationships between leader-initiated innovation triggers and employee motivation to innovate; this confirmed that leaders' display of certain practices, actions and behaviours can motivate employees to innovate and, subsequently, help build an innovation culture within a bureaucratic public sector environment.Thesis (MA) -- Faculty of Faculty of Business and Economic Sciences, 202
Achieving consumers’ water demand through sustainable development
Get PDFThis study is concentrated around achieving consumer water demand through sustainable development of water infrastructure within the King Cetshwayo District, which is still very limited. The goal of this study was to look into the technical issues that arise from inferior project delivery, poor infrastructural maintenance, and the elements that contribute to suboptimal service delivery of water infrastructure projects. This research was conducted using qualitative research, which offers insight from a participant’s point of view. It focuses on human experiences and communal circumstances. It is therefore, sound judgement to use a qualitative research method to collect data using a semi-structured interview guide. The researcher utilised deliberate sampling using purposive sampling. The recruitment process targeted the corporate and the senior management levels. This study's objective was to investigate the elements involved in developing sustainable water infrastructure to fulfil consumers water demand and to identify strategies for using sustainable development techniques to address the water scarcity. The study findings reveal that the main issues with poor service delivery include service delivery issues, cost overruns, unsatisfactory performance, improper use of funds and project completion delays.Thesis (Ma) -- Faculty of Faculty of Business and Economic Sciences, 202
Effects of selected natural flavonoids on an optimized insulin resistance induction model on myotubes and hepatocytes in vitro
No full textIntroduction: As the third largest life-threatening non-communicable disease, further research to improve T2DM treatment remains pivotal. The approved insulin sensitizing agents, metformin and thiazolidinediones, although effective, have an array of adverse effects. This leads to the growing need for safer insulin sensitizing agents. Aims: To induce insulin resistance, an insulin resistance induction (IRI) model consisting of palmitic acid (PA), fructose, and dexamethasone (DEX), was optimized. The model was utilized to compare the insulin sensitizing efficacy of chrysin, apigenin, luteolin, and quercetin. The most effective flavonoid was extrapolated based on the hydroxylation hypothesis and relevant SAR. The flavonoid was combined with metformin to evaluate potential insulin sensitizing synergism. Methods: C3A hepatocytes and L6 myotubes were exposed to the IRI models: IR1, IR2, and OIR, for 24 and 48h. Morphological features indicative of insulin resistance were monitored through high-content analysis (HCA). Thereafter, cells were exposed to OIR and concurrently treated with the selected flavonoids. Cytotoxicity, oxidative stress (OS), mitochondrial content, mitochondrial membrane potential (MMP), and lipid accumulation, were once again evaluated through HCA. Subsequently, quercetin was combined with metformin (QM); insulin resistant conditions established through OIR exposure, and QM administered as prophylaxis. The efficacy of QM was determined through changes in phosphorylated-Akt, glucose uptake, and gluconeogenesis. Results: IR1 and IR2 demonstrated excessive potency, whereas OIR consistently generated insulin resistant C3A/L6 cells by increasing OS (↑14%/20%), lipid accumulation (0.7-fold/1.5-fold), and decreasing MMP (↓4%/6%). Of the selected flavonoids, quercetin was most effective at ameliorating each of these parameters. Furthermore, QM demonstrated potential insulin sensitizing synergism, as it improved Akt phosphorylation (Thr308: ↑31%/↑17%; Ser473: ↑29%), glucose uptake (↑10%/ 5%), and suppressed hepatic gluconeogenesis (15↓%) more effectively compared to monotherapy. Conclusions: OIR is an effective model for the induction of complete early-stage insulin resistance in myotubes and hepatocytes. Quercetin demonstrates exceptional antidiabetic activity due its unique expression of hydroxyl groups. Lastly, QM, comparative to monotherapy, improves insulin sensitivity with enhanced efficacy.Thesis (Ma) -- Faculty of Health Science, 202
The coping experiences of healthcare workers during covid-19 pandemic in the Nelson Mandela Bay health district
Get PDFCOVID-19 increased in prevalence in 2019 and was declared a pandemic in 2020 by the World Health Organisation (WHO). The pandemic arrived in South Africa in March 2020, and drastically impacted the country. One such impact was to healthcare workers, who had contact with COVID-19 patients on an ongoing basis. Increasing pressure was placed on healthcare workers, and they needed to cope with the demands placed on them during the pandemic. The study aimed to explore and describe the coping experiences of healthcare workers during the COVID-19 pandemic in the Nelson Mandela Bay Health District. To meet this aim, a qualitative explorative descriptive research design was used. Data was collected using individual, semi-structured interviews, with a sample of 10 healthcare workers in the Nelson Mandela Bay Health District. The data was analysed using Braun and Clarke’s (2006) Reflexive Thematic Analysis and the trustworthiness of the study was ensured through Guba’s (1985) model of data verification. Social Constructionism was used as a theoretical framework to conceptualise the findings that emerged from the participants within their socio-historical context. Participants shared their coping experiences which were different from the other but shared particular themes. Participants made use a combination of problem, emotion and meaning focused coping strategies during the peaks while utilising predominantly problem focused coping strategies during the lulls. It became apparent that there were differences in coping in terms of the lulls and the peaks with peaks producing fear and anxiety, while lulls bringing a sense of relief.Thesis (Ma) -- Faculty of Health Science, 202
An architecture for feedback-driven learning analytics
Get PDFFeedback from students provides an opportunity to gain insights into students’ learning behaviour and participation in higher education learning and teaching. Academic staff are expected to constantly review and improve the learning and teaching environment where feedback contributes vital information toward pedagogical decision-making. Reviewing student feedback is essential but time-consuming, making it crucial to explore more effective and efficient ways to analyse and present feedback that encourages intervention and support. The general design science research evaluation pattern guided the construction and evaluation of a Feedback-Driven Architecture (FDA) for Learning Analytics (LA) to address this problem. An FDA implementation using a suitable case demonstrated each component validating the feasibility and effectiveness of the proposed design. The components identified for inclusion in the FDA were integrated within layers of a three-tiered architecture pattern. The data layer incorporates the collection, preparation and storage of learning management system data which includes free-form narrative student feedback. The application layer contains logic to support the analysis of free-form narrative student feedback and extraction of learning analytics. Arrangement and visualisation of information in the presentation layer aim to promote appropriate intervention and support. Evaluation using a case study showed that the FDA provided necessary guidelines for developing an implementation that produced feedbackdriven learning analytics. Data preparation transformed unstructured data into a suitable representation for effective analysis. Cohorts within narrative feedback responses were identified using the k-means clustering algorithm and latent Dirichlet allocation. Logistic regression and support vector machines were applied as predictive models and trained using extracted quantitative markers to predict academic success.Thesis (MSc) -- Faculty of Science, School of Computer Science, Mathematics, Physics and Statistics, 202
The use of a novel chemical system towards improving waste tyre pyrolysis and the quality of waste tyre pyrolysis products
Get PDFPyrolysis process is one of the most efficient methods in the waste tyre recycling sector at this moment, hence the attention it is receiving. However, this process has some limitations, with the main one being that it is non-conventional and typically energy intensive. In addition, its resultant products have been reported to have significantly poorer properties relative to their virgin counterparts, making it difficult to incorporate them in the mainstream of raw materials. For instance, waste tyre pyrolysis oil typically has poor fuel properties, high sulfur content, high amount of polycyclic aromatic hydrocarbons (PAHs) and strong unpleasant odour; on the other hand, the quality of the recovered carbon black is dependent on the feedstock and the pyrolysis process conditions. Hence the need for further research and development to make the process effective and improve the quality of resultant products. The aim of this research project was to study the impact of pre-pyrolysis treatment of tyre crumbs and post-pyrolysis treatment of the oil using a novel chemical system on the quality/composition of the resultant products. In addition, the study compared the impact of pre- and post-pyrolysis treatments on the optimum pyrolysis time and temperature (energy). The equipment employed in this study included a vertical fixed bed pyrolysis pilot reactor (modified to suit the reaction/experiment) as well as characterization techniques such as fourier transform infrared (FTIR), elemental analysis (carbon, hydrogen, nitrogen and sulfur – CHNS analysis), gas chromatography coupled to mass spectrometer (GCMS), gas chromatography coupled to flame photometric detector (GCFPD), thermo-gravimetric and derivative analysis (TG/DTG isothermal analysis, and proximate analysis) and scanning electron microscope (SEM). The highlight of the findings is that chemically pre-treating tyre crumbs with a mixture of protonic acid and organic solvent before pyrolysis significantly lowered the temperature required to pyrolyze them, from around 400-500 ℃ to 100-115 ℃. This meant that by using the chemical treatment on waste tyres a lot of energy can be saved. In addition, the sulfur content in the oil fraction was reduced from a total of 1.7 wt% to a total of about 0.2 wt%. This also showed that the contaminants in oil were significantly reduced. The oil was condensed into three (3) collectors for fractionation; in collector 2 was about 54 % of the total oil with sulfur content of about 0.015 wt%. The PAHs amounts were also lowered, as literature indicated that PAHs are mostly formed at around 600-700 ℃. It was also found that the oil produced from post-pyrolysis treatment of oil has a petroleum-like smell, whereas the pre-pyrolysis treated oil has a tyre-like pungent odour. Furthermore, the post-pyrolysis treated oil contains higher contents of alkanes and benzene, toluene, xylene (BTX). Findings of this study have a profound potential impact on the waste tyre recycling industry; for example, reduced production energy cost due to lowered temperature required for pyrolysis, improved quality of the products such as lowered sulfur and PAHs content as well as improved quality of the residual char and odour.Thesis (PhD) -- Faculty of Science, School of Biomolecular and Chemical Sciences, 202
The influence of financial education on the financial literacy Of higher certificate students at the Nelson Mandela University
Get PDFSouth Africa has low levels of financial literacy. This includes students, even though they are educated. The literature reveals South African students struggle to grasp personal finance concepts, specifically related to saving, monitoring debt and budgeting. It is well-known that financial education improves financial literacy, however, financial education is not implemented as a stand-alone subject for students at primary and high school level in the South African context. Financial education is only implemented into specific learning areas in the curricula such as Economic Management Sciences, Mathematical Literacy, Mathematics, Accounting, Business Studies and Economics. At university level, some students from specific faculties are exposed to a financial education module. A gap in the literature warranted a longitudinal investigation among students to discover the impact of university financial education on financial literacy. There is a lack of research to assess the financial literacy of students by measuring their financial knowledge and financial skills objectively. It is crucial to determine whether a relationship exists between financial education and financial literacy involving South African students. Hence, according to this, the primary objective of the study was to investigate the influence of financial education on financial literacy of Higher Certificate (Business Studies) students at Nelson Mandela University. The rationale behind choosing these students as a sample is because the programme comprises a Fundamentals of Personal Finance module which focused on day-to-day financial education. Two literature review chapters were conducted to accomplish the primary objective of the study. The first literature review focused on the nature and importance of financial education, core components of financial education, sources of financial education, personal finance module as well as the impact of financial education on financial literacy. This led to the second literature review, which examined the exposure of financial education on financial literacy levels. In addition, financial literacy components and the relationship between financial education on financial literacy were discussed. Thereafter, the hypotheses of the study were developed to empirically test the sample on their financial literacy levels before and after exposure to financial vi education by measuring financial knowledge, financial skills, financial attitude and financial behaviour. An online questionnaire was used to collect data from the respondents before exposure to the Fundamentals of Finance module to determine their financial literacy levels. The same questionnaire was completed by the respondents to discover whether financial literacy levels stayed the same, declined or improved after exposure to financial education. Through convenience and criterion sampling, 233 usable questionnaires were collected before exposure to financial education which translated into an effective rate of 64.54 percent. Following this, 77 usable questionnaires were collected after financial education exposure which was interpreted as an effective rate of 61.60 percent. The low response rate was due to the level of computer literacy amongst the respondents, some respondents may have not had access to a laptop, computer desktop or mobile device, and the respondents were busy preparing for examinations. The empirical data was analysed through STATISTICA by performing Confirmatory Factor Analysis (CFA) tests, reliability tests (Cronbach Alpha), descriptive statistics related to the demographics of the respondents, mean scores and standard deviations. Further statistical analyses were conducted through Pearson’s Product Moment Correlation Coefficient tests to determine the nature of the relationships between financial knowledge, financial skills, financial attitude and financial behaviour. Paired t-tests were conducted to discover the differences in the mean scores in the financial literacy levels of respondents before and after exposure to financial education. The empirical results revealed significant relationships between financial education and financial knowledge; financial education and financial skills; financial education and financial attitude; financial education and financial behaviour. This led to all four hypotheses of the study being accepted. The financial knowledge, financial skills and financial attitude of Higher Certificate (Business Studies) students did not improve after completing the Fundamentals of Personal Finance module. Only the financial behaviour of these students improved after financial education exposure. The results of the study provided the basis for the development of recommendations to improve financial literacy levels by providing financial education content that is suitable for individuals in different stages of their lives.Thesis (MA) -- Faculty of Faculty of Business and Economic Sciences, 202
A critical analysis of the criteria applied in South Africa to distinguish an independent contractor from an employee for income tax purposes
Get PDFThe study set out to critically analyse the criteria used by South Africa to determine the distinction between independent contractors and employees. Comparisons are also drawn with the criteria used in the United Kingdom(UK) and New Zealand (NZ) to assess whether there are new ideas that can be drawn from these and help improve the criteria used in South Africa. This was motivated by the ongoing debates around this issue and the desire to make a contribution that might bring some new insights and clarity. Under South African tax legislation employers are only obliged to deduct income tax from persons identified as employees while on the other hand, they cannot deduct tax contributions from the money paid to independent contractors for services rendered. Furthermore, there is no statutory definition for the term “independent contractor” in the Income Tax Act of South Africa nor in the country’s labour legislation. The definition of this term has largely been established by the labour courts in instances where disputes have arisen around these matters. Using a doctrinal research method (including a comparative legal research), which is a qualitative research approach, articles, statutes, judgements, explanatory memoranda, and policy documents on the subject under investigation were analysed. It is submitted that the criteria used in the two countries used in the comparison are similar to the ones used in South Africa, with some variations. All three countries use similar tests to make their determinations and a survey of the UK and NZ’s case law indicates that the most preferred criteria are the multifactoral approach to determine the true nature of the relationship between employers and their employees. This approach has been found to be more flexible which allows it to accommodate the changes that are occurring in the world of work. In the South African context, the labour court has adopted a substance-over-form approach in making their determinations, arguing that the nature of the working relationship between employer and employee is a more important indicator than the mere contents of a written contract. The labour court has also used labour legislation mainly to assist in the interpretation of the distinction between independent contractors and employees. The study established that the criteria used in the UK is a bit more complex because workers are put in three different categories and the definition of employee is not 4 uniform in all the available statutes. In New Zealand the multiple factor approach is preferred just like in South Africa. In conclusion is submitted that the study established that there is nothing, other than the UK’s Mutuality of Obligation Test, that would assist in further clarifying the criteria used to classify employees or independent contractors in South AfricaThesis (MA) -- Faculty of Faculty of Business and Economic Sciences, 202
Township economy performance and contribution towards economic development in Nelson Mandela Bay: Assessment using the circular flow of money
Get PDFThe study sought to explore township economic performance and contribution towards economic development in Nelson Mandela Bay, using the circular flow of money model. The study surveyed households and businesses in one of the townships in Nelson Mandela Bay (Kwazakhele). The survey reached out to 100 households and 100 businesses, totalling 200 participants. Data were analysed using descriptive and inferential statistics. The current state of the township economy is not a desirable one. There are more leakages than injections into the township economy. More township residents (especially high-income earners) choose to shop outside the township for goods because the township does not have the goods that residents need. Key findings show that township businesses are small in nature, primarily sole propriety and operate informally in the streets. Most people who work, earn R3500 and below and spend most of their income on food and groceries. Supply for the most consumed products in the township comes mainly from outside the township, and there is no circular flow in the township economy. However, there are more people working inside the township than those who work outside the township. More essential goods are found in the township than before, so residents do not have to travel outside the township to get basic groceries and food. Other findings show that the government is not intervening enough to help the township businesses through policy implementation and financial aid. Businesses in the township do not pay taxes, and this can limit what the government can do to help them. There are other business constraints that are prohibiting the township businesses to reach the optimum level, and the top cited constraint is Crime. The study recommended that government should intervene by passing a bill like the Gauteng Township Economy Bill that aims at assisting township businesses. Households should come up with other streams of income through entrepreneurship so that they can not only depend on government social grants for income. Businesses should form bulk buying groups to increase buying power to be competitive. Lastly, businesses should seek alternative sources of power because electricity is expensive, and the load-shedding is prohibiting township businesses from running efficiently.Thesis (MA) -- Faculty of Faculty of Business and Economic Sciences, 202