An assessment of the National Credit Act 34 of 2005 as a vehicle for expanding financial inclusion in South Africa
- Authors: Wazvaremhaka, Tinashe
- Date: 2017
- Subjects: South Africa. -- National Credit Act, 2005 Credit -- Law and legislation Financial institutions -- Law and legislation -- South Africa
- Language: English
- Type: Thesis , Masters , LLM
- Identifier: http://hdl.handle.net/10353/9045 , vital:34221
- Description: The advancement of financial inclusion is at the top of the international development agenda for policy makers and development institutions. Empirical evidence indicates that households that participate in the mainstream financial services sector can start and grow businesses, manage risk, invest in education, save and absorb financial shocks. National Treasury recently recognised financial inclusion as a policy priority and emphasised the need to enhance it under the new twin peaks system of regulation. This study submits that a conducive legal and regulatory framework is an important key to unlocking the benefits of financial inclusion. More pointedly, it demonstrates that the National Credit Act 34 of 2005 (NCA) plays a central role in promoting financial inclusion since access to unsafe and exploitative credit can lead the poor to pay more, and thereby affecting their ability to access credit and other financial services. Although financial inclusion has been improving in South Africa, over-indebtedness remains pervasive. Access to credit has been exacerbating the financial exclusion of many historically disadvantaged and low income consumers in spite of the NCA. Therefore, this study undertakes a critical assessment of selected aspects of the NCA with a view to determining whether the Act is up to the task of expanding financial inclusion in South Africa. Arguments and suggestions have been made in this study to refine the NCA (and other related laws) such that it promotes access to safe and affordable credit for previously disadvantaged and low income population groups, encourages responsible lending and provides effective debt relief mechanisms.
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- Date Issued: 2017
An investigation into the use of intuitive control interfaces and distributed processing for enhanced three dimensional sound localization
- Authors: Hedges, Mitchell Lawrence
- Date: 2016
- Subjects: Human-computer interaction , Acoustic localization , Sound -- Equipment and supplies , Acoustical engineering , Surround-sound systems , Wireless sensor nodes
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4724 , http://hdl.handle.net/10962/d1020615
- Description: This thesis investigates the feasibility of using gestures as a means of control for localizing three dimensional (3D) sound sources in a distributed immersive audio system. A prototype system was implemented and tested which uses state of the art technology to achieve the stated goals. A Windows Kinect is used for gesture recognition which translates human gestures into control messages by the prototype system, which in turn performs actions based on the recognized gestures. The term distributed in the context of this system refers to the audio processing capacity. The prototype system partitions and allocates the processing load between a number of endpoints. The reallocated processing load consists of the mixing of audio samples according to a specification. The endpoints used in this research are XMOS AVB endpoints. The firmware on these endpoints were modified to include the audio mixing capability which was controlled by a state of the art audio distribution networking standard, Ethernet AVB. The hardware used for the implementation of the prototype system is relatively cost efficient in comparison to professional audio hardware, and is also commercially available for end users. the successful implementation and results from user testing of the prototype system demonstrates how it is a feasible option for recording the localization of a sound source. The ability to partition the processing provides a modular approach to building immersive sound systems. This removes the constraint of a centralized mixing console with a predetermined speaker configuration.
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- Date Issued: 2016
An investigation of enabling and constraining factors affecting the supply and demand of specific biodiversity scarce skills to the biodiversity sector
- Authors: Mckrill, Leanne Joy
- Date: 2015
- Subjects: Rhodes University , GreenMatter (South Africa) , CATHSSETA (South Africa) , Labor demand -- South Africa , Biodiversity conservation -- Employees -- Supply and demand -- South Africa , Wildlife veterinarians -- Supply and demand -- South Africa , Freshwater ecology -- Employees -- Supply and demand -- South Africa
- Language: English
- Type: Thesis , Masters , MEd
- Identifier: vital:2067 , http://hdl.handle.net/10962/d1020837
- Description: This study is situated within the context of the emerging South African Biodiversity Sector and focuses on the supply of and demand for scarce skilled biodiversity professionals. It does so through investigating the transition a young biodiversity professional makes from a higher education institution to the workplace by drawing attention to the factors encountered or perceived to be encountered during this development. The study forms part of a research programme established between Rhodes University, GreenMatter and the Culture Arts Tourism Hospitality Sport Education and Training Authority (CATHSSETA), which seeks to contribute to the body of knowledge pertaining to "green" skills development and retention within the South African biodiversity sector. It is a qualitative study, comprising nested case studies within two larger case studies of scarce skills – those of wildlife veterinarians and freshwater ecologists – as identified by the biodiversity priority scarce skills list (SANBI & Lewis Foundation, 2012). The study is supported by Bronfenbrenner's (1979) Ecological Systems theory and underpinned by the principles of basic critical realism and emergence (Archer, Bhaskar, Collier, Lawson, & Norrie, 1998). Data was generated through a range of data collection methods, including semi-structured interviews, participant observation and document analysis. The aim of these methods was to enable a greater understanding of the factors influencing transitioning and the unique transitions of selected individuals. Findings revealed that the transitions of the participants, although unique to each of them, included the following commonalities: exposure to biodiversity at an early stage in an individual's life paved the way for the development and nurturing of an interest or passion in biodiversity; experience gained prior to entry into the workplace is a powerful enabling factor; the presence or absence of a mentor can be pivotal in the transition of an individual; the gap in knowledge pertaining to demand side or workplace information is a large constraining factor; workplace dynamics affect the demand for, and eventual supply of, biodiversity professionals; the presence of human capital development strategies and structures is beneficial to the individual's transition, and the overall ecosystemic development of an individual has an effect on the supply of specific scarce-skilled individuals to the workforce. This study demonstrates that through the employment of nested case studies, similar research focussing on other scarce skills within the biodiversity sector, as per the GreenMatter Priority Skills List of 2012, can be produced, which would help to address the knowledge gaps pertaining to scarce skills, as indicated by the Biodiversity Human Capital Development Strategy (2010).
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- Date Issued: 2015
Exploring the development of an integrated, participative, water quality management process for the Crocodile River catchment, focusing on the sugar industry
- Authors: Sahula, Asiphe
- Date: 2015
- Subjects: Water quality management -- South Africa -- Krokodilrivier (Mpumalanga) , Watersheds -- South Africa -- Krokodilrivier (Mpumalanga) , Integrated water development -- South Africa -- Krokodilrivier (Mpumalanga) , Water quality management -- Social aspects -- South Africa -- Krokodilrivier (Mpumalanga) , Social responsibility of business -- South Africa -- Krokodilrivier (Mpumalanga) , Water quality -- South Africa -- Krokodilrivier (Mpumalanga)
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:6051 , http://hdl.handle.net/10962/d1017876
- Description: Water quality deterioration is reaching crisis proportions in South Africa. Many South African catchments are over-allocated, and decreasing volumes of source water mean increasing concentrations of pollutants. The Crocodile River Catchment in the Mpumalanga province in South Africa was identified through previous research, as a catchment faced with deteriorating source water quality for water users in the catchment. Poor source water quality has become a sufficiently acute concern for the stakeholders in this catchment to co-operate in developing a process that assists with compliance control of their water use and waste disposal to reduce costs, decrease industrial risks as water quality compliance increases, and improve source water quality. The sugar industry is downstream within the Crocodile River Catchment, and is affected by the activities of all upstream water users; the industry is thus dependent on the stakeholders upstream participating in the effective management of the resource. However, the sugar industry is also located just before the confluence of the Crocodile River and Komati River upstream of the Mozambique border, and thus the water quality of the sugar industry effluent will affect the quality of the water that flows into Mozambique. The sugar industry is on the opposite river bank to the Kruger National Park, which has high water resource protection goals. Therefore, the sugar industry has a national role to play in the management of water resources in the Crocodile River Catchment. This study provides a focused view of the role of the sugar industry in the development of a co-operative, integrated water quality management process (IWQMP) in the Crocodile River Catchment. In order to address the objectives of this study, this research drew from an understanding of the social processes that influence water management practices within the sugar industry as well as social processes that influence the role of the Inkomati-Usuthu Catchment Management Agency as the main governing institution in water resource management in the Inkomati Water Management Area. The study also drew from an understanding of scientific knowledge in terms of a water chemistry which describes the upstream and downstream water quality impacts related to the sugar industry. The water quality analysis for the Lower Crocodile River Catchment shows a decline in water quality in terms of Total Dissolved Solids (TDS) loads when moving from below Mbombela to the Mozambique border. The major sources of TDS in the Lower Crocodile River are point source dominated, which may be attributed to the extensive mining, industrial and municipal activities that occur across the catchment. When observing Total Alkalinity (TAL) and pH values from below Mbombela to the furthest monitoring point, there is deterioration in the quality of the water in the Lower Crocodile River, with the Kaap River contributing a negative effect that is diluted by the Crocodile main stem. The Hectorspruit Waste Water Treatment Works (WWTWs) (located in the Lower Crocodile River Catchment) contributes high concentrations of TDS and TAL into the Crocodile River. Total Inorganic Nitrogen and Soluble Reactive Phosphorus concentrations decrease in the lower reaches of the Crocodile River compared with the river below Mbombela, which can be attributed to the extensive sugar cane plantations located in the Lower Crocodile River Catchment acting as an “agricultural wetland” that serves a function of bioremediation resulting in large scale absorption of nutrients. This is an interesting result as earlier assumptions were that fertiliser application would result in an overall increase in nutrient loads and concentrations. Biomonitoring data show no substantial change in aquatic health in the LowerCrocodile River Catchment. For a catchment that has an extensive agricultural land use in terms of sugarcane and citrus production, the Crocodile River is unexpectedly not in a toxic state in terms of aquatic health. This is a positive result and it suggests that pesticide use is strictly controlled in the sugar and citrus industry in the Crocodile River Catchment. For long term sustainability, it is essential for the sugar industry to maintain (and possibly improve) this pesticide management. The social component of this study aimed to provide an analysis of the management practices of the sugar mill as well as examining agricultural practices in the sugar cane fields in relation to water quality management through the use of Cultural Historical Activity System Theory (CHAT). This component showed that there are contradictions within the sugar industry activity system that are considered to be areas of “tension” that can be loosened or focused on to improve the contribution the sugar industry can make to the IWQMP. Surfacing contradictions within the sugar industry activity system and the Inkomati-Usuthu Catchment Management Agency activity systems highlighted areas of potential for learning and change. While an understanding of biophysical processes through scientific knowledge is critical in water management decision making, it is evident that an understanding of other actors, institutions and networks that inform water quality management decision-making also plays a significant role. The notion of improving the role of scientific or biophysical knowledge in contributing to socio-ecologically robust knowledge co-creation, decisions and actions towards resolving water quality problems is emphasised. Specifically, moving towards improving interactions between scientists and other actors (water users in the Crocodile Catchment in this case), so that scientific practices become more orientated towards societal platforms where water quality management is tackled to enable improved water quality management practices. Therefore, linking the social and biophysical components in this study provides a holistic understanding of how the sugar industry can contribute to the development of an IWQMP for the Crocodile River catchment.
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- Date Issued: 2015
An exploration of James Dreier’s Standard Tune Learning Sequence in a self-directed learning environment : an interpretative phenomenological analysis
- Authors: Ellis, Stephen James
- Date: 2014
- Subjects: Dreier, James Drum -- Performance -- Studies and exercises Drum -- Methods -- Self-instruction Drum -- Instruction and study Drummers (Musicians)
- Language: English
- Type: Thesis , Masters , MMus
- Identifier: vital:2680 , http://hdl.handle.net/10962/d1011312
- Description: This qualitative case study was undertaken in order to explore the experiences of drum set students who apply themselves to James Dreier’s Standard Tune Learning Sequence (STLS) in a self-directed learning environment. These experiences ultimately shed light on how best to implement Differentiated Instruction to the STLS. The study draws on the experience of three adult drum students under the instruction of the author. The students were provided with the STLS and left to proceed with it on their own. They were asked to keep a record of their progress in the form of a learning journal. These learning journals were used, in conjunction with transcribed interviews and learner profiles, as data for this study and as such were subjected to Interpretative Phenomenological Analysis. The study recognizes three factors which affect the student’s successful progression through the STLS: readiness, interest and meaning. Each factor is discussed in relation to literature on differentiated Instruction. Recommendations are made regarding the implementation of Differentiated Instruction to the STLS.
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- Date Issued: 2014
Literacy, orality and recontextualization in the parliament of the Republic of South Africa : an ethnographic study
- Authors: Siebörger, Ian
- Date: 2012
- Subjects: South Africa. Parliament (1994- ) -- Language , Bill drafting -- South Africa , South Africa -- Languages -- Political aspects , Sociolinguistics -- South Africa , Language and languages -- Variation , Linguistic analysis (Linguistics) , Functionalism (Linguistics) , Systemic grammar
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:2384 , http://hdl.handle.net/10962/d1016140
- Description: In parliaments, the tasks of drafting legislation and conducting oversight are accomplished by means of complex chains of spoken, written and multimodal texts. In these genre chains, information is recontextualized from one text to another before being debated in sittings of the houses of parliament. This study employs the point of view afforded by linguistic ethnography to investigate critically the ways in which meanings are recontextualized in one section of such a genre chain, namely the process by which committees of South Africa's National Assembly oversee the budgets of government departments and state-owned entities. It does this to identify possible sources of communication difficulties in this process and suggest ways in which these can be minimized. In so doing, it develops a theoretical model of the discursive effects of recontextualization informed by Latour's (1987) notion of black-boxing as well as Maton's (2011) Legitimation Code Theory. This model uses Interactional Sociolinguistics and elements of Systemic Functional Linguistics, including APPRAISAL and Transitivity as tools to describe the realization of these effects in language. This study finds that ideational and interpersonal meanings are condensed and decondensed at particular points in the genre chain in ways that lead to some MPs’ voices being recontextualized more accurately than others’. It also shows that common sources of communication difficulties in the committee process include differences in political background and understandings of committee procedure and participant roles. It recommends that representatives of departments and entities reporting to the committees should receive a fuller prebriefing on their roles; that MPs should receive training on asking clear, focused questions; and that the role of committee secretaries as procedural advisors should be strengthened.
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- Date Issued: 2012
Assessment of factors influencing the quality of surface and ground water in the Hout Bay river catchment
- Authors: Pearce, Meryl Winsome
- Date: 1989
- Subjects: Water -- South Africa -- Hout Bay Hydrology Water -- Pollution -- South Africa -- Hout Bay Water quality -- South Africa -- Hout Bay Aquatic ecology Water quality Hout Bay river (South Africa) Groundwater -- South Africa -- Hout Bay
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:4800 , http://hdl.handle.net/10962/d1001900
- Description: An investigation into the quality of surface water and ground water was conducted during 1988 in the 38,8 km² Hout Bay River catchment near Cape Town. The main objective of the study was to determine those areas and activities which constitute a pollution source and to ascertain the relative proportion which each contributes to the pollution problem and health risk of the surf zone of the beach at Hout Ba . The objective was achieved by monitoring the chemical and microbiological attributes of the Hout Bay River, its tributaries and stormdrains in wet and dry conditions on a routine basis and during storm events. Hout Bay is a rapidly developing residential area in which sewage disposal occurs by means of septic tank soakaway systems. Ground water quality was monitored to investigate the contribution to contamination by septic tank effluent. Results showed that stormdrain effluent in dry and wet conditions and surface runoff during rainfall were the main vectors of pollution. Although the pollution concentration was high during dry conditions the greatest pollution discharge to the surf zone of Hout Bay occurred during storm events. In view of the proposed residential development it is imperative that pollution control measures be undertaken so as to secure the future recreational and aesthetic value of Hout Bay
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- Date Issued: 1989
A phenomenological analysis of the psychological manifestations of ontic conscience as derived from Heidegger's ontological conception of that phenomenon
- Authors: Parker, Michael Alan
- Date: 1986
- Subjects: Conscience , Heidegger, Martin, 1889-1976
- Language: English
- Type: text , Thesis , Masters , MA
- Identifier: vital:2911 , http://hdl.handle.net/10962/d1002076
- Description: The aim of this study was to investigate ontic conscience, as derived from Heidegger's ontological conception of conscience, as it is lived in concrete experience. Having established, through a close examination of Heidegger's writings on conscience, a question which would elicit actual experience of this phenomenon, the researcher collected sixty-four written accounts of these experiences. Of these he chose the four psychologically richest accounts and, having interviewed each of these four subjects on his situated experience, analysed in detail (using the phenomenological method) the resulting protocols comprising the written accounts and interviews. He then explicated the structure of conscience within its context of authenticity and inauthenticity. The context of conscience was discovered to be such that the person, having surrendered himself to others' experience and expectations of him, lives a pretence in the service of (inauthentically) being-for-others. He loses his sense of (bodily) self in the process, and it is at this point of his living at the extremes of inauthenticity, that he is forced to realise his own (authentic) reality which he has hitherto been concealing both from himself and from others. His primary attunement is reflected in feelings of betrayal, guilt, shame, dread and ambivalence. Through openly and resolutely living his authentic experience, he heals the rupture in his existence between what is revealed (his being-for-others) and what is concealed (his authentic experience), and feels liberated in so doing. This structure of conscience was dialogued with the writings of existential and psychoanalytic philosophers and psychologists in the context of discussing particular areas of psychological significance such as self, others, meaning, awareness and psychotherapy.
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- Date Issued: 1986