Investigating the effectiveness of microfinance on poverty alleviation in South Africa
- Authors: Muchemwa, Catherine
- Date: 2024-04
- Subjects: Microfinance -- South Africa , Economic assistance, Domestic , Poverty -- South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/65252 , vital:74074
- Description: This dissertation explores the role and effectiveness of microfinance in addressing poverty in South Africa. With a focus on the unique socio-economic landscape of the country, the study employs a mixed-methods approach to investigate the impact of microfinance interventions on poverty alleviation. The research encompasses a thorough review of existing literature, examining the theoretical foundations and empirical evidence surrounding microfinance and poverty reduction, from the perspective of microfinance practitioners. The research design incorporates quantitative analysis through surveys complemented by qualitative investigations through in-depth interviews. Loan officers, middle management and senior management were the target audience for questionnaires designed to elicit their opinions on the contribution of microfinance to the fight against poverty. This multifaceted approach aimed to provide a nuanced understanding of the contextual factors influencing the effectiveness of microfinance in poverty alleviation. Moreover, the study identified potential challenges and barriers that may hinder the success of microfinance initiatives in South Africa. The effectiveness of microfinance institutions (MFIs) in reducing poverty was examined by analysing how well the services of microfinance institutions matched the demands of those looking to reduce their poverty. The results point to a significant discrepancy between the services offered by MFIs and the particular requirements of the people seeking access to finance. Notwithstanding this finding, there is a general consensus that MFIs are essential to the advancement of financial inclusion. The findings of this dissertation are expected to contribute valuable insights to policymakers, practitioners, and scholars interested in the intersection of microfinance and poverty alleviation in the South African context. By critically evaluating the successes and limitations of existing microfinance programmes, the research aims to inform future policy decisions and strategic planning for sustainable poverty reduction initiatives. , Thesis (MPhil) -- Faculty of Business and Economic Sciences, School of Economics, Development and Tourism, 2024
- Full Text:
- Date Issued: 2024-04
- Authors: Muchemwa, Catherine
- Date: 2024-04
- Subjects: Microfinance -- South Africa , Economic assistance, Domestic , Poverty -- South Africa
- Language: English
- Type: Master's theses , text
- Identifier: http://hdl.handle.net/10948/65252 , vital:74074
- Description: This dissertation explores the role and effectiveness of microfinance in addressing poverty in South Africa. With a focus on the unique socio-economic landscape of the country, the study employs a mixed-methods approach to investigate the impact of microfinance interventions on poverty alleviation. The research encompasses a thorough review of existing literature, examining the theoretical foundations and empirical evidence surrounding microfinance and poverty reduction, from the perspective of microfinance practitioners. The research design incorporates quantitative analysis through surveys complemented by qualitative investigations through in-depth interviews. Loan officers, middle management and senior management were the target audience for questionnaires designed to elicit their opinions on the contribution of microfinance to the fight against poverty. This multifaceted approach aimed to provide a nuanced understanding of the contextual factors influencing the effectiveness of microfinance in poverty alleviation. Moreover, the study identified potential challenges and barriers that may hinder the success of microfinance initiatives in South Africa. The effectiveness of microfinance institutions (MFIs) in reducing poverty was examined by analysing how well the services of microfinance institutions matched the demands of those looking to reduce their poverty. The results point to a significant discrepancy between the services offered by MFIs and the particular requirements of the people seeking access to finance. Notwithstanding this finding, there is a general consensus that MFIs are essential to the advancement of financial inclusion. The findings of this dissertation are expected to contribute valuable insights to policymakers, practitioners, and scholars interested in the intersection of microfinance and poverty alleviation in the South African context. By critically evaluating the successes and limitations of existing microfinance programmes, the research aims to inform future policy decisions and strategic planning for sustainable poverty reduction initiatives. , Thesis (MPhil) -- Faculty of Business and Economic Sciences, School of Economics, Development and Tourism, 2024
- Full Text:
- Date Issued: 2024-04
An appraisal of the Methodist church’s role in poverty alleviation in the Alice region
- Authors: Jibiliza, Xolisa Terrance
- Date: 2016
- Subjects: Economic assistance, Domestic , Rural poor -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Masters , M Th
- Identifier: http://hdl.handle.net/10353/1451 , vital:27187
- Description: “All religions emphasize the need to support charity, welfare and the disadvantaged. Obligatory giving is, thus, a manifestation of spirituality. This is why religious communities are capable, like no other sector of society, of mobilizing enormous resources for poverty alleviation and development initiative” (Maharaj & Chetty, 2007:82). Most African countries are faced with serious and worsening poverty (Wogaman, 1986:47), and one of greatest issues that demands our immediate attention within the church and society is poverty alleviation. Wogaman (1986:47) further argues that the increase in production has not served to bridge the great historic chasm between rich and poor. Hence, the church needs to direct its attention and its activity to poverty alleviation so that it becomes an advocate for the poor. Lawrence (2012:1) argued that we are created for fellowship with other people and also depend on God for our survival. Therefore, poverty touches all of God’s creatures and not simply those who experience it directly. Poverty prevents human beings from realizing their potential; it creates barriers of inequality between people, and bars people from experiencing the abundance of God’s creation.
- Full Text:
- Date Issued: 2016
- Authors: Jibiliza, Xolisa Terrance
- Date: 2016
- Subjects: Economic assistance, Domestic , Rural poor -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Masters , M Th
- Identifier: http://hdl.handle.net/10353/1451 , vital:27187
- Description: “All religions emphasize the need to support charity, welfare and the disadvantaged. Obligatory giving is, thus, a manifestation of spirituality. This is why religious communities are capable, like no other sector of society, of mobilizing enormous resources for poverty alleviation and development initiative” (Maharaj & Chetty, 2007:82). Most African countries are faced with serious and worsening poverty (Wogaman, 1986:47), and one of greatest issues that demands our immediate attention within the church and society is poverty alleviation. Wogaman (1986:47) further argues that the increase in production has not served to bridge the great historic chasm between rich and poor. Hence, the church needs to direct its attention and its activity to poverty alleviation so that it becomes an advocate for the poor. Lawrence (2012:1) argued that we are created for fellowship with other people and also depend on God for our survival. Therefore, poverty touches all of God’s creatures and not simply those who experience it directly. Poverty prevents human beings from realizing their potential; it creates barriers of inequality between people, and bars people from experiencing the abundance of God’s creation.
- Full Text:
- Date Issued: 2016
Evaluation of income generating projects
- Authors: Hlazo, Tandiswa
- Date: 2012
- Subjects: Economic development projects -- South Africa -- Eastern Cape , Community development -- South Africa -- Eastern Cape , Economic assistance, Domestic
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:8988 , http://hdl.handle.net/10948/d1008457 , Economic development projects -- South Africa -- Eastern Cape , Community development -- South Africa -- Eastern Cape , Economic assistance, Domestic
- Description: The study is conducted in the Eastern Cape Province of South Africa in Lukhanji Local Municipality. Eastern Cape has a population of 1 676 470. Source: Demarcation Board (www.demarcation.org.za),03 April 2009. The Province is made up of seven district municipalities which includes the following; Nelson Mandela Bay Metropolitan Municipality, Cacadu, Amathole, Chris Hani, Ukhahlamba, OR Tambo, Alfred Ndzo. It is comprised of seven local municipalities which are King Sabata Dalindyebo, Nyandeni, Qaukeni, Mbizana, Mhlontlo, Port St John’s, and Ntabankulu. Eastern Cape, according to Bradshaw Debbie et al (2000;4) has the second highest poverty levels in South Africa (47percent of households below the poverty line, which is based on imputed monthly expenditure of R800 or less) (SSA, 2000b), combined with the highest provincial unemployment rate (55 percent) in the country (SSA, 2003). This province is characterised by inequitable growth and development. As mentioned above, it has a high level of poverty. For this reason, strategies like Income generating projects (IGPs) have been formulated to address the need for improved livelihoods, better skills and self employment opportunities. Income generating project as a concept is a convincing strategy when looked at a distance however there is a need to evaluate the impact of Income generating projects (IGPs) through a scientific study to determine the evidence of speculations that Income generating projects are claimed to improve and sustain livelihoods of our people. In the light of the aforesaid, the researcher has endeavoured and undertaken a study on the evaluation of income generating projects. This was done to determine the extent to which income generating projects (IGPs) as a mechanism to alleviate poverty address this problem of poverty. Due to the broadness of the concept of the problem and the extensive nature of the geographical area of the Eastern Cape, the study was exclusively focused on the agricultural projects of Ilinge and Machibini Project in Lukhanji Local Municipality. For the purpose of this study, a combined method approach was used. In other words, the study applied both quantitative and qualitative research design in an attempt to gain an indepth understanding of the problem investigated. Both questionnaire and interviews were employed during gathering of data of the study and participants were project members, project leader and key informants as contributing builders and mangers of the projects. Findings revealed that there is lack of sustainability on income generating projects as the projects studied lost a high number of project members with a common complaint of lack of income to sustain project members during their membership on the income generating projects (IGPs). Lack of skills is considered to be a crucial contributing factor as one other project complained of total lack of training of project members.
- Full Text:
- Date Issued: 2012
- Authors: Hlazo, Tandiswa
- Date: 2012
- Subjects: Economic development projects -- South Africa -- Eastern Cape , Community development -- South Africa -- Eastern Cape , Economic assistance, Domestic
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:8988 , http://hdl.handle.net/10948/d1008457 , Economic development projects -- South Africa -- Eastern Cape , Community development -- South Africa -- Eastern Cape , Economic assistance, Domestic
- Description: The study is conducted in the Eastern Cape Province of South Africa in Lukhanji Local Municipality. Eastern Cape has a population of 1 676 470. Source: Demarcation Board (www.demarcation.org.za),03 April 2009. The Province is made up of seven district municipalities which includes the following; Nelson Mandela Bay Metropolitan Municipality, Cacadu, Amathole, Chris Hani, Ukhahlamba, OR Tambo, Alfred Ndzo. It is comprised of seven local municipalities which are King Sabata Dalindyebo, Nyandeni, Qaukeni, Mbizana, Mhlontlo, Port St John’s, and Ntabankulu. Eastern Cape, according to Bradshaw Debbie et al (2000;4) has the second highest poverty levels in South Africa (47percent of households below the poverty line, which is based on imputed monthly expenditure of R800 or less) (SSA, 2000b), combined with the highest provincial unemployment rate (55 percent) in the country (SSA, 2003). This province is characterised by inequitable growth and development. As mentioned above, it has a high level of poverty. For this reason, strategies like Income generating projects (IGPs) have been formulated to address the need for improved livelihoods, better skills and self employment opportunities. Income generating project as a concept is a convincing strategy when looked at a distance however there is a need to evaluate the impact of Income generating projects (IGPs) through a scientific study to determine the evidence of speculations that Income generating projects are claimed to improve and sustain livelihoods of our people. In the light of the aforesaid, the researcher has endeavoured and undertaken a study on the evaluation of income generating projects. This was done to determine the extent to which income generating projects (IGPs) as a mechanism to alleviate poverty address this problem of poverty. Due to the broadness of the concept of the problem and the extensive nature of the geographical area of the Eastern Cape, the study was exclusively focused on the agricultural projects of Ilinge and Machibini Project in Lukhanji Local Municipality. For the purpose of this study, a combined method approach was used. In other words, the study applied both quantitative and qualitative research design in an attempt to gain an indepth understanding of the problem investigated. Both questionnaire and interviews were employed during gathering of data of the study and participants were project members, project leader and key informants as contributing builders and mangers of the projects. Findings revealed that there is lack of sustainability on income generating projects as the projects studied lost a high number of project members with a common complaint of lack of income to sustain project members during their membership on the income generating projects (IGPs). Lack of skills is considered to be a crucial contributing factor as one other project complained of total lack of training of project members.
- Full Text:
- Date Issued: 2012
The AIDS of aid?: long-term organisation challenges of a CBO dealing with HIV/AIDS, poverty and donor aid
- Authors: Shelver, Amy
- Date: 2012
- Subjects: Communicable diseases -- Prevention , Public health -- International cooperation , Economic assistance, Domestic , Community-based social services , AIDS (Disease) -- Prevention , HIV infections -- Prevention , Nonprofit organizations
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9103 , http://hdl.handle.net/10948/d1012321 , Communicable diseases -- Prevention , Public health -- International cooperation , Economic assistance, Domestic , Community-based social services , AIDS (Disease) -- Prevention , HIV infections -- Prevention , Nonprofit organizations
- Description: The following treatise first frames the role of CBOs in responding to the HIV/Aids crisis in relation to their position in the global health governance system through a literature survey that moves from an analysis of the global structures down to the local. The survey covers the role of international organisations, international NGOs (INGOs), national governments, local NGOs and CBOs and outlines the context in which Masizakhe is working within the global health governance structure. Secondly the research design and methodology are outlined focusing on the longitudinal, case study and participant--‐observation approaches. Hypotheses, conceptualisation, definitions, key variables are described and data collection methods and fieldwork practice extrapolated upon. Following that data capturing, editing and analysis are discussed in conjunction with shortcomings and sources of error. In the fourth chapter the research discusses the history, structure and outlines the research findings by comparing what has changed within the organisation over time, presenting and discussing the results. The outcomes of this research have shown that existing problems in this particular CBO are very difficult to overcome without committed, sustained support from donors, government, community and the organisation’s members. CBOs are often hamstrung by a series of intersecting factors which hamper their ability to problem--‐solve, even when the route to overcoming the problem is clear, particularly when the capacity and will to do so is not always present from both within the organisation and from outside support systems. These challenges then impact on the overall quality of and ability to deliver the services the organisation is structured to deliver. The major challenge for the organisation remains the inconsistent donor cycle and resultant instability thus created within an organisation already working in a highly volatile, unstable situation marked by poverty and disease. Thus the title, The Aids of Aid?, captures the essence of Masizakhe’s struggle with its own syndrome of problems. It summarises a comment made by the project secretary said that: “Sometimes it feels like we are not only fighting for the health of our people – We are fighting for the health of our organisation. We are a sick organisation trying to help sick people. All we need is donors and funding –we can’t live without them, and when they don't give, we get sick” (Stamper, Pers Comm, 2011). The other emergent challenges were a battle internally with ‘founder syndrome’, lack of management transparency and a dysfunctional board.
- Full Text:
- Date Issued: 2012
- Authors: Shelver, Amy
- Date: 2012
- Subjects: Communicable diseases -- Prevention , Public health -- International cooperation , Economic assistance, Domestic , Community-based social services , AIDS (Disease) -- Prevention , HIV infections -- Prevention , Nonprofit organizations
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9103 , http://hdl.handle.net/10948/d1012321 , Communicable diseases -- Prevention , Public health -- International cooperation , Economic assistance, Domestic , Community-based social services , AIDS (Disease) -- Prevention , HIV infections -- Prevention , Nonprofit organizations
- Description: The following treatise first frames the role of CBOs in responding to the HIV/Aids crisis in relation to their position in the global health governance system through a literature survey that moves from an analysis of the global structures down to the local. The survey covers the role of international organisations, international NGOs (INGOs), national governments, local NGOs and CBOs and outlines the context in which Masizakhe is working within the global health governance structure. Secondly the research design and methodology are outlined focusing on the longitudinal, case study and participant--‐observation approaches. Hypotheses, conceptualisation, definitions, key variables are described and data collection methods and fieldwork practice extrapolated upon. Following that data capturing, editing and analysis are discussed in conjunction with shortcomings and sources of error. In the fourth chapter the research discusses the history, structure and outlines the research findings by comparing what has changed within the organisation over time, presenting and discussing the results. The outcomes of this research have shown that existing problems in this particular CBO are very difficult to overcome without committed, sustained support from donors, government, community and the organisation’s members. CBOs are often hamstrung by a series of intersecting factors which hamper their ability to problem--‐solve, even when the route to overcoming the problem is clear, particularly when the capacity and will to do so is not always present from both within the organisation and from outside support systems. These challenges then impact on the overall quality of and ability to deliver the services the organisation is structured to deliver. The major challenge for the organisation remains the inconsistent donor cycle and resultant instability thus created within an organisation already working in a highly volatile, unstable situation marked by poverty and disease. Thus the title, The Aids of Aid?, captures the essence of Masizakhe’s struggle with its own syndrome of problems. It summarises a comment made by the project secretary said that: “Sometimes it feels like we are not only fighting for the health of our people – We are fighting for the health of our organisation. We are a sick organisation trying to help sick people. All we need is donors and funding –we can’t live without them, and when they don't give, we get sick” (Stamper, Pers Comm, 2011). The other emergent challenges were a battle internally with ‘founder syndrome’, lack of management transparency and a dysfunctional board.
- Full Text:
- Date Issued: 2012
A critical analysis of the contribution of a poverty alleviatioon programme for youth development
- Authors: Sinukela, Patuxolo Otto
- Date: 2011
- Subjects: Youth in development -- South Africa -- Eastern Cape , Economic assistance, Domestic , Economic development projects , Youth -- Services for , Poverty -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9099 , http://hdl.handle.net/10948/d1012081 , Youth in development -- South Africa -- Eastern Cape , Economic assistance, Domestic , Economic development projects , Youth -- Services for , Poverty -- South Africa -- Eastern Cape
- Description: Black youth in South Africa has for decades, been marginalized in development programmes and many young blacks are experiencing poverty. With the advent of the new South Africa in 1994, the government initiated poverty alleviation projects for youth development. These projects offered black youth an opportunity to participate in their own development. The current study aimed at critically analyzing the contribution of a „Poverty Alleviation‟ programme for youth development. The study was conducted at Cala in the Sakhisizwe local municipality in the Chris Hani District of the Eastern Cape. The study utilized qualitative and quantitative research methods and took the form of exploratory research. The study revealed factors that appear to contribute to the ineffectiveness of youth development projects. The identified factors include the lack of participation of project members, lack of a sense of ownership and commitment, insufficient skills and non-use of policy and guiding documents by project members during the implementation stage. Stakeholder participation and sharing of expertise was identified as another important factor in determining the contribution of poverty alleviation projects to youth development. Lastly, the study shows that monitoring and evaluation of the project functions are necessary to ensure that a project like this achieves the desired outcome. A key recommendation made is that project members must be involved and participate fully in all project phases to enhance a sense of ownership and commitment to fellow project members.
- Full Text:
- Date Issued: 2011
- Authors: Sinukela, Patuxolo Otto
- Date: 2011
- Subjects: Youth in development -- South Africa -- Eastern Cape , Economic assistance, Domestic , Economic development projects , Youth -- Services for , Poverty -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9099 , http://hdl.handle.net/10948/d1012081 , Youth in development -- South Africa -- Eastern Cape , Economic assistance, Domestic , Economic development projects , Youth -- Services for , Poverty -- South Africa -- Eastern Cape
- Description: Black youth in South Africa has for decades, been marginalized in development programmes and many young blacks are experiencing poverty. With the advent of the new South Africa in 1994, the government initiated poverty alleviation projects for youth development. These projects offered black youth an opportunity to participate in their own development. The current study aimed at critically analyzing the contribution of a „Poverty Alleviation‟ programme for youth development. The study was conducted at Cala in the Sakhisizwe local municipality in the Chris Hani District of the Eastern Cape. The study utilized qualitative and quantitative research methods and took the form of exploratory research. The study revealed factors that appear to contribute to the ineffectiveness of youth development projects. The identified factors include the lack of participation of project members, lack of a sense of ownership and commitment, insufficient skills and non-use of policy and guiding documents by project members during the implementation stage. Stakeholder participation and sharing of expertise was identified as another important factor in determining the contribution of poverty alleviation projects to youth development. Lastly, the study shows that monitoring and evaluation of the project functions are necessary to ensure that a project like this achieves the desired outcome. A key recommendation made is that project members must be involved and participate fully in all project phases to enhance a sense of ownership and commitment to fellow project members.
- Full Text:
- Date Issued: 2011
Evalution of income generating/poverty alleviation projects
- Authors: Mali, Phoziswa Portia
- Date: 2011
- Subjects: Economic assistance, Domestic , Poverty -- South Africa
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9055 , http://hdl.handle.net/10948/d1007752 , Economic assistance, Domestic , Poverty -- South Africa
- Description: Poverty alleviation is not only a South African problem; it is a global concern as well. After 16 years of democracy, poverty and unemployment are still major issues facing South Africa. Poverty is not evenly distributed in South Africa; it is largely concentrated among black Africans. This study examines the impact of income generating projects in alleviating poverty and sustaining livelihoods in Buffalo City Metropolitan Municipality South Africa. The study also demonstrates the impact of income generating projects and challenges that face these projects and makes recommendations on identified challenges. The critical question is whether the income generated meets the needs of project members and their households. Qualitative and quantitative methods were used and a questionnaire was distributed in three projects. The research findings revealed that the projects are at the heart of alleviating poverty given the fact that these projects are formed by (a) marginalised community members, (b) very low income, (c) large family size, (d) widowed breadwinners and (e) ageing group. A limitation to the study is the fact that it was small scale; therefore findings cannot be generalized to the whole Eastern Cape and South Africa. Future aspects of the study include training of project members on marketing and project management skills.
- Full Text:
- Date Issued: 2011
- Authors: Mali, Phoziswa Portia
- Date: 2011
- Subjects: Economic assistance, Domestic , Poverty -- South Africa
- Language: English
- Type: Thesis , Masters , MA
- Identifier: vital:9055 , http://hdl.handle.net/10948/d1007752 , Economic assistance, Domestic , Poverty -- South Africa
- Description: Poverty alleviation is not only a South African problem; it is a global concern as well. After 16 years of democracy, poverty and unemployment are still major issues facing South Africa. Poverty is not evenly distributed in South Africa; it is largely concentrated among black Africans. This study examines the impact of income generating projects in alleviating poverty and sustaining livelihoods in Buffalo City Metropolitan Municipality South Africa. The study also demonstrates the impact of income generating projects and challenges that face these projects and makes recommendations on identified challenges. The critical question is whether the income generated meets the needs of project members and their households. Qualitative and quantitative methods were used and a questionnaire was distributed in three projects. The research findings revealed that the projects are at the heart of alleviating poverty given the fact that these projects are formed by (a) marginalised community members, (b) very low income, (c) large family size, (d) widowed breadwinners and (e) ageing group. A limitation to the study is the fact that it was small scale; therefore findings cannot be generalized to the whole Eastern Cape and South Africa. Future aspects of the study include training of project members on marketing and project management skills.
- Full Text:
- Date Issued: 2011
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