Assessing beneficiaries’ needs and expectations as a determinant of residential satisfaction in South Africa

2016 ◽  
Vol 19 (1) ◽  
pp. 10-22 ◽  
Author(s):  
Clinton Aigbavboa
Keyword(s):  
South Africa ◽  
Low Income ◽  
Questionnaire Survey ◽  
Structural Equation ◽  
Sem Analysis ◽  
Practical Consideration ◽  
Gauteng Province ◽  
Content Type ◽  
Good Mode ◽  
Low Income Housing

Purpose – There is an integral link between theory and measurement suggesting that validation of measures should be the first stage of theory testing. The purpose of this paper is to validate the factorial validity of needs and expectations (NAE) features as determinants of low-income residents’ housing satisfaction in South Africa. Design/methodology/approach – Empirical data were collected by a questionnaire survey conducted among 751 low-income housing residents’ in three metropolitan and one district municipality in the Gauteng Province of South Africa. Data gathered via the questionnaire survey were analysed using structural equation modelling (SEM) version 6.2 which was used to assess the factorial structure of the constructs. Findings – SEM analysis revealed that the internal consistency coefficients were over 0.70 criterion for acceptability and the constructs showed a good mode fit to the sample data. The Z-statistics analysis revealed that the construct (NAE) have direct influence in determining low-income residents’ satisfaction with their houses. Originality/value – The SEM result advocates a practical consideration of the construct and its respective indicator variables in future development of low-income housing in South Africa.

scholarly journals Confirmatory Factorial validity of Neighborhood Features amongst South Africa low-income Housing Occupants’

2013 ◽  
Vol 5 (12) ◽  
pp. 825-837 ◽  
Author(s):  
Aigbavboa Aigbavboa
Keyword(s):  
South Africa ◽  
Low Income ◽  
Questionnaire Survey ◽  
Structural Equation ◽  
Sem Analysis ◽  
Primary Data ◽  
Equation Modeling ◽  
Factorial Validity ◽  
Housing Projects ◽  
Low Income Housing

There is a fundamental link between theory and measurement advising that factorial confirmation of measures should be the first stage of theory testing. The aim of this paper was to confirm the factorial validity of the neighborhood features in a residential satisfaction study amongst South Africa low-income housing occupants’. The study was conducted amongst subsidized low-income housing occupants’ in South Africa. Data used in the study were obtained from a Delphi and field questionnaire study. Primary data was collected through the use of a structured questionnaire survey conducted among 751 low-income housing residents’ in three metropolitan and one district municipality in the Gauteng Province of South Africa. Data gathered via the questionnaire survey were analyzed using structural equation modeling (SEM) which was used to confirm the factorial structure of the constructs. SEM analysis revealed that the Rho coefficient and the Cronbach’s alpha coefficient of internal consistency were over 0.70 criterions for acceptability. Further finding was that neighborhood features influence on the residents’ satisfaction was not statistically significant and hence was weak in the prediction of the residents’ satisfaction with their houses. However, due to the idiosyncratic dataset used in the study, it remains to be seen if the evaluated indicator factors of neighborhood features can replicate to other cross-cultural datasets. If this is the case, the paper makes a significant contribution towards understanding neighborhood features on subsidized low-income housing projects. This study provided significant insight into how residents’ satisfaction with their houses could be improved.

Sustainable housing financing model to reduce South Africa housing deficit

2017 ◽  
Vol 10 (3) ◽  
pp. 410-430 ◽  
Author(s):  
Bashir Olanrewaju Ganiyu ◽  
Julius Ayodeji Fapohunda ◽  
Rainer Haldenwang
Keyword(s):  
South Africa ◽  
South African ◽  
Affordable Housing ◽  
Low Income ◽  
Low Cost ◽  
South African Government ◽  
The South ◽  
African Government ◽  
Content Type ◽  
Mortgage Payment

Purpose This study aims to identify and establish effective housing financing concepts to be adopted by government in achieving its mandate of providing sustainable affordable housing for the poor to decrease the building of shacks, as well as proposing solutions to the housing deficit in South Africa. A rise in demand and shortage in supply of housing calls for the need to address issues of affordable housing in South Africa, and developing countries in general, to ensure a stable and promising future for poor families. Design/methodology/approach Literature has revealed that the South African government, at all levels, accorded high priority to the provision of low-cost housing. Thus, government has adopted subsidy payment as a method of financing affordable housing to ensure that houses are allocated free to the beneficiaries. This also addresses the historically race-based inequalities of the past, but unfortunately, this has not been fully realised. This study uses a sequential mixed method approach, where private housing developers and general building contractors were the research participants. The qualitative data were analysed using a case-by-case analysis, and quantitative data were analysed using a descriptive statistical technique on SPSS. Findings The results of the qualitative analysis reveal a gross abuse of the housing subsidies system by the beneficiaries of government-funded housing in South Africa. This is evident from illegal sale of the houses below market value. This has led to a continual building of shacks and an increased number of people on the housing waiting list instead of a decrease in the housing deficit. The results from quantitative analysis affirm the use of “Mortgage Payment Subsidies, Mortgage Payment Deductions, Down-Payment Grant and Mortgage Interest Deductions” as viable alternatives to subsidy payment currently in use to finance affordable housing projects by the South African Government. Practical implications At the moment, the focus of the South African National Government is continual provision of free housing to the historically disadvantage citizens, but the housing financing method being used encourages unapproved transfer of ownership in the affordable housing sector. This study thus recommends the use of an all-inclusive housing financing method that requires a monetary contribution from the beneficiaries to enable them take control of the process. Originality/value The relational interface model proposed in this study will reduce pressure on government budgetary provision for housing and guarantee quick return of private developers’ investment in housing. Government must, as a matter of urgency, launch a continuous awareness programme to educate the low-income population on the value and the long-term benefits of the housing.

Exploring the antecedents of retail banks’ reputation in low-bankarization markets: brand equity, value co-creation and brand experience

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Luís Daniel Martillo Jeremías ◽  
Ana Isabel Polo Peña
Keyword(s):  
Financial Institutions ◽  
Brand Equity ◽  
Low Income ◽  
Financial Literacy ◽  
Structural Equation ◽  
Banking Sector ◽  
Retail Banking ◽  
Equation Modeling ◽  
Brand Experience ◽  
Content Type

PurposeThe present study aims to propose and validate a model to measure certain variables that may contribute to increasing the bankarization rate (uptake of retail banking services) among developing-economy populations characterized by poor financial literacy and low income levels.Design/methodology/approachA quantitative empirical study is carried out in the retail banking sector of a country with low-bankarization rates. Using a self-administered questionnaire distributed online, structural equation modeling is applied to analyze the relationships between value co-creation, brand experience, brand equity and reputation.FindingsThe results show that brand equity is an antecedent of reputation that values co-creation, and brand experience positively influences brand equity and that values co-creation that positively influences brand experience.Social implicationsThe bankarization rate of a developing country is generally taken as an indicator of the socioeconomic wellbeing of its population. Where there is a low-bankarization rate, this renders it more difficult for financial institutions to build their reputation to attract new customers and retain existing ones. Strategies are, therefore, proposed to improve the reputation of financial institutions in such settings and, thus, contribute to increasing the bankarization rate.Originality/valueThe findings of this study provide an original perspective that offers a deeper understanding of the mechanisms that enable banks operating in low-bankarization markets to enhance their reputation through strategies based on customer–company interaction and branding (with the variables of brand equity, brand experience and value co-creation).

When in Rome, do as the Romans do

2019 ◽  
Vol 122 (6) ◽  
pp. 1953-1967
Author(s):  
Mumtaz Ali Memon ◽  
Muhammad Zeeshan Mirza ◽  
Bibiana Lim ◽  
Waheed Ali Umrani ◽  
Mohamed Ayyub Hassan ◽  
...  
Keyword(s):  
International Students ◽  
Structural Equation ◽  
Local Food ◽  
Behavioral Control ◽  
Tourism Industry ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Practical Consideration ◽  
Content Type ◽  
The Impact

Purpose International students are considered as a huge and potentially lucrative segment for various products of the tourism industry in Malaysia. One of the tourism products is the local food they consume. The purpose of this paper is to investigate key factors that contribute to international students’ intention to consume Malay food. Drawing on the theory of planned behavior (TPB), the present study examines the impact of attitude, subject norm and perceived behavioral control (PBC) on international students’ intention to consume Malay food. Design/methodology/approach A quantitative approach using self-administered questionnaire was adopted. A total of 163 samples were collected from international students studying in five different Malaysian higher education institutions. A partial least squares structural equation modeling technique was used to test the hypothesized model. Findings The findings highlight that attitude, subject norms and PBC significantly motivate international students to consume local food. The subject norm toward consuming local food was revealed as the strongest predictor of international students’ intention to consume Malay food. Originality/value Although this is one of the early studies that uses the TPB in assessing the factors that influence international students’ intention to consume local food, this paper is driven by and aimed for practical consideration and thus making a significant contribution to practice. Specifically, the findings of the present study provide important implications for tourism industry practitioners to plan and implement initiatives that may promote local food among international students studying in Malaysian institutions.

Assessment of alternative building technologies (ABT) for pre-tertiary school infrastructure delivery in the Eastern Cape Province, South Africa

2019 ◽  
Vol 30 (5) ◽  
pp. 1152-1170
Author(s):  
Ngxito Bonisile ◽  
Kahilu Kajimo-Shakantu ◽  
Akintayo Opawole
Keyword(s):  
South Africa ◽  
Empirical Evidence ◽  
Conventional Method ◽  
Environmental Sustainability ◽  
Questionnaire Survey ◽  
Eastern Cape Province ◽  
Eastern Cape ◽  
Content Type ◽  
Educational Infrastructure ◽  
Policy Responses

Purpose Anecdotal evidence indicates that there is a backlog in the pre-tertiary school infrastructure in the Eastern Cape Province of South Africa. The purpose of this paper is to assess the adoption of alternative building technologies (ABT) for pre-tertiary educational infrastructure delivery with a view to providing empirical evidence that could guide policy responses towards its wider adoption. Design/methodology/approach The study adopted a mixed methodology approach. This comprises a triangulation of a questionnaire survey and interviews. In total, 100 participants were randomly selected from 182 built environment professionals namely quantity surveyors, architects and engineers (electrical, mechanical, civil and structural) from the Department of Roads and Public Works (DRPW), who are currently involved in the Eastern Cape School Building Program (ECSBP). The questionnaire survey was supplemented by semi-structured interviews conducted with four top government officials (three from the Department of Education (DoE) and one from DRPW) who were also part of the questionnaire survey. Data collected were analyzed using descriptive statistics and phenomenological interpretation respectively. Findings The key findings showed that the level of adoption of ABT for pre-tertiary school infrastructure in the Eastern Cape province is primarily influenced and explained by perceptions that ABT offers inferior quality products compared to the conventional method, and limited awareness of its benefits. Research limitations/implications The study provides useful insights into the implications of the limited awareness of ABT as a an alternative technology for educational infrastructure delivery and policy responses towards its wider adoption and environmental sustainability. Originality/value Empirical evidence from this study indicates that the main motivation for the adoption of ABT is the limited government’s budget to cope with school infrastructural backlog, while environmental sustainability benefit is only secondary. Nonetheless, the realization that the backlogs in the provision of school infrastructure has resulted from sole reliance on the use of the conventional method is an indication of the potential that the adoption of ABT holds for minimizing of the backlog.

Low-income housing policy in practice in arid and semi-arid South Africa

2010 ◽  
Vol 74 (10) ◽  
pp. 1340-1344 ◽  
Author(s):  
Lochner Marais ◽  
Jan Cloete ◽  
Zacheus Matebesi ◽  
Kholisa Sigenu ◽  
Deidre van Rooyen
Keyword(s):  
South Africa ◽  
Housing Policy ◽  
Low Income ◽  
Semi Arid ◽  
Low Income Housing

Predicting FinTech innovation adoption in South Africa: the case of cryptocurrency

2019 ◽  
Vol 11 (1) ◽  
pp. 30-50 ◽  
Author(s):  
Last Mazambani ◽  
Emmanuel Mutambara
Keyword(s):  
South Africa ◽  
Emerging Markets ◽  
Structural Equation ◽  
Consumer Behaviour ◽  
Behavioural Intention ◽  
Adoption Studies ◽  
Cross Sectional ◽  
Content Type ◽  
Financial Innovations ◽  
Intention To Adopt

Purpose Financial technology innovation within the developed world is driving financial markets, yet its adoption is lagging among consumers in emerging markets. At the same time, most African economies continue to be at the tail end of global financial innovations adoption. Given lagging consumer adoption of cryptocurrency in South Africa, the purpose of this paper is to apply the theory of planned behaviour (TPB) to predict behavioural intention to adopt cryptocurrency. Design/methodology/approach A survey instrument based on the TPB was used to collect quantitative data for predicting adoption from adult distance students at the Mancosa, Cape Town campus. For data analysis, the two-step structural equation modelling approach was used. Findings The findings indicate that attitude and perceived behavioural control positively impact the intention to adopt cryptocurrency. Subjective norm showed a negative non-significant influence. Overall, the results of the study show that the model has a good model fit and can be used to explain the theory. Research limitations/implications The results of this study may not be generalisable to the wider population as it is only based on a cross-sectional study of a sample of adult students at a single institute in South Africa. Originality/value The contribution of this paper is threefold: it is one of a few studies on the behavioural intention to adopt cryptocurrency in South Africa using the TPB model, it contributes towards the use of predictive behavioural economics models in understanding consumer behaviour critical to accelerating the adoption of financial innovations, and the results of the study also inform behaviour change strategies that can be applied by practitioners or policymakers to improve adoption. Studies of this nature may lead to the development of financial innovation in emerging markets through a nuanced understanding of consumer behaviour.

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