scholarly journals Consumers’ Perception of The Cost of Credit Default in The Vehicle Finance Industry in South Africa

2021 ◽  
Vol 10 (4) ◽  
pp. 76-90
Author(s):  
Nomaphelo Soga ◽  
◽  
Darlington Onojaefe ◽  
Lawrence Obokoh ◽  
Wilfred Ukpere ◽  
...  
Keyword(s):  
South Africa ◽  
Risk Management ◽  
Data Collection ◽  
Default Risk ◽  
Survey Method ◽  
Western Cape ◽  
Management Intervention ◽  
Finance Industry ◽  
Credit Default ◽  
The Cost

The risk that a borrower may not fulfil his/her borrowing obligation presents credit owner (lender) a default risk management opportunity to maximize the risk-adjusted rate of return and to maintain minimum exposure to default associated cost. This paper investigated respondents’ perception of the cost of credit default and examines requirements for default risk management (DRM) in the vehicle finance industry in South Africa. It is noted that with an increased level of consumer indebtedness, unstable economy, high unemployment, opportunistic risks like health pandemics, vehicle financing faces a higher probability of default from borrowers. This descriptive investigation utilised quantitative approach using a survey method to collect data from 381 purposive randomly selected respondents who are vehicle finance customers in South Africa, Cape Town specifically. Data collection took place in the Western Cape over a nine-month period, utilising personal interview, and emails to administer questionnaires to vehicle finances’ customers as data collection instruments. Responses received were codified and quantitative data were analysed using the Statistical Packages for Social Sciences (SPSS version 25) The paper found mixed and variable respondents’ perception of the cost of credit default. In conclusion, it is perceived that South Africa debt would become more costly with credit default. It can be recommended that a default risk management intervention be applied to manage credit default risk within the context of the unified credit assessment policy in South Africa.

scholarly journals The Impact of Ethical Practices on the Performance of Small and Medium Enterprises in South Africa

2017 ◽  
Vol 9 (5) ◽  
pp. 209-218
Author(s):  
Obey Dzomonda ◽  
Olawale Fatoki
Keyword(s):  
South Africa ◽  
Data Collection ◽  
Small Businesses ◽  
Quantitative Research ◽  
Ethical Issues ◽  
Small And Medium Enterprises ◽  
Primary Data ◽  
Survey Method ◽  
Ethical Practices ◽  
The Impact

 SMEs have become beacons of hope towards improving economic growth and development of many countries globally. However, the literature documents a high discontinuance rate among small businesses. The purpose of this study is to investigate the impact of ethical practices on the performance of SMEs in South Africa. The study was based on a quantitative research design. The survey method was used as a data collection method. Using this method, self-administered questionnaires were used as the primary data collection tool. These questionnaires were hand delivered to the participants by the researcher. The random sampling method was used to obtain the participants. The population consisted of SME owner/managers in Polokwane municipality. 74 SME owner/managers participated in the survey. Data analysis included descriptive statistics, factor analysis, T tests and regression analysis. The Cronbach’s alpha was used as a measure of reliability. The findings showed that SMEs display unethical behavior and a weak performance. It was discovered that SMEs does not have policies in place to guide their ethical behavior. The T test results showed significant differences between gender and education levels with ethical practices of SMEs. The regression results showed that there is a positive relationship between ethical practices and performance of SMEs. Recommendations were made for SMEs to treat ethical issues seriously lest they risk incurring costs associated with lawsuits and negative brand reputation. 

scholarly journals ANALISIS BIAYA DAN PENDAPATAN PETERNAK AYAM BROILER DI KOTA SEMARANG

MEDIAGRO ◽  
2020 ◽  
Vol 15 (2) ◽  
Author(s):  
Dwi Umi Mulyaningsih ◽  
W D Prastiwi ◽  
W Sarengat
Keyword(s):  
Data Collection ◽  
Average Cost ◽  
Broiler Chicken ◽  
Sampling Method ◽  
Secondary Data ◽  
Primary Data ◽  
Survey Method ◽  
Broiler Breeders ◽  
Average Income ◽  
The Cost

ABSTRACT The research intends to know the cost and income broiler breeders in Semarang City. Reasearch obtained by breeders in Gunungpati district and Mijen district. The method use in this research is survey method with purposive sampling method. The study look place from January until February 2015. Data collection consisted of primary and secondary data. Primary data obtained from the observation and interviews of respondents. The results of this study show calculation there is no difference in cost and income between broiler breeders in Gunungpati district with Mijen district. The results show that the average cost of broiler breeders in Gunungpati district Rp 198.003.520,04 and in Mijen district Rp 183.488.974,87 and the average income of broiler breeders in Gunungpati district Rp 14.422.095 and in Mijen district Rp 17.209.832. There is no difference in cost broiler breeders in Gunungpati district and Mijen district with significance value 0,627>0,05, and there is no difference in income broiler breeders in Gunungpati district and Mijen district with significance 0,653>0,05. Keywords: Broiler chicken, cost, income, breeders.

Taking archives to the people

2019 ◽  
Vol 37 (3) ◽  
pp. 374-388 ◽  
Author(s):  
Jonathan Mukwevho ◽  
Mpho Ngoepe
Keyword(s):  
South Africa ◽  
Social Media ◽  
Data Collection ◽  
Survey Method ◽  
Web Based ◽  
Content Type ◽  
The People ◽  
Social Media Platforms ◽  
Public Archives ◽  
Diverse Data

Purpose Despite the availability of the mandate of public archives repositories to “take archives to the people in South Africa”, archives in South Africa remain largely the domain of the elite. The purpose of this paper is to investigate the adoption of social media in South Africa as a tool for taking archives to the people especially young people between the age of 13 and 34. The researchers confined the study to all ten public archives repositories in South Africa. Design/methodology/approach This quantitative study collected data using survey questionnaires and web-based content analysis of social media presence of public archives repositories. Findings The study revealed that few public archives repositories are using Facebook, followed by Twitter and LinkedIn to engage users. The public archives repositories rely mostly on social media platforms operated by their mother bodies as they are subsidiary units within arts and culture departments in government. As a result, public archives repositories are restricted to operate their own accounts on social media. It is argued that public archives should be allowed by their mother departments to operate their own accounts on social media platforms. Failure to change this restriction could lead to public archival institutions continuing to take archives away from the people, instead of taking archives to the people. Research limitations/implications The study sought to provide useful practical implications for public archives repositories as it would serve as a benchmarking tool to enable the development and reporting on the visibility and accessibility of archival material, and thus ensure an increased public knowledge of archives. Originality/value The study triangulated data collection instruments that helped to collect as much and as diverse data as possible, which generated the best possible insights into the phenomenon of interest. Previous similar studies in South Africa utilised only survey method with either interviews or questionnaires as data collection tools.

The Use of Principles of Good Assessment in Recognition of Prior Learning Practice in Library and Information Science in South Africa

Mousaion ◽  
2018 ◽  
Vol 35 (3) ◽  
Author(s):  
Ike Khazamula Hlongwane
Keyword(s):  
South Africa ◽  
Information Science ◽  
Good Practice ◽  
Survey Method ◽  
Library And Information Science ◽  
Prior Learning ◽  
Good Assessment ◽  
Recognition Of Prior Learning ◽  
Appeals Process ◽  
South African Higher Education

Recognition of Prior Learning (RPL) practice offers sound benefits to library and information science (LIS) schools. Despite these envisaged benefits, very little is known about RPL practice in LIS schools in South Africa. This study sought to establish whether principles of good assessment were being followed in the LIS schools to ensure the integrity of the RPL outcomes. A combination of a questionnaire and document analysis were used to collect data from the ten LIS schools in the South African higher education and training landscape. The questionnaire was used to collect quantitative data through a survey method. In addition, the researcher employed content analysis to collect qualitative data from institutional RPL policy documents. The findings indicate that RPL assessment processes across LIS schools in South Africa were largely subjected to principles of good practice. The study found that in accordance with the SAQA RPL policy the purpose of assessment was clarified to the candidate upfront, the quality of support to be provided to the candidate in preparing for the assessment was established, an appeals process was made known to the candidate, and the choice of assessment methods was fit for purpose to ensure credible assessment outcomes. It is therefore recommended that other disciplines or departments use LIS schools’ experiences as a benchmark to improve their own RPL endeavours.

Gasteria langebergensis, a new status for a Gasteria from the Western Cape, South Africa

Bradleya ◽  
2019 ◽  
Vol 2019 (37) ◽  
pp. 167
Author(s):  
E.J. Van Jaarsveld ◽  
B.J.M. Zonneveld ◽  
D.V. Tribble
Keyword(s):  
South Africa ◽  
Western Cape

Evaluating government's communication strategy of the 16 Days of Activism campaign for No Violence Against Women and Children in South Africa

2020 ◽  
Vol 9 (4) ◽  
pp. 219-241
Author(s):  
Mutambuli J. Hadji
Keyword(s):  
South Africa ◽  
Violence Against Women ◽  
Diffusion Of Innovation ◽  
School Curriculum ◽  
Economic Consequences ◽  
Communication Strategy ◽  
Survey Method ◽  
Gender Based Violence ◽  
Women And Children ◽  
Gender Based

This article aims to evaluate government's communication strategy and citizens' awareness of the 16 Days of Activism for No Violence against Women and Children campaign in Soshanguve, South Africa. The study applied the diffusion of innovation theory because of its ability to assess how communities receive communication about the campaign from various media. Survey method was used to collect data, which was analysed using descriptive statistics. It was found out that mass media and other communication channels were main sources of campaign messages, which help the community to know how to address gender-based violence issues. Notably, this study found that females were more likely to know about the campaign than males. This article recommends that this campaign should be visible throughout the year and there should be more campaigns targeting men, and school curriculum, which educate pupils about the social and economic consequences of GBV.

Sign in / Sign up

Export Citation Format

Share Document