https://ir.unisa.ac.za/handle/10500/30856 UN SDGs 2026-06-19T16:30:44Z https://ir.unisa.ac.za/handle/10500/32651 User acceptance of cellphone banking Schroder, Yvonne Venessa The development and growth of most economies are severely influenced by the health and ever-unfolding potential of its financial sector. For an economy to grow, people must become (increasingly) economically active. The successful delivery of the Financial Services Charter (FSC), in providing greater accessibility to financial services, will have a positive influence in the economical development and upliftment of a substantial portion of the South African market, i.e. the un- and underbanked. Hence, it also has obvious benefits for the country as a whole. The aim of the FSC is to greatly encourage the effective access available. to LSM1-5. The yardstick is set at 80% for transaction accounts (''first order retail financial services products") by 2008 (Financial Services Charter, 2003). FinScope reports the actual usage as 32% in 2003. Truly successful delivery of greater accessibility to financial services will require creative business thinking, ensuring that all role role-players, (i.e. the state; banks as well as individual clients), agree on the effectiveness of the provided delivery. This order of success is only possible through innovation. Innovation - more specifically technology driven innovations - is a wellacknowledged catalyst in the cost reduction of services. In South Africa the telecommunication sector is a prime example of how innovation (presented in a manner that speaks directly to the target markets unmet needs) can disrupt an industry. There is also a strong market opinion that cellphones, together with the Dedicated Banks Bill (DBB), will play a fundamental role in providing access on the financial sector. By applying relevant theories and models (obtained from literary reviews), this research aims to investigate Wizzit, a new market entrant to the financial sector, offering a mobile transaction channel bundled with a Maestro branded debit card. The focus evaluated Wizzit's market offering (as a mobile transaction channel by means of a cellphone} compared to existing traditional offerings to the same target market. The focus of this study is to investigate if the target market deems cellphone banking as an acceptable method of conducting personal banking. It is not the intention to compare various cellphone-based offerings with another. Rather, the emphasis is to undertake field research to determine the target's market perception of a mobile access channel per se. Wizzit Bank serves as the reference base - representative of the target market, from which the sample is taken. Focus is given to understanding the subtle interplay between learning, marketing and developing an insight into structuring the appropriate value proposition, which incentivises the desired change in customer behaviour. Thus, in closing, this explorative study is founded on qualitative field research, investigating the target market's perceptions on the appropriateness of the marketing and business approach of Wizzit (as a cellphone banking service provider}, promoting an alternative approach of transaction banking to the poorer people in South Africa. Business Leadership 2005-11-30T00:00:00Z https://ir.unisa.ac.za/handle/10500/32650 The financing of small businesses in the Greater Soweto Area Dhlamini, Alfred Siphiwe Small business plays an important role in the economies of all countries where the free enterprise system is the accepted economic system. Small business, firstly, accounts for a large proportion of the economic activity, and secondly plays a major role in job creation. According to Sunter (1993a:82), 95 per cent of the jobs being created worldwide are in the small business and informal sectors. However, small businesses mostly find it difficult to raise funds to operate due to a number of problems as indicated by Vos loo (1989d: 1). This study seeks to investigate the financing of small businesses in the Greater Soweto Area with particular reference to the different sources of finance available to small business, the factors that influence the capital requirements of small businesses, the actual sources of finance utilized by small businesses in the greater Soweto Area, the extent of the use of informal finance by small businesses .and the financing problems experienced by small businesses in the Greater Soweto Area. The study is divided into three main sections. Firstly, a literature study of the subject is undertaken. Secondly, an empirical study i"s conducted by means of data collected from 400 small businesses in the Greater Soweto Area. The data is analyzed and reported on. Thirdly, a number of conclusions are drawn from the analyses of the data (see section 5.2) and a number of recommendations are made (see Section 5.4). In Section 5.5 areas for further research are proposed 1994-01-01T00:00:00Z https://ir.unisa.ac.za/handle/10500/32647 Outsourcing in the forestry industry in South Africa: a study of the indicators for long-term sustainability Van Loggerenberg, Carl The business environment is changing globally more rapidly than most individuals and organisations are willing to accept or are prepared to anticipate. The forestry industry itself is faced with various changes in the political, economical and social environment. Change is marked by the globalisation of timber markets, new technology, reformed political regulations and changing values in rural societies. Initially outsourcing was all about costs - finding someone who could do the same job, better, faster, cheaper or all three. Outsourcing then became strategic - the focus encompassing the even larger opportunity costs savings that come when an organisation reinvests the freed resources back into even higher value producing processing capabilities. Management is currently looking at their outsourcing partners to do all these things and to become sources of innovation - helping them to create new ways of doing business. However, companies often do not choose outsourcing partners with any degree of science or structure and then they fail to appreciate that business is dynamic. The deal negotiated today will probably be obsolete before pen is put to paper. Outsourcing initiatives require governance and ongoing management to ensure success. Governance ensures that the partners understand the what, when and how of the outsourcing agreement, as well as the roles and responsibilities of each partner. Ongoing management ensures cost savings don't just come from labour arbitrage but from improved productivity as well. Outsourcing does not remove the principle companies need to manage the process. A comprehensive outsourcing arrangement requires monitoring and redefining as well as strategic management and other retained functions. Every time an organisation outsources successfully, it lowers its costs, improves its balance sheet, reduces its business risks, and expands its capabilities. If outsourcing is to continue to grow over the next ten years and to be sustainable then organisations will have to produce better results with greater regularity and at lower costs. Doing this will take a collaborative effort from all the stakeholders. This research document will explore the presence of indicators for sustainable outsourcing. The approach will be to deal with both the 'hard' management tools and processes which should be uitilised and the 'softer' issues of what should be being communicated and the personal styles and attributes required to achieve outstanding sustainable results 2006-01-01T00:00:00Z https://ir.unisa.ac.za/handle/10500/32646 Is the manufacturing sector an engine of growth in South Africa? an analysis of the Eastern Cape Dyubhele, N. (Noluntu) In this thesis the manufacturing sector is assumed to be an engine of growth in South Africa, specifically in the Eastern Cape. The nature of the study is set out in Chapter 1. lts importance in the future economic growth and development of South Africa and the Eastern Cape is stressed by the various theories that are discussed in Chapter 2. Chapters 3 and 4 survey general evidence on the manufacturing industry in South Africa and the Eas1ern Cape. The manufacturing industry in South Africa and the Eastern Cape is at present passing through a difficult period of reorientation and reassessment. lts very success in industrial expansion has created problems. Chapter 5 analyses the problems encountered by the manufacturing industry, both in South Africa and the Eastern Cape. Finally, a summary of the main findings and recommendations on the study are outlined in Chapter 6. The manufacturing industry in South Africa began with the production of certain products for the mining industry. Furthermore, consumer goods were produced for the small and protected home market. The manufacturing sector has been performing below its potential since the early 1990s. This has inhibited growth, employment and development. Since the late 1990s, the manufacturing industry has been on the road to recovery. It is universally acknowledged that the manufacturing industry bas to face international competition in order to strengthen its role as the leading sector. South Africa and the Eastern Cape have to achieve a satisfactory growth rate in total output and employment. This is mainly due to the pressure of a rapidly growing population, a large part of which has a relatively low standard of living. The manufacturing industry, however, is regarded as the key to growth in an economy. This is mainly because of the limited development opportunities in agriculture and mining, and the unsustainable nature of service sector. In fact, the manufacturing industry is closely integrated with the primary sector and the service sector. Employment is one of the indicators of the size and importance of manufacturing. The declining share of employment in manufacturing is a world-wide problem. This problem cannot be easily solved. The service sector has not solved the employment problem. Empirical evidence shows that economies which can generate wealth from manufacturing and have innovative manufacturing activities, increase their chances of creating more employment opportunities. Hence, the manufacturing sector is estimated to be an engine of growth even in South Africa and the Eastern Cape. 2000-01-01T00:00:00Z