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Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa
Mini Dissertation (MBA)--University of Pretoria, 2021.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2022
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| _version_ | 1867613466283474944 |
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| access_status_str | Open Access |
| author2 | Asbury, Sureka |
| author_browse | Asbury, Sureka |
| author_facet | Asbury, Sureka |
| collection | Thesis |
| dc_rights_str_mv | © 2020 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Mini Dissertation (MBA)--University of Pretoria, 2021. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/85378 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:36:35.732Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2022 |
| publishDateRange | 2022 |
| publishDateSort | 2022 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/85378 Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa Asbury, Sureka Phatlane, Latimer Kgakgamatso UCTD Mini Dissertation (MBA)--University of Pretoria, 2021. The purpose of this study is to learn more about how 'investing-stokvels' are emerging as a new player in the microfinance sector, seeking to fulfill the same goals as Co-operative Financial Institutions (CFIs) in terms of servicing entrepreneurs and other socioeconomic demands. While the savings culture of South African stokvels as a whole has received a lot of academic attention, the goal of this study is to focus on a subset of investment-stokvels and their behavioral patterns in terms of economic development. The method used is to match the existing behavior of a similar but formalized structure of CFIs and extract best practices in order to enable and demonstrate investment stokvels' willingness and ability to change and accept microfinance goals. The opinions, experiences, and attitudes of ten investment stokvels, three CFIs, and two regulatory authorities are captured in this study. This was accomplished through a qualitative study approach in which data was obtained from the participants via semi-structured interviews done at their convenience. The study's three key findings were: first, willingness to transform is a result of understanding the transformation process, as well as being flexible to work and partner towards a clear objective and keeping a high value system. Second, investment stokvel risk tolerance must be in line with the company's strategy and leadership skills. Third, the adoption of systems and tools improves a company's operational credibility and attracts capital investment prospects. The study contributes to the field of micro-finance and economic behavioral patterns. zl22 Gordon Institute of Business Science (GIBS) MBA Unrestricted 2022-05-17T11:20:36Z 2022-05-17T11:20:36Z 2022/04/07 2021 Mini Dissertation * https://repository.up.ac.za/handle/2263/85378 en © 2020 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title | Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title_full | Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title_fullStr | Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title_full_unstemmed | Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title_short | Investment-stokvels : using co-operative finance for bridging the credit gap to micro-finance start-ups and SMEs in South Africa |
| title_sort | investment stokvels using co operative finance for bridging the credit gap to micro finance start ups and smes in south africa |
| topic | UCTD |
| url | https://repository.up.ac.za/handle/2263/85378 |