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Analysing personal financial wellness amongst employees of a South African tertiary institution 分析南非高等教育机构员工的个人财务状况
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-12-14 DOI: 10.4102/td.v16i1.682
J. Fouché, Johanna Manyaapelo
The financial health of employees is increasingly becoming important in many organisations. Personal financial wellness not only contributes to the overall well-being of employees but also affects their job productivity. Thus, employers need the necessary knowledge to evaluate and address employees’ personal financial wellness levels effectively. The main objective of this study was to analyse the level of personal financial wellness amongst employees at a South African tertiary institution and gain insight which employers can use in addressing the needs of their staff with regard to personal finances. The study followed a cross-sectional design. Primary data were collected using a self-administered questionnaire from 60 attendees of a personal finance workshop, using the validated Personal Finance Well-being Scale. Practically visible to practically significant correlations were found between the number of years employed, income tax percentage paid on income earned, age, number of years being a homeowner and personal financial well-being, respectively. There were also practically non-significant correlations between general health levels, highest qualification, the number of children living in a household, number of children or other financially responsible adults and personal financial well-being. Employees’ sources of advice also seemed to influence their financial well-being. Respondents indicated that they experienced high financial stress to overwhelming stress and were dissatisfied with their current financial situation. It is also the first study to determine the level of financial wellness amongst a group of employees in the higher education sector using the Personal Finance Well-being Scale and only the third study that was found to use this scale amongst employees. This should enable employers to better support their employees.
在许多组织中,员工的财务状况变得越来越重要。个人财务健康不仅有助于员工的整体健康,还会影响他们的工作效率。因此,雇主需要必要的知识来评估和有效地解决员工的个人财务健康水平。本研究的主要目的是分析南非高等教育机构员工的个人财务健康水平,并深入了解雇主可以在解决员工个人财务需求方面使用的方法。该研究采用了横断面设计。主要数据是通过对60名个人理财研讨会参与者的自我管理问卷收集的,使用了经过验证的个人理财幸福量表。在就业年数、收入所得税百分比、年龄、拥有住房年数和个人财务状况之间,分别发现了从实际可见到实际显著的相关性。总体健康水平、最高资格、家庭中子女人数、子女或其他负责经济的成年人人数与个人财务状况之间实际上也没有显著的相关性。员工的建议来源似乎也会影响他们的财务状况。受访者表示,他们经历了巨大的财务压力,对目前的财务状况不满意。这也是第一个使用个人财务健康量表确定高等教育部门一组员工财务健康水平的研究,也是第三个在员工中使用该量表的研究。这将使雇主能够更好地支持他们的员工。
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引用次数: 1
Entrepreneurship and women’s economic empowerment in Zimbabwe: Research themes and future research perspectives 津巴布韦的企业家精神和妇女经济赋权:研究主题和未来研究前景
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-12-09 DOI: 10.4102/td.v16i1.787
E. Derera, Francesca Croce, M. Phiri, C. O'Neill
This article explores women’s entrepreneurship research conducted in Zimbabwe. For this purpose, a literature review approach was adopted where all journal articles published between 1990 and 2018 that addressed the issues of women entrepreneurship in Zimbabwe were searched and analysed. The articles were searched on Google Scholar using the following keywords: women entrepreneurs, women small business owners, women in informal sector and Zimbabwe. In total, 11 articles were retrieved, indicating a dearth of research studies on women entrepreneurship, particularly from the formal sector perspective, giving a glimpse of the entrepreneurship landscape in Zimbabwe. The content analysis of the selected articles resulted in the identification of eight themes: (1) feminism perspective, (2) informal sector trading, (3) motivations for entrepreneurship, (4) entrepreneurship characteristics, (5) obstacles in entrepreneurship, (6) socio-cultural challenges, (7) cross-border trading and (8) coping strategies within the context of women entrepreneurship in Zimbabwe. Discussions on these themes were situated within the broader literature and trends on existing women entrepreneurship literature. The study has implications at a practical and theoretical level. Supporting women entrepreneurship has positive effects on poverty reduction in agreement with the Sustainable Development Goals, and this study suggests women’s empowerment to operate at higher echelons of the business sector with bespoke support mechanism that fosters sustainable development. Also, the study proposed suggestions for future research on women entrepreneurship in Zimbabwe and other African countries.
本文探讨了在津巴布韦进行的女性创业研究。为此,我们采用了文献综述的方法,对1990年至2018年间发表的所有涉及津巴布韦女性创业问题的期刊文章进行了检索和分析。这些文章在谷歌Scholar上搜索,关键词为:女企业家、女小企业主、非正规部门妇女和津巴布韦。总共检索到11篇文章,表明缺乏关于妇女创业的研究,特别是从正规部门的角度,这使人们对津巴布韦的创业情况有了一种了解。通过对所选文章的内容分析,确定了八个主题:(1)女权主义视角;(2)非正规部门贸易;(3)创业动机;(4)创业特征;(5)创业障碍;(6)社会文化挑战;(7)跨境贸易;(8)津巴布韦女性创业背景下的应对策略。关于这些主题的讨论是在关于现有妇女创业文献的更广泛的文献和趋势中进行的。该研究具有实践和理论意义。支持女性创业对减贫具有积极影响,符合可持续发展目标,本研究建议赋予女性权力,使其能够在商业部门的高层运作,并提供定制的支持机制,促进可持续发展。此外,该研究还为今后研究津巴布韦和其他非洲国家的妇女创业提出了建议。
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引用次数: 11
E-payment instruments and welfare: The case of Zimbabwe 电子支付工具和福利:津巴布韦的案例
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-12-08 DOI: 10.4102/td.v16i1.823
Munacinga C. Simatele
The literature shows that electronic payments are key to improving financial inclusion and achieving global development goals such as the United Nation’s (UNs) Sustainable Development Goals. The benefits are premised on the welfare-enhancing effects of digital payments, which reduce costs, the probability of loss and risk for low-income consumers, as well as improve access to formal financial services. This study thus investigates the conditions under which these welfare-enhancing gains can be obtained. It considers the conditions under which e-payments can be welfare enhancing by using qualitative data from Zimbabwe. The severe liquidity constraints in Zimbabwe provide a good case for evaluating how well e-payments work, as the relative absence of cash has made the use of mobile money inevitable. Focus group data are analysed to understand participants’ everyday experiences with the e-payment system in Zimbabwe. The results indicate that the key challenges with payment systems faced by households include high costs, malfunctions of the system at the point of sale, lengthy refund processes and limited acceptance. Participants indicate a strong preference for foreign exchange cash as a mode of payment. High levels of concentration in the mobile money market, lack of transparency by financial service providers and a strong preference for cash by retailers are the main drivers of system failure. Therefore, this study identifies the need for the government to address the lack of competition in the market, as well as address macroeconomic liquidity constraints.
文献表明,电子支付是改善普惠金融和实现联合国可持续发展目标等全球发展目标的关键。这些好处的前提是数字支付的福利增强效应,它降低了成本,降低了低收入消费者损失和风险的可能性,并改善了获得正规金融服务的机会。因此,本研究调查了这些福利增加收益可以获得的条件。它考虑了电子支付可以通过使用津巴布韦的定性数据来提高福利的条件。津巴布韦严重的流动性限制为评估电子支付的效果提供了一个很好的案例,因为现金的相对缺乏使得移动货币的使用不可避免。对焦点小组的数据进行分析,以了解参与者对津巴布韦电子支付系统的日常体验。结果表明,家庭支付系统面临的主要挑战包括高成本、销售点系统故障、漫长的退款流程和有限的接受度。与会者表示,他们强烈倾向于使用外汇现金作为支付方式。移动货币市场的高度集中、金融服务提供商缺乏透明度以及零售商对现金的强烈偏好是导致系统故障的主要原因。因此,本研究确定了政府需要解决市场缺乏竞争的问题,以及解决宏观经济流动性约束问题。
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引用次数: 5
Profiles of tourists participating in shark cage diving in Gansbaai, South Africa 南非甘斯拜参加鲨鱼笼潜水的游客简介
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-12-02 DOI: 10.4102/td.v16i1.772
N. Mabaleka, N. Ntloko, K. Swart
Coastal and marine tourism is a sector that draws visitors from around the globe to South Africa. This is largely because of an array of marine wildlife resources found in the country. Despite this strong pull factor, there is limited information on the economic value of the marine environment. This article focuses on establishing the profiles of visitors taking part in shark cage diving in Gansbaai. Such profiling will facilitate the understanding of the potential target market of CMT visitors to Gansbaai, whilst contributing towards targeted developments in the area aimed at capturing the economic value of such visitors through the provision of a range of visitor-specific activities to make the destination more appealing. It will also contribute to further developments in the area, in providing a wide range of activities to make the destination more appealing. In ascertaining the profile of visitors, a quantitative research design was adopted. A total of n = 378 self-administered questionnaires were collected from visitors taking part in shark cage diving using a face-to-face proportionate sampling technique. The results revealed that a majority of visitors were drawn to Gansbaai because of shark cage diving and that a large portion travelled to Gansbaai for holiday purposes. There was a challenge in the ability of the destination to attract overnight visitors because of a limited product offering in the area. As a result, minimal spending occurs in Gansbaai as an overwhelming majority of the visitors are day visitors. These results have implications for tourists, tourism destination planners, tour operators and tourism establishments in Gansbaai.
沿海和海洋旅游业吸引着来自世界各地的游客来到南非。这在很大程度上是因为该国发现了一系列海洋野生动物资源。尽管有这种强大的吸引力因素,但关于海洋环境经济价值的信息有限。本文的重点是建立在甘斯白参加鲨鱼笼潜水的游客概况。这样的分析将有助于了解到甘斯拜的CMT游客的潜在目标市场,同时有助于该地区的有针对性的发展,旨在通过提供一系列针对游客的活动来获取这些游客的经济价值,使目的地更具吸引力。它还将有助于该地区的进一步发展,提供广泛的活动,使目的地更具吸引力。在确定访客的概况时,采用了定量研究设计。采用面对面比例抽样技术,从参加鲨鱼笼潜水的游客中收集了n = 378份自我填写的问卷。调查结果显示,大多数游客是由于鲨鱼笼潜水而被吸引到甘斯拜的,其中很大一部分是为了度假而来的。由于该地区提供的产品有限,该目的地吸引过夜游客的能力面临挑战。因此,由于绝大多数游客都是日间游客,因此在甘斯拜的消费很少。研究结果对甘白地区游客、旅游目的地规划人员、旅游经营者和旅游机构具有一定的指导意义。
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引用次数: 0
Mobile financial services for bottom of pyramid users: Reality or pipe dream? 面向金字塔底层用户的移动金融服务:现实还是白日梦?
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-26 DOI: 10.4102/td.v16i1.809
Clement Makholwa, Adheesh Budree, S. Kabanda
Mobile financial services (MFSs) are perceived to be a potential solution in addressing emerging economies’ challenges. Through MFS, benefits associated with economic financial inclusion and economic growth and opportunities could be realised. Yet, not all emerging economies fully experience these benefits, especially in sub-Saharan Africa and more specifically the bottom of the pyramid (BoP) group of individuals who are characterised as the world’s poorest consumers, living primarily in the informal sector. This study sought to examine the factors contributing to the BoP group’s behavioural intention to adopt MFS in South Africa. The study was positivist in nature, using survey-based questionnaires to garner information from BoP users on MFS adoption. Data were tested for validity and analysed by using structured equation modelling to assess the hypotheses. The findings show that habit, performance expectancy and uncertainty avoidance are strong predictors of behavioural intent. These findings can have significant implications on how MFS service providers operate in the South African context and can be used by government to drive technology as a basis for financial inclusion.
移动金融服务被认为是应对新兴经济体挑战的潜在解决方案。通过MFS,可以实现与经济金融包容性、经济增长和机遇相关的利益。然而,并非所有新兴经济体都能充分体验到这些好处,尤其是在撒哈拉以南非洲,更具体地说,是金字塔底部的一群人,他们被称为世界上最贫穷的消费者,主要生活在非正规部门。这项研究试图检验导致BoP集团在南非采用MFS的行为意图的因素。这项研究本质上是实证研究,使用基于调查的问卷从BoP用户那里收集关于MFS采用的信息。通过使用结构化方程模型对数据进行有效性测试和分析,以评估假设。研究结果表明,习惯、预期表现和避免不确定性是行为意图的有力预测因素。这些发现可能对MFS服务提供商在南非的运营方式产生重大影响,并可被政府用来推动技术作为金融包容性的基础。
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引用次数: 1
Gender conversations in Zimbabwe: A precursor of male gaze in visual art practices 津巴布韦的性别对话:视觉艺术实践中男性凝视的先驱
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-25 DOI: 10.4102/td.v16i1.768
D. D. Dziwa, L. Postma, L. Combrink
Masculine hegemonic predisposition dominates the gender culture in Zimbabwe. From this perspective, the notion of the male gaze entails that visual interpretation, amongst other things, at encoding and decoding levels is consequently performed with a specific hegemonic ‘lens’. It follows that much of visual art, films and advertisements are created to please and reinforce a male-biased perspective which renders women powerless and subordinate. In the visual arts, this is particularly evident in the manner that the representation of space reflect this bias. Guided by critical phenomenology, this study adopted an interpretive methodology informed by decolonial views to explore and challenge gender identity constructions in visual culture. Engagement with gender literature and visual discourse analysis revealed the demeaning effects of patriarchy and also coloniality on women in much of Zimbabwean art. The discourse of decolonial activist art opposes the male gaze and aims to disrupt the power dynamics which position women to be inferior or less visible in the public art space. This type of activist art is concerned with the possible critical transformative impact of the visual arts in contesting and resisting gender dichotomy, imbalances and inequality.
男性霸权倾向主导着津巴布韦的性别文化。从这个角度来看,男性凝视的概念意味着,在编码和解码层面上的视觉解释,因此是用一个特定的霸权“镜头”进行的。因此,许多视觉艺术、电影和广告的创作都是为了取悦和强化男性偏见,这种偏见使女性变得无能为力和从属。在视觉艺术中,这一点尤其明显,因为空间的表现反映了这种偏见。在批判性现象学的指导下,本研究采用了一种基于非殖民化观点的解释方法来探索和挑战视觉文化中的性别认同建构。性别文学和视觉话语分析揭示了父权制和殖民主义在津巴布韦大部分艺术中对女性的贬低作用。非殖民化活动家艺术的话语反对男性的凝视,旨在破坏权力动态,使女性在公共艺术空间中处于劣势或不那么显眼。这种类型的激进艺术关注视觉艺术在对抗性别二分法、失衡和不平等方面可能产生的关键变革影响。
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引用次数: 0
Using Setswana in business transactions in the clothing industry at the West Rand District Municipality in Gauteng 在豪登省西兰德区的服装行业商业交易中使用Setswana
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-24 DOI: 10.4102/td.v16i1.856
Solomon T. Macucwa, Thabo Ditsele, Mary M Makgato
According to Census 2011, the three languages with the highest number of first language (L1) speakers in the West Rand District Municipality in Gauteng are Setswana (27.3%), Afrikaans (16.9%) and isiXhosa (14.9%). This district municipality comprises the following three local municipalities: Mogale City (including Krugersdorp); Rand West City (including Randfontein) and Merafong City (including Carletonville). Setswana has more L1 speakers in two out of the three local municipalities, namely Mogale City (31.7%) and Rand West City (24.3%). In Merafong City, Setswana has the second highest percentage of L1 speakers at 21.4%, the highest being isiXhosa at 24.9%. While this district municipality does not have a majority language, Setswana is the most spoken among its black residents. The objective of this article was to analyse how Setswana is used in business interactions at clothing stores in the West Rand District Municipality. A qualitative approach (through interviews and participant observation) was used to gather data at clothing stores in Krugersdorp, Randfontein and Carletonville. Customers preferred to be addressed in Setswana by salespersons at clothing stores, but they conceded that the language lacks adequate terminologies to be used effectively in this industry.
根据2011年人口普查,豪登省西兰德区市政当局第一语言(L1)使用者人数最多的三种语言是塞茨瓦纳语(27.3%)、南非荷兰语(16.9%)和伊西科萨语(14.9%)。该区市政当局包括以下三个地方市政当局:莫加莱市(包括克鲁格斯多普);兰德西城(包括兰德方丹)和梅拉丰市(包括卡尔顿维尔)。在三个地方市镇中的两个市镇,即莫加莱市(31.7%)和兰德西城(24.3%),塞茨瓦纳的母语使用者更多。在梅拉丰市,塞茨瓦纳的母语使用者比例第二高,为21.4%,最高的是伊西科萨语,为24.9%。虽然该区市镇没有多数语言,但塞茨瓦娜是黑人居民中使用最多的。本文的目的是分析Setswana在西兰德区服装店的商业互动中是如何使用的。采用定性方法(通过访谈和参与者观察)在克鲁格斯多普、兰德方丹和卡勒顿维尔的服装店收集数据。顾客更喜欢服装店的销售人员在Setswana称呼他们,但他们承认,这种语言缺乏足够的术语来在这个行业中有效使用。
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引用次数: 1
An examination of the challenges of quality water provision in Madibeng local municipality, North West province 对西北省马地本市优质供水挑战的考察
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-24 DOI: 10.4102/td.v16i1.775
Josephine E. Ranngu, R. Mukonza
Like most municipalities in South Africa, Madibeng local municipality (MLM) is faced with the dual problem of access to water and provision of quality water services. Despite the constitutional responsibility bestowed on municipalities to ensure that residents have consistent access to affordable, reliable and quality water, communities in larger portions of the MLM still have no access to quality water services. This article aimed to explore challenges of quality water service provision in MLM. Focusing on the Letlhabile area within the MLM, the article applied a mixed-method research approach whereby a non-probability sampling design was used to draw a sample of 70 respondents, comprising residents and responsible municipal officials. As part of the study findings, several challenges hindering provision of water services in MLM were confirmed. These included faltering district-local relations between MLM and Bojanala Platinum District Municipality, acute scarcity of technical skills such as water treatment technicians and as paucity of competent municipal leadership. In its conclusion, this article proposes possible solutions to the water-related problems prevalent in the municipality.
与南非大多数市政当局一样,马迪本地方市政当局(MLM)面临着获得水和提供优质水服务的双重问题。尽管宪法赋予市政当局确保居民持续获得负担得起的、可靠的和优质的水的责任,但传销大部分地区的社区仍然无法获得优质的水服务。本文旨在探讨在传销中提供优质供水服务的挑战。关注传销内的Letlhabile地区,本文采用混合方法研究方法,采用非概率抽样设计,抽取了70名受访者的样本,包括居民和负责任的市政官员。作为研究结果的一部分,确认了阻碍传销提供供水服务的几个挑战。这些问题包括马列传销和博贾纳纳白金区市政府之间的地区与地方关系不稳定,水处理技术人员等技术技能严重缺乏,以及缺乏称职的市政领导。在结论部分,本文对该市普遍存在的与水有关的问题提出了可能的解决方案。
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引用次数: 0
The ‘anti-sociality’ of social media as portrayed in selected Zimdancehall songs Zimdancehall精选歌曲中所描绘的社交媒体的“反社会性”
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-19 DOI: 10.4102/td.v16i1.839
Raphael Nhongo, B. Tshotsho, T. F. Muringa
Background: Although social media was designed with the aim of bringing good, it has however taken negative trajectory in societies of the world which has resulted in unpleasant outcomes such as conflicts, lack of Ubuntu, family disintegration and even death of some people. All sectors of the society that include media, government departments, the law courts, the police, educational institutions, the home and arts industry have all pointed to the negatives of social media. Musicians as social commentators and members of the society sensitive to social issues have also observed and raised their concerns about the effects of social media through songs. Aim: The article analyses the effect of negativity of social media on the lives of the people of Zimbabwe as revealed in selected songs. Setting: Selected songs and most particularly Zimdancehall songs that are about the problems that are brought by social media in society will be analysed. Methods: In the analysis, the article, therefore, adopts textual analysis as the method. WhatsApp is the major form of social media that will be focused on although others such as Facebook, Instagram and Twitter would also form part of the discussion. Results: Zimdancehall artists appear to have nothing to celebrate about social media as they are blame everything about it. Conclusion: The article shall conclude that although social media was meant to bring people together, it has, however, set them apart and has created many problems in society and thereby becoming an antisocial platform.
背景:尽管社交媒体的设计目的是带来好处,但它在世界社会中却走上了负面的轨道,导致了冲突、缺乏Ubuntu、家庭解体甚至一些人死亡等不愉快的结果。包括媒体、政府部门、法院、警察、教育机构、家庭和艺术行业在内的社会各界都指出了社交媒体的负面影响。音乐家作为社会评论员和对社会问题敏感的社会成员,也通过歌曲观察和表达了他们对社交媒体影响的担忧。目的:本文分析了社交媒体的负面影响对津巴布韦人民生活的影响。背景:将分析选定的歌曲,尤其是Zimdancehall关于社交媒体给社会带来的问题的歌曲。方法:在分析中,本文采用了语篇分析的方法。WhatsApp是社交媒体的主要形式,尽管Facebook、Instagram和Twitter等其他公司也将参与讨论。结果:Zimdancehall的艺术家们似乎对社交媒体没有什么值得庆祝的,因为他们要为此承担一切责任。结论:文章应该得出结论,尽管社交媒体旨在将人们聚集在一起,但它却将他们分开,并在社会中制造了许多问题,从而成为一个反社会平台。
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引用次数: 0
Corrigendum: Towards strengthening collaboration between district and local municipalities in South Africa: Insights from Ehlanzeni District Municipality 更正:加强南非地区和地方市政当局之间的合作:埃兰泽尼地区市政当局的见解
IF 0.3 Q4 SOCIAL SCIENCES, INTERDISCIPLINARY Pub Date : 2020-11-09 DOI: 10.4102/td.v16i1.799
Douglas N. Magagula, R. Mukonza, R. K. Manyaka, K. Moeti
No abstract available.
没有可用的摘要。
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引用次数: 0
期刊
TD-The Journal for Transdisciplinary Research in Southern Africa
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