Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 22 for “"low income earners"”.
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Dreams derailed: An investigation into the experiences of travel cost burdens for female commuters who are low-income earners
… studies have found that in Cape Town, lower-income households continue to experience a negative commute experience and still spend a disproportionate amount of time and money on travel in relation to higher-income households. Further, no studies have investigated what the user …
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Microfinance : a strategy for facilitating low cost housing in Nigeria
Providing financing options for low income earners is one of the most complex challenges faced by developing countries worldwide. Low income earners require finance to meet their basic needs one of which includes housing. However, in developing countries, this remains a critical issue and many …
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Housing Finance: The Case of Kawe Women Development Trust -Nyumba Ni Mama Self-Help Housing Group
… arises from need for housing finance among low-income earners. 'Nyumba ni Mama' self-help housing group that is part of Kawe Community Development Trust initiatives in Kawe Ward, Kinondoni district, Dar es Salaam is chosen to explore how can such groups access viable housing finance. A …
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Barriers Access to Housing Finance by the Low-Income Groups: National Housing Finance Corporation (NHFC) in South Africa
… the factors is access to finance, mainly by the lower income earners. Government programmes like Financial Linked Individual Subsidy Programme (FLISP) that work through the National Housing Finance Corporation (NHFC) to provide affordable subsidy finance for housing to households who earn in the …
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Savings culture in South Africa: A safety net or an empty net?
… However, South Africa is still facing a low savings rate compared to other developing countries. The purpose of this study is to investigate the factors that inhibit South Africans from having a culture of saving. Specifically, using a convergent parallel mixed methods approach, the study …
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Linking the Community with Low Interest Rate Micro Credits Providers-The Case of Makongo Kinondoni Municipal
… community. At the top of the list was the low income earners need to access to low interest rate micro credits. The findings show that there were various micro credit providers but their interest rate are very high making difficult for economic development of a common man. While in despair …
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Do property stokvels allow for greater economic inclusion than traditional mortgages?
… provision of quality housing, particularly to low-income earners in the country. Since 1994, the South African Government has adopted various interventions with the aim of expediting the supply of housing to ordinary South Africans and thereby ensure a right to adequate housing as enshrined in …
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Impact of Microfinance Institutions in Development of Textile Industries in Tanzania: The Case of PRIDE Tanzania
… in credit repayment defaults by subscribing low-income earners and micro-business owners in the garment sub-industry. In view of the observation made during the study, the researcher recommends that PRIDE TANZANIA should review its interest rate policy and propose for more affordable and …
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A Case Study to Determine if Micro-Unit Developments Create Another Step Along the Housing Ladder for Low-Income Homeowners in Soweto
… that many residents earn more than what is allowed to qualify for a housing subsidy; however, they earn too little to enter the formal market. These residents, therefore, turn to the informal market, where they obtain housing in informal settlements or housing in backyards. A new housing …
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The Learning curve: An exploration of the digital literacy dimension to ISPs
… increased availability are still restrictive to low-income earners, and a growing set of non-traditional service providers seeking to anchor themselves as sustainable service providers within low-income markets. As a result, these service providers are testing new business models and …
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Protecting The Poor: using mobile technology to drive microinsurance adoption in Nigeria
… The first is difficulty generating regular income, while the second is vulnerability to economic, political, and physical downturns. Harder still, the two problems reinforce each other: poverty is a vulnerability source, and repeated exposure to downturns reinforces poverty. Microinsurance …
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Optimization of Soil-Lime and Cement Mixes for Compressed Earth Stabilized Blocks for Low-Cost Housing in East Africa (Kenya)
… This has created a large population influx of low-income earners which has resulted in lack of low-cost affordable housing. Low-cost housing has always been in short supply and the large urban population has only exacerbated the situation. Furthermore, these economic migrants are poor and look …
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Public Private Partnership in Providing Affordable and Gap Housing in Inner-City Areas: City of Cape Town Case Study
… constraints in supplying affordable housing to low-income earners and this includes the non-availability of land, end-user un-affordability, poor planning, and limited partnerships between public and private sector role players. Apartheid and its' associated spatial planning served to locate and …
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The role of alternative dispute resolution in consumer protection in Lesotho
… claims are of small value and some consumers are low-income earners. Costs of litigating a claim in the formal court system are very high and the procedural formalities involved hinder consumers‟access to justice. As a result, alternative dispute resolution (ADR) seems to address that challenge as …
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Valuing Affordability: Utility and Accuracy Optimisation An Econometric and Data Driven Approach
… affordable housing stock which is accessible to low income earners is particularly pronounced in developing economies. Housing solutions have the highest potential for social impact in these economies. Nonetheless, uncertainty exists around stock development choices in resource constrained …
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An investigation into the availability of urban lad and its implications on national security of Namibia: A case study of Windhoek (Khomas region)
… of Windhoek has been faced with the problem of slower pace of allocating affordable land and servicing that has seen the gap between demand and supply widening drastically and the growing numbers of people from rural areas to Windhoek resulting in increased demands for serviceable land. The …
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A Spatial Assessment of the GO bg Transit Services in Bowling Green, Kentucky
… However, certain population segments, such as low income earners, are less likely to own cars due to the cost involved. There are others who may be impaired physically or have other difficulties that may prevent them from driving. Access to transportation is essential for people of all …
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Rules and rands: credit legislation and developmental credit to micro and small enterprises in South Africa
… Act 34 of 2005 to improve access to credit for low-income earners, including Micro and Small Enterprises. This type of credit is different from other types of credit because it bypasses the challenge of credit information, allowing the credit application of Micro and Small Enterprises to be …
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Unveiling the Dynamics of Inflation in Housing Rent
… products typically consumed by individuals, and low-income earners have been highly burdened by the situation. However, this has not always been the tendency, and this paper will explain how the recent rise in rents can be mainly attributed to a higher demand for housing, as opposed to higher …
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