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What is the future of financial inclusion?

- Mago, Stephen

  • Authors: Mago, Stephen
  • Subjects: Financial services industry -- Africa , Banks and banking -- Africa , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/56481 , vital:56688
  • Description: The purpose of this lecture is to explicate the future of financial inclusion with a focus on Africa. Understanding financial inclusion, its advantages, and its trajectory into the future sets a scene for future research and debates. Materials and methods: In preparing this lecture, I used systematic literature and bibliometric analysis complemented with field research done in two selected areas (Masvingo district in Zimbabwe and the Kirkwood area in the Eastern Cape, South Africa). Results/Findings: Results show that financial inclusion benefits poverty alleviation, job/employment creation, small business growth (through innovation and creativity), sustainability, closing inequality gaps, inclusive economic growth and development (local, national, regional, and global), closing gender gaps, and the promotion of digital finance. In other words, it creates opportunities for individuals, businesses, and economies in various ways. It also contributes to the attainment of sustainable development goals (SDGs). Globally, stakeholders such as governments, supranational organisations (the UN, the WB, the IMF, the G20) and development banks are working together to achieve financial inclusion. Alleviation or elimination of financial exclusion (FE) is the ultimate. Social implications: Financial inclusion promotes socio-economic transformation and livelihood enhancement. The unbanked, or the financially excluded, and the underbanked benefit from financial inclusion, thus allowing them access to financial services. Conclusions and recommendations: Extant literature and empirical research demonstrate the immense contribution of financial inclusion. It helps to defy the triple challenges of poverty, unemployment, and inequality. This lecture therefore recommends deliberate policy intentions by governments in developing countries to support financial inclusion to benefit the marginalised and promote the attainment of Sustainable Development Goals(SDGs). There is a need to digitise the financial systems for inclusivity. I argue that the future of financial inclusion is achieved not only by technology, but also by acceptance, behaviour, and collaboration/synergy, built around strong ecosystems. An underlying thesis is that financial inclusion benefits economies in many ways.
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Is e-business the saving grace for retailers during Covid-19?

- Kruger, Janine

  • Authors: Kruger, Janine
  • Subjects: Electronic commerce , COVID-19 Pandemic, 2020- -- Economic aspects , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/56470 , vital:56687
  • Description: The question can be asked whether e-business is the saving grace for retailers during Covid-19. Without pondering on the question, we will immediately say yes due to the lived experiences we all have as final consumers of retailers. However, before answering the question, it is important to consider what transpired within the retail business environment. The world has turned upside down towards the end of 2019 due to the outbreak of Covid-19 while South Africa felt the effect of Covid-19 as from March 2020. As cited by Verhoef, Noordhoff and Sloot (2022), the retail industry has been heavily affected by the pandemic. Not only has the retail industry been affected, the life of consumers also changed as consumers did not have direct access to their favourite traditional brick-and mortar-retailers. As the customers of these retailers, we have the lived experiences of not being able to patronise these retailers for an extended period of time. Due to the hard lockdown restrictions imposed within the business environment on brick-and-mortar retailers, the retailers had to find different ways to reach and provide need satisfying products to their customers. According to the World Trade Organization (WTO) (2020) and Rindita et al (2021, p.108), the pandemic provided retailers with a good opportunity to develop and adopt an e-commerce strategy that can act as an economic driver. In addition, Gramling, Orschell and Chernoff (2021) state that e-commerce is essential for future existence of businesses. This is evident when considering that the South African e-commerce sector grew by 66% in 2020 when 2 compared to 2019 while in-store shopping has declined by 30% (Kibuacha 2021). These results are expected if we take into account the trading restrictions imposed on brick-and-mortar retailers during the Covid-19 lockdown. In addition, a study by Deloitte in 2021 showed that more than 70% of South African consumers are shopping online at least once a month while citing convenience and saving time for doing so (Kibuacha 2021). However, whether businesses are implementing a new strategy or expand an existing strategy, the brick-and-mortar retailers were required to adapt their strategies with the focus on business survival.
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Grahamstown : land utilisation in the town, 1953

- Watts, Hilstan Lett, 1929-

Resource nationalism: a threat or a panacea to economic development

- Ocran, Matthew

  • Authors: Ocran, Matthew
  • Subjects: Natural resources , Nationalism , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/20901 , vital:29412
  • Description: I seek to achieve three objectives in my lecture: first I attempt an outline of the evolution of economic thought regarding progress from the medieval period to contemporary times. Following the discussion of the mainstream theories of economic growth I then review the associated empirical literature. I also consider a brief case study on two successful countries before addressing the question whether resource nationalism matter in determining economic development. Lastly, I provide some policy recommendations for economic development in South Africa and other resource rich countries on the continent.
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Divisional map of Vryburg

Grahamstown : rented houses in the sample

- Watts, Hilstan Lett, 1929-

Grahamstown : a generalisation of the land use pattern

- Watts, Hilstan Lett, 1929-

Towards mineral beneficiation: from basic chemistry to applications

- Tshentu, Zenixole

  • Authors: Tshentu, Zenixole
  • Subjects: Metallurgy , Ore-dressing , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/55783 , vital:53876
  • Description: The role of mineral beneficiation in the survival, growth, development and sustainability of a developing economy cannot be overstated. Our development as a human species has always been involvedly linked with the use of mineral resources from the stone, bronze and iron ages through the early modern eras to the present. In the current modern era, characterized by highly technological equipment, fourth industrial revolution (4IR) and new energy technologies, the role of mineral beneficiation has been elevated. Precious metals find use in the fine chemicals and petrochemicals industry, fuel cells, electrical and electronic products, medical and dentistry applications, jewellery, autocatalysts, and glass and ceramics. The markets for precious metals keep growing and the supply does not meet demand. The development of methods for recovery of metal value from feeds of mineral ore solutions, solutions of spent secondary resources and from mining wastewaters remains of great importance. Further beneficiation strategies for utilization of mineral products in other “value-added” applications are also important for the growth of the mineral markets. The usage of platinum, palladium and rhodium in the autocatalyst industry has grown significantly and this has further elevated the importance of platinum group metals (PGMs), but other areas of application of the strategic metals need to be harnessed. The four stages of beneficiation, namely, primary, secondary, tertiary and final stage, provide an opportunity to beneficiate to greater value for domestic or export use. Our own research work is engaged in several of these stages, from hydrometallurgical recovery of base metals and platinum group metals from feeds of primary mining and solutions of waste secondary resources such as spent catalytic converters and e-waste to the use of metals in “value added” products such as metalbased catalysts for the fuel industry and in metallodrugs. Examples of “value added” products include rhodium as a promoter in molybdenum sulfide as a catalyst for hydrodesulfurization of fuel oil, vanadium as a catalyst in oxidative desulfurization of fuel oil, vanadium and palladium as therapeutic agents for diabetes and cancer, respectively. Current and future work involves (i) the development of metal-selective scavengers to recover lost metal value in mining wastewaters, and (ii) the design of metal-based catalytic materials for refinement of bio-based oils to biofuel as well as for production of green LPG through hydroprocessing. Our work centres around both basic and applied chemistry towards mineral beneficiation and with a bias towards greener production.
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Confinement and labouring women: a persistent struggle against nature

- James, Sindiwe

  • Authors: James, Sindiwe
  • Subjects: Childbirth , Labor (Obstetrics) , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/40028 , vital:35730
  • Description: Nature in its essence is frequently viewed as a thing of beauty and the ultimate truth of perfection. Unfortunately, this view of nature is often undermined when it comes to the concept of women in confinement and labour. Women, naturally by virtue of being females, have the capacity to become pregnant and thus to bear children. However, in many instances this capacity becomes limited, or misunderstood. In such cases, humans start viewing or considering confinement and labour in terms of ‘being wrong and incorrect’. They only see issues around age and marital status while losing sight of the fact that nature has ordained that all women have a uterus, which has a potential to conceive, but under ‘suitable’ conditions. Yes, the uterus does not know about age and health restrictions, but will expel its contents when the time comes, and suitability around that expulsion unfortunately becomes the concern of humans (midwives or family members). Very often young girls who are in confinement are received and treated differently by these two categories of humans because they are deemed not to be at the correct age for falling pregnant and to be in labour, or they are regarded as having been ‘naughty’.
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Plan of Grahamstown

- Watts, Hilstan Lett, 1929-

Corruption, state capture and the betrayal of South Africa’s vulnerable

- Erasmus, Deon

  • Authors: Erasmus, Deon
  • Subjects: Political corruption -- South Africa , Business enterprises -- Corrupt practices -- South Africa , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/53199 , vital:45037
  • Description: The term state capture was first defined in a World Bank report on corruption in eastern Europe and central Asia in 2003. Hellman, Jones and Kaufmann (2000) point out in the report that some firms in transition economies were able to shape the rules of the game to their own advantage at a considerable social cost by creating a “capture economy.”
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Research & innovation report 2019/2020

  • Subjects: Universities and colleges - Research , f-sa
  • Language: English
  • Type: text
  • Identifier: http://hdl.handle.net/10948/53066 , vital:44937
  • Description: Annual report highlighting research and innovation undertaken at the Nelson Mandela University.
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Grahamstown : the ecological structure of the city

- Watts, Hilstan Lett, 1929-

Contour plan of the city of Grahamstown, 1934

- AWM, Hodge, W M

Grahamstown : a socio-ecological study of a small South African town : map atlas

- Watts, Hilstan Lett, 1929-

  • Authors: Watts, Hilstan Lett, 1929-
  • Date: 1957
  • Subjects: f-sa , Grahamstown (South Africa) Maps , South Africa History 1909-1961 , South Africa History 1836-1909
  • Language: English
  • Type: maps , digital maps , cartographic
  • Identifier: http://hdl.handle.net/10962/121351 , vital:35002 , Cory Library for Humanities Research, Rhodes University Library, Grahamstown, South Africa , T654_cover
  • Description: Cover of the map album accompanying the thesis by Hilstan Lett Watts, "Grahamstown : a socio-ecological study of a small South African town", Rhodes University thesis, 1957.
  • Full Text: false
  • Date Issued: 1957

Physical activity and health: building health-promoting schools in Gqeberha and beyond

- Walter, Cheryl

  • Authors: Walter, Cheryl
  • Subjects: Exercise for children -- Physiological aspects , Exercise for children -- Psychological aspects , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/56070 , vital:55194
  • Description: For this address, I thought it would be appropriate to share information on the research into the physical activity, health and wellbeing of primary school children living in the Northern Areas and townships of Gqeberha – which formed part of the 10-year collaboration between the Department of Human Movement Science at Nelson Mandela University, the Department of Sport, Exercise and Health at the University of Basel and the Swiss Tropical and Public Health Institute, in Basel, Switzerland. Three large studies formed the core of the 10-year collaboration: the Disease, Activity and Schoolchildren’s Health (DASH) study, the KaziBantu Project and the KaziAfya study.
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Grahamstown : development of the street pattern of the town 1814-1951

- Watts, Hilstan Lett, 1929-

Grahamstown : a preliminary delineation of ecological zones in the city

- Watts, Hilstan Lett, 1929-

List of maps in the atlas

- Watts, Hilstan Lett, 1929-

  • Authors: Watts, Hilstan Lett, 1929-
  • Date: 1957
  • Subjects: f-sa , Grahamstown (South Africa) Maps , South Africa History 1909-1961 , South Africa History 1836-1909
  • Language: English
  • Type: maps , digital maps , cartographic
  • Identifier: http://hdl.handle.net/10962/121361 , vital:35003 , Cory Library for Humanities Research, Rhodes University Library, Grahamstown, South Africa , T654_list
  • Description: List of maps in the map album accompanying the thesis by Hilstan Lett Watts, "Grahamstown : a socio-ecological study of a small South African town", Rhodes University thesis, 1957.
  • Full Text: false
  • Date Issued: 1957

The four P's of Pharmacy: potions, products, profits and people

- Truter, Ilse

  • Authors: Truter, Ilse
  • Subjects: Pharmacy , Pharmacy -- Study and teaching , f-sa
  • Language: English
  • Type: text , Lectures
  • Identifier: http://hdl.handle.net/10948/21626 , vital:29721
  • Description: A short overview of my academic journey by focusing on the three pillars of academia, followed by what I consider to be the four "P's" of Pharmacy, a question about a further "P", and in conclusion what I consider to be the way forward for Pharmacy.
  • Full Text: false
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