The effect of microloans on the subjective well-being of the poor in Gauteng
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The effect of microloans on the subjective well-being of the poor in Gauteng
UNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengt give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.o Noncommercial — You may not use the material for commercial purposes.o ShareAlike — If you rem The effect of microloans on the subjective well-being of the poor in Gautengix, transform, or build upon the material, you must distribute your contributions under the same license as the original.How to cite this thesisSurnamThe effect of microloans on the subjective well-being of the poor in Gauteng
e, Initial(s). (2012) Title of the thesis or dissertation. PhD. (Chemistry)/ M.Sc. (Physics)/ M.A. (Philosophy)/M.Com. (Finance) etc. [Unpublished]: UUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in GautengITYJOHANMbSSUHUThe effect of microloans on the subjective well-being of the poor in GautengbyMMAPHEFO CHRISTINAH LEGODIA dissertation submitted in fulfilment for the degree ofMaster's in CommerceinDevelopment Economicsat the College of Business and Economics UNIVERSITY OF JOHANNESBURGSupervisor: DrT The effect of microloans on the subjective well-being of the poor in Gauteng Greyling2017AcknowledgementThe Almighty, Jesus Christ made it possible for me to complete my research study despite all the challenges faced. This miThe effect of microloans on the subjective well-being of the poor in Gauteng
nor dissertation marks the end of a long and eventful journey, during which I have learned so much and met so many wonderful people who in different wUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gauteng, whose expertise, understanding, calmness and patience added considerably to my graduate experience. I am very thankful to you for always having time for me, your quick and insightful comments on my research, and allowing me to be a "distance" student for a while. Thank you to my mentee Lesley Moga The effect of microloans on the subjective well-being of the poor in Gautengno for convincing me to start my postgraduate journey when I had given up hope to further my studies. Thank you to my academic friends for your wordsThe effect of microloans on the subjective well-being of the poor in Gauteng
of encouragement and guidance.Finally I would like to thank my parents, Israel Marumo Legodi (Papa) and Mokgadi Mary Legodi (Mama), to whom I dedicateUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengother Itumeleng Legodi and sister Caroline Legodi-Mahahle. I cannot thank enough my fiance Tshililo Muedi and my daughter Omolemo for their patience, support and motivation for me to complete this research.DeclarationI certify that the minor dissertation submitted by me for the degree Master’s of Co The effect of microloans on the subjective well-being of the poor in Gautengmmerce (Development Economics) at the University of Johannesburg is my independent work and has not been submitted by me for a degree at another univeThe effect of microloans on the subjective well-being of the poor in Gauteng
rsity.MMAPHEFO CHRISTINAH LEGODIiiAbstractWorldwide, poverty remains to be an obstacle to achieve sustainable development and improve the well-being oUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengeloping countries as one of the approaches in their poverty alleviation programs. Microloans are based on the principle that poor people can initiate their own development out of poverty, given they have the starting capital to do so. The capital can be invested in income-generating activities which The effect of microloans on the subjective well-being of the poor in Gauteng, it is assumed, will lead to a higher income and additional positive effects, like an increase in well-being. However, others argue that the focus onThe effect of microloans on the subjective well-being of the poor in Gauteng
income is only one aspect of poverty, other forms of deprivation, such as education, health and a lack of subjective wellbeing should also be consideUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengf the poor and, secondly, to investigate if the relationship with microloans is the same for both male and female borrowers. To analyse these research questions we make use of a data set collected by the Gauteng City-Region Observatory (GCRO) in 2015 on the quality of life of the people in the provi The effect of microloans on the subjective well-being of the poor in Gautengnce. The results from our analysis show that microloans are negatively related to the subjective well-being of the poor, meaning that the subjective wThe effect of microloans on the subjective well-being of the poor in Gauteng
ell-being of the poor in Gauteng does not improve though access to microloans. This finding contravenes the notion of microloans being a policy measurUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengere the microloan variable is multiplied by the gender variable. We found positive and significant results which indicate that males and females who have a microloan might have different experiences regarding their subjective well-being. Pursuing this matter further, we analysed and compared the res The effect of microloans on the subjective well-being of the poor in Gautengults of a male and a female subsample. We found that although the microloan variable is only statistically significant in the female sample, the direcThe effect of microloans on the subjective well-being of the poor in Gauteng
tion of the relationship in the two subsamples differs. In the male subsample the relationship between microloan and subjective well-being is positiveUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengive well-being. Furthermore, the results show that the standard factors found to explain the subjective well-being of people are also relevant for the poor in Gauteng, the economic centre of South Africa. This shows that there iiishould not be a 'one size fits all' policy intervention to improve the The effect of microloans on the subjective well-being of the poor in Gauteng subjective well-being of the poor. Instead, to find ways to increase the well-being of the poor, policy makers should adapt policy to fit the specifiThe effect of microloans on the subjective well-being of the poor in Gauteng
c circumstances in South Africa and not blindly pursue policy measures used in other regions and countries. The South African government should first UNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You must The effect of microloans on the subjective well-being of the poor in Gautengon. With this knowledge policy makers will be better equipped to take efficient policy decisions to not only improve the economic well-being, but also the subjective well-being of the poor. The effect of microloans on the subjective well-being of the poor in GautengUNIVERSITY -----OF—— JOHANNESBURGCOPYRIGHT AND CITATION CONSIDERATIONS FOR THIS THESIS/ DISSERTATION^creative ^commonsBY NC SAo Attribution — You mustGọi ngay
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