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Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project
ABSTRACT The study investigated the limit of credit by financial institutions which is an obstacle on the growth of informal survivalist and non-survivalist small enterprises which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that cr...
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| Format: | Thesis |
| Language: | Eng |
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Graduate School of Business (GSB)
2023
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| _version_ | 1867614212334813184 |
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| access_status_str | Open Access |
| author | Mokofo, Ntoetse |
| author2 | Albertus, Rene |
| author_browse | Albertus, Rene Mokofo, Ntoetse |
| author_facet | Albertus, Rene Mokofo, Ntoetse |
| author_sort | Mokofo, Ntoetse |
| collection | Thesis |
| description | ABSTRACT The study investigated the limit of credit by financial institutions which is an obstacle on the growth of informal survivalist and non-survivalist small enterprises which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that credit rationing has on the growth of informal survivalist and non-survivalist Small Medium Enterprises (SMEs). The research employed a simple random probability technique to sample fifty (50) informal survivalist and non-survivalist SMEs owners or managers operating in Western Cape, Cape Town City centre area. The regression model to examine relationship between credit rationing and SME growth was estimated using the ordinary least estimation technique. The study results indicated that those enterprises that were granted a loan credit facility experienced growth in comparison to those firms who were not granted such facility. The experience of credit rationing was therefore reported to have a significant positive impact on the growth of informal survivalist and non-survivalist SMEs. The study recommends tax incentives benefits, financial institutions to support structure mechanism for informal SMEs through enabling tailor-made projects which entitles designing small amount lending financing packages at a lower return rate and less requirements for such enterprises. Additionally, the individual entrepreneurs have to focus on peer to peer lending, crowdfunding, borrowing from family members as alternative forms of borrowing from another without the mediation of financial institution and as a social network tool mechanism for also exchanging business growth information |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/39066 |
| institution | University of Cape Town (South Africa) |
| language | Eng |
| last_indexed | 2026-06-10T12:48:27.259Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2023 |
| publishDateRange | 2023 |
| publishDateSort | 2023 |
| publisher | Graduate School of Business (GSB) |
| publisherStr | Graduate School of Business (GSB) |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/39066 Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project Mokofo, Ntoetse Albertus, Rene development finance ABSTRACT The study investigated the limit of credit by financial institutions which is an obstacle on the growth of informal survivalist and non-survivalist small enterprises which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that credit rationing has on the growth of informal survivalist and non-survivalist Small Medium Enterprises (SMEs). The research employed a simple random probability technique to sample fifty (50) informal survivalist and non-survivalist SMEs owners or managers operating in Western Cape, Cape Town City centre area. The regression model to examine relationship between credit rationing and SME growth was estimated using the ordinary least estimation technique. The study results indicated that those enterprises that were granted a loan credit facility experienced growth in comparison to those firms who were not granted such facility. The experience of credit rationing was therefore reported to have a significant positive impact on the growth of informal survivalist and non-survivalist SMEs. The study recommends tax incentives benefits, financial institutions to support structure mechanism for informal SMEs through enabling tailor-made projects which entitles designing small amount lending financing packages at a lower return rate and less requirements for such enterprises. Additionally, the individual entrepreneurs have to focus on peer to peer lending, crowdfunding, borrowing from family members as alternative forms of borrowing from another without the mediation of financial institution and as a social network tool mechanism for also exchanging business growth information 2023-11-02T07:29:02Z 2023-11-02T07:29:02Z 2022 2023-11-02T07:26:13Z Thesis / Dissertation Masters MCOM http://hdl.handle.net/11427/39066 Eng application/pdf Graduate School of Business (GSB) Faculty of Commerce |
| spellingShingle | development finance Mokofo, Ntoetse Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| thesis_degree_str | Master's |
| title | Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| title_full | Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| title_fullStr | Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| title_full_unstemmed | Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| title_short | Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project |
| title_sort | investigating the root causes of the challenges with the lesotho national referral hospital public private partnership project |
| topic | development finance |
| url | http://hdl.handle.net/11427/39066 |
| work_keys_str_mv | AT mokofontoetse investigatingtherootcausesofthechallengeswiththelesothonationalreferralhospitalpublicprivatepartnershipproject |