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| Registros recuperados: 13 | |
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| Mohane, Happy; Coetzee, Gerhard K.; Grant, William. |
| Interest rates are a topical subject in the micro lending industry in South Africa. The micro lending industry has been accused of charging usurious interest and exploiting the consumers. This has led to the Department of Trade and Industry passing a Usury Act with an aim of protecting the consumers. The Act imposes interest rate ceilings on loan finance provided by money lending institutions. These ceilings are proposed to be linked to the prime rate. Given this, it is not possible for micro lenders to charge full-cost recovery interest rates. This paper tries to highlight the effects of interest rate ceilings on the micro finance market. It argues that the biggest cost component of microlenders is administration costs and not the cost of capital, thus... |
| Tipo: Journal Article |
Palavras-chave: Financial Economics; Marketing. |
| Ano: 2000 |
URL: http://purl.umn.edu/54233 |
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| Coetzee, Gerhard K.; Meyser, F.; Adam, H.. |
| The agricultural sector in South Africa is subjected to major changes due to a simultaneous influence of external and internal forces after the political changes in South Africa and its opening to the rest of the world. The external forces are mostly linked to increasing globalisation including a changing internal trade regime. Internal forces have to do with the liberalisation of agriculture and for example the changing role of government with respect to the provision of financial services. This paper indicates the effect of these influences on the financial position of the farming sector and provides a point of departure for the monitoring of future trends. It further indicates the strategies followed by farmers to counter the negative trends... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Agricultural Finance. |
| Ano: 2002 |
URL: http://purl.umn.edu/18056 |
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| Makhura, Moraka T.; Goode, M.F.; Coetzee, Gerhard K.. |
| The paper aims to determine patterns used by emerging farmers to participate in the market economy. The eight components of participation (six crop sales, livestock sales and off-farm earnings) were subjected to factor analysis. The results indicate that there are five sources of market participation; viz. sales of staples, cash crops, snacks, livestock and off-farm earnings. That is, participation in the market through one of the sources may or may not be preconditioned by another source. Implications for food security are that commercialisation of both maize and beans should be promoted to ensure starch and protein intake respectively, while cotton and vegetables will provide income and employment, livestock as a food risk management base, and off-farm... |
| Tipo: Journal Article |
Palavras-chave: Food Security and Poverty. |
| Ano: 1997 |
URL: http://purl.umn.edu/54446 |
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| Coetzee, Gerhard K.. |
| Rural financial intermediation faces several challenges, including, shortcomings and systematic weaknesses of rural financial markets, urban biased policies and poorly designed interventions not based on the realities of rural markets. Against this background the purpose of this chapter is to provide an overview of some concepts of financial theory, the history of conventional approaches in rural financial markets, informal finance, the role of savings mobilization and a discussion on the new approach to rural financial markets. The aim is to present the building blocks essential to the understanding of rural financial markets. The roles of information, transaction costs and measurement of success are emphasized. |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics. |
| Ano: 2002 |
URL: http://purl.umn.edu/18036 |
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| Mohane, Happy; Coetzee, Gerhard K.; Grant, William. |
| Interest rates are a topical subject in the micro lending industry in South Africa. The micro lending industry has been accused of charging usurious interest and exploitating the consumers. This has led to the Department of Trade and Industry passing a Usury Act with an aim of protecting the consumers. The Act imposes interest rate ceilings on loan finance provided by money lending institutions. These ceilings are proposed to be linked to the prime rate. Given this, it is not possible for micro lenders to charge full-cost recovery interest rates. This paper tries to highlight the effects of interest rate ceilings on the micro finance market. It argues that the biggest cost component of microlenders is administration costs and not the cost of... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics. |
| Ano: 2002 |
URL: http://purl.umn.edu/18078 |
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| Coetzee, Gerhard K.. |
| In South Africa a recent government study laid the foundations for improving access to financial services for rural people. More is however needed than simply stating the policies. It is argued that policies do not differentiate target groups adequately. This can result in inefficient implementation of policies. The concept of a broad range of institutional possibilities to improve access to financial services, none of which specifically provides a conclusive model, is considered to be realistic. The idea is to muster this range of possible forms into a co-ordinated effort to increase access to financial services for rural people in all rural areas. This paper emphasises the reality of the situation when choosing policy directions. NGOs, commercial banks... |
| Tipo: Journal Article |
Palavras-chave: Agricultural Finance; Community/Rural/Urban Development. |
| Ano: 1998 |
URL: http://purl.umn.edu/54894 |
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| Kgowedi, M.J.; Makhura, Moraka Nakedi; Coetzee, Gerhard K.. |
| There has been a growing existence of informal financial institutions in both rural and urban areas of South Africa. The objective of this paper is to identify factors influencing the choice of informal financial service providers in the peri-urban areas of South Africa. Data from 193 respondents was subjected to Analysis of Variance to identify the significant factors distinguishing the clients of moneylenders from the non-moneylenders. The results show that personal characteristics such age, education, occupation and marital status explain the choice of moneylenders. Gender is not a distinguishing factor, implying that both male and female have the same choice pattern. Clients choose certain services due to low interest, quick service and the fact... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics. |
| Ano: 2002 |
URL: http://purl.umn.edu/18065 |
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| Coetzee, Gerhard K.; Cross, Catherine. |
| Community banking initiatives are defined in this paper as membership based decentralized and self-help financial institutions. Under this broad definition we discuss the informal variants of community banks, the rotating savings and credit association (or in South Africa better known as the stokvel), the more formalized village banks spreading throughout the country and the very formalized (defined in terms of legislation and registration requirements) institutions registered under the Mutual Banks Act of 1993. We show that the informal financial groups are changing in profile and mode of operation and we look at factors contributing to success and failure (CC - please expand here). The village banks started slowly since 1994 and then the concept... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics; Food Security and Poverty. |
| Ano: 2002 |
URL: http://purl.umn.edu/18039 |
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| Registros recuperados: 13 | |
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