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Zeitschriftenartikel zum Thema "Financial institutions – Africa"
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Dinku, Tirngo. „Financial inclusion in Ethiopia: Using core set of financial inclusion indicators“. International Journal of Social Sciences and Humanities Invention 8, Nr. 03 (31.03.2021): 6396–404. http://dx.doi.org/10.18535/ijsshi/v8i03.01.
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Financial inclusion is the key to inclusive development throughout the world. It is the access to get financial services such as saving, loan, insurance and others easily at an affordable cost, this study aims at evaluating the level of financial inclusion in Ethiopia in comparison with Sub Saharan Africa and low income countries. World Bank group 2017data on financial inclusion is used.The result shows access to have a bank account and account at other financial institution has been realized improvement to the year, where as it is far below the Sub Saharan African average. The major reason for not having a bank account or account at financial institutions in Ethiopia areinsufficient fund and financial institutions are too far away, while religious reasons and lack of trust on financial institutions are the least. No one pays utility bill digitally, the use of digital payment is very poor in Ethiopia; only three out of hundred individuals in Ethiopia used an account to receive government payments.
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Chitimira, Howard, und Sharon Munedzi. „Selected challenges associated with the reliance on customer due diligence measures to curb money laundering in South African banks and related financial institutions“. Journal of Comparative Law in Africa 8, Nr. 1 (2021): 42–66. http://dx.doi.org/10.47348/jcla/v8/i1a2.
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Customer due diligence is a means of ensuring that financial institutions know their customers well through know-your-customer (KYC) tools and related measures. Notably, customer due diligence measures include the identification and verification of customer identity, keeping records of transactions concluded between a customer and the financial institution, ongoing monitoring of customer account activities, reporting unusual and suspicious transactions, and risk assessment programmes. Accordingly, financial institutions should ensure that their customers are risk assessed before concluding any transactions with them. The regulation of money laundering is crucial to the economic growth of many countries, including South Africa. However, there are still numerous challenges affecting the banks and other role players’ reliance on customer due diligence measures to combat money laundering in South Africa. Therefore, a qualitative research methodology is employed in this article to unpack such challenges. The challenges include the failure to meet the identification and verification requirements by some South African citizens, onerous documentation requirements giving rise to other persons being denied access to the formal financial sector, and the lack of express provisions to regulate the informal financial sector in South Africa. Given this background, the article discusses the challenges associated with the regulation and implementation of customer due diligence measures to enhance the combating of money laundering in South African banks and related financial institutions. It is hoped that the recommendations provided in this article will be utilised by the relevant authorities to enhance customer due diligence and effectively combat money laundering activities in South African banks and related financial institutions.
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Atiase, Victor Yawo, Samia Mahmood, Yong Wang und David Botchie. „Developing entrepreneurship in Africa: investigating critical resource challenges“. Journal of Small Business and Enterprise Development 25, Nr. 4 (13.08.2018): 644–66. http://dx.doi.org/10.1108/jsbed-03-2017-0084.
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Purpose By drawing upon institutional theory, the purpose of this paper is to investigate the role of four critical resources (credit, electricity, contract enforcement and political governance) in explaining the quality of entrepreneurship and the depth of the supporting entrepreneurship ecosystem in Africa. Design/methodology/approach A quantitative approach based on ordinary least squares regression analysis was used. Three data sources were employed. First, the Global Entrepreneurship Index (GEI) of 35 African countries was used to measure the quality of entrepreneurship and the depth of the entrepreneurial ecosystem in Africa which represents the dependent variable. Second, the World Bank’s data on access to credit, electricity and contract enforcement in Africa were also employed as explanatory variables. Third, the Ibrahim Index of African Governance was used as an explanatory variable. Finally, country-specific data on four control variables (GDP, foreign direct investment, population and education) were gathered and analysed. Findings To support entrepreneurship development, Africa needs broad financial inclusion and state institutions that are more effective at enforcing contracts. Access to credit was non-significant and therefore did not contribute to the dependent variable (entrepreneurship quality and depth of entrepreneurial support in Africa). Access to electricity and political governance were statistically significant and correlated positively with the dependent variables. Finally, contract enforcement was partially significant and contributed to the dependent variable. Research limitations/implications A lack of GEI data for all 54 African countries limited this study to only 35 African countries: 31 in sub-Saharan Africa and 4 in North Africa. Therefore, the generalisability of this study’s findings to the whole of Africa might be limited. Second, this study depended on indexes for this study. Therefore, any inconsistencies in the index aggregation if any could not be authenticated. This study has practical implications for the development of entrepreneurship in Africa. Public and private institutions for credit delivery, contract enforcement and the provision of utility services such as electricity are crucial for entrepreneurship development. Originality/value The institutional void is a challenge for Africa. This study highlights the weak, corrupt nature of African institutions that supposedly support MSME growth. Effective entrepreneurship development in Africa depends on the presence of a supportive institutional infrastructure. This study engages institutional theory to explain the role of institutional factors such as state institutions, financial institutions, utility providers and markets in entrepreneurship development in Africa.
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Irbad, Husein Mohamed, und M. G. Jayaprakash. „Performance Of Financial Institutions In Five Sub-Saharan African Countries“. Archives of Business Research 7, Nr. 12 (03.01.2020): 359–403. http://dx.doi.org/10.14738/abr.712.7582.
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The purpose of this study is to investigate the performance of financial institutions in five Sub-Saharan African countries: Kenya, Nigeria, Namibia, Rwanda and Senegal. The investigation is based on four proxies towards performance namely: financial access, financial depth, financial efficiency and financial stability. The overall proxies are composed of thirty variables. There are four objectives in the study; the first objective has examined access and information of financial services in financial institutions of Sub-Saharan African countries. The second objective investigated and measured depth of financial institutions. The third objective evaluated efficiency of financial institutions in Sub-Sahara Africa. The last objective was intended to measure the stability of financial institutions in Africa. We created a development of financial performance model describing the proxies and variables in this study. The main analysis of the study is Mean calculation and regression analysis by using weighted Least Squares multiple regression analysis (WLS). This study investigated secondary data. The data was analyzed by using Excel software and Statistical Package for Social Sciences (SPSS) in descriptive statistics. The result of all target countries except Nigeria is significant in financial access. Result also showed significance in financial depth of all five target countries. The financial institutions of all five target countries are inefficient. Also the result of financial stability in financial institutions of target countries showed insignificance except Rwanda.
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Sibanda, Mabutho, und Merle Holden. „Institutional Investors And The Finance-Growth Nexus: Evidence From South Africa“. Journal of Applied Business Research (JABR) 30, Nr. 1 (30.12.2013): 149. http://dx.doi.org/10.19030/jabr.v30i1.8290.
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Since the 1990s assets of institutional investors have remained elevated in comparison to those of deposit-taking financial institutions in South Africa. This paradigm shift in the financial markets has provoked the ongoing theoretical and empirical debate, which, on the one hand, pits institutional investors as causing financial disintermediation against, on the other hand, deposit-taking financial institutions in promoting economic development. These and other conflicting views on financial intermediation have promoted the finance-growth nexus hypothesis, which draws lessons from the Patrick (1966) demand-following and supply-leading propositions (Patrick, 1966). The study uses the Johansen (1991) co-integration tests, the vector error correction and the Granger causality approaches to establish the role played by institutional investors in the finance-growth nexus in South Africa based on quarterly data spanning 1994 to 2009. Findings suggest that a demand-following phenomenon exists in South Africa in which the growth in the institutional investors industry is dependent upon the level of economic development and banking sector development.
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Fotso, Bakam, und E. I. Edoun. „Critical Assessment of Banking Institutions in South Africa“. Journal of Economics and Behavioral Studies 9, Nr. 2(J) (18.05.2017): 6–21. http://dx.doi.org/10.22610/jebs.v9i2(j).1646.
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Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four†South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
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Fotso, Bakam, und E. I. Edoun. „Critical Assessment of Banking Institutions in South Africa“. Journal of Economics and Behavioral Studies 9, Nr. 2 (18.05.2017): 6. http://dx.doi.org/10.22610/jebs.v9i2.1646.
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Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRA)and descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.
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Pederson, G. „Rural finance institutions, markets and policies in Africa“. South African Journal of Economic and Management Sciences 7, Nr. 4 (30.11.2004): 643–51. http://dx.doi.org/10.4102/sajems.v7i4.1295.
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We identify three types of obstacles (missing institutions) that limit the process of financial deepening in rural financial markets. Each of these obstacles contributes to a continuing and common dilemma in developing countries - the lack of long-term finance. In Africa, as in most developing regions, there is need to develop a more consistent strategy for improving access to term finance in agriculture and rural areas. Although some examples of term financing can be found in African agriculture, the general lack of term financing in rural areas can be linked to the lack of general policy measures to enhance the environment for long-term financing, weak effective demand for rural and agricultural investment financing, and inadequate capacity of lenders to provide long-term finance to those clientele.
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Dlamini, Ncamsile Nombulelo, und Maritha Snyman. „Institutional repositories in Africa: obstacles and challenges“. Library Review 66, Nr. 6/7 (05.09.2017): 535–48. http://dx.doi.org/10.1108/lr-03-2017-0021.
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Purpose Access to appropriate scholarly information can play a positive role in the development of African countries. Institutional repositories (IRs) have the potential to enhance access and sharing of research-based information generated in Africa. Developing IRs is a consequence of the internet’s fundamental influence on the availability and distribution of scholarly information. IRs were instituted to optimise open access of scholarly information that can be freely distributed on the internet. The perception is that the IRs are not embraced in Africa as a valuable tool as the case is in other regions of the world. Research carried over to explore the reasons for the perceived little development and exploitation of IRs in Africa is limited. The purpose of this paper is to report on a survey that attempted to identify the obstacles and challenges regarding IRs in African academic institutions. Design/methodology/approach A webometric approach and online semi-structured questionnaires filled in by IR managers or people responsible for IR management were used to collect data for this study. Responses were received from 26 respondents. Findings The major obstacles were identified as inadequate funding or financial support, lack of support from institutional management and lack of awareness of IRs at institutional management level. Research limitations/implications The study selected only IR managers or people responsible for IR management and administration in different African academic institutions with existing IRs as respondents. Other people in these institutions might have valuable knowledge about issues regarding the IRs in their institutions from whom no data were collected. Originality/value Based on the findings, the paper recommends strategies on how African academic institutions could increase the number of IRs and improve the utilisation of IRs in the continent.
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Agoba, Abel Mawuko, Joshua Yindenaba Abor, Kofi Achampong Osei und Jarjisu Sa-Aadu. „The Independence of Central Banks, Political Institutional Quality and Financial Sector Development in Africa“. Journal of Emerging Market Finance 19, Nr. 2 (14.01.2020): 154–88. http://dx.doi.org/10.1177/0972652719877474.
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Central Bank Independence (CBI) as a mechanism for achieving lower inflation and effective regulation and supervision of the financial sector should promote financial sector development. Though there is not much difference in CBI legal provisions, it seems to be more effective in developed countries than in African countries. There are suggestions that this could be due to differences in political institutional quality. Using panel data from 1970 to 2012, we find that CBI does not promote financial development in Africa. The impact of CBI is dependent on the level of development of a country. CBI promotes financial development more in countries with strong political institutions. JEL codes: E02; E44; E58
Dissertationen zum Thema "Financial institutions – Africa"
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Emenalo, Chukwunonye Obi-Ogulo. „Institutions and financial system development in Africa“. Thesis, University of Hertfordshire, 2014. http://hdl.handle.net/2299/14436.
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Recent research suggests that financial system development is important for economic development and for reducing financing constraints of firms (Levine, 2005). Consequently, researchers started investigating the factors that determine financial system development. A group of factors that have been identified are institutional factors. Many researchers have investigated the theoretical and empirical links among historical institutional factors, current institutional factors, and financial system development (Beck and Levine, 2005). There are, however, few studies that have investigated extensively the theoretical and empirical links among institutional factors and financial system development within the African context. Africa provides an interesting context to empirically validate and refine many of the theories that have been postulated to explain the relationships among historical and current institutional factors and financial system development. This is because Africa is in the process of developing its institutions and reforming existing ones and offers an opportunity to examine the impact of institutional factors on financial system development in nascent contexts. Therefore, this dissertation investigated the following research question: To what extent are institutional factors determinants of financial system development in Africa? To answer this research question, this study empirically evaluated the effects on financial system development of historical institutional factors that have been identified by four theories: legal origins theory, disease endowment theory, religion-based theory, and ethnic fractionalisation theory. Moreover, current institutional factors identified by the law and finance theory as possible determinants of financial system development were empirically examined. Furthermore, the links among historical and current institutional factors were empirically studied. The results show that the disease endowment variables are the only historical institutional factors that explain cross-country variation in financial system development in Africa. Additionally, this study finds that the institutional enforcement quality and efficiency of the judicial system are the only current institutional factors that explain cross-country variation in financial system development in Africa. Current institutional factors such as the efficiency of the legal property system and the quality of the credit information infrastructure do not appear to have effects on financial system development. Moreover, the institutional enforcement quality seems to be one of the possible channels through which disease endowment affects financial system development in Africa. This study also reveals that there are few statistically significant links among historical and current institutional factors within the African context. To my knowledge, this is the first study to show some of these empirical links among historical institutional factors, current institutional factors, and financial system development for the African context. The main conclusion of this dissertation is that institutional factors seem not to be determinants of financial system development in Africa to a large extent. In essence, institutional factors appear to matter for financial system development in Africa, but not as much as might have been expected judging from many calls for institutional reforms from the World Bank and others. The theoretical and policy implications of the findings of this dissertation are discussed, and future areas of research are also proposed.
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Abrahams, Rayghana. „Financial inclusion in South Africa“. Thesis, Nelson Mandela University, 2017. http://hdl.handle.net/10948/13579.
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The research for this study was guided by the question on whether the financial inclusion improvement strategies of the South African government adequately address the financial inclusion targets, as set out in the National Development Plan. This descriptive non-empirical study was conducted by means of a literature review. The secondary data used for the study were collected from a number of sources, namely: (i) the 2015 Brookings Financial and Digital Inclusion Project report; (ii) the 2014 Global Findex survey; (iii) the InterMedia surveys; (iv) Financial Access surveys; (v) various national FinScope surveys; and (iv) a number of working papers of the World Bank related to financial inclusion. The data revealed that South Africa, with its sophisticated financial sector, was early to adopt policies and initiatives to advance financial inclusion and the country has experienced a noticeable increase in financial inclusion from 61% in 2004 to 87% in 2015. South Africa is 3% away from its National Development Plan goal of 90% financial inclusion by 2030. This indicates that overall, the financial inclusion initiatives adopted by the South African government were successful.
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Smit, Nicol. „Sustainability of commercial microfinance institutions in South Africa“. Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97443.
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Thesis (MDF)--Stellenbosch University, 2015.ENGLISH ABSTRACT: The approach to offering financial services to the poor has evolved over the past decades. The microfinance schism between the two paradigms, institutionist and welfarist, has yet to be narrowed by evidence of greater success of the one over the other. The drive for commercialisation of microfinance institutions has spurred many crises across the globe and the validity of the argument that commercial microfinance is more sustainable has come under scrutiny. This research report dissects the sustainability of African Bank and Capitec, two commercial microfinance institutions. Accounting ratios are applied to the audited financial data of both microfinance institutions to measure their sustainability from 2007 up to their most recent audited results. The research has found that both microfinance institutions experienced rapid growth since 2007, primarily driven by larger average loan sizes over longer terms. The research shows that Capitec has more diverse sources of revenue and depends less on its loan portfolio to generate income than African Bank. It also shows that Capitec has a more conservative approach with regard to provisioning for loans, and is consequently better prepared for loan write-offs than African Bank. Overall, Capitec is found to be more sustainable in each period measured.
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Akande, Akinlolu Olumide. „Assessment of cloud computing readiness of financial institutions in South Africa“. Master's thesis, University of Cape Town, 2014. http://hdl.handle.net/11427/8503.
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Includes bibliographical references.Cloud Computing (CC) is becoming popular among organisations from different industries in South Africa (SA) because of its promises such as cost reduction, on demand self-service, broad access network, resource pooling, rapid elasticity, measured service, little or no set up capital and faster time to market. As a result, many organisations are already in the early stages of their CC implementation while others are planning to adopt CC. Although CC promises many benefits, it is equally important to note that there are some barriers to its adoption which needs to be considered before adoption in order to ensure implementation success. Proper understanding of these barriers and coming up with ways to mitigate them will improve the CC readiness level of organisations. Among the various industry sectors, the financial industry in SA has been one of the early adopters of CC but they have not fully implemented it because of barriers such as security and privacy (Vignos, Kim, & Metzer, 2013), governance issues, inadequate cloud service level agreements (SLAs), vendor lock in, poor vendor transparency, inability to assess risks, confidentiality, integrity and availability. Because CC is relatively new and is still in its early stages, not much work has been done to inform organisations about the barriers and enablers of CC. Available guidelines to help organisations improve their CC readiness level are also inadequate. This is risky for financial institutions that deal with sensitive customer information as the safety of that information is not guaranteed if a desired readiness level is not attained before implementation.
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Mulusa, Lucky Mabenga. „The financial sustainability of South Africa's National Development Finance Institutions“. Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/6096.
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Thesis (MDF (Development Finance))--Stellenbosch University, 2008.ENGLISH ABSTRACT: Development Finance Institutions (DFIs) in South Africa can enhance their role as prime vehicles for the Government to achieve the social objectives of meeting the millennium goals. This can be achieved by ensuring that higher ratios of resources available to the DFIs are applied to development lending and that such DFls stay financially sustainable. DFls have served as conduits for channelling credit to priority sectors, often at concession terms, and have directed their strategies towards achieving social and economic goals that are believed to be neglected by market forces. The absence of structured monitoring and evaluation mechanisms for both impact assessment and the application of resources make it impossible to ensure that these DFIs exist to achieve the mandates for which they were created. The perception of market failure, however, justifies the allocations of scarce public resources to DFIs. DFIs are expected to be catalysts in financial intermediation, extending long-term credit and contributing to economic development through the removal of bottlenecks associated with credit shortage within communities of the Historically Disadvantaged Individuals (HDI). The application of scarce resources, however, calls for a financially sustainable DFI sector so that there may be a sustained provision of credit to the targeted sectors, in order to achieve optimum use and allocation of state resources. The government, through the ASGISA initiative, recognises the role the DFIs can play in halving poverty and unemployment by 2014, due to the labour intensive nature of the targeted priority sectors, such as agriculture. The performance of most of these DFIs, in terms of mandate achievement and financial sustainability, has not been well balanced, as evidenced by the past and present prevalence of the use of govemment guarantees including recapitalisation and future anticipated requests for such facilities. This study was initiated in response to the anticipated growth in the number of DFIs likely to seek either government guarantees or recapitalisation or both. At present, no mechanism is in place for the National Treasury (NT) to detect financial distress of any DFI long before it occurs, so that intervention measures can be put in place.
AFRIKAANSE OPSOMMING: Ontwikkelingsfinansiering Instellings (OFIs) in Suid Afrika kan hulle rolle versterk as primere voertuie om die sosiale doelwitte van die millennium te bereik. Hierdie doelwitte kan bereik word deur te verseker dat die hoer beskikbare verhouding en middele by die OFIs aangewend word vir ontwikkelingslenings en dat hierdie OFIs finansieel volhoubaar bly. "OFIs het as wee gedien vir die kanalisering van krediet aan prioriteit sektore, dikwels teen konsessionere terme, en het hulle strategies gerig om sosiale en ekonomiese doelwitte te bereik wat geglo is deur markkragte negelaar is. Die nie bestaan van gestruktureede monitering- en evaluasiemeganismes vir beide impak evaluasie en aanwending van hulpbronne maak dit onmoontlik om te verseker dat hierdie OFIs bestaan om die mandate waarvoor hulle geskep is te bereik. Die persepsie van mark versuim regverdig nietemin die allokasie van skaars openbare hulpbronne aan OFIs. Daar word van OFIs verwag om kataliste te wees van finansiele intermediasie, die verskaffing van langtermyn krediet en om by te dra tot ekonomise ontwikkeling deur van bottelnekke weg te neem wat geassosieer word met krediettekorte binne gemeenskappe van Voorheen Benadeelde Individue (VBI). Die aanwending van skaars hulpbronne vra nietemin vir 'n finansiele volhoubare OFI sektor, sodat die volgehoue voorsiening van krediet aan geteikende sektore plaasvind, om die optimum gebruik en allokasie en staatshulpbronne te verseker. Die regering, deur die ASGISA inisatief, erken die rol wat OFIs kan speel in die halvering van armoede en werkloosheid teen 2014, as gevolg van die arbeidsintensiewe aard van die geteikende sektore, soos byvoorbeeld landbou. Die prestasie van hierdie OFIs in terme van die bereiking van mandate en finansiele volhoubaarheid was nie goed gebalanseerd nie, soos bewys word deur die oorgewig van die gebruik in die verlede en huidiglik van regerings waarborge, insluitend herkapitalisasie en toekomstige versoeke vir sodanige fasiliteite. Die studie was geinisieer in reaksie tot die verwagte groei in die getal OFIs wat waarskynlike staastwaarborge of herkapitalisasie of beide gaan vra. Huidiglik is daar geen meganisme in plek vir die Nasionale Tesourie (NT) om die finansiele nood van enige OFI te identifiseer voordat dit plaasvind en om daardeur intervensie maatreels in plek te sit nie.
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Waugh, Geoffrey William. „A study exploring the relationship between employee happiness and financial performance within a South African financial institution“. Thesis, Rhodes University, 2014. http://hdl.handle.net/10962/d1012080.
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This research is an investigation of the relationship between employees 'happiness' and the financial performance of a financial services organisation in South Africa. As a component of the financial services industry the banking sector contributes greatly to the economic growth of the country. The South African Banking sector is concentrated and highly competitive. It is vital for banks to maintain competitiveness and ever increasing global competition adds further pressure on organisations to financially perform so as to meet the demands of their shareholders. The literature that has been reviewed and previous research suggest that employee 'happiness' is a vital variable influencing the performance and success of individuals. Organisational performance will be measured in terms of financial performance for the purposes of this research. The concept of financial performance and 'happiness' are discussed and a questionnaire based on the Satisfaction With Life Scale (Diener et al,1985) is used to determine the levels of 'happiness' at selected branches within the institution. The individual branches financial performance is determined via calculating selected ratios, namely cumulative leverage, cost to income ratio and net yield. An analysis of correlation was conducted to establish whether or not a relationship of statistical significance exists between employee 'happiness' and financial performance. It was concluded that there is no relationship of statistical significance between employee 'happiness' and the financial performance of branches within the organisation, it was suggested that other factors exert a much greater influence over financial performance. Some of these factors influencing financial performance are discussed and recommendations for further research are made.
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Van, der Ross Robert. „Identifying the benefits of social media within large financial institutions in South Africa“. Thesis, University of the Western Cape, 2015. http://hdl.handle.net/11394/4966.
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Magister Commercii (Information Management) - MCom(IM)In recent years, the information systems / information technology industry has been one of the most fast growing industries. Regularly, existing technologies are being upgraded and new technologies are being introduced within the industry. For these reasons, business institutions have to stay abreast with market trends and understand what the market is doing. Since the inceptions of social media, a relatively new phenomenon within industry, institutions have to get on board in terms of using these technologies simply because of what the customers are doing. The augmentation of social media applications within business has proved valuable in the sense that institutions are capitalising on what the customers are really saying. Social media applications take many forms and in this particular paper, the benefits of social media within large financial institution will be analysed. The main aim is to identify the benefits of social media platforms and how large financial institutions are benefiting from these revolutionary communication mediums. In order to fully conceptualise the nature of this research study, it takes the form of a literature review at first, followed by empirical field research. Thereafter the research study uses case study methodology where interviews and survey questionnaires were used to make an in depth analysis of the benefits related to the financial companies. The outcomes of the study showed that there are many benefits of social media within financial institutions. The findings suggest that social media has the ability to enhance the brand, increase customer satisfaction as well as boost business services through innovation. Apart from this study adding to the existing body of knowledge, it could potentially create awareness of the benefits (if any) to financial industries and other industries as well and therefore could be advantageous. In essence, the study outcome could contribute to the improvement of current businesses.
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Shikwambana, Jamela. „Financial instability in South Africa : trends and interactions within the financial markets“. Thesis, Rhodes University, 2007. http://hdl.handle.net/10962/d1005911.
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This study seeks to investigate the trends and interactions of market volatility as a source of instability in the South African financial markets. Financial instability can be manifested in the form of banking and currency crisis, institutional failures and extreme asset price volatility. This study, however, focuses on a single aspect of financial instability - asset price volatility. Asset price volatility reflects changes in market expectations as investors react to such changes, and thus on its own is not necessarily a source of instability. However, volatility spillovers can propagate volatility shocks across the market, increasing the risk of widespread instability. Using a combination of graphical and trend analysis as well as more formal estimation techniques, the study examined volatility in the stock, money and foreign exchange markets. To obtain estimates of market volatility, the study experimented with various volatility models that include the GARCH, TARCH and EGARCH. An analysis of volatility interactions and the transmission of volatility shocks across the market is crucial to understanding financial instability. To examine volatility interaction and the transmission of volatility shocks, a VAR model was estimated. This framework allowed us to examine the propagation of shocks across the markets. Volatility in the financial markets was found to be highly persistent and in the case of exchange rates, volatility was also characterised by an increasing trend. Significant linkages between the financial markets were found. The links also extended to the volatility relationship as evidenced by significant volatility spillovers across the markets. While volatility spillovers from the money market were found in the stock market and the foreign exchange market, no volatility spillovers from these markets were found in the money market. Thus the money market was identified as the major source of volatility spillovers and shocks in the financial markets. These results highlighted the role of monetary policy in the financial system, specifically the need to make monetary policy stable and predictable to ensure that interest rate shocks are not an additional source of instability.KMBT_363
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Jordaan, Michael. „The regulation of deposit-taking financial institutions : a comparative analysis of the United Kingdom, Germany and South Africa“. Thesis, Stellenbosch : Stellenbosch University, 1997. http://hdl.handle.net/10019.1/55746.
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Thesis (PhD)--Stellenbosch University, 1997.ENGLISH ABSTRACT: Standard financial literature contains various explanations for the unique role of deposit-taking intermediaries in an economy. None of these reasons adequately explains the extensive degree of banking regulation evident in practice. The nature of a deposit, which guarantees capital repayment independent of bank performance, uniquely incentivises banks to be exposed to financial risks. In the absence of appropriate regulation, banks may be tempted to assume an unacceptably high level of risk that could ultimately result in bank failure. Thus, the regulation of banking risks is justified in terms of the public interest theory whereby banking regulation seeks to avoid the market imperfections arising from informational asymmetries and "domino" externalities associated with bank failure. Accordingly, the rationale of banking regulation lies in the protection of consumers and in preserving the stability of the financial system. Direct monetary controls, on the other hand, impact adversely on the risk-management activities of banks. The framework utilised to analyse and compare banking regulation consists of three broad categories namely: preventative regulation, protective regulation and monetary requirements. Preventative or prudential regulation is aimed at managing the levels of risks assumed by banks. This form of regulation relates to entry requirements; limitations on certain business activities; the disclosure of risk-related information; the adequacy of capital resources; portfolio restrictions on risk assets; and the sufficiency of liquidity. Protective regulation is concerned with the immediate protection of depositors and maintenance of overall financial stability once a bank has failed. lt consists of crisis management measures and deposit insurance schemes. Direct, and hence inappropriate, monetary requirements are variations in reserve asset requirements, as well as interest rate and credit controls. The banking systems of South Africa, the United Kingdom and Germany were chosen to perform a comparative analysis of financial regulation. The London financial markets are mature and a large variety of banks are regulated in a flexible manner by the Bank of England. By contrast, the strictly regulated German banks dominate their domestic financial system. South Africa is a hybrid of the former systems with a modern banking industry operating in well developed financial markets and supervised according to advanced risk-management considerations. The analysis of preventative and protective regulation in all three financial systems indicates that banking regulation is indeed concerned with the regulation of banking risks. The efforts of the Bank for International Settlements to harmonise regulation across domestic financial systems has contributed significantly to improved regulatory techniques for the management of these risks. None of the three systems make use of direct monetary requirements which suggest awareness of the costs associated with such regulation. A number of recommendations are made to improve financial regulation in South Africa: extension of regulatory coverage to include other types of financial intermediaries who also engage in risky activities; further relaxation of exchange control regulations which restrict the foreign exchange risk management; the adoption of a formal deposit protection scheme; increased consolidated supervision by a single regulatory authority with executive powers; further deregulatory measures in instances where regulations are not appropriate from a risk-management perspective; and re-regulation to the extent that the risk-management activities can be regulated more efficiently.
AFRIKAANSE OPSOMMING: Die finansiele literatuur bevat verskeie verklarings vir die unieke rol wat depositonemende instellings in 'n ekonomie vervul. Geeneen van die redes verskaf 'n bevredigende verklaring vir die wye omvang van bankregulasies in die praktyk nie. Die aard van 'n deposita is sodanig dat die terugbetaling van die kapitaalsom deur 'n bank gewaarborg word, onafhanklik van die winsprestasie van die bank. Gevolglik het banke die unieke eienskap om hulself aan finansiele risikos bloat te stel. Sander gepaste regulering sou banke moontlik daartoe geneigd wees om oormatige hoe risikovlakke na te streef wat tot bankmislukking kan lei. Die regulering van bankrisikos vind dus bestaansreg in die teorie van openbare belang, d.w.s. dat regulering die potensiele markmislukkings, wat voortspruit uit asimmetriese inligting en "domino" eksternaliteite, kan voorkom. Die rasionaal van bankregulering is die beskerming van verbruikers, asook die handhawing van 'n stabiele finansiele stelsel. Direkte monetere beheermaatreels, daarenteen, het 'n ongunstige uitwerking op die bestuur van risikos deur banke. Die raamwerk waarbinne bankregulering ontleed en vergelyk word, bestaan uit drie kategoriee, naamlik voorkomende regulering, beskermende regulering en monetere vereistes. Voorkomende regulering is daarop gemik om die risikos waaraan banke blootgestel is te bestuur. Sodanige regulering verwys na toelatingsvereistes, beperkings op sekere sake-aktiwiteite, die openbaarmaking van risiko-verwante inligting, die toereikendheid van kapitaalhulpbronne, beperkings ten opsigte van baterisikos en voldoende likiditeit. Beskermende regulering is gemoeid met die beskerming van deposante en bestaan uit krisisbeheermaatreels en depositoversekeringskemas. Direkte (en gevolglik ontoepaslike) monetere vereistes bestaan uit veranderlike reserwebatevereistes, asook rentekoers- en kredietbeheermaatreels. Die bankstelsels van Suid Afrika, die Verenigde Koningkryk en Duitsland is gekies vir 'n vergelykende analise van finansiele regulering. Die finansiele markte in Londen is hoogs ontwikkeld en 'n groat verskeidenheid en aantal banke word op 'n pragmatiese wyse deur die Bank of England gereguleer. In direkte teenstelling daarmee word die Duitse banke, wat hul binnelandse finansiele markte domineer, onderwerp aan 'n streng formele toesighoudingstelsel. Die SuidAfrikaanse finansiele stelsel bevat elemente van beide bogenoemde stelsels, by wyse van 'n moderne banksektor, wat funksioneer in goed ontwikkelde finansiele markte en gereguleer word ooreenkomstig gevorderde risikobestuursbeginsels. Die analise van voorkomende en beskermende regulering in die drie finansiele stelsels, bevestig dat bankregulering inderdaad afgestem is op die regulering van finansiele risikos. Die pogings van die Bank van lnternasiona~e Vereffeninge om die regulasies in finansiele stelsels internasionaal met mekaar in orreenstemming te bring het wesenlik hiertoe bygedra. Die vermyding van direkte monetere vereistes dui verder daarop dat toesighoudende owerhede bewus is van die nadele van sodanige regulering. 'n Aantal aanbevelings word gemaak, naamlik: meer omvattende regulering ten einde ander finansiele instellings wat ook finansiele risikos bestuur, te dek; verdere verslappings van valutabeheermaatreels wat tans die bestuur van wisselkoersrisiko beperk; die totstandkoming van 'n formele depositoversekeringstelsel; 'n groter mate van gekonsolideerde toesighouding; verdere deregulering in gevalle waar regulasies vanuit 'n risikobestuursoogpunt nie wenslik is nie; en her-regulering in die mate waartoe die risikobestuurspraktyke meer effektief gereguleer kan word.
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Nigrini, Morne. „Financial services for poor South Africans : an analysis of financial serivices cooperatives“. Thesis, Stellenbosch : Stellenbosch University, 2005. http://hdl.handle.net/10019.1/50357.
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Thesis (MComm)--Stellenbosch University, 2005.ENGLISH ABSTRACT: South Africans earning less than Rl 440 per month (18 million adults) and less than R2 880 per month (29 million adults) are regarded as poor and relatively poor respectively. Of the relatively poor, 78% are unbanked, i.e. do not have access to a formal bank account, while 86% of the poor are unbanked. These figures show clearly that commercial banks do not meet the financial needs of many people, especially the poor for savings, credit, transmission and insurance services. Therefore the importance of those institutions that do not form part of the formal financial sector and provide micro savings and micro credit services, generally referred to as micro finance, to the poor at the local level on a sustainable basis. The objective of this research is twofold. Firstly, a review of the literature on micro finance in general to establish the financial needs of the poor, the constraints formal financial institutions face in providing micro financial services and to identify best practice regarding the provision of financial services to the poor in order to be in the position to form an opinion on institutional success. Secondly, to analyse a specific South African micro finance initiative, Financial Services Cooperatives (FSCs), to identify how FSCs relate to the international best practice and to establish whether they are successful in addressing the financial needs of the poor. A FSC is a financial institution through which micro finance services (savings, credit, transmission and insurance) are extended to unbanked households in a rural village. It utilises a community's rules, customs, relationships, knowledge, solidarity and resources combined with formal financial methods and concepts. The FSC is initiated, owned, financed and managed by the villagers themselves. FSCs are registered cooperatives under the Cooperative Act of 1981 and may accept deposits from their members in terms of an exemption from the Bank Act of 1990. Currently, FSCs experience problems in providing credit, transmission and insurance services, preventing them from intermediating between borrowers and savers. After reviewing the above-mentioned international best practice the conclusion reached with regard to FSCs includes the following: FSCs only provide savings services and therefore do not intermediate between borrowers and savers as required for a financial institution. This in tum prevents them from being sustainable. FSCs' failure can be ascribed to the restrictive legislation, unsuccessful regulation and supervision. New legislation is currently under review that will change the landscape for micro finance and specifically for FSCs.
AFRIKAANSE OPSOMMING: Suid-Afrikaners wat minder as Rl 440 per maand (18 miljoen volwassenes) en minder as R2 880 per maand verdien (29 miljoen volwassenes) word onderskeidelik as arm and relatief arm bestempel. Agt-en-sewentig persent van dié wat relatief arm is, het nie toegang tot 'n formele bankrekening nie, terwyl 86% van dié wat arm is, geen toegang het nie. Hierdie syfers toon duidelik dat kommersiële banke nie aan die finansiële behoeftes, met betrekking tot spaar-, krediet-, transmissie- en versekeringsdienste van baie mense voldoen nie, veral nie die armes nie. Daarom dat instellings wat nie deel vorm van die formele finansiële sektor nie en mikrobesparings en mikro-krediet, algemeen bekend as mikro-finansies, in 'n plaaslike gebied en op 'n volhoubare basis verleen, belangrik is. Die doel van hierdie navorsing is tweeledig: Eerstens, bied dit 'n oorsig oor die mikro-finansiering literatuur ten einde die finansiële behoeftes van die armes te ondersoek en die beperkings wat formele finansiële instellings ondervind om mikro-finansiële dienste te verskaf, aan te stip. Beste praktyk rakende die voorsiening van finansiële dienste aan die armes word geïdentifiseer, om sodoende in 'n posisie te wees om 'n opinie te kan vorm oor institusionele suksesfaktore. Tweedens, om a spesifieke Suid-Afrikaanse mikro-finansiële inisiatief, Finanical Services Cooperatives (FSCs) te ondersoek, ten einde vas te stel hoe hierdie inisiatief vergelyk met internasionale beste praktyk en hoe suksesvol dit is in die voorsiening van finansiële dienste aan die armes. 'n FSC is 'n finansiële instelling waardeur mikro-finansiële dienste (spaar-, krediet-, transmissie- en versekeringsdienste) verskaf word aan diegene in 'n plattelandse nedersetting wat nie toegang tot formele bankdienste het me. FSCs maak gebruik van 'n gemeenskap se reëls, gebruike, verhoudings, kennis, solidariteit en hulpbronne en kombineer dit met formele finansiële metodes en konsepte. Dit is 'n inisiatief van die gemeenskap en word deur die inwoners van die nedersetting besit, finansier en bestuur. FSCs is geregistreerde koëperasies in terme van die Ko-operatiewe Wet van 1981, en mag ook deposito's van hulle lede aanvaar op grand van 'n vrystelling van die Bankwet van 1990. Tans ondervind FSCs probleme in die verskaffing van krediet-, transmissieen versekeringsdienste wat hulle verhoed om as tussenganger tussen leners en spaarders op te tree. Na die oorweging van die internasionale beste-praktyk, kan die volgende gevolgtrekking rakende FSCs gemaak word: FSCs tree nie op as tussenganger tussen leners en spaarders nie, soos vereis word van 'n finansiële instelling nie. Dit beperk gevolglik volhoubaarheid. Die mislukking kan toegeskryf word aan beperkte wetgewing, onsuksesvolle regulering en supervisie. Nuwe wetgewing is tans onder oorweging wat die landskap vir mikro finansiering en veral vir FSCs sal verander.
Bücher zum Thema "Financial institutions – Africa"
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Ltd, Alexander Consulting (Pty). Financial services in South Africa. Dublin: Lafferty Publications, 1991.
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Financial institutions in South Africa: Financial, investment and risk management. Kenwyn: Juta & Co., 1993.
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Popiel, Paul A. Financial systems in sub-Saharan Africa: A comparative study. Washington, D.C: World Bank, 1994.
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B, Falkena H. Financial regulation in South Africa. 2. Aufl. Johannesburg, South Africa: SA Financial Sector Forum, 2001.
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African economic institutions. New York, NY: Routledge, 2009.
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Beck, Thorsten. Financing Africa: Through the crisis and beyond. Washington DC: World Bank, 2011.
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Conference of African Ministers of Finance (6th 1997 Addis Ababa, Ethiopia). Financial sector reforms and debt management in Africa. Addis Ababa, Ethiopia: Economic Commission for Africa, 1997.
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Irving, Jacqueline. Local sources of financing for infrastructure in Africa: A cross-country analysis. [Washington, D.C: World Bank, 2009.
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Kelly, Roger. Savings and financial sector development: Panel cointegration evidence from Africa. Helsinki: United Nations University, World Institute for Development Economics Research, 2003.
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W, Senbet Lemma, Hrsg. Essential financial market reforms in Africa. Legon, Ghana: Institute of Statistical, Social & Economic Research, University of Ghana, Legon, 2004.
Den vollen Inhalt der Quelle findenBuchteile zum Thema "Financial institutions – Africa"
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Mbaku, John Mukum. „Africa and Global Financial Institutions“. In The Palgrave Handbook of African Colonial and Postcolonial History, 855–79. New York: Palgrave Macmillan US, 2018. http://dx.doi.org/10.1057/978-1-137-59426-6_35.
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Ayogu, Melvin, und Hashem Dezhbakhsh. „South Africa“. In Macroeconomic Volatility, Institutions and Financial Architectures, 316–46. London: Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9780230590182_12.
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Nkoro, Emeka, und Aham Kelvin Uko. „The Impact of Globalization on Sub-Saharan Africa“. In Globalization of Financial Institutions, 57–71. Cham: Springer International Publishing, 2013. http://dx.doi.org/10.1007/978-3-319-01125-7_4.
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Akinola, Adeoye. „The Role of International Financial Institutions in Africa“. In The Palgrave Handbook of African Politics, Governance and Development, 679–93. New York: Palgrave Macmillan US, 2017. http://dx.doi.org/10.1057/978-1-349-95232-8_41.
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Viterbo, Annamaria. „The Role of the International Financial Institutions in Fragile and Conflict-Affected Countries“. In Peace Maintenance in Africa, 111–34. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-72293-1_5.
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Seibel, Hans Dieter. „6. Linking Informal and Formal Financial Institutions in Africa and Asia“. In Microenterprises in Developing Countries, 97–118. Rugby, Warwickshire, United Kingdom: Practical Action Publishing, 1987. http://dx.doi.org/10.3362/9781780440163.006.
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Michoud, Bruno, und Manfred Hafner. „Direct and Indirect Investments in the Energy Sector“. In Financing Clean Energy Access in Sub-Saharan Africa, 83–101. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-75829-5_5.
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AbstractThis chapter focuses on financial investments, coming either from public or private asset managers and institutions. It has two main targeted readers (without any exclusion): (i) public and private capital providers, with the objective of presenting traditional and alternative financial instruments and schemes capable to align risk-return profiles of several investment opportunities in the clean energy sector, (ii) project developers, in order to increase awareness of the financial mechanisms available in the market.
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Smith-Omomo, Julia. „Introduction“. In African Indigenous Financial Institutions, 1–6. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-98011-9_1.
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Smith-Omomo, Julia. „Correction to: Shadows Are Weaker“. In African Indigenous Financial Institutions, E1. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-98011-9_10.
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Smith-Omomo, Julia. „Certainty Premiums and Cognitive Loads“. In African Indigenous Financial Institutions, 7–24. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-98011-9_2.
Der volle Inhalt der QuelleKonferenzberichte zum Thema "Financial institutions – Africa"
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Mutegi, Lorna, Dennis Gichuki und Joseph Sevilla. „IT security service commoditization: The case of financial institutions in Kenya“. In 2016 IST-Africa Week Conference. IEEE, 2016. http://dx.doi.org/10.1109/istafrica.2016.7530642.
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Akande, Akinlolu Olumide, und Jean-Paul Van Belle. „A proposed framework to assess and increase the cloud computing readiness of financial institutions in South Africa“. In 2014 5th International Conference- Confluence The Next Generation Information Technology Summit. IEEE, 2014. http://dx.doi.org/10.1109/confluence.2014.6949250.
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Coetzee, Isabella. „Student support to enhance student living and learning at a South African University“. In HEAd'16 - International Conference on Higher Education Advances. Valencia: Universitat Politècnica València, 2016. http://dx.doi.org/10.4995/head16.2016.2659.
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Quantitative measures show that the higher education system in South Africa remains inefficient and this reality poses significant challenges to all universities. The Faculty of Humanities at the Tshwane University of Technology has added a Student Support Programme to the existing institutional student support structures. In this article, the author reflects on the experiences of student supporters who were appointe in 2014 and 2015 for the enhancement of students' living and learnining to improve success in the Faculty of Huanities. The findings indicated that this programme has indeed improved the academic performance and personal circumstances of hundreds of students. The under-preparedness of students entering South African higher education institutions was highlighted as a major obstacle in academic performances. The majority of students who are supported by this programme experience intense personal and social challenges that are by and large brought about by and as the result of severe financial needs. The student supprters were adamant in their departing statement that much more had to be done over and beyond the general and existing approach and support structures at the Tshwane University of Technology to support these students.Keywords: Student support; Student living; Student learning; Social challenges
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NGALA, JUSTUS, NAZEEM ANSARY und OLANREWAJU ABDUL. „Analysis of Credit Rationing Among Construction Enterprises SMEs within Financial Institutions A Case of Gauteng Province in South Africa“. In Fourth International Conference on Advances in Civil, Structural and Environmental Engineering - ACSEE 2016. Institute of Research Engineers and Doctors, 2016. http://dx.doi.org/10.15224/978-1-63248-114-6-56.
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Chimpeni, Naomi, und Jean-Paul Van Belle. „The role of country characteristics in ICT value realization in financial institutions: The case of Southern Africa least developing countries“. In 2018 Conference on Information Communications Technology and Society (ICTAS). IEEE, 2018. http://dx.doi.org/10.1109/ictas.2018.8368736.
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Peens, Shaun. „HIGHER EDUCATION INSTITUTIONS’ NEED TO INITIATE CHANGE TO THE ACCOUNTING CURRICULUM DURING THE FOURTH INDUSTRIAL REVOLUTION (4IR)“. In International Conference on Education and New Developments. inScience Press, 2021. http://dx.doi.org/10.36315/2021end032.
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In South Africa, the Further Education and Training phase (FET) in Accounting faces a major decline in learner numbers. The current format of FET Accounting serves little purpose in preparing learners for Accounting courses at tertiary level, if FET Accounting is not a precondition to Professional and Chartered Accountant courses. This study followed a qualitative research approach, from five Focus Groups at five Secondary schools in the Motheo Educational district, comprising of 16 FET Accounting Teachers to consider possible reasons for the decline of learners in FET Accounting. As result, uncertainty exists regarding the future of FET Accounting and the Accounting profession, when guidance teachers are presumably advising learners to take less suitable subjects, like Mathematical Literacy, History of Geography to enhance school reports. These findings influence the social responsibility of teachers; and it also results in many Accounting students having to spend two or more additional years at university due to their apparent lack of basic Accounting skills. Additionally, the negative perception towards FET Accounting might impact learners’ choices who might not plan a career in Accounting, thereby limiting their ability to secure any career in the financial sector. Collaborative social change is required from the Accounting profession and university alike, especially in the Fourth Industrial Revolution era, where a high degree of ethics and transparency are required.
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Oredo, John, James Njihia und X. N. Iraki. „Cloud computing adoption in the Kenya's financial sector: An institutional perspective“. In 2017 IST-Africa Week Conference (IST-Africa). IEEE, 2017. http://dx.doi.org/10.23919/istafrica.2017.8102393.
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Jacobs, SJ, und Marlien Herselman. „Information Access for Development: A Case Study at a Rural Community Centre in South Africa“. In InSITE 2006: Informing Science + IT Education Conference. Informing Science Institute, 2006. http://dx.doi.org/10.28945/2969.
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This paper examines the theoretical linkage between ICT and advances within a business in a rural community in the North West Province of South Africa. Various aspects are addressed like services and service delivery mechanism, locally adapted content and context, realistic approach to technologies and financial sustainability. A rural community centre in Itsoseng was investigated regarding the above aspects and the results are provided. It became apparent that if these above aspects are not seen as integrated activities within a rural community, success is difficult to achieve. Success in providing human and institutional capacities that harness information and knowledge is imperative.
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Van Heerden, Corlia. „THE LEGISLATIVE AND INSTITUTIONAL FRAMEWORK FOR SOUTH AFRICA'S NEW TWIN PEAKS MODEL OF FINANCIAL REGULATION“. In 2nd Law & Political Science Conference, Prague. International Institute of Social and Economic Sciences, 2018. http://dx.doi.org/10.20472/lpc.2018.002.013.
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Ekenta, Chukuemeka, und Moses Baridoma. „Impact of Apex Morgage Finance Institution on Real Property Development Financing in Africa. (A case study of the Federal Mortgage Bank og Noggeria)“. In 12th African Real Estate Society Conference. African Real Estate Society, 2012. http://dx.doi.org/10.15396/afres2012_106.
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African Open Science Platform Part 1: Landscape Study. Academy of Science of South Africa (ASSAf), 2019. http://dx.doi.org/10.17159/assaf.2019/0047.
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This report maps the African landscape of Open Science – with a focus on Open Data as a sub-set of Open Science. Data to inform the landscape study were collected through a variety of methods, including surveys, desk research, engagement with a community of practice, networking with stakeholders, participation in conferences, case study presentations, and workshops hosted. Although the majority of African countries (35 of 54) demonstrates commitment to science through its investment in research and development (R&D), academies of science, ministries of science and technology, policies, recognition of research, and participation in the Science Granting Councils Initiative (SGCI), the following countries demonstrate the highest commitment and political willingness to invest in science: Botswana, Ethiopia, Kenya, Senegal, South Africa, Tanzania, and Uganda. In addition to existing policies in Science, Technology and Innovation (STI), the following countries have made progress towards Open Data policies: Botswana, Kenya, Madagascar, Mauritius, South Africa and Uganda. Only two African countries (Kenya and South Africa) at this stage contribute 0.8% of its GDP (Gross Domestic Product) to R&D (Research and Development), which is the closest to the AU’s (African Union’s) suggested 1%. Countries such as Lesotho and Madagascar ranked as 0%, while the R&D expenditure for 24 African countries is unknown. In addition to this, science globally has become fully dependent on stable ICT (Information and Communication Technologies) infrastructure, which includes connectivity/bandwidth, high performance computing facilities and data services. This is especially applicable since countries globally are finding themselves in the midst of the 4th Industrial Revolution (4IR), which is not only “about” data, but which “is” data. According to an article1 by Alan Marcus (2015) (Senior Director, Head of Information Technology and Telecommunications Industries, World Economic Forum), “At its core, data represents a post-industrial opportunity. Its uses have unprecedented complexity, velocity and global reach. As digital communications become ubiquitous, data will rule in a world where nearly everyone and everything is connected in real time. That will require a highly reliable, secure and available infrastructure at its core, and innovation at the edge.” Every industry is affected as part of this revolution – also science. An important component of the digital transformation is “trust” – people must be able to trust that governments and all other industries (including the science sector), adequately handle and protect their data. This requires accountability on a global level, and digital industries must embrace the change and go for a higher standard of protection. “This will reassure consumers and citizens, benefitting the whole digital economy”, says Marcus. A stable and secure information and communication technologies (ICT) infrastructure – currently provided by the National Research and Education Networks (NRENs) – is key to advance collaboration in science. The AfricaConnect2 project (AfricaConnect (2012–2014) and AfricaConnect2 (2016–2018)) through establishing connectivity between National Research and Education Networks (NRENs), is planning to roll out AfricaConnect3 by the end of 2019. The concern however is that selected African governments (with the exception of a few countries such as South Africa, Mozambique, Ethiopia and others) have low awareness of the impact the Internet has today on all societal levels, how much ICT (and the 4th Industrial Revolution) have affected research, and the added value an NREN can bring to higher education and research in addressing the respective needs, which is far more complex than simply providing connectivity. Apart from more commitment and investment in R&D, African governments – to become and remain part of the 4th Industrial Revolution – have no option other than to acknowledge and commit to the role NRENs play in advancing science towards addressing the SDG (Sustainable Development Goals). For successful collaboration and direction, it is fundamental that policies within one country are aligned with one another. Alignment on continental level is crucial for the future Pan-African African Open Science Platform to be successful. Both the HIPSSA ((Harmonization of ICT Policies in Sub-Saharan Africa)3 project and WATRA (the West Africa Telecommunications Regulators Assembly)4, have made progress towards the regulation of the telecom sector, and in particular of bottlenecks which curb the development of competition among ISPs. A study under HIPSSA identified potential bottlenecks in access at an affordable price to the international capacity of submarine cables and suggested means and tools used by regulators to remedy them. Work on the recommended measures and making them operational continues in collaboration with WATRA. In addition to sufficient bandwidth and connectivity, high-performance computing facilities and services in support of data sharing are also required. The South African National Integrated Cyberinfrastructure System5 (NICIS) has made great progress in planning and setting up a cyberinfrastructure ecosystem in support of collaborative science and data sharing. The regional Southern African Development Community6 (SADC) Cyber-infrastructure Framework provides a valuable roadmap towards high-speed Internet, developing human capacity and skills in ICT technologies, high- performance computing and more. The following countries have been identified as having high-performance computing facilities, some as a result of the Square Kilometre Array7 (SKA) partnership: Botswana, Ghana, Kenya, Madagascar, Mozambique, Mauritius, Namibia, South Africa, Tunisia, and Zambia. More and more NRENs – especially the Level 6 NRENs 8 (Algeria, Egypt, Kenya, South Africa, and recently Zambia) – are exploring offering additional services; also in support of data sharing and transfer. The following NRENs already allow for running data-intensive applications and sharing of high-end computing assets, bio-modelling and computation on high-performance/ supercomputers: KENET (Kenya), TENET (South Africa), RENU (Uganda), ZAMREN (Zambia), EUN (Egypt) and ARN (Algeria). Fifteen higher education training institutions from eight African countries (Botswana, Benin, Kenya, Nigeria, Rwanda, South Africa, Sudan, and Tanzania) have been identified as offering formal courses on data science. In addition to formal degrees, a number of international short courses have been developed and free international online courses are also available as an option to build capacity and integrate as part of curricula. The small number of higher education or research intensive institutions offering data science is however insufficient, and there is a desperate need for more training in data science. The CODATA-RDA Schools of Research Data Science aim at addressing the continental need for foundational data skills across all disciplines, along with training conducted by The Carpentries 9 programme (specifically Data Carpentry 10 ). Thus far, CODATA-RDA schools in collaboration with AOSP, integrating content from Data Carpentry, were presented in Rwanda (in 2018), and during17-29 June 2019, in Ethiopia. Awareness regarding Open Science (including Open Data) is evident through the 12 Open Science-related Open Access/Open Data/Open Science declarations and agreements endorsed or signed by African governments; 200 Open Access journals from Africa registered on the Directory of Open Access Journals (DOAJ); 174 Open Access institutional research repositories registered on openDOAR (Directory of Open Access Repositories); 33 Open Access/Open Science policies registered on ROARMAP (Registry of Open Access Repository Mandates and Policies); 24 data repositories registered with the Registry of Data Repositories (re3data.org) (although the pilot project identified 66 research data repositories); and one data repository assigned the CoreTrustSeal. Although this is a start, far more needs to be done to align African data curation and research practices with global standards. Funding to conduct research remains a challenge. African researchers mostly fund their own research, and there are little incentives for them to make their research and accompanying data sets openly accessible. Funding and peer recognition, along with an enabling research environment conducive for research, are regarded as major incentives. The landscape report concludes with a number of concerns towards sharing research data openly, as well as challenges in terms of Open Data policy, ICT infrastructure supportive of data sharing, capacity building, lack of skills, and the need for incentives. Although great progress has been made in terms of Open Science and Open Data practices, more awareness needs to be created and further advocacy efforts are required for buy-in from African governments. A federated African Open Science Platform (AOSP) will not only encourage more collaboration among researchers in addressing the SDGs, but it will also benefit the many stakeholders identified as part of the pilot phase. The time is now, for governments in Africa, to acknowledge the important role of science in general, but specifically Open Science and Open Data, through developing and aligning the relevant policies, investing in an ICT infrastructure conducive for data sharing through committing funding to making NRENs financially sustainable, incentivising open research practices by scientists, and creating opportunities for more scientists and stakeholders across all disciplines to be trained in data management.