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University of South Africa

1. Risenga, Arthur. Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers .

Degree: 2012, University of South Africa

This study seeks to show that a higher usage of debt instruments by consumers with limited available funds leads to the usage of savings tools to finance debt costs, which subsequently results in lower levels of savings. This was espoused by the literature on PFM and also proven by the test results from the research hypotheses that were computed by means of a logistic regression. The test results showed that there is a statistically significant relationship between the usage of debt instruments and the usage of savings tools. An emphasis is placed on the importance of savings as an integral component of the PFM concept: it is namely seen to be indispensable to good financial planning to ensure current and future consumer financial security. Therefore, this study concludes by highlighting the importance of consumers’ financial- management skills in minimising debt costs to increase levels of savings by controlling higher consumption expenditure through debt. Advisors/Committee Members: Nienaber, Hester (advisor), Van Aardt, Carel (advisor).

Subjects/Keywords: Debts instruments; Savings tools; Personal financial management; Financial planning; Financial security; Financial wellness; Research hypothesis; Significant relationship; Logistic regression; Consumers

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Risenga, A. (2012). Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers . (Masters Thesis). University of South Africa. Retrieved from http://hdl.handle.net/10500/11907

Chicago Manual of Style (16th Edition):

Risenga, Arthur. “Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers .” 2012. Masters Thesis, University of South Africa. Accessed December 05, 2020. http://hdl.handle.net/10500/11907.

MLA Handbook (7th Edition):

Risenga, Arthur. “Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers .” 2012. Web. 05 Dec 2020.

Vancouver:

Risenga A. Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers . [Internet] [Masters thesis]. University of South Africa; 2012. [cited 2020 Dec 05]. Available from: http://hdl.handle.net/10500/11907.

Council of Science Editors:

Risenga A. Predictive effect of the relationship between debt-instruments and the usage of savings tools by consumers . [Masters Thesis]. University of South Africa; 2012. Available from: http://hdl.handle.net/10500/11907

2. Ahmed, Juber. Client Information Needs of MFIs : A Case Study of ASA Bangladesh.

Degree: 2010, , School of Management

Abstract Title: Client Information Needs of MFIs: A Case Study of ASA Bangladesh Author: Juber Ahmed Academic Advisor: Dr. Klaus Solberg Søilen Department: School of Management, Blekinge Institute of Technology Course: Master Thesis in Business Administration Purpose: To enrich the knowledge base of client’s needs of financial services and assessing the tools MFIs used to collect clients’ information and how they utilized the information for developing new products and services or modifying existing products and services or their terms and conditions to meet the needs of financial services of their clientele. Also how MFIs organized and managed the information and how they categorized their clients using that information. Method: The investigation conducted from both a theoretical and an empirical point of view. The deductive approach used for the study and the case study method deployed. I studied ASA which is an MFI renowned in Bangladesh and beyond. At first, I had gone through a secondary research for collecting a number of successful methods and standard types of information used by successful MFIs from existing literature. In primary research, I interviewed 10 Managers (Assistant Directors) for ASA to determine which of the methods found in the literature were more effective for collecting clients’ information for them and also asked them to add their ideas to the list. At last I asked interviewees to rate the methods and results presented in this paper. Theory: This study was an exploratory one where I discussed the related aspects for the study - Microfinance, Client Assessment, Clients of Microfinance, Information needs and Management Information System. Findings: The study showed that ASA utilized client information for developing their credit products and services and based on number of loans taken by the clients they categorized their clients and modified or developed new products and services for each category of clients. Although ASA executed several tools for collecting client information but the managers think that their staffs’ collection of information from regular meeting with clients was more effective than others for modifying products’ terms and conditions and modifying or developing new products and services to their women and small enterprise clients. The conducted study also revealed that in ASA impact study was necessary to know clients’ overall level of satisfaction but management needed specific information on what aspects of ASA and its credit products and services clients preferred and did not prefer and the reasons of the preferences. Also they needed action plan to address clients’ specific concerns, so they needed the information on a continual basis and they were successful to achieve this continuous flow of information. For ASA, the best way to get this type of information would be through client satisfaction Focus Group Discussions (FGDs), although they utilized several tools but not often as discussed in part 3 in chapter 5. ASA owned an MIS (AMMS) for monitoring and managing…

Subjects/Keywords: Client; Information; Microfinance; Microcredit; Savings; Client Assessment; Client Assessment Tools; MIS; Microfinance Institution; NGO; Bangladesh; ASA; Client Intelligence

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Ahmed, J. (2010). Client Information Needs of MFIs : A Case Study of ASA Bangladesh. (Thesis). , School of Management. Retrieved from http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1117

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16th Edition):

Ahmed, Juber. “Client Information Needs of MFIs : A Case Study of ASA Bangladesh.” 2010. Thesis, , School of Management. Accessed December 05, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1117.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7th Edition):

Ahmed, Juber. “Client Information Needs of MFIs : A Case Study of ASA Bangladesh.” 2010. Web. 05 Dec 2020.

Vancouver:

Ahmed J. Client Information Needs of MFIs : A Case Study of ASA Bangladesh. [Internet] [Thesis]. , School of Management; 2010. [cited 2020 Dec 05]. Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1117.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Ahmed J. Client Information Needs of MFIs : A Case Study of ASA Bangladesh. [Thesis]. , School of Management; 2010. Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1117

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

.