Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region select="/dri:document/dri:meta/dri:pageMeta/dri:metadata[@element='title']/node()"/>

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dc.contributor.author Mbarandongo, Erich Erwin
dc.date.accessioned 2020-08-23T15:22:44Z
dc.date.available 2020-08-23T15:22:44Z
dc.date.issued 2018
dc.identifier.uri http://hdl.handle.net/11070/2826
dc.description A thesis submitted in partial fulfilment of the requirements for the Degree of Master of Business Administration en_US
dc.description.abstract Although micro lending can provide some benefits to the low income socioeconomic grouping, it often results in over-indebtedness for many families. The focus of this study was on the factors contributing to indebtedness of public servants of Fransfontein Settlement in the Kunene region. The study objectives were to determine decisions for loan sizes that they acquire; assessment of the levels of indebtedness; identification of the impact of micro lending on public servant’s consumption habits and an investigation whether participation in microfinance programs significantly reduces household vulnerability to poverty. A quantitative approach was employed in this study, using 89 participants who were randomly selected. The study revealed that indebtedness is mostly caused by the inability to save which is normally is caused by an overstretched budget due to the number of family members resident in the home. The other causes of indebtedness were associated with borrowers servicing more than one loan and the interest implications. The implications from the findings is that the government and the central bank must address the issue of indebtedness because its effects can negatively impact national livelihood, education and living standards of those residing in remote areas. en_US
dc.language.iso en en_US
dc.publisher University of Namibia en_US
dc.subject Indebtedness en_US
dc.subject Public servants en_US
dc.subject Micro-lending en_US
dc.title Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region en_US
dc.type Thesis en_US


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