The impact of consumer debt on financial sustainability of village councils in the Hardap region of Namibia

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dc.contributor.advisorChiripanhura, Blessing
dc.contributor.authorTitus, Julian
dc.date.accessioned2025-09-17T08:10:05Z
dc.date.available2025-09-17T08:10:05Z
dc.date.issued2021
dc.descriptionA thesis submitted in partial fulfilment of the requirements for the Degree of Master of Business Administration Finance
dc.description.abstractThe main purpose of the study was to investigate the impact of consumer debt on financial sustainability of village councils in the Hardap Region namely: Gochas, Gibeon, Kalkrand, Stampriet and Maltahohe Village Councils. The study adopted mixed methods with both positivist and interpretivist paradigms. Both probability and non-probability sampling methods were applied. Through stratified sampling, the researcher drew 70 respondents from the 96 employees of the 5 peri-urban councils and simple random sampling technique was used to pick 25 residents from all the five village councils in the Hardap Region. The total study sample for this study was made up of 100 participants. The study adopted two sets of data collection instruments in the form of a questionnaire with structured questions and an interview guide to collect quantitative and qualitative data respectively. All qualitative data was analysed thematically and presented in narrative fonn using direct quotations from respondents. Quantitative data was analysed using descriptive statistics and presented in the form of tables. The results revealed that government grants, consumer debt and borrowed funds have a direct impact on the financial sustainability measured in terms of surplus/deficit. Hence, village councils should come up with financial strategies or policies aimed at enhancing the income generating capacity of these non-profit organisations and which will at the same time maintain the overall operational expenditure at its lowest possible levels
dc.identifier.urihttp://hdl.handle.net/11070/4125
dc.language.isoen
dc.publisherUniversity of Namibia
dc.subjectConsumer debt
dc.subjectFinancial sustainability
dc.subjectHardap region
dc.subjectVillage councils
dc.subjectNamibia
dc.subjectUniversity of Namibia
dc.titleThe impact of consumer debt on financial sustainability of village councils in the Hardap region of Namibia
dc.typeThesis
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