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Faculty of Management Sciences

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Has files: YesSubject: search.filters.subject.Low-income housing--South Africa

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    An analysis of the quality of life of people living in urban, formal, low-cost housing settlements : a case of Mount Moriah
    (2020-01) Govender, Lydia Trisha; Msweli, Pumela
    Apartheid left a legacy of extreme poverty, high levels of unemployment, and have marred the housing context in the country. This makes South Africa a unique landscape for quality of life research. The aim of quality of life research is to advance human and social development to improve quality of life and standards of living. The aim of this study is to analyse the quality of life of people living in urban, formal, lowcost housing settlements, through a case study of Mount Moriah in Durban, Kwa-Zulu Natal. The study analysed how the Reconstruction and Development Programme (RDP) housing project improved the quality of life of RDP beneficiaries. The study utilised a quantitative methodology approach. The quantitative design took the form of a questionnaire with close-ended questions and served as an instrument of data collection. The questionnaire was administered to the housing beneficiaries in the Mount Moriah housing project. A total of 110 participants responded to the questionnaire. The data was analysed using the SPSS version 25.0. Descriptive statistics such as tables, frequency, percentage, bar and pie charts were utilised, and inferential statistics such as chi-square test was employed. The findings showed that there were more female-headed households than males; and that the majority of the beneficiaries were Blacks. The findings also showed that unemployment rates and level of crime was high and the majority of the respondents earned below the upper bound poverty line. On the basis of the findings of this study, it is recommended that government implements and promotes socio-economic opportunities and programmes to promote quality of life of people living in urban, formal, low-cost housing settlements.
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    Barriers preventing marginal income groups from accessing housing finance
    (2006) Shelembe, Sipho Dennis
    The marginal and low-income groups face a number of obstacles in their quest to secure housing finance to improve their living conditions. South Africa has a sophisticated and effective finance system. However, it appears that the only beneficiaries from it are the middle and upper income groups of the housing market. The whole system of accessing housing finance has proven to be problematic for the marginal and lower income groups for various reasons, among others: it is not user friendly and is not easily understood by an illiterate or poorly educated person. The key challenge for the South African housing finance system is to find ways of bridging the gap between those who have a regular income and those who do not. The credit gap exists because of the relationship between risk and cost which is a standard lending issue across the globe. The study has unpacked the obstacles by looking at the literature and role players in the housing finance.