Philosophiae Doctor - PhD (Economics)

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Browsing by Author "Bayat, Amiena"

Now showing 1 - 7 of 7
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    Assessment of poverty and inequality trends in the six geopolitical zones in Nigeria: Evidence from the General Household Survey of Nigeria
    (University of the Western Cape, 2018) Jaiyeola, Afeez Olalekan; Bayat, Amiena
    The high rate of poverty in Nigeria has reached alarming proportions. Despite average economic growth rates of 6 percent between 2004 and 2010, the incidence of poverty has remained high, increasing from 54.7 percent in 2004 to 60.9 percent in 2010 (Nigerian Bureau of Statistics, 2010). A drop in the poverty rate to an average of 56.1 percent between 1999 and 2007 could be attributed to the measures taken by the civilian government against administrative corruption, increased domestic and foreign investments and some implemented agricultural policies. These efforts were thwarted by subsequent administrations with devastating effects for the Nigerian population. It is in recognition of this that this study examines the political economy of poverty in Nigeria; analyses the variations in poverty and inequality across the six geopolitical zones of Nigeria; examines the impact of economic growth on poverty reduction across the six geopolitical zones of Nigeria over the period 2010 - 2013; investigates the reasons for the low rates of poverty reduction in Nigeria and analyses whether economic growth in Nigeria was pro-poor.
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    The association between socioeconomic factors, alcohol use and alcohol-related outcomes in South Africa
    (University of Western Cape, 2021) Govera, Hemish; Bayat, Amiena
    This thesis researched the relationship between alcohol consumption, socioeconomic characteristics and alcohol-related harms such as subjective health status, chronic health conditions and mental health status in South Africa. The study sought to determine if the alcohol harm paradox (AHP) exists in the country. The AHP is the empirical finding that socioeconomically disadvantaged individuals tend to suffer more alcohol-related harms compared to individuals who are socioeconomically advantaged, despite reporting similar or lower levels of alcohol consumption on average. The research presented the contextual background to alcohol consumption in the country that helped form the current drinking culture, which includes the harmful drinking culture fomented by the apartheid system in the townships and farms of South Africa. The study also reviewed the effectiveness of current alcohol policies and legislation in addressing alcohol-related harms in the South African society.
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    The economic impact of FinTech in the South African banking industry: A case of digital disruption
    (University of the Western Cape, 2019) Mungai, Kinyanjui; Bayat, Amiena
    The Fourth Industrial Revolution has provided new opportunities to tackle problems in health, education, transport and many other sectors. In the financial sector, new financial technology (FinTech) is providing new ways of tackling the problem of financial exclusion. The uptake of cell phones has enabled financial service providers (FSPs) to expand into areas where the most vulnerable have hitherto been outside the reach of the banking agency model. This has ultimately allowed previously financially excluded individuals to have access to bank accounts. Through SMACT (Social Media, Mobile, Analytics, Cloud and the Internet of Things) technologies, FSPs are able to collect new types of data such as call detail record data and mobile app data which have been leveraged globally to enable the emergence of M-Pesa in Kenya, the WeChat payments module in China and KakaoBank, South Korea’s first online-only bank. The common thread in these innovations is that these are telecommunications company-led business models that have encroached into the area of finance. Such digital disruption has happened in South Africa but little is understood about how inclusive digital financial services are in the South African context. Moreover, what are the barriers to further financial inclusion, given that South Africa has significantly high bank account uptake rates? What role can the Fourth Industrial Revolution technologies have in breaking those barriers and reaching the lower-income population that has largely been mis-sold financial products that were created for the middle to upper-income population? This study sought to investigate how the diffusion of SMACT technology has contributed to financial inclusion in the South African financial services sector. The study made use of a mixed methods approach to answer this research question. Finscope data from 2012 to 2015 was used as the data source for the quantitative section and key informant interviews as the source of data for the qualitative section. The study found that roughly 80% of adults in South Africa are financially included through formal banks. Despite the near 100% uptake rates of cell phones across all income groups, proximity to an ATM or bank branch still significantly determined whether an individual accessed formal financial services. The study also found that ATM withdrawal, store withdrawal and internet banking were infrequently utilised by lower-income adults. In terms of internet banking and digital financial services in general, financial products, especially digital credit, do not appear to be well aligned with the needs of the lower-income consumer. The mismatch of financial products and the needs of lower-income consumers is further worsened by poor financial literacy levels in South Africa, especially among lower-income consumers. The study concludes that more needs to be done to increase economic inclusion, digital inclusion and financial inclusion for the lower-income population in South Africa. While consumer protection and transparency are well covered in the regulatory and legislative framework to which FSPs by and large adhere, a more inclusive and sustainable financial sector will only exist if product fit, affordability, financial literacy and convenience issues are addressed. This should happen in an enabling environment where ICT infrastructure benefits all, interoperability of digital financial services is reached and a regulatory framework more focused on financial inclusion is in place.
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    Evaluating the impact of facility and household-level factors on early learning development in Philippi, Western Cape
    (University of Western Cape, 2021) Madyibi, Siphe; Bayat, Amiena
    Early learning opportunities in South Africa are both inaccessible and unequal in quality due to facility and household-level factors. With minimal resources, Early Childhood Development (ECD) facilities in poor communities provide low-quality ECD services to children. Part of the reason that ECD facilities are under-resourced and of poor quality is their inadequate funding. The disparity in quality means that poor children may still lag behind children who have had access to high-quality, well-resourced ECD facilities. Beside facility-level factors, the process of early learning is also influenced by household factors. Studies have found that low-cost stimulations such as storytelling, singing and playing with household objects can be used as tools to promote early development within the confines of the household.
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    Infrastructure investment in Sub-Saharan Africa: Opportunities, risks and prospects for economic development
    (University of Western Cape, 2020) Mphigalale, Tshifhiwa Victor; Bayat, Amiena
    There is considerable theoretical and empirical research devoted to the study of infrastructure investment and development and how they relate to economic growth. There is also evidence in developed economies that their economies grew following infrastructure investment. The inference can be made that infrastructure investment plays a positive role in economic growth. Sub-Saharan Africa (SSA) is immensely well-endowed with natural resources yet is the poorest region in the world. Furthermore, SSA countries have similar experiences of public infrastructure investment, such as not having enough transportation infrastructure or the lack of an adequate power supply. Where public infrastructure exists in SSA can be described as ageing, decaying, inappropriate, incomplete or dysfunctional to some degree. The study conducted both qualitative and quantitative analyses to evaluate infrastructure investment in three SSA countries – Angola, Democratic Republic of Congo and Ghana – to determine what levels of investment, challenges and needs are currently experienced in private and public infrastructure investment in the region, particularly pertaining to transportation, energy and ICT infrastructure, and what factors may be influencing investors to avoid investing in SSA infrastructure. The research found that the DRC has the least infrastructure investment while Ghana is ahead of the three countries. The research also found that while Ghana is ahead of the three countries, its governance system is also better and is less corrupt compared to the other two economies with the DRC being at the bottom. As a result, infrastructure investment in SSA has fallen far behind its trading partners due to poor governance and corruption.
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    Social capital and developmental outcomes : a case study of black communities in Cederberg and Matzikama municipalities in the mid-2000s
    (University of the Western Cape, 2015) Bayat, Amiena; May, Julian; Ruiters, Greg; Marysse, Stefaan
    Transforming economic growth into tangible benefits for poor communities appears to have frustrated development practitioners and policy makers. Despite the net positive growth achieved between 1994 and 2014 the face of poverty and inequality remains largely unchanged in South Africa. In such circumstances there is a pressing need for scholars to rethink the social foundations of economic activity and policy (Chang, 2006; Fine, 2001, 2005). One specific line of enquiry that has attracted attention among economists (Stiglitz, 2000; Woolcock, 2001; Fine, 2001) is that of social capital. This thesis seeks understanding of the relationship between social capital and the socioeconomic advancement of poor African/Black residents, particularly those in rural municipalities where there is a lack of financial and other resources. With this in mind, Robert Putnam’s path-breaking theory will be reformulated to explore the relationship during the mid-2000s between social capital, trust, political participation and socioeconomic outcomes in two rural municipalities in the Western Cape province of South Africa, namely Cederberg and Matzikama. The research questions the adequacy of Putnam’s theory of social capital, arguing that it is conceptually simple and inadequate as a description of how membership in social groups (networks) lead to better socioeconomic outcomes in the context of marginal, rural African/Black communities residing in under-capacitated municipalities. The thesis argues that an alternative conceptual framework is required, capable of depicting the complexity of the social processes required to translate social group membership into tangible benefits for poor households, as an explanation of why African/Blacks in Cederberg experienced better socioeconomic outcomes than their counterparts in Matzikama.
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    Trends in Household Consumption Expenditure among the Six Geopolitical Zones in Nigeria
    (University of the Western Cape, 2018) Jibril, Ghazali Ado; Bayat, Amiena
    This study examined the trends in household consumption expenditure among the six geopolitical zones in Nigeria within the context of Engel's law of consumption. The study specifically set out to achieve the following objectives: to determine the trends in household consumption expenditure in Nigeria; to examine the food, health, education and non-food expenditures of households in Nigeria; to estimate the food share of total household expenditure through the estimation of the Engel curve for the six geopolitical zones of Nigeria; to determine if there are consumption economies of scale among households by estimating the Working-Leser form of the Engel curve; and, to examine consumption inequality among households in the six geopolitical zones of Nigeria. The study used the Nigeria General Household Survey data wave 1 (2010-2011) and wave 2 (2012-2013) to estimate the Working-Leser form of the Engel curve to determine households' budget share for food consumption and the scale of consumption among the six geopolitical zones in Nigeria. The study used the Gini coefficient to measure consumption inequality among and between the six geopolitical zones.