http://hdl.handle.net/10311/7 2026-07-11T08:53:21Z http://hdl.handle.net/10311/2538 Consumer attitudes towards credit reference bureaus in Botswana: the effects of financial literacy, experience with credit reference bureaus and personal values Kabomo, Tsaone The aim of this study is to investigate consumer attitudes towards Credit Reference Bureaus and how financial literacy, experience with credit reference bureaus and personal values shape those attitudes. Using a survey, 315 questionnaires were collected and analyzed using various statistical methods from Statistical Package for Social Sciences (SPSS) version 22. Dimensionality and reliability were measured using Cronbach’s alpha and it was found that existing tools which had been used and tested before had high reliability in comparison to newly formulated tools. Perceptions were examined using Pearson’s correlation test and results showed consumer attitudes towards Credit Reference Bureaus were marginal. Perceptions on financial literacy constructs were generally low as well indicating low knowledge levels in financial matters. Using linear regression to test the hypothesis, consumer attitudes towards Credit Reference Bureaus were found to be rather neutral. Various personal values had an effect on consumer attitudes towards these institutions while others did not show any significant effect on attitude formation. Some constructs of financial literacy (money management, keeping financial records, financial involvement and financial knowledge) were found to have an effect on consumer attitudes. Furthermore no significant differences were found on gender and experience with neither Credit Reference Bureaus nor personal values. Significant gender differences were observed in financial literacy constructs Differences were measured using the T-test. This study concludes that consumers in Botswana generally have limited knowledge and experience on Credit Reference Bureaus hence the marginal attitudes observed. This has implications on general credit behavior. Creditors and Credit Reference Bureaus have a mammoth task to educate consumers on the role of credit reference bureaus in a credit market. This move will see creditors improving their credit performances and subsequently profit bottom lines and credit reference bureaus seen as partners in the credit markets by both creditors and consumers. Regulators should formulate credit policies and monitor trends on consumer credit behavior to protect the players in the credit market as well as ensure stability in consumer credit levels. Dissertation submitted in partial fulfillment of the requirements for the degree of Master of Business Administration. Kabomo, T. (2015) Consumer attitudes towards credit reference bureaus in Botswana: The effects of financial literacy, experience with credit reference bureaus and personal values. Faculty of Business, University of Botswana. 2015-05-01T00:00:00Z http://hdl.handle.net/10311/2486 Barriers of establishing profitable and sustainable pharmaceutical manufacturing firms in Botswana Molefi, Bohutsana Margaret Africa is believed to bear a very heavy burden of disease accounting for 25% of the world’s disease statistics (Owoeye, 2014) . Modern curative care is believed to depend on the availability of medicines (World Health Organization (WHO), 2013). The African continent (including Botswana) is however dependent on pharmaceutical imports. Shortage of medicines has resuscitated the discussion on the feasibility of local production (UNDP, 2013). The few firms that attempt pharmaceutical manufacturing in Africa however, continue to close. Factors that contribute to the closure of these firms have been investigated in some African countries, there is, however, a call to conduct feasibility studies and establish why pharmaceutical manufacturing is failing in Botswana (Mhamba & Mbirigenda, 2010; Naude & Luiz, 2013; UNDP, 2016b). The purpose of this study was to establish country specific reasons that contributed to the failure of pharmaceutical manufacturing firms in Botswana. An exploratory, cross sectional study was conducted amongst firms that operated between 1990 and 2015. Two (2) employees from management from each firm were purposely sampled. Respondents completed a questionnaire which was followed by a face to face interview. Employees from four (4) of the six (6) firms responded. The data was analysed using tables, graphs and bar charts using excel to establish patterns, frequencies, and averages. Factors that presented as major challenges were poor access to markets, lack of finances, inadequate infrastructure and unskilled labour. The market was characterized by pharmaceutical registration delays, poor procurement policies and an unsupportive business environment. The use of expatriate skilled labour was still rampant and local professionals had inadequate skills to operate successful firms. Public Private Partnerships have not been successful; however, financial institutions seem to be risk averse regarding investment in the pharmaceutical industry. This research calls for a review of policies to support profitable pharmaceutical manufacturing. A dissertation submitted to the Dept. of Management, Faculty of Business, University of Botswana in partial fulfillment of the requirement of the degree of Masters of Business Administration. Molefi, B.M. (2021) Barriers to establishing profitable and sustainable pharmaceutical manufacturing firms in Botswana, University of Botswana. 2021-01-01T00:00:00Z http://hdl.handle.net/10311/2022 5th international conference on business innovation and growth, 09 - 11 July (2019): Proceedings and book of abstracts Lenao, Monkgogi; Tlhomole, Alpheus; Gangappa, Kuruba; Monyake, Jane; Mudongo, Monkgogi The 2019 edition of the conference was themed; Business Innovation and Entrepreneurship: Accountability, Challenges and Competitiveness in Changed and Emerging Economies, and it attracted scholarship on a wide spectrum of topical issues ranging from Management & organization, Finance, Accounting & Taxation, Marketing, Tourism, Hospitality and Events Management, Information Technology & Innovation, Globalisation and Economic Sustainability, Knowledge Management and Innovation, Entrepreneurship and Innovation, Governance, Corporate Social Responsibility and Ethics and Business Education and Sustainability. The overarching objectives of the conference were to; • Provide a platform to debate on the challenges and competitiveness that changed and growing economies face today in relation to Business Innovation and entrepreneurship; • Reflect on future visions on achieving sustainable growth in these economies • Create an environment for learning and networking among delegates from educational institutions, government and non-government organizations and from small, medium and large Enterprises. The current volume carries all written material, including papers and abstracts, presented at the conference across the 3 days. The conference proceedings section of the volume carries 32 full papers, while the book of abstracts section contains 42 abstracts. All material in both sections were peer reviewed. The papers contained in these Proceedings emanating from efforts of multiple scholars across 10 countries around the world will hopefully benefit students, both developing and established scholars as well as business practitioners. The papers covered themes ranging from Marketing through Accounting & Taxation to Entrepreneurship and Innovation. The conference was officially opened by the Acting Vice Chancellor of the University of Botswana Professor Happy Siphambe and featured other key personalities including the key note speaker, Professor Suzan Marlow, from the University Of Birmingham, UK, as well as Regina Sikalasele-Vaka and Lorato Boakgomo-Ntakhwana from an entrepreneurial background. 2019-07-01T00:00:00Z http://hdl.handle.net/10311/1686 An exploratory factor analysis of older adults’ resistance to innovation adoption: a case study of University of Botswana Ifezue, Alexander Ngozi; Ama, Njoku Ola; Moseki, K. K. This paper analysed the resistance to innovation of a stratified sample of 279 staff members of the University of Botswana with the view to determine those factors that act as roadblocks, institutional barriers and boosters to innovation use in the university. Using an exploratory factor analysis (EFA) and multivariate binary logistic regression techniques, lack of innovation, perceived risks and institutional environment were identified as roadblocks/barriers to innovation use by the older adults (50 years and over). Access to computer and years of internet experience significantly, positively affected innovation use (p < 0.05, B>0). Training and motivation were also identified as factors that act as boosters to innovation use. The paper recommends for the designing of intensive training programme forthe older adults that is age-specific and which takes into consideration the existing skills in order to motivate them to use the innovations. 2016-10-01T00:00:00Z