The National Strategy on Financial Literacy: A Conceptual Review of South African Perspectives

The relevance of financial literacy in the lives of individuals has attracted several stakeholders from different parts of the world in the quest to provide the required financial knowledge for households to manage their financial wellbeing. Accordingly, previous studies show that financial literacy serves as a mechanism to enhance the ability of households to better allocate financial resources with regard to savings and wealth creation over their lifetimes in a world of uncertainty and imperfect insurance. Thus, this study provides a literature review on global initiatives, strategies and programmes on financial literacy as well the perspectives of financial literacy programmes in South Africa. As such, it is the objective of this study to ascertain from previous literatures the factors that hinders the smooth delivery of financial literacy programmes in South Africa. Thus, the researcher employed a descriptive literature review method to achieve this objective. The findings of this study identifies that there is a growing need for a continuous financial literacy campaign especially in South Africa as the aging populations are confronted with intensified pressure on standardised plan for future financial well-being. However, the challenges of financial literacy programmes in South Africa was ascertained which forms part of the factors that hinders smooth campaign of financial literacy programmes in South Africa. Hence, this study recommends practical intervention factors of financial literacy programme in South Africa, which is expected to assist policy makers in formulating the right financial knowledge delivery programmes in South Africa

Customer Service Expectations from South African Alcoholic Beverage Suppliers

To be successful in the current highly competitive market a South African alcoholic beverage supplying company (SAABSC) must guarantee customer service and service quality. As a means of differentiation companies have to focus their efforts on quality customer service. The purpose of the study is to measure the service delivery expectations and realisations of customers that receive delivery from SAABSC based on their geographical location. It required the implementation of a descriptive research method. The target population comprised customers of SAABSC situated in the Gauteng, Western Cape and North West Provinces of South Africa. The results from the study indicate that customers expect the SAABSC to deliver on all five service quality dimensions but fail to do so to their satisfaction. Recommendations on how to improve on these dimensions are given in the form of CRM strategies that SAABSC can implement. Ensuring that these recommendations are implemented will ensure a higher level of service quality and customer satisfaction. This should lead to increased customer retention, sales and profit growth, increased loyalty, the addition of new customers and overall better customer relationship

A Strategic E-Marketing Framework For Sport Mega-Events

This article reports on a study that was conducted which aims to understand the optimal usage of e-marketing in sport mega-events with reference to the 2010 FIFA Soccer World CupTM which was held in South Africa. A conceptual framework to optimally leverage e-marketing opportunities related to the hosting of sport mega-events was developed from the findings of this study. Building on an in-depth analysis of the contemporary literature on this very dynamic topic, as well as key lessons learned from an analysis of international case studies, primary research was conducted before and after the 2010 FIFA Soccer World CupTM, involving key stakeholders in the event and destination marketing sphere. Based on the preceding phases, the strategic framework that was conceptualised provides parameters and guidelines for the effective utilisation of e-marketing and e-marketing tools in future sport mega-events. Furthermore, 11 critical success factors (CSFs) were determined that should be considered when developing and implementing an e-marketing strategy for mega-events. In addition to adding value to the body of knowledge in this increasingly important sphere of tourism, recommendations regarding future research in this dynamic field of study are addressed

The passive protection of lambs against Clostridium perfringens type D with semi-purified hyperimmune serum

Weaned lambs, having a detectable level of maternal antibodies (1-2 units/ml) against C. perfringens type D, showed protective antitoxin levels lasting for 29 days after receiving a single parenteral dose of 200 units/kg hyperimmune serum. Lambs, having no maternal antibodies (<0,07 units/ml) to C. perfringens type D but receivIng the same dose of hyperimmune serum, maintained protective antibody levels for only 21 days. Three weeks after the titres fell below the minimum protective level of 0,15 units/ml, both these groups were treated again in the same manner. The passive immunity conferred in both groups now lasted for 42 days. When the hyperimmune serum was administered to lambs already immunized by vaccination, a slight increase was noted in the antibody titre.The articles have been scanned in colour with a HP Scanjet 5590; 600dpi. Adobe Acrobat XI Pro was used to OCR the text and also for the merging and conversion to the final presentation PDF-format.lmchunu2014mn201

Die rol van die Saamwerk-Unie in die beslaggewing van Afrikaanse taaleksamens in Natal, 1917-1928

The role of the Co-operative Union in establishing Afrikaans language examinations in Natal, 1917-1928 This article deals with the role of Afrikaner Nationalists who had striven to develop the selfassertiveness of their compatriots by means of promoting Afrikaans. Their attempt was aimed at obtaining an equal position to the deeply-rooted British tradition in Natal. The Co-operative Union (“Saamwerk-Unie") consequently had taken up position in the midst of the language problems. The Union made a deliberate attempt at promoting the development of Afrikaans by means of establishing the first language examinations in Afrikaans. This examination system evoked greater interest with every passing year and resulted in a clash between the Co-operative Union and the South African Language Union. The Language Union, with its Dutch language examinations, was the embodiment of the Dutch influence, while the Co-operative Union promoted Afrikaans at grass roots level. A compromise between the two organisations thus had to be made. A joint Examination Commission was therefore established in 1928. Consequently, the new cultural pattern which had been launched by the Co-operative Union was acknowledged in the ranks of the Afrikaner

THE IMPACT OF DIGITAL DISRUPTION ON THE MARKETING AND ADVERTISING FUNCTIONS

Purpose of the study. The introduction of digital technology to the broader marketing and advertising landscape has brought about many changes to the marketing and advertising functions which are making organisations to rethink their business models and invest in new capabilities. This study was conducted to explore the impact of digital disruption on the marketing and advertising functions and provide recommendations on how to retool for the digital age.Method/Design. A qualitative study was conducted, and a non-probability, simple random, judgement sampling approach was followed. The study took the form of semi-structured interviews with practitioners from marketing, advertising, media, production and regulatory bodies.Results. The main fi ndings indicated that digital disruption has redefi ned the marketing and advertising functions. Digital technology is exposing the shortcomings of existing business models as well as traditional media platforms like television. New capabilities are required in order to meet the needs of digitally savvy consumers and to stave off competition from new agile technology savvy competitors.Limitations. Further research is required to explore the impact of digital disruption to on organisational culture.Contribution of the study. This study sheds much-needed light on the impact of digital technology on the respective fi elds of marketing, media and advertising; and expounds the evolution that advertising and marketing organisations and practitioners need to undergo to remain viable in the digital ageIBC NW

Competitiveness of Botswana as a Tourist Destination

Abstract The tourism industry continues to play a critical role in the development of global national economies. Furthermore, it is one of the fastest growing industries in the world and future prospects of its growth remain positive (WTTC 2012). Though Botswana is the third most popular travel destination in Southern Africa it seems there is a gap in understanding the balance between the demand and a problem in understanding the concept of marketing of tourism within the Botswana tourism industry (Morupisi 2017; Pansiri, 2014). The purpose of this study is to develop a suitable tourism competitiveness model to enhance global competitiveness of the Botswana tourism industry by adopting a mixed methods approach. The sample population will consist of stakeholders in the tourism industry such as hotel and lodge management and owners, the Ministry of Environment, Natural Resources Conservation and Tourism, Department of Tourism, Hotel and Tourism Association of Botswana, and tourists visiting Botswana for more than 2 nights. Data is gathered through structured questionnaires and personal interviews. The research adopts a post- positivism paradigm utilising both qualitative and quantitative approaches. The study is ongoing, and when completed a destination competitiveness model for Botswana as a tourist destination will be presented. The study is an extraction of my Phd proposal and therefore the study is ongoing. Keywords: Destination Competitiveness, Destination Marketing, Tourism industry

THE FACTORS AFFECTING THE ADOPTION AND IMPLEMENTATION OF E-MARKETING AMONGST FMCG RETAILERS IN ZIMBABWE

FMCG retailers in Zimbabwe have been slow to embrace and adopt new technology in their marketing eff orts, as they still mainly focus on traditional marketing strategies (Dube & Gumbo 2017) This however did not stop internationally recognised e-commerce giant, PayPal, entering into the Zimbabwean market after establishing that the Zimbabwean economy had the potential to embrace new technology eff ectively. Given this, most of the Zimbabwean populace now can purchase goods online from more than 203 countries, using Pay Pal (Baten & Kamil, 2019). The growth of the number of internet transactions indicates that Zimbabwe is becoming more open to online transactions. Be that as it may, the FMCG retailers in Zimbabwe have not embraced this opportunity (Dube & Gumbo 2017). Tengesa.com, an e-commerce website, experienced a premature failure before it was commercially launchedInternational Business Conferenc

Service expectations from high- and low-volume customers in the alcoholic beverage industry

Orientation: South Africa has a highly competitive alcoholic beverage market. All role players in this market place a huge emphasis on service delivery and customer service. Research purpose: This research study investigated the relationship between the volume a customer buys from an alcoholic beverage supply company and what influence this volume has on their customer service expectations. Motivation for the study: The main purpose of this study was to evaluate what influence the volume an organisation buys from alcoholic beverage suppliers has on their service quality expectations. Research design, approach and method: A non-probability judgement sample method was used, with a sample size of 220 respondents. The questionnaire requested respondents (high- and low-volume) to rank their customer service expectations and opinions with reference to Parasuraman’s service delivery dimensions. Ranking was done using a five-point Likert scale. Main findings: The findings of the study indicated that both the high- and low-volume customers felt that alcoholic beverage supply companies had to deliver on all five service delivery dimensions but failed to do so to full satisfaction. Practical and managerial implications: It is recommended that the alcoholic beverage supply companies should address the problem areas identified in this study to avoid defection of customers. Contribution and value add: This may assist alcoholic beverage supply companies to better understand the customers’ demographic profiles. The study also revealed that the satisfaction level experienced by customers in both sections of the study (high- and low-demand), with a considerable gap between expectations and opinions within the empathy dimension