http://hdl.handle.net/10311/11 Mon, 13 Jul 2026 05:10:34 GMT 2026-07-13T05:10:34Z 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. Fri, 01 May 2015 00:00:00 GMT http://hdl.handle.net/10311/2538 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. Fri, 01 Jan 2021 00:00:00 GMT http://hdl.handle.net/10311/2486 2021-01-01T00:00:00Z http://hdl.handle.net/10311/1154 A review of the literature on employee turnover Ongori, H. “Employee turnover” as a term is widely used in business circles. Although several studies have been conducted on this topic, most of the researchers focus on the causes of employee turnover but little has been done on the examining the sources of employee turnover, effects and advising various strategies which can be used by managers in various organisations to ensure that there is employee continuity in their organisations to enhance organizational competitiveness. This paper examines the sources of employee turnover, effects and forwards some strategies on how to minimize employee turnover in organisations. Fri, 01 Jun 2007 00:00:00 GMT http://hdl.handle.net/10311/1154 2007-06-01T00:00:00Z http://hdl.handle.net/10311/1084 Organisational conflict and its effects on organisational performance Ongori, H. The aim of this study was to find out the causes, types, effects and strategies on how to manage conflicts in organisations effectively to enhance organisational performance. Therefore, it is prime responsibility of management to put in place appropriate strategies on how to minimize conflicts. This research contributes to the body of existing literature, specifically it will inspire managers to develop appropriate strategies on how to manage conflicts in their organisations effectively. The convenience sample of one hundred and thirty managers was selected for the study from government departments, parastatals, and private companies. The tabular method was used to analyze the data. The findings indicate that the major cause of organisational conflict is limited resources. Thu, 01 Jan 2009 00:00:00 GMT http://hdl.handle.net/10311/1084 2009-01-01T00:00:00Z