이 논문은 네팔의 Tanahun지구 Vyas지역에서의 노동이주가 왜 나타났고 어떻게 남겨진 가족들과 커뮤니티에 변화를 이끌어 냈는지 조사하였다. 본 논문에 필요한 정보를 취득하기 위하여 눈덩이 표집 방법을 이용하여 샘플링된 175개의 이주가정들을 대상으로 인터뷰를 시행했다. 송금에 관한 심층적 정보와 송금과 남겨진 구성원들의 사회적 변화 관계를 알아보기 위하여 관심 집단 토론과 주요 인터뷰를 시행했다. 송금의 영향력을 알아보기 위하여 기술 통계와 추론 통계를 시행하였다. 본 논문은 송금이 개인이주자들과 뒤쳐진 가계의 사회·경제적 조건에 긍정적인 영향을 미친다는 사실을 발견하였다. 이주 가정의 경제적 지위향상, 가계들의 커뮤니티 발전 활동 참여, 그리고 가계의 사회조직 참여는 이주 가정의 사회·경제적 지위에 일반적으로 긍정적인 변화를 이끌었다. 커뮤니티 단위에서의 삶의 조건, 사회변화 그리고 발전의 다른 부분에 영향을 미치는 이주 잠재력은 기존의 권력구조에 의해 만들어지고 제한된다. 송금이 표본의 사회·경제적 조건에 미치는 영향력은 상당한 것으로 나타났다. 가계의 지위는 이주 후가 이주 전보다 나은 것으로 인식되었다. 최종적으로 가계설문조사를 위해 이주 가족 구성원이 있는 175가구를 선정하였다.

Purpose - The study investigates the obstacles faced by small business owners (SBOs) in accessing finance in the Buffalo City Metropolitan Municipality. The study aims to identify the causes of inaccessibility to finance for SBOs, investigate the role of government agencies in supporting SBOs, assess the extent to which banks support SMMEs, and suggest solutions to ease the challenge of inaccessibility of finance. Research design, data, methodology -We used a triangulation research design, wherein SMME owners and managers in the Buffalo City Metropolitan Municipality were the target population. We used simple random sampling techniques to select respondents, and conducted in-depth interviews to collect qualitative data. Results - We analyzed quantitative data using descriptive statistics, Chi-square tests, and factor analysis. The qualitative data was analyzed using content analysis. The study identifies and discusses the obstacles in accessing finance; the main among which are the lack of collateral security, poor business plans, lack of knowledge, and lack of financial deposit. Conclusions -We urge the banks, government, and government agencies to support the SMME sector, for it remains the economic engine of many African countries and helps in reducing the impact of socio-economic challenges, like unemployment and poverty.

Purpose - The study investigated the obstacles to accessing finance by small business operators in the Buffalo City Metropolitan Municipality. The objectives of the study were to identify the causes of inaccessibility to finance by small business operators, to investigate the role of government agencies in supporting small business operators, to assess the extent to which banks support SMMEs and to suggest solutions to ease the challenge of inaccessibility of finance by small business operators. Research design, data, methodology – Triangulation research design was used in this study. SMME owners and managers in the Buffalo City Metropolitan Municipality were the target population. Simple random sampling technique was used to select respondents. In-depth interviews were conducted to collect qualitative data. Quantitative data was analysed using descriptive statistics, Chi-square test and factor analysis. Qualitative data was analysed using content analysis. Results - Obstacles to accessing finance were identified and discussed. Lack of collateral security, poor business plans, lack of knowledge and lack of financial deposit are some of the main factors identified. Conclusions - The banks, government and government agencies are urged to support the SMME sector for it remains the economic engine of many African countries. This sector also helps in reducing the impact of socio-economic challenges like unemployment and poverty.