The Nature of the Creditor-Debtor Relationship in South Africa

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dc.contributor.authorMoss, Vuyisani
dc.contributor.authorDincer, Hasan
dc.contributor.authorHacıoglu, Umit
dc.date.accessioned2014-06-27T05:53:48Z
dc.date.available2014-06-27T05:53:48Z
dc.date.issued2013
dc.departmentİstanbul Beykent Üniversitesien_US
dc.descriptionInternational Journal of Research in Business and Social Science IJRBS Vol.2 No.2, 2013tr_TR
dc.description.abstractThis article was a result of an investigation measuring the ‘Correlation between Borrower Education and Non-payment Behaviour in Low Income Homeowners in South Africa as the premise of the study and poor relationship between lenders and borrowers as the secondary proposition. The study was motivated by the high level of foreclosures for non-payment of mortgages in the Protea Glen area in Johannesburg, Gauteng, as reported by the Human Rights Commission Inquiry in 2008. In investigating this nonpayment behaviour the researcher employed largely quantitative instruments supplemented by qualitative methods. The study revealed interesting empirical findings that largely invalidated the founding hypotheses, despite existing theoretical frameworks - underpinned by various scholars - that sought to corroborate the hypotheses. The findings have however supported the premise that households reporting poor relationships with lenders were susceptible to non-payment behaviour. The rest of the secondary hypotheses were rejected by the empirical findings, viz. that there was no correlation between the level of formal education and non-payment behaviour; the link between propensity to default and the age of homeowners were also invalidated. From these findings, it can be demonstrated that there is a critical need for mitigating measures to remedy the identified shortcomings in this sector.en_US
dc.identifier.issn2147-4478
dc.language.isoenen_US
dc.publisherBeykent Üniversitesitr_TR
dc.relation.publicationcategoryMakale - Ulusal Hakemli Dergi - Kurum Öğretim Elemanıen_US
dc.subjectCredittr_TR
dc.subjectBankingtr_TR
dc.subjectFinancetr_TR
dc.subjectBorrowerstr_TR
dc.titleThe Nature of the Creditor-Debtor Relationship in South Africaen_US
dc.typeArticleen_US

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