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The term "Black Tax" refers to the perceived financial responsibilities that Black South African professionals feel obligated to meet in order to support their families. This complex socio-economic phenomenon traverses the nuanced relationship between cultural expectations and financial pressures. This research investigates the impact of socioeconomic background on the emergence and severity of Black Tax responsibilities among young professionals in rural Limpopo. A qualitative research design was utilised, characterised by exploratory inquiry. Data were collected through semi-structured interviews with five purposefully selected emerging professionals in rural Limpopo, who offered significant insights into the complex relationships among rural upbringing, financial advancement, and familial responsibilities. This research utilises the framework of Structural Functionalism to conceptualise Black Tax as a social mechanism that supports family stability and economic equilibrium in communities with insufficient formal support structures. The findings reveal contradictions between individual aspirations and collective expectations, especially as young professionals navigate the challenges of balancing personal development with familial obligations while addressing their own needs. This study critiques the simplification of Black Tax as solely a financial obligation, arguing that it is a complex socio-cultural phenomenon influenced by historical inequalities and the necessity for community survival. This research enhances discussions on class mobility, intergenerational obligations, and socio-economic dynamics in the post-apartheid context, providing a detailed understanding of the complexities involved in achieving success that cannot be exclusively linked to individual efforts. The research emphasises the necessity for cohesive financial literacy and community empowerment frameworks to align personal development with cultural responsibilities

This study conducts a thorough analysis of contemporary literature (2020–2025) regarding the impact of digital globalisation on educational inequality in South Africa's marginalised regions, focussing on the interrelated aspects of access, infrastructure, and pedagogy. This systematic literature review synthesises evidence from worldwide and South African contexts to demonstrate how enduring inequities in broadband access, affordability, and institutional capability hinder fair participation in digital learning. Rural provinces like Limpopo and Eastern Cape continue to be disproportionately impacted by inadequate connectivity, elevated data expenses, and insufficient teacher digital knowledge. The results reveal three primary themes: (1) physical and socio-economic obstacles to access, (2) infrastructural and institutional limitations, and (3) educational deficiencies stemming from culturally insensitive digital design. The paper presents a three-dimensional equity paradigm that integrates these domains to inform inclusive digital education policy. It advocates for infrastructure expansion, ongoing affordability initiatives, comprehensive digital literacy training, and legislative frameworks that incorporate equity criteria to guarantee that digital globalisation fosters change rather than exclusion within South Africa's educational system.

In any economy, Small, Medium, and Micro Enterprises (SMMEs) are essential for creating employment opportunities, which in turn help to eradicate poverty and high unemployment rates. Access to credit from several banks is essential for SMMEs to be sustainable. Since this finance is the lifeblood of these small businesses, its importance cannot be understated. Therefore, it was crucial for this study to assess the significance of the funding of SMMEs from banks and their impact on the sustainability of these small businesses. The research methodology used in the study was qualitative. SMMEs from different industries, such as agriculture, tourism, etc, and banking officials in the Vhembe District Municipality region made up the population used in this study. Ten research participants were chosen as a sample using stratified random sampling. Data was collected from the participants using an interview guide, and Atlas.ti was used for analysis. The results of this study revealed that the significance of financing SMMEs is grounded on job creation, poverty alleviation, and SMME development in the Vhembe district. The study also revealed that the funding assistance provided by banks provides the basis to develop their operations and enhance business sustainability.

Small-scale farmers in South Africa, particularly in Indigenous communities, continue to heavily rely on artificial farming, overlooking Indigenous agricultural knowledge. The key influence behind this is that the artificial farming practices have become more accessible than the Indigenous agricultural knowledge. This paper is aimed at understanding the economic viability of the Indigenous liquified manure for small-scale farmers while promoting the sustainable Indigenous agriculture within Indigenous communities. The paper is centred on addressing poor agricultural practice of the Indigenous liquified manure in establishing indigenous agriculture knowledge culture in rural communities in Vuwani. A sample of 18 participants consisting of 13 small-scale indigenous farmers, 3 traditional leaders, and 2 agricultural experts were drawn using purposive sampling from Vuwani rural communities. The qualitative semi-structured interviews and focus group discussions were employed for data collection and analysed using thematic analysis. The study unveiled that the Indigenous liquified manure contributes to the high produce of the indigenous crops that enables the Indigenous communities to economically sustain themselves. The findings further show that the practice of the Indigenous liquified manure is understood as an entrepreneurial opportunity to create job opportunities in the Vuwani.

This study aimed to explore the effects of uninhabitable off-campus residences on students’ health at the University of Venda. A qualitative approach was used for an in-depth subject approach. The phenomenological research design was used to understand the meanings of human experience regarding the research problem. Non-probability sampling methods and convenience sampling techniques were used to solicit participants. One-to-one semi-structured interviews were used to collect data. Thematic analysis was then used to analyse the data. The study discovered that some students who live in off-campus accommodation are subjected to unhealthy conditions, unsafe environments, and non-study conducive surroundings. The findings also revealed that these students end up being affected by both physical and mental illness. The unpleasant conditions in these facilities are perpetuated by the landlords’ ignorance and unwillingness to invest. Recommended means to deal with the uninhabitable residences include sufficient investment and regular monitoring of the facilities by the facilities’ owners, as well as ensuring cooperation between students, their representatives, and the landlords. Lastly, there is a need to orchestrate policy and interventions to ensure continuous consideration of students’ health, safety, and comfort of off-campus residing students.

The growing number of cybercriminals impersonating religious leaders and institutions for financial gain poses a serious threat to the integrity and economic security of religious groups, notably prominent Pentecostal ministries. This study thoroughly investigates and evaluates this phenomenon, focusing on cybercriminals' tactics, the scope of their actions, and the consequences for targeted religious communities and people. The study applies a complete desktop research technique to analyse hackers' use of religious leaders' identities for financial benefit, focusing on Pentecostal ministries. This strategy includes searching academic databases, reading cybersecurity and religious studies journals, and analysing documented cases. The findings show that cybercriminals are primarily driven by financial gain and use strategies including building phoney social media pages, phishing techniques, and compromising communication lines to impersonate religious groups and scam congregants. This study contributes to developing more effective defences against cyber fraud in religious contexts by evaluating religious institutions' responses and mitigation techniques, as well as law enforcement. This project intends to develop more effective techniques for preventing and combating cyber-fraud against religious bodies through an in-depth examination.

This study explores the impact of coparenting on child development and mental health in the Vhembe District Municipality, Limpopo Province, South Africa. The research aims to examine the relationship between coparenting quality and child development outcomes, with a specific focus on child mental health. A quantitative research design was employed, involving a sample of 150 parents or primary caregivers of children aged 5 to 18 years. The data was collected through questionnaires to assess coparenting dynamics, parenting styles, and child behavioural outcomes. The main findings of the study demonstrate that (i) cooperative coparenting relationships and positive parenting styles are crucial for promoting healthy child development and mental health outcomes, (ii) conflict in coparenting relationships is a significant concern, with a substantial proportion of participants reporting moderate to high conflict levels, and (iii) the coping mechanisms employed by parents and caregivers, such as talking to the child and encouraging physical activity, are effective in supporting child well-being. The study's findings have significant implications for practice and policy, emphasizing the importance of promoting healthy coparenting relationships, positive parenting styles, and effective coping mechanisms to support child development and mental health.

Unemployment and crime are complex socio-economic problem in South Africa that attracts excessive attention from researchers because they are crucial issues worldwide. Since 1990, unemployment has been a problem, and this escalated after the end of apartheid. This occurred due to South Africa’s economic struggles with low growth. Long-term unemployment is linked to frustration, alienation, and breakdowns in social cohesion, primary in poorer communities. This social strain fosters criminal behaviour largely because such individuals exert power or generate much-needed cash from these illegal activities. By virtue of the lack of formal avenues of employment, these people are thus easily recruited through criminal networks or gangs that offer money and social identity for illegal activities. This study aims to evaluate and analyse the impact of unemployment in instigating crime in South Africa. The problem the researcher is addressing results from the alarming increase in youth unemployment and its assumed link to criminal activities, especially in underdeveloped or rural areas in South Africa. The study adopted a mixed research methods approach. A purposive sampling and cluster sampling were used to select participants. The researchers used semi-structured interviews and questionnaires to collect data. Qualitative data was analysed using thematic analysis and quantitative data was analysed using Statistical Package for Social Sciences (SPSS). It is envisaged that findings of this study may be used in the design and implementation of strategies and programmes to reduce unemployment and crime in South Africa. Further, the researcher makes some recommendations pertaining to addressing and reducing the high rate of youth unemployment and crime.

The suppression of women’s human rights is a significant and growing issue in South African communities. This is due in part to the persistence of cultural practices that endorse gender norms and perpetuate inequality. Such practices have far-reaching consequences that impact women’s physical, sexual, economic, and social wellbeing, among other things. This study aimed to examine the impact of cultural practices on the violation of women’s human rights in South African communities. Specifically, it seeks to understand how such practices are perpetuated and reinforced by the local context, how they affect vulnerable groups, and what measures can be taken to combat their harmful effects. The study used a qualitative exploratory research design, using a desktop approach. This method allowed researchers to explore the issue comprehensively and gain insights into the experiences of women in South African communities. The data was collected through reviews of literature. The data collected was analyzed thematically, with codes and categories developed based on the literature review and the research questions. The study generated new knowledge and insights into the impact of cultural practices on the infringement of women's human rights in South African communities. The study’s findings made a significant contribution to the body of knowledge on the subject, expanding our understanding of the cultural, social, and economic factors that perpetuate gender inequality in South African communities. This study provided the government and policymakers, and communities to address the infringements of women’s rights.

Ndayo (guidance of children) processes were inherent in the way the Vhavenda families raised their children. Concomitantly, the ndayo phenomenon is attributable to well-mannered children.  Ndayo starts from the family through to the community context in the form of initiation schools that simultaneously serve as rites of passage. The initiation schools were run as a collaborative process between families and knowledgeable community figures, as well as the royal household to accommodate well-behaved children as part of society.  A qualitative theory-generative exploratory, descriptive, and contextual design was employed in this study. The study was conducted in two phases. Phase 1 entailed in-depth interviews with seven Vhavenda-speaking elderly persons who were from 60 years and above and who were community leaders known to have traditional programmes to pass on ndayo practices to Vhavenda children. The findings of Phase 1, together with the literature review were used to organise the conceptual framework for the revival of ndayo in Phase 2. This paper presents the conceptual framework that was validated by participants.  In presenting the proposed conceptual framework for the programme to revive ndayo, we start with outlining the reflective inputs of seven key informants about how ndayo processes were practiced in the olden days, followed by the current possibilities and possible challenges if the revival is to take place. We conclude by sharing our views about the importance of a collaborative process between mainstream schools and traditional schools and make recommendations that the ndayo content should be included in a collaborative curriculum development process.

The valuation of redeemable semi-annual and quarterly bonds is a specialised and contentious subject in finance. While instructing on this subject, students frequently pose the subsequent four enquiries: Which semi-annual discount rate do we use to discount the bond’s cash flows to arrive at its present value? What time frame is utilised to compute the present value elements for discounting the bond's cash flows? Do we obtain the identical bond value when assessing it from the views of the corporation and the investors? What is the appropriate discount rate for scenarios involving numerous discount rates from the present to the bond's maturity date? This study illustrates that the semi-annual and annual percentage rate (APR) yield to maturity (YTM) rates are the most appropriate discount rates for valuing redeemable semi-annual and quarterly bonds. The present value factors are calculated using the time interval period, not the actual years.  Assessing bonds from a company's standpoint by employing post-tax cash flows and discount rates results in an undervaluation of the bonds. The arbitrage-free valuation method is the most appropriate technique for assessing redeemable semi-annual and quarterly bonds. This method use various annual APR YTM rates derived from the bond's benchmark spot rate curve, valuing the bond as a collection of cash flows, with each cash flow treated as a zero-coupon bond. This allows each cash flow to be discounted at its specific discount rate

The sustainable growth rate of a firm's earnings and dividends is a critical component in the majority of prominent equity asset valuation models. The sustainable growth rate serves as an estimated proxy for a firm's long-term growth rate in earnings and dividends. The sustainable growth rate of a firm represents the maximum achievable and maintainable rates of earnings and dividend growth without resorting to external financing, assuming a constant capital structure and no introduction of new equity. The sustainable growth rate of a firm is characterised as the growth rate in dividends and earnings that can be maintained given a specific return on equity (ROE) and retention rate, provided that no new equity is issued and the capital structure remains constant. This paper presents a derived, discussed, and tested model for an alternative sustainable earnings growth rate, utilising the firm's current earnings per share (EPS), long-term book value per share (BVPS), and earnings retention rate. The model indicates that the firm can enhance its long-term growth rate by increasing its earnings per share (EPS) and retention rate, thereby augmenting its internal equity for financing growth opportunities.  

This paper investigated the financial management practices among Small, Medium, and Micro Enterprises (SMMEs) in the Thulamela Local Municipality using a qualitative approach. The research focused on a sample of forty-eight respondents from the informal sector, which was deemed representative of the SMME landscape.  Interviews were conducted with SMME owners, guided by an interview framework, and recorded for transcription and thematic analysis. Findings revealed that competition is perceived as the primary cause of business failures; however, inadequate financial management emerged as a significant underlying issue. The study emphasizes the urgent need for intervention from government, banks, and academic institutions to offer financial management training and improve access to funding for SMMEs. Recommended actions include the establishment of workshops and seminars designed to enhance financial literacy among business owners. Such training would provide them with essential accounting and budgeting skills, ultimately enabling them to meet loan requirements from financial institutions and reducing the risk of cash flow issues and business failure.

In the rapidly evolving landscape of contemporary business, Small, Medium and Micro enterprises (SMMEs) must adopt intelligent and strategic approaches to maintain their competitive edge. A significant method for achieving this is using Human Resource (HR) analytics, which enables organisations to make informed decisions based on data insights. By examining workforce patterns, companies can enhance recruitment processes, retain high-performing employees, and increase productivity. Nevertheless, numerous SMMEs face challenges in fully integrating HR analytics due to limited resources, insufficient expertise, and resistance to change, which complicates effective workforce management. This paper investigates how HR analytics can empower SMMEs to make informed, data-driven choices that fortify their operations. It aligns with Sustainable Development Goal (SDG) 8, which advocates for sustainable economic growth, productive employment, and decent work for all individuals. Through a systematic review of existing literature, this study assesses the advantages, obstacles, and best practices associated with implementing HR analytics in smaller enterprises. The results indicate that HR analytics can revolutionise personnel management within SMMEs, facilitating processes from selecting suitable candidates to forecasting employee turnover and enhancing overall workplace productivity. It offers actionable recommendations for SMMEs to adopt HR analytics, including using cost-effective digital tools, fostering a data-centric organisational culture, and investing in employee development.

Rural communities have tremendous difficulties in social justice and sustainable development due to the prevalent and ongoing nature of gender-based violence (GBV). This study aims to map sustainable GBV accountability ecosystems in the rural communities of the Vhembe district. The study seeks to discover the contextual elements, institutional mechanisms, and community dynamics that support long-lasting and sustainable response to GBV within the Vhembe District. Through in-depth interviews, the study gathered qualitative data using a qualitative research approach. The study engaged different stakeholders, including survivors, community leaders, law enforcement agencies, civil society, and government representatives, in order to get an in-depth understanding of the current GBV accountability structures and their sustainability. While a non-probability purposive sampling was adopted for the selection of the participants. Data was analysed using the Thematic analysis, with the assistance of Atlas TI Data software. The results of this study brought to light the complex issues that rural communities face in preventing GBV, which includes resource access issues, cultural norms, and weak institutional support. Moreover, the research has revealed the potential practices and community-driven initiatives that support sustainable accountability, including launching community-based support teams, establishing capacity-building programs, and stakeholders’ collaboration. The study findings will significantly assist the policymakers, practitioners, and researchers to develop targeted interventions and strengthen sustainable responses to GBV in rural communities of Vhembe district. Additionally, the ethical considerations were followed to protect the participants from any harm.

Substance abuse and mental health concerns are growing issues among high school learners in South Africa. The study aims to investigate the prevalence, correlations and consequences of substance abuse and mental health concerns in Limpopo province. The study draws on Denise Kandal's theory of Gateway to understand and explain the progression of substance use and abuse among youth being high school learners and identify at-risk individuals as well as develop targeted prevention programs. The study adopted a qualitative case-study research design involving Five learners from Grade 10 as participants. The findings of the study revealed that 62,3% reported substance use, with alcohol and cannabis being the most used substances. Additionally, less than 50% of learners are screened positive for mental health concerns, including depression, anxiety, and suicidal ideation. Notably, substance abuse was found to be significantly associated with mental health. The findings highlight the need for integrated prevention and intervention strategies addressing both substance abuse and mental health concerns in high schools. The study contributes to the understanding of co-occurring substance abuse and mental health concerns among high schools in South Africa. The findings emphasized the need for a comprehensive support system to address the issues and promote learner’s well-being.

This study explores the impact of women’s leadership and governance on stability and development in Limpopo province in South Africa, employing a qualitative research approach to provide a comprehensive analysis. Limpopo Province, with its complex socio-political landscape and historical context, presents a unique case for examining the role of women in leadership positions within both governmental and non-governmental sectors. The research integrates qualitative data to assess how women in leadership contribute to fostering stability, promoting socio-economic development, and influencing policy reforms. The qualitative component involves in-depth interviews and focus group discussions with women leaders, policymakers, and community members to gain insights into the strategies, challenges, and impacts of female leadership in governance. The findings showed that women in leadership positions have a positive influence on governance practices, social cohesion, and inclusive development, though challenges related to gender-based discrimination, political power dynamics, and institutional barriers remain significant. This study contributes to the broader discourse on gender equality in leadership, offering policy recommendations aimed at enhancing women’s participation in governance to achieve sustainable development and long-term stability in South Africa. Anti-discrimination laws must also be given top priority by governments and organizations, and prejudices in hiring and promotion procedures must be actively addressed.

This paper seeks to evaluate the progress that has been made towards achieving the NDP in post COVID-19 era. By bringing South Africans together, unleashing their energies, developing an inclusive economy, and strengthening the state's and leaders' capacity to collaborate on solving complex issues, the National Development Plan (NDP) aims to eradicate poverty and reduce inequality by 2030. The Plan's strategy centers on citizens taking an active role in their own development, a strong leadership across society that collaborates to solve issues, and a capable and developing state that can step in to address historical injustices. The Plan tackles the need to improve the state's capacity to grow more quickly, attract more workers, and boost living standards for everyone, especially the poor, as well as to improve the people's capacity to live the lifestyles they want. The COVID-19 epidemic has severely damaged an already damaged economy, which has impacted the NDP 2030's implementation. Both quantitative and qualitative research methods were employed in this study's mixed research technique. The mixed approach was chosen because it may be blended in a way that preserves the original procedures and structures of both quantitative and qualitative methodologies. Purposive sampling, a kind of non-probability sampling, was employed to obtain a suitable sample to accomplish the study's goal. Questionnaires and interviews were the two methods of data collecting that the researcher employed. The International Business Machinery (IBM): Statistical Product and Service Solution (SPSS) version 28.0 computer program was used to perform statistical analysis on the data gathered from the questionnaires. The results were displayed using graphical tabular form, frequencies, and percentages. The data collected through interviews were analysed through thematic analysis and presented in narrative form.

Increasing access to quality education in South Africa has led to a rise in enrollment by students from diverse backgrounds at higher education institutions. However, first-entering students transition from secondary school to higher education, and it is hypothesized that this will affect students psychologically, socially, and financially. Financially, many higher education students in South Africa rely on the National Student Financial Aid Scheme (NSFAS). This study investigates the relationship between students’ socioeconomic backgrounds and academic success at a South African university. A mixed-methods approach surveyed 74 first-year students in the Extended Curriculum Programme at the University of Venda, South Africa. Findings from regression and correlation analyses indicate that poor and low socio-economic backgrounds among Extended Curriculum Programme students significantly affect their academic performance and success. These findings challenge the notion that disadvantaged backgrounds necessarily hinder student achievement and emphasize the importance of creating an environment that supports students from all socio-economic backgrounds. Eight policy recommendations and strategies are provided to enhance student success and support for diverse socio-economic backgrounds in higher education institutions.

Poverty remains a pervasive global challenge, disproportionately affecting women, with profound implications for their well-being and that of their families. The aim of the study was critically examining the underlying factors contributing to the high incidence of poverty among women in Limpopo Province, South Africa. The primary concern of this study is the alarming prevalence of poverty among women in Limpopo, a situation that has far-reaching consequences for both individual lives and broader societal structures. By exploring the social, economic, and cultural dimensions that perpetuate poverty, this study seeks to contribute to the growing body of knowledge on poverty and gender inequality in South Africa. Through a qualitative research approach, the study identified key factors that exacerbate women's vulnerability to poverty, including gender-based violence, limited access to education and healthcare, and social exclusion. The sample for this study consisted of five women selected to explore the phenomenon of feminized poverty. The sampling procedure used in this research was based on a non-probability sampling technique, specifically purposive sampling. purposive sampling was used to select five women who had experiences of feminized poverty, understood as the disproportionate representation of women among the poor due to gendered social, economic, and political factors. The data was collected using Semi-structured interviews to get firsthand experience from women. The collected data was analyzed thematically. The researcher went through the data, coding the text, and classifying the codes into more general themes that correspond to the research objectives. The study's findings demonstrated that social isolation and restricted access to basic services exacerbate this vulnerability. The study also found that because women are routinely excluded from social support that might enable them to become economically independent or break free from poverty, this kind of exclusion perpetuates cycles of poverty. The findings offered valuable insights for policymakers to create sustainable strategies that support gender equality and alleviate poverty in the region.