Investigating channels of cash circulation adopted by unbanked (African) migrants in Pretoria Central Business District (CBD)

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dc.contributor.authorMavodza, Emma
dc.date.accessioned2017-02-06T15:48:50Z
dc.date.available2017-02-06T15:48:50Z
dc.date.issued2016
dc.descriptionResearch Report submitted in partial fulfilment of the requirements of a Master of Arts Degree in Development studies by Coursework and Research Report. Faculty of Humanities, University of Witwatersrand 2016en_ZA
dc.description.abstractThis study explored cash circulation channels adopted by unbanked migrants in Pretoria Central Business District (CBD), South Africa. To understand the complex nature of cash circulation and the subjective practices of migrants, in-depth interviews were conducted with sixteen migrants selected through snowballing sampling. Collected primary data were analysed thematically, from particular to general themes depending on the responses provided by the informants. The study adopted the Sustainable Livelihoods Framework (SLF) as an analytical tool to show how in the face of structural and institutional barriers, unbanked migrants have the capability to adopt digital solutions and socially embedded channels which are more flexible and sustainable in their livelihoods. These include informal channels such as hawala, malaichas and digital solutions like Kawena and Mukuru. By using this framework, the report reveals what unbanked migrants are doing on the ground, what shapes adopted cash circulation processes and the resultant livelihood outcomes. The study aimed at contributing to previous research on money transfer mechanisms adopted by unbanked African migrants. The conclusion reached is that, by adopting various socially embedded cash circulation channels, unbanked migrants circumvent structural constraints and, by so doing, financially include more people who were previously excluded. Although the study was limited to a small sample, it raises strong implications for policy makers to look at the inherent strength of migrants as development actors. Findings from this exploratory study are critical in that they open new niches for research on migrants and financial exclusion in Africa and beyond.en_ZA
dc.description.librarianGR2017en_ZA
dc.format.extentOnline resource (vi, 136 leaves)
dc.identifier.citationMavodza, Emma (2016) Investigating channels of cash circulation adopted by unbanked (African) migrants in Pretoria Central Business District (CBD), University of the Witwatersrand, Johannesburg, <http://hdl.handle.net/10539/21896>
dc.identifier.urihttp://hdl.handle.net/10539/21896
dc.language.isoenen_ZA
dc.subject.lcshBanks and banking--Customer services
dc.subject.lcshLow-income consumers--South Africa
dc.subject.lcshForeign workers--South Africa--Finance, Personal
dc.subject.lcshFinancial services industry--South Africa
dc.subject.lcshInformal sector (Economics)--South Africa
dc.titleInvestigating channels of cash circulation adopted by unbanked (African) migrants in Pretoria Central Business District (CBD)en_ZA
dc.typeThesisen_ZA
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