Nyanchama, Arisa Linet2020-09-172020-09-172019https://hdl.handle.net/10539/29686A thesis submitted in fulfilment to the degree of Doctor of Philosophy to the Faculty Commerce, Law and Management, in the School of Economic and Business Sciences University of the WitwatersrandAdequate financing both to individuals and firms is very important since it spurs the development of a productive private sector, which creates employment opportunities and increase tax contribution for public investment, thereby promoting growth and development.enThesis