Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households

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dc.contributor.advisorChigada, Joelen_ZA
dc.contributor.advisorPillay, Pragasenen_ZA
dc.contributor.authorLappeman, Jamesen_ZA
dc.date.accessioned2017-08-18T14:15:50Z
dc.date.available2017-08-18T14:15:50Z
dc.date.issued2017en_ZA
dc.description.abstractThis exploratory study investigated changes in the allocation of household expenditure between various product or service categories in a sample of South African low-income or 'bottom of the pyramid' (BoP) households. First, the mixed methods research quantified the monthly income and expenditure fluctuations in the sample of households over a period of four months. In addition, study identified and quantified expenditure category trade-offs in the target households. Finally, a qualitative inquiry explained the reasons for the fluctuations and the trade-offs identified in the first two components. The study was based on the existing BoP proposition and specifically focused on BoP consumer decision-making theory. Methodologically, the study was a monthly longitudinal panel over four months. The quantitative component employed a once-off baseline questionnaire to gather household data. The participating households then completed monthly self-complete financial diary questionnaires that recorded both income and expenditure. The qualitative component involved interviews with representatives from the participating households and provided details to explain the underlying causes for changes in monthly expenditure patterns. The study was conducted in four provinces with eighty BoP households participating in the research. The study found significant variation in both household income and expenditure between months. The variation and consequent trade-offs between expenditure categories was caused by calendar-related phenomena (such as the festive season), income shocks, unforeseen expenses and spreading the household budget over multiple months. In addition, large fluctuations in income resulted in a constantly shifting allocation of expenditure to categories that required the most attention at a particular point in time. Informal savings (stokvels) and micro-enterprise expenses also contributed to fluctuations in income and expenditure. This study provides unique insights that fill a vacuum in the current body of academic and industry knowledge for this segment of close to forty million BoP South Africans. No study of this nature has been published in either South African or international journals.en_ZA
dc.identifier.apacitationLappeman, J. (2017). <i>Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households</i>. (Thesis). University of Cape Town ,Faculty of Commerce ,School of Management Studies. Retrieved from http://hdl.handle.net/11427/24900en_ZA
dc.identifier.chicagocitationLappeman, James. <i>"Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households."</i> Thesis., University of Cape Town ,Faculty of Commerce ,School of Management Studies, 2017. http://hdl.handle.net/11427/24900en_ZA
dc.identifier.citationLappeman, J. 2017. Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households. University of Cape Town.en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Lappeman, James AB - This exploratory study investigated changes in the allocation of household expenditure between various product or service categories in a sample of South African low-income or 'bottom of the pyramid' (BoP) households. First, the mixed methods research quantified the monthly income and expenditure fluctuations in the sample of households over a period of four months. In addition, study identified and quantified expenditure category trade-offs in the target households. Finally, a qualitative inquiry explained the reasons for the fluctuations and the trade-offs identified in the first two components. The study was based on the existing BoP proposition and specifically focused on BoP consumer decision-making theory. Methodologically, the study was a monthly longitudinal panel over four months. The quantitative component employed a once-off baseline questionnaire to gather household data. The participating households then completed monthly self-complete financial diary questionnaires that recorded both income and expenditure. The qualitative component involved interviews with representatives from the participating households and provided details to explain the underlying causes for changes in monthly expenditure patterns. The study was conducted in four provinces with eighty BoP households participating in the research. The study found significant variation in both household income and expenditure between months. The variation and consequent trade-offs between expenditure categories was caused by calendar-related phenomena (such as the festive season), income shocks, unforeseen expenses and spreading the household budget over multiple months. In addition, large fluctuations in income resulted in a constantly shifting allocation of expenditure to categories that required the most attention at a particular point in time. Informal savings (stokvels) and micro-enterprise expenses also contributed to fluctuations in income and expenditure. This study provides unique insights that fill a vacuum in the current body of academic and industry knowledge for this segment of close to forty million BoP South Africans. No study of this nature has been published in either South African or international journals. DA - 2017 DB - OpenUCT DP - University of Cape Town LK - https://open.uct.ac.za PB - University of Cape Town PY - 2017 T1 - Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households TI - Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households UR - http://hdl.handle.net/11427/24900 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/24900
dc.identifier.vancouvercitationLappeman J. Monthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid households. [Thesis]. University of Cape Town ,Faculty of Commerce ,School of Management Studies, 2017 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/24900en_ZA
dc.language.isoengen_ZA
dc.publisher.departmentSchool of Management Studiesen_ZA
dc.publisher.facultyFaculty of Commerceen_ZA
dc.publisher.institutionUniversity of Cape Town
dc.subject.otherBusiness Scienceen_ZA
dc.subject.otherMarketingen_ZA
dc.titleMonthly expenditure category fluctuations and trade-off in South Africa bottom of the pyramid householdsen_ZA
dc.typeDoctoral Thesis
dc.type.qualificationlevelDoctoral
dc.type.qualificationnamePhDen_ZA
uct.type.filetypeText
uct.type.filetypeImage
uct.type.publicationResearchen_ZA
uct.type.resourceThesisen_ZA
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