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All Journal International Journal of Environmental, Sustainability, and Social Science
MSOMI, Thabiso Sthembiso
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Economics, Econometrics & Finance Environmental Science Social Sciences

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The Relationship Between Macroeconomic Factors and Profitability of Reinsurance Companies in Africa: An Application of System GMM-Model NZUZA, Zwelihle Wiseman; MSOMI, Thabiso Sthembiso
International Journal of Environmental, Sustainability, and Social Science Vol. 4 No. 5 (2023): International Journal of Environmental, Sustainability, and Social Science (Sep
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v4i5.768

Abstract

Despite the known strengths of the reinsurance companies to generate immense profits, evidence from existing literature indicates that the future of the reinsurance companies needs to be more robust to economic deficiencies leading to underperformance. There are many possible factors behind this. However, this study aimed to determine the relationship between macroeconomic factors and the profitability of African reinsurance companies with a Generalized Method of Moments (GMM) model. The study used 121 listed reinsurance companies from 48 African countries using secondary data from year 2008 to 2019. A 1452 observation panel data set was analyzed using conventional least squares and two-step System GMM estimators. The study revealed that GDP, interest rate, and the exchange rate positively impact profitability. In contrast, the inflation rate and money supply revealed a negative and negligible impact on profitability. The input of this research resides in providing new evidence on the macroeconomic factors influencing the profitability of listed reinsurance companies in Africa.
Challenges of Women Entrepreneurship and Empowerment in South Africa: Evidence from Rural Areas NHLEKO, Mary-Ann Nokulunga; MSOMI, Thabiso Sthembiso; OGUNSOLA, Sijuwade Adedayo
International Journal of Environmental, Sustainability, and Social Science Vol. 4 No. 5 (2023): International Journal of Environmental, Sustainability, and Social Science (Sep
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v4i5.796

Abstract

This study aims to identify impediments to expanding women-owned businesses in rural areas of South Africa. The study used a quantitative research method to collect data. The study concentrated on 250 female business owners in the rural communities of Hluhluwe, Ulundi, and Eshowe in northern KZN. The study found that the main obstacles to expanding women-owned businesses in rural areas were financial constraints, a lack of education, and inadequate infrastructure. However, these difficulties experienced by women business owners in rural South Africa can be conquered. Overcoming these obstacles could empower women entrepreneurs and stimulate economic growth in rural areas, thus reducing poverty and enhancing the living standards of rural communities. Based on these findings, the study recommends various interventions, such as alternative financing models, targeted education and training programs, and infrastructure development, to support the growth of women-owned enterprises in rural areas. Future research should examine additional issues such as cultural and social hurdles, a lack of access to markets and information, and legal and regulatory restrictions that impede the establishment of women-owned businesses in rural areas.
Factors Affecting Small and Medium-Sized Enterprises Financial Resilience Post Covid-19 Pandemic in South Africa MSOMI, Thabiso Sthembiso; ZUNGU, Sphesihle Charles
International Journal of Environmental, Sustainability, and Social Science Vol. 4 No. 6 (2023): International Journal of Environmental, Sustainability, and Social Science (Nov
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v4i6.882

Abstract

This research paper aims to investigate the factors influencing the financial resilience of SMEs in South Africa in the aftermath of the COVID-19 pandemic. The study focuses on three primary factors: access to loans, the interest rates applied to these loans, and the structure of repayment plans. To achieve this purpose, a quantitative research methodology, guided by the positivism philosophical framework, was employed. The research selected 310 respondents who were SME owners representing various sectors. The data collection and analysis methods primarily involved multivariate regression analysis. The research revealed that access to loans, interest rates on loans, and the design of repayment plans exerted positive and statistically significant effects on the financial resilience of SMEs in the post-COVID-19 period. These factors displayed probability values of 0.005 and absolute values of 0.448, 0.456, and 0.432, respectively. These findings underscore the crucial role of these factors in determining the financial stability of SMEs. The study's implications are twofold. First, it suggests that financial institutions should streamline the process for SMEs to access financing, making it more accessible and accommodating. Furthermore, these institutions should tailor loan repayment options to better align with the unique needs of SMEs. Second, the research underscores the importance of offering financial education and support services to assist SMEs in enhancing their financial management skills and adaptability within the post-pandemic economic landscape.
Co-Authors NHLEKO, Mary-Ann Nokulunga Nzuza, Zwelihle Wiseman OGUNSOLA, Sijuwade Adedayo ZUNGU, Sphesihle Charles