South Africa abandoned its apartheid system in 1994, which enabled the country to be integrated into the global economy. Due to the lack of global competitiveness, between 70 and 80% of start-ups fail within five years (Goosain, 2004:23). People lost their jobs and the unemployment rate...

This dissertation is based on the hypothesis that a third dimension, namely investmenttime horizon, can add value to the more conventional two-dimensional methodologyof assessing the relative risk and return attributes of various assets and portfolios inorder to enhance investment decisions.This...

A retail pharmacist who wishes to ensure the long-term survival of his or her business in a free enterprise system must make the pharmacy's profitability the prime objective. In South Africa, the profitability of retail pharmacies and, thus, of their continued operation, are threatened by...