I am eternally grateful to the Almighty God, for the grace to finish this research project and the due completion of my MSc programme.
I gratefully acknowledge the invaluable help of my supervisor, DR. Evagelos Korobilis-Magas. For his patience, assistance and direction to see this dissertation to its final completion. I owe to you this success.
I am deeply indebted to my parents, for giving me the basis and opportunities I had in life. Ke a leboga Mama.
I would like to thank my sister Molly and my brother Nkgotla, for their endless love, advice and support. I also want to thank my cousins, Gorata and Mookamedi – I appreciate your messages.
Finally, I would like to thank all my research respondents; this research would not have been possible without their cooperation.
I dedicate this research study to the memory of my blessed Father. I will continue to make you proud.

