Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk. Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks. Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management. The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.

Teaching you how to use online tools to reach your customers. In today's increasingly digital world, marketing is going online. From companies to individuals, people are seeking new and creative ways to promote their products and themselves in the virtual realm. Websites, email and social media are reaching out to customers at home, in the office or on the move, and finding ways to engage with them. The virtual world has many benefits, but not everyone is familiar enough with digital channels to use them to maximum potential. This is where e-Marketing in the South African context comes into play. This comprehensive book focuses on the critical issues associated with e-marketing in the South African context. It is written in an easy-to-read and practical fashion that will help readers grasp the relevant technologies and concepts presented in the book. And it provides a strategic perspective as well as metrics to help achieve the goal of successful e-marketing.

Developmental Psychology, second edition, provides a theory-driven approach to understanding development from two perspectives – psychoanalytic and cognitive. These two perspectives complement one another: a psychoanalytic focus is based on understandings of how the mind affects the development of personality, while a cognitive focus offers insight into the development of the mind. The third section of this book brings together thoughts on the South African context and how it impacts upon development.

Developmental Psychology is a broad and integrative introduction to developmental psychology for undergraduates, postgraduates and health professionals.

In today’s competitive retail environment, where new products are being introduced daily, how do you attract customer attention to your new product, and how do you manage its success? But equally important is the price. Just what is the science of pricing?

Product and Price Management recognises that a product manager needs to maximise the value of a product, oversee all aspects of a product line in order to deliver superior customer satisfaction, and coordinate production with an understanding of the market’s and customers’ needs, while simultaneously providing a long-term competitive advantage for the company. It also focuses on the basics of pricing and conveys the choices and strategies surrounding price in a concise and practical manner. South African examples help illustrate the discussions, and the topics have been updated to reflect the current realities of the markets.

How do you approach the functional areas of business such as human resources and finance? Do you know how to channel creativity and generate new business ideas? What do you, as an entrepreneur, need to know about ethical business practices and social responsibility?

Entrepreneurship & New Venture Management explains the theoretical aspects that should be considered when starting a new business venture and offers practical examples to place this theory into a real-life perspective.

The book covers vital elements of entrepreneurship such as how to write a business plan as well as other elements involved in running your own business venture such as financial planning and forecasting.

This edition of management for engineers, technologists and scientists is an introductory-level management textbook written specifically for those studying and working in an engineering discipline. It will be an invaluable tool for the existing or aspirant engineer and engineering manager. The text introduces the reader to management and related issues (for example law and economics), which are essential when dealing with customers, suppliers, contractors, accountants, lawyers, economists and managers, either inside or outside an organisation. This new edition has been substantially revised; it includes a new chapter on engineering ethics and professionalism as well as a workbook on CD.

Focus on Operational Management: A Generic Approach gives a general overview of management principles and the general management activities needed by the operational and first-time manager in the workplace today. These principles are important for the sustainability of an organisation.

The following topics are discussed:

• The new workplace environment
• The changing role of the operational and first-time manager
• Operational planning, operational decision-making and problem-solving, organizing operational resources, operational control and leadership
• Employment relations in the workplace
• Organisational culture, diversity management, business ethics, corporate social responsibility, organisational politics and change management in the workplace.

The pandemic that hit the world in 2020 has brought about many changes around the world. This has led to numerous changes in the world of business and new trends have emerged in the world of sales. Artificial intelligence became more prominent, the impact of videos increased and automation of sales processes became the order of the day.

One of the more noticeable sales trends that emerged in the past years is creativity. The business world changed and salespeople had to work harder to meet targets. This also led to more intense competition, which in turn, resulted in more innovative ways of doing business. Salespeople were forced to work smarter and not harder during these trying times. One of the cyber-age strategies focused on was the use of the Internet to drive sales. This, however, quickly became annoying to customers. To prevent this type of strategy from becoming an also-ran, it needs to be adjusted and adapted to be one step ahead. Creativity is called for in sales – not silliness!

It is clear that customer expectations of personal selling are constantly changing and that businesses must adapt to these changes. The days are gone where a business can tell customers what they want to hear; or will close a deal fast; or talk a lot to influence customers. Customers expect businesses to change the way they approach them.

In this edition of Personal Selling, the authors outline the key steps in the selling process that lead to a successful sale, from prospecting for a sale to the follow-up once the sale has been completed. In addition, it explains the role and place of personal selling, the impact it has on the economy and how it ties in with and supports marketing. The importance of communication in the act of selling, as well as different approaches and sales presentation methods, are explained and clarified, and a comprehensive discussion on how salespeople should manage themselves and their time is included.

This completely revised and comprehensive book deals with a range of issues, from the early history of social work, to working with individuals and small groups to contemporary debates around economic policy, and macro level intervention, management, administration, and research.

It also covers youth at risk, HIV/AIDS, child sexual abuse and addiction as particular fi elds of practice.

The text explores poverty, diversity and multicultural practice, values and ethics and theories for practice.

What purpose does Strategic Management serve in modern businesses? Why do different businesses have different strategies? Is traditional strategic thinking still relevant for today? This dynamic textbook looks at strategy from a local to a global level, and uses real-life examples of businesses and individuals to provide an up-to-date view of Strategic Management in the current economic environment. In this new edition of Strategic Management: Principles and Practice, Barry J. Witcher and Vinh Sum Chau offer a practical and thought-provoking analysis of what Strategic Management is and how it can be put to good use.

Labour Relations in Practice deals with the core labour and employment relations matters regularly encountered by labour relations and human resource officers, managers, union representatives, bargaining council functionaries and those in advisory services. Now in its fourth edition, it contains, inter alia, actual cases heard by the CCMA as well as the Labour Court legislation update to the end of 2022.

The topics covered include the following:

• The employment relation - a brief introduction
• The roles, rights and obligations of the various stakeholders in organisations
• The role of the State in the labour relationship and the legislation by which it attempts to regulate this relationship
• The role of collectives, such as trade unions and employer organisations, and the rights granted to them
• Legal requirements for fair recruitment practices
• Employment contracts
• The various Acts that affect labour practices, including affirmative action and skills development
• Conducting negotiations and dealing with employee grievances and discipline at the workplace, dispute settlement and fair dismissal practice
• The way forward in the employment relationship
• The text contains numerous practical examples, illustrative problems, actual court cases and scenarios

The legislative requirements and codes of good practice are explained in simple, accessible language. Examples of relevant policies are provided, and each chapter ends with a useful summary of the main learning points.

The third edition of Gerard Egan’s bestselling text has been thoroughly updated with the latest research to support today’s students in becoming effective helpers.

Using a practical three stage process, it engages with helpers to build their confidence and teach them how to tackle the variety of complex situations which they might encounter throughout their work.

The Skilled Helper integrates the most relevant aspects of different theoretical orientations (humanistic, cognitive, behavioural and solution-focused) into a pragmatic approach to helping.

Drawing from the combined experiences of Mike Peng and Klaus Meyer, International Business provides a comprehensive insight into contemporary business practices.

Covering recent global developments and current issues such as the COVID-19 pandemic, Brexit, the social and environmental impact of globalization and progress in responsible business practices, as well as the historical context of international business, this fourth edition highlights the complex nature of global business.

Barlow/Durand/Hofmann's Psychopathology: An Integrative Approach To Mental Disorders, 9th edition, is the perfect text to help you succeed in your psychopathology or abnormal psychology course!

The authors -- all internationally recognized experts in the field -- show you how psychological disorders are rooted in multiple factors: biological, psychological, cultural, social, familial and even political. Extremely student friendly, the text blends sophisticated research with an accessible, engaging writing style. Its groundbreaking integrative approach is the most modern, scientifically valid method for studying abnormal psychology.

Text language promotes inclusivity, normalizes diversity and avoids cultural, gender, economic and other biases. In addition, you can test your understanding of key topics with built-in concept checks and chapter quizzes.

This book explores theatre and performance as participatory research practices for exploring the everyday of the city. Taking an inner-city suburb of Johannesburg, South Africa as its central case study, the book consider how theatre and performance might be both useful practical tools in considering the everyday city, as well as conceptual lenses for understanding it.

The author establishes an understanding of space as ever-evolving and formed through the ongoing relationship between things, human and non-human and considers how theatre and performance offer useful paradigms for learning about and working with city spaces. As ephemeral, embodied, material artistic practices, theatre and performance mirror the nature of everyday life. The book discusses theatre and performance games and playmaking processes as offering valuable ways of discovering daily acts of place-making and providing insights that more conventional research methods may not allow. Yet the book also considers how seeing daily city life as a kind of performance, a kind of theatre in its own right, helps to further understandings of city spaces as ever evolving through complex webs of relationships.

This book will be of interest to academics, academic practitioners and post-graduate students in the fields of theatre and performance studies, urban studies and cultural geography.

Psychiatric disorders are important causes of disability and in developing countries healthcare workers at the primary level are increasingly required to deal with a wide range of psychological problems and psychiatric disorders. Primary Care Psychiatry aims to equip these workers with the basic information they need to identify and manage most of these problems, and offers guidelines on when and how to refer to more specialised levels of care. Now in its second edition, this well-respected text has been updated to include the latest diagnostic criteria from the Diagnostic and Statistical Manual (DSM-5 (TM)). The text follows a problem-based approach, is intended to be practical and accessible, and avoids academic jargon as much as possible. Ample use is made of case vignettes, personal accounts, tables, algorithms and summaries. It enables the reader to quickly grasp the core features of the problem and the priorities of management. The emphasis is on what is relevant to primary healthcare psychiatry in the southern African context, addressing the particular challenges faced by a developing and transforming society with limited financial resources.

Companies and other Business Structures in South Africa offers a clear and practical approach to the law relating to companies, close corporations, trust entities, partnerships and financial markets.

The fifth edition is comprehensively revised to address the extensive common law jurisprudence that has developed since the Companies Act 71 of 2008 was promulgated, and offers expanded commentary to support meaningful understanding and practical application of the legislative provisions and common law. In addition, the fifth edition offers a new chapter that discusses the obligations of business enterprises in relation to human rights.

Companies and other Business Structures in South Africa is suited as core course material for students of all disciplines, who are studying company law at undergraduate or postgraduate level. The text balances rigour and depth with accessibility, and offers a clear pedagogical structure that supports effective learning and independent engagement wi t h the subject matter. To support teaching and learning, teaching presentation and assessment materials are available to lecturers.

The book is also a useful resource for legal or accounting practitioners who may wish to engage with practical and current principles of the field.

A thorough understanding of the basics of marketing is essential for any marketing practitioner and student of marketing.

Marketing: An Introduction is a valuable tool which describes the foundational aspects of marketing and enables a basic understanding of this field. This book has a strong focus on the principles of marketing, the importance and use of social media, and the integration of marketing principles with other business functions. The book is written in an accessible style and is presented in an easy-to-understand format which makes teaching and learning about the principles of marketing much simpler.

The fifth edition of Beginner’s Guide for Law Students is a foundational text which introduces first-year law students to basic legal terminology and definitions; the South African legal system’s objectives, history and subdivisions; and legal research skills.

Students are introduced to the law as it stands, in accessible terms, with reference to the different sources of law and popular media, to demonstrate how the law affects the everyday lives of individuals and groups in South Africa. Without detracting from the book’s accessibility, students are made aware of the law’s complexity, contestability and uncertainties.

Beginner’s Guide for Law Students goes further in exposing students to critical voices on existing law and encourages students to start developing their own informed opinions about the legal system and what it can and cannot achieve in addressing South African problems today. Students are invited to continuously reflect on the implications of the ‘transformative’ Constitution of the Republic of South Africa, 1996 for the various dimensions of law. However, it is also shown that transformative constitutionalism is not the be-all and end-all of South African law, free from its own limits and criticism. As such, relevant 'decolonial’ critiques of transformative constitutionalism are explored.

This fifth edition of International Law: A South African Perspective is now titled Dugard’s International Law: A South African Perspective, in recognition of the fact that this work is a continuation of the earlier editions written by John Dugard.

The substance of the work has undergone major changes to take account of new developments both on the international legal scene and in South Africa. Dugard’s International Law: A South African Perspective presents a South African perspective of international law. The basic principles of international law are described and examined with reference to the principal sources of international law. This examination, however, takes place within the context of South African law.

South African state practice, judicial decisions and legislation on international law receive equal treatment with international law as it is practised and taught abroad.

First published in 1996, Workplace Law has become one of the most widely used and frequently quoted text books on South African labour law. This 13th edition has been revised and supplemented to incorporate the latest case law, as well as the latest amendments to labour legislation.

Workplace Law provides a complete overview of issues that have arisen and are likely to arise on the shop floor, in court and in arbitration proceedings – from unfair labour practices, through employment equity, dismissal and collective bargaining, to strikes. Students, HR and IR practitioners, lawyers, employers, employees and trade union officials will find this updated, comprehensive and reliable work a convenient and indispensable guide to a complex and fascinating area of law. Workplace Law is also available in electronic form in Juta’s Labour Law Library, where it is updated quarterly.

Practical guide to facilitating language learning 4estimulates creative thinking in the classroom and makes language learning fun. Students teachers will find guidance on creating interesting lessons for a multilingual environment and how to develop language confidence in their learners. Practical guide to facilitating language learning is aimed at English methodology or language methodology courses offered in BEd, BEd (Honours), ACE and PGCE qualifications as well as the professional teachers. It is designed to address all phases but it is particularly well suited to Intermediate and Senior Phase.

For over forty years, Management and Cost Accounting has helped learners master the intricacies of accounting through a successful blend of theory and practice.

The Student Manual is a practical companion to the corresponding South African edition, Management and Cost Accounting in South Africa, featuring a wealth of questions for each chapter topic which empower students to practise and reinforce key concepts of management and cost accounting using South African examples and currency.

The authors of this title adopt the value chain as a framework in order to help business students to visualise how the value chain works. New ground is broken in that management is not dealt with merely from a functional perspective. While the goal is to introduce undergraduate learners to the concept of the value chain, it is not, however, to offer a directory on the related literature.