MY PARENTS BUKELWA JOYCE AND ZOLILE NELSON LUZULANE WITH THEIR UNSELFISH SUPPORTAND LOVE THEY RENDERED TO ME. YOU ARE THE SOURCE OFMY INSPIRATIONAND HAD IT NOT BE YOU BE YOU I

My heartfelt and sincere gratitude to the all my Lord Saviourfor giving me the love and strength during the miserable days ofmy study. My Supervisor Prof. Rodney Haber: I thank youfor your constructive ideas, guidance, and encouragementfor always putting hope in me. I have to thank Mrs Pauline Adebayo: for your motherly support during the housing course I wish to express my thanks to all the people who have contributed to the manifestation and completion ofthis dissertation..:. To the intervieweesfor theirpatience in me, giving me support.:. To Frank in geography department in Natal University.:. To my family for their support, motivation and love in times ofsorrows.:. To Mr. Magebhula at Piesangs River and the members ofthe savings scheme.:. To Ms Heather Maxwell at CMDA.:. To Caterine Ndida for editing my work.:. To staffmembers at BESGfor giving me their documents.:. To all my friends for their unselfish support and being with me in all the ordeals of. creating this work.:. To my colleagues at Kokstad (Local Government and Housing) for their love and support..:. I also thank Khanyi Dudu, Bulelwa Magudu and James Dlaminifor their contribution to my work