First and for most I would like to thank God for giving me strength, courage and wisdom to carry out this dissertation. To my supervisor, PS Robinson, thank you very much for your constructive criticisms and advices. Without you this work would not be possible. I would also like to thank people of Umsinga and all the people interviewed for their time. To my family, especially my parents, Japan and Doris Khoza, thank you for the sacrifices you made for me and the faith you have in me. To the Town Planning class, especially my friend Lihlez, 'ngiyabonga ' for the role you played throughout the degree. To Mbongeleni, thank you for your time, input and support. I dedicate this work to my son, Seluleko Mthunzi Ndlovu, who came in the m...