On the one hand, there is a need for higher academic skills and increasing technological expertise to respond to the demands of this increasingly technology driven world, yet, on the other hand, there is a need for more broad-based management of training, which would assist to develop a variety of skills such as customer care, financial management, procurement and logistics, labour relations, project management and general management. There is a growing shortage of the abovementioned skilled labour in all sectors of the public service because of the inadequacies of on-the-job training, off- the- job training or job enrichment programmes which makes it difficult to attract and retain qualified personnel Coetzee, 2001:425).

The demise of apartheid and the advent of political democratisation in South Africa have resulted in trading and opening of diplomatic relationships with countries that previously avoided this country. In the light of this development, South Africa is confronted with the challenges of globalisation in particular, public human resource management. It is essential for employees in the public service to possess skills and expertise such as customer care, financial management, procurement and logistics, labour relations, project management and general management, in order to cope with demands of globalisation in order to provide an effective and efficient public service delivery.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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