A fundamental idea of this study was that the formal financial institutions have an essential role to play in the process of assisting financial inclusion of South Africa's low income and under-banked consumers. Financial inclusion is important for consumers to have access to affordable basic financial products and services. An increase in the number of financially included consumers is important for growth of home ownership, positive savings habits among low income consumers and mitigating risks with insurance products. Consumers have access to financial products and services but are not equipped with the basic knowledge to fully benefit from the use of these financial products and services. As a result, the construct of financial inclusion and the measures being taken by South African financial institutions to optimise financial inclusion was investigated in this study. There is a broad consensus that under-banked consumers face a myriad of factors that may prevent them from having effective access and usage of banking products and services. The effective usage of banking products and services not only promotes an inclusive society but also consumers' ability to take full advantage of the benefits of having access to suitable financial products and services. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. The influence of these factors on the usage of banking products and services by low income and under-banked consumers was under investigation in this research study. To achieve this, the researcher identified a number of factors that have a relationship with usage. These include Financial Awareness, Trust, Fees, Simplicity and Appropriateness of banking products and services. Consumers' usage of banking products and services were tested using primary data collected from low income and under-banked consumers in the NMB. This study only focused on five influencing factors. The investigation of other possible factors contributing to the usage of banking products and services is necessary. Making use of a larger sample and an improved model with other pertinent influencing factors might bring to light the significant factors involved in the decisions made by consumers in the usage of banking products and services. The significant factors presented in this study reveals that of the five proposed relationships, only two were found to be significant (Financial Awareness and Appropriateness). The findings of the study show that the usage of banking products and services can be increased through increased Financial Awareness about various available banking products and services, changing the unrealised need of the consumers into a realised need for banking and providing affordable products and services for various sections of the population. Appropriateness also reported a positive significant influence on Usage. This means that consumers are likely to access their bank account at different locations. With banking institutions offering products and services that meet their needs, consumers can achieve their financial goals and improve lifestyles by doing all transactions via the bank account and having more control over their personal financial affairs. Recommendations where suggested based on the empirical results to help improve the banking institutions ways of attracting and retaining consumers to effectively use their products and services. It was recommended that banking institutions should tailor their marketing campaigns towards low income and under-banked consumers in order to improve the level of financial awareness of consumers about banking products and services they consume. Seek to improve their communications strategies by adopting techniques that effectively transmits their ideas between the banking institutions and low income and under-banked consumers. And also focus should be on the creation of innovative design systems to ensure that banking products and services will effectively address the needs of low income and under-banked consumers.

Health is a basic human right enshrined in the South African Constitution. It is the responsibility of government to ensure that the nation is healthy because good health is a prerequisite for social and economic development as well as an outcome of that process. Special attention on the healthcare needs of rural communities should be given because these communities were the worst affected by the legacy of the apartheid regime. Moses Mabida community is no exception. Since the advent of democracy, work has been done to ensure that adequate primary health care services are delivered to previously disadvantaged communities such as Moses Mabida. To monitor progress on health care service delivery, evaluation of these services is needed. The evaluation of these services will help identify the strengths and weaknesses so as to come up with quality improvement strategies, hence this study. This study takes form of an assessment survey involving a literature review and a survey of members of the Moses Mabida community who depend on the clinic for their health care needs. The literature identified best practice models of primary health care and these were used as an analytic tool to determine to what extent the primary health care services at Moses Mabida comply with national and international standards. It has been shown that the primary health care services at Moses Mabida Clinic largely comply with national and international standards although several recommendations have been presented for consideration.

The impact of line manager (supervisor) behaviour on employee well-being, work attitudes, performance and perceptions of organizational culture are assessed using a sample of specialist unit (S-Unit) ambulance personnel. Underpinning line manager behaviour was a 10 item, two-factor structure: supportive (six items) and unsupportive (four items) manager behaviour (see chapter 3). Analysis of manager behaviour on outcome variables was performed using cross-sectional (n = 473) and longitudinal, matched-cases, analysis (n = 242). Cross-sectional analysis (see chapter 5) revealed that supportive manager behaviour was significantly related to increased proximal and distal collective capability, individual capability (efficacy; see chapter 4), work engagement, attitudes towards patient care, organizational commitment, perceived organizational support and job satisfaction; and negatively related to symptoms of ill-health, burnout and intentions to quit. Unsupportive manager behaviour was observed to be significantly related to increased symptoms of ill-health and burnout. It was also found to be marginally related to symptoms of post-traumatic stress disorder. Longitudinal analysis (see chapter 6) revealed that supportive manger behaviour was linked to greater proximal collective capability and reduced intentions to quit. Unsupportive manager behaviour was found to be significantly related to increased reporting of symptoms of post-traumatic stress disorder and ill-health. Reverse causality testing was employed on the longitudinal data and results showed that symptoms of ill-health may influence perceptions of unsupportive manager behaviour. The factor structure of manager behaviour is discussed and relationships (significant and non significant) are assessed against other research.

In 1994, a Forum on National Health was held in Sun Valley, California to discuss the responsibilities of the university for the health of urban populations. It called for the development of a "New School of Public Health" in the urban centre to deal with community crippling health issues and preventive care. The current state of health care in Canada cannot support the tradition of individual and curative care in the wake of an aging, expanding population and rising medical costs. Efforts must be directed towards preventive, public health education. This thesis will deal with three major issues: (I) the re-establishment of a National School of Public Health as an academic institution and part of a new civic building - an Academic Health Centre; (2) to house in the Academic Health Centre major public and community health related facilities in Vancouver such as the Dr. Peter AIDS Foundation and Hospice; and (3) to urbanize the Academic Health Centre in downtown Vancouver as a way to educate the community about preventive health issues through passive and interactive means such as billboarding, media, and ease of accessibility to lectures, and resource facilities. / Applied Science, Faculty of / Architecture and Landscape Architecture (SALA), School of / Graduate

<p>The systems engineering process has been applied to determine the feasibility of building a de-inking plant in Northern Virginia. This plant will recycle old newspapers and magazines into newsprint to be used by a local newspaper company in the production of their daily newspaper.</p> <p> A needs analysis establishes the local newspaper company's desire to obtain a reliable source of one-hundred percent recycled newsprint at a competitive cost. The analysis proposes building a de-inking plant to produce the required quantity and quality of recycled newsprint required to fulfill the local newspaper company's production needs. The analysis applies the engineering process to develop the system's high-level operational and maintenance requirements. This process establishes a system configuration used to evaluate the system's economic feasibility.</p> <p> The results of this analysis indicate that the de-inking plant system is feasible within the available technology and economic resources. The de-inking plant can provide a reliable source of 100% recycled paper at a cost that is below the present cost for similar recycled newsprint.</p> / Master of Science

<p>The systems engineering process has been applied to develop and evaluate a system that collects and processes scrapped catalytic converters to recover the platinum group metals retained by the converters' spent catalyst substrate.</p> <p> A needs analysis establishes a catalytic converter manufacturer's desire to reduce the cost of obtaining platinum group metals used to produce new catalytic converters. The analysis proposes a collection and processing system as an alternative to existing suppliers to provide these metals at a lower cost. The analysis applies the engineering process to develop the system's high-level requirements and devises its components, inter-relationships, and operation. This process establishes a system configuration used to evaluate the system's economic feasibility.</p> <p>The results of this analysis indicate that the collection and processing system is feasible within the constraints of available technology and economic resources.</p> / Master of Science

Master of Science in Education

The convention hotel emerged as a distinct building type in the years of the Second World War and its aftermath. The earliest examples of convention hotels were distinguished from their pre-war counterparts by the design of their meeting facilities and the layout of public areas. In these projects, new techniques in architectural design were used only where they were critical to hotel operation. As the number of hotels increased in the fifties, competition for business required new approaches to design. For some hotel companies, the policy was to improve a hotel's capability for handling groups in order to attract sizable conventions to the property. In resort cities, hotel operators found that innovations in style and decor enhanced popular appeal, thereby increasing business. In the late fifties and early sixties, the participation of developers and corporations outside the hotel industry in building new properties brought about an increasing diversity. In the projects, design was based on potential profitability regardless of traditional hotel principles. At the same time, the inclusion of convention hotels in large-scale urban developments called for innovations in site planning and expansion of public amenities. While these hotels and their predecessors of the fifties rarely displayed architectural excellence, their contribution to guidelines for modern hotel design was critical to later, more spectacular developments of the building type. One project of the late sixties, the Hyatt Regency Atlanta, dramatically explored the potential of new approaches to hotel architecture. The astounding design of the public spaces, the integration of the hotel with surrounding development, and the hotel's subsequent popularity have served to transform this commercial building type into significant public architecture. The success of the. Atlanta Hyatt has led to a repetition of the concept by the hotel company, while inspiring new experiments by the architect. In the early seventies, a series of hotels of remarkable design opened in the United States. Their public appeal confirmed the value of good architecture to the successful operation of a hotel. Hotel professionals were forced to reconsider the necessary elements of hotel design, while architects were encouraged to re-examine the possibilities inherent in this commercial building type.

To give an accurate picture of today's schools in Grady County it is necessary to look at the history of Grady County schools. Much of this history parallels contemporaneous developments over the nation and the South, but attention is to be focused on this part of South Georgia which is now Grady County. It began a little over a hundred years ago. / Typescript. / "May, 1954." / "Submitted to the Graduate Council of Florida State University in partial fulfillment of the requirements for the degree of Master of Science." / Advisor: Eugene S. Lawler, Professor Directing Paper. / Includes bibliographical references (leaf 70).

Thesis. 1975. M.Arch.--Massachusetts Institute of Technology. Dept. of Architecture. / Includes bibliographical references. / M.Arch.