En Latinoamérica, se ha desarrollado, la inclusión financiera, de manera muy rápida en los últimos tiempos, sin embargo, este proceso todavía no consigue que la fuerza laboral esté integrada totalmente. El acceso al crédito en América Latina solo representa el 51% y, en el Perú, esta cifra desciende al 29% (CEPES,2016). En el rubro económico, los requerimientos para poder acceder a un crédito son muy rigurosos, donde prevalece el sector formal. Más de las dos terceras partes del poder laboral en el Perú (69%) no son formales, según la Organización Mundial del Trabajo. Asimismo, en el sector informal el otorgamiento de crédito carece de historial financiero y los montos son mínimos esto conlleva a que las entidades financieras eleven el riesgo y los costos asociados con los créditos en este sector. Esto nos muestra que las realidades de los créditos difieren demasiado con el proceso de evaluación de clientes generando una deficiente y mala representación de lo que ocurre en la vida real. Este proyecto permite está basado en que la gran cantidad de financieras solamente entregan créditos a su clientela que cuenta con un historial crediticio, en consecuencia, el fin de este proyecto, muy diferente a lo convencional, es poder otorgar créditos a personas naturales y/o empresas que se encuentran en el proceso de la formalidad. Contamos con referencias de otras partes del mundo, un claro ejemplo es en el país oriental de la China la cual cuenta con una realidad cultural muy diferente a la nuestra, sin embargo, cuenta con conocimientos que se pueden adaptar al proyecto nuestro. Con todo lo descrito, planteamos el desarrollo de un Modelo de Data Science que ayude a analizar a los clientes potenciales mediante el cálculo de su capacidad de pago y en base a eso predecir y ofrecer el producto que mejor se acople a los parámetros antes detallados (Cáceres & Paucar, 2019). Este proyecto desarrolla el Modelo de Data Science y se prueba en una Página Web en la misma caja rural (instalaciones) y en el sector campo mediante la ayuda de sus móviles, para demostrar los resultados logrados y las mejores comparativas de nuestro modelo con el método tradicional. Palabras claves: Data Science, Modelo de evaluación, Capacidad de pago, Data Analysis, Historial Crediticio, Caja Rural. / In Latin America, financial inclusion has increased considerably in recent years, but it still does not cover the entire workforce. According to World Bank studies, access to credit in Latin America represents only 51% and in Peru this figure drops to 29%. In the financial sector, the requirements for applying for credit are very rigid, giving priority to the formal sector. According to the International Labor Organization, 69% of the labor force in Peru is informal. Furthermore, in this sector the loans granted are small amounts and lack credit history, making the costs and risk associated with such loans high for the entities. That is why the analysis in the evaluation of the client without credit history is deficient with the reality that they present. The development of this project responds to the fact that the great majority of financial entities grant credits to clients who already have some credit history, therefore, what we want to show, unlike the rest, is that a credit can also be granted to people or micro entrepreneurs who are not yet totally formalized or do not present proof of income (ballots or receipt for fees). There are precedents of this type of cases at international level, particularly in China that have another reality to ours, but some concepts can be transferred to our project. Based on the above, we propose the development of a Data Science model that will allow us to evaluate potential clients and, in turn, evaluate their ability to pay and offer them an associated product for each client. To this end, the model was tested on a web page within the entity on their computers and outside through the use of mobile devices, in order to show results obtained by the model indicating improvements in the percentage of credit granted to clients by officials. Keywords: data science, evaluation model, payment capacity, data analysis, credit history, rural saving bank. / Tesis

After independence, in 1990, the government of the Republic of Namibia perceived the need to replace the old Language-in-Education Policy (LiEP) for schools with a new one that promotes the use of the mother tongue alongside English in schools and colleges of education. Consequently, the new Language-in-Education Policy was implemented in all 13 educational regions. The aim of this study is to evaluate the implementation of this policy in the upper primary schools in Oshana Region. The findings of the study were analysed according to relevant literature to determine if they were in line with the theories of language policy evaluation. At least five major findings emerged from this study that are described in relation to relevant themes, namely; home language, language preferences, language practices, policy awareness and government support. The study revealed that the majority of learners in Oshana Region are Oshikwambi speakers, followed by Oshikwanyama speakers. In addition, the majority of teachers who teach Oshindonga are also not Oshindonga speakers. Furthermore, the study revealed that the majority of learners, teachers and principals preferred English as LoLT to Oshiwambo. Another major finding of the study is that despite the fact that English is the LoLT, both teachers and learners are still struggling to communicate in English. In general, successful communication often takes place in Oshiwambo. The study revealed that the majority of teachers, learners and parents are neither aware of the new LiEP nor were they consulted prior to its implementation. In addition, the LiEP related materials are not available in most of the schools. Finally, the study found that there is a serious shortage of textbooks and well qualified teachers in African languages. This shortage of textbooks prevents teachers from giving adequate homework to learners. Consequently, the LiEP cannot be successfully implemented. A number of recommendations are made regarding the shortage of textbooks in Oshiwambo, the use of the mother tongue as LoLT from Grade 1 to Grade 7 and the recognition of other Oshiwambo dialects. Ongoing consultation and awareness should be a vital part of the review process. / Linguistics / M.A. (Sociolinguistics)

Computing / M. Sc. (Information Systems)

Text in Afrikaans / Ten einde 'n kurrikulum relevant en doeltreffend te kan hou, is di t noodsaaklik om die kurrikulum gereeld te evalueer en dienooreenkomstig die bevindinge aan te pas, indien nodig. Spesiale skole in Suid-Afrika beskik oor 'n eiesoortige kernkurrikulum wat hoofsaaklik ontwikkel is vir leerders wat primer verstandelik matig gestrem is. Om verskeie redes, waarvan die belangrikste is, dat die meerderheid leerders wat hulle tans in spesiale skole bevind nie verstandelik matig gestremd is nie, word die werklike doeltreffendheid en relevansie van hierdie kurrikulum bevraagteken. Die doel van hierdie navorsing was derhalwe om die doeltreffendheid en relevansie van die kernkurrikulum wat vir die meerderheid spesiale skole in Suid-Afrika van toepassing is, te bepaal. 'n Sekondere doel van die ondersoek was om 'n kurrikulumevalueringsmodel te ontwikkel aan die hand waarvan kurrikulumevalueerders 'n kurrikulum vanuit 'n literatuurperspektief sou kon evalueer. Ten einde die ondersoek teoreties te fundeer, is 'n li teratuurondersoek onderneem na die grondslae en komponente van 'n kurrikulum. Op grond van die navorsingsresultate is die kurrikulumevalueringsmodel ontwikkel. Twee van die kurrikulumgrondslae wat by wyse van die navorsing blootgele is, is die leerder en die gemeenskap. By wyse van 'n li teratuur- en dokumentasie-ondersoek is bepaal wat die eise is wat spesialeskoolleerders en die gemeenskap aan die kernkurrikulum vir spesiale skole stel. Aan die hand van hierdie bevindinge is kurrikulumevalueringskriteria ontwikkel waarmee die kernkurrikulum vir spesiale skole toe geevalueer is. By die toepassing van hierdie kriteria is gevind dat die kernkurrikulum vir spesiale skole in vele opsigte nie behoorlik aan die eise van die leerders en die gemeenskap voldoen nie. Die gevolgtrekking kon derhalwe gemaak word dat die kernkurrikulum vir spesiale skole oor die algemeen nie doel treffend en relevant genoeg is nie. Aanbevelings is gemaak oor hoe die kernkurrikulum moontlik meer doeltreffend en relevant gemaak kan word. / Sustaining curriculum relevance and effectiveness, necessitates regular curriculum evaluation and adjustment in concurrence with the evaluation results. Special schools in South Africa have at their disposal their own · peculiar curriculum which was developed mainly for learners who are primarily mildly mentally disabled. For various reasons, the most important of which is that the majority of learners currently in special schools are not mildly mentally disadvantaged, the relevancy and effectiveness of this curriculum are questioned. The primary aim of this research was therefore to determine if the core curriculum for special education, which is applicable to the majority of special schools in South Africa, is relevant and effective. A secondary aim of this investigation was to develop a model for curriculum evaluation by means of which curriculum evaluators would be able to evaluate a curriculum from a literature perspective. With a view to founding this research theoretically, literature research was conducted into the foundations and components of the curriculum. On the basis of the research findings, the model for curriculum evaluation was developed. Two of the curriculum foundations that were disclosed by means of the research, were the learner and the community. By means of an investigation of literature and other relevant documentation, the demands made on the curriculum by the learner and the community, were determined. On the basis of these findings, criteria were developed by means of which the core curriculum for special schools was then assessed. When the above criteria were applied, it was found that in many respects the core curriculum for special schools did not completely comply with the demands of the learners and the community. The conclusion could therefore be drawn that the core curriculum for special schools are in general not effective and relevant enough. Proposals were made on how the core curriculum could possibly be made more effective and relevant. / Curriculum and Instructional Studies / D. Ed. (Didaktiek)

研發計畫的評估是一個複雜且重要的問題，特別是在新興的生技醫藥產業，生技醫藥產業雖然爆發力強，卻具有研發時程長、風險大的特性，再加上投資金額龐大，回收期長，如何在有限的資源及高度的不確定性下，進行正確的投資評估變成了關乎未來公司存亡的關鍵。 一般而言，質化的評估方式，容易受決策者主觀意見所影響，造成決策品質的不確定性。而量化的評估方式，並不易讓企業管理者瞭解與使用，加上模式的限制可能只適用於某些特定情形，造成決策的真實情境無法完全由數學模式中表達出來，而降低了決策的參考性。 以藥物開發為例，針對生醫產業的特性，從評估參與人員、質化評估、量化評估、評估要求、評估標準、評估程序等不同的構面去探討與分析可能合適的研發評估模式。本論文進一步以個案訪談的方式，收集實際運作的經驗與意見，瞭解目前業界目前實務上使用的評估方式，並與先前的生醫產業評估模式對照比較，瞭解理論與實務上的落差，探討其關鍵要素，以整體的效益評估觀點，對公司決策者或研發主管提出建議。 / The evaluation for R&D project is usually regarded as an important and complicated issue for enterprises, especially in the biomedical industry. Such a concern may be highly applied to the biomedical industry, which is involved with lengthy R&D process, high level of risk, and large cost. This project, therefore, will attempt to study the appropriate approaches to determine whether a proposed R&D project is worthwhile to be launched for a biomedical enterprise with limited resources. In general, qualitative research may be involved with the evaluator’s personal experience, negatively influencing the evaluation results. On the other hand, not each of the selected models employed by quantitative research is fully compatible to evaluation process. This study suggests that either qualitative or quantitative research may not be the most appropriate tool to conduct R&D project evaluation. This study aims to use drug development as a study target and further to discuss the most appropriate evaluation approach from the five aspects, including reviewer’s professional, evaluation items of qualitative research, evaluation items of quantitative research, requirement for evaluation process, and criteria for project approval. This study also assumes that a final review process is required to be proceeded in addition to taking the above five aspects into account. This study begins with related references and collecting the opinions provided by the professionals working in the biomedical industry about real cases. Through the case study method, the study may better understand the difference between the theoretical models and real practices and further to identify the key successful factors for the evaluation model. Finally the study suggests a comprehensive evaluation model to decision makers or research managers.

Text in English / Developments in Internet technology and pervasive computing over the past two and half decades have resulted in a variety of Web-based applications (WBAs) that provide products and services to online users or customers. The Internet is used not only to transfer information via the web but is increasingly used to provide electronic services including business transactions, information-delivery and social networking, as well as e-government, e-health and e-learning. For such organisations, e-service quality, usability and user experience are considered to be critical determinants of their products’ or services’ success. Many studies to model these three concepts separately have been undertaken as part of broader studies of software quality or service quality modelling. However, to the current researcher’s knowledge, none of the studies have focussed on proposing an evaluation model that integrates and combines the three of them. This research is an effort to fill that gap. The primary purpose of this mixed-methods research was to develop a conceptual integrated model for evaluating e-service quality, usability and user experience (e-SQUUX) of WBAs and then contextualise it to evaluation of a University web portal (UWP). This was undertaken using an exploratory sequential research design. During a qualitative phase, an extensive extensive systematic literature review of 264 relevant sources relating to dimensions of e-service quality, usability and user experience, was undertaken to derive an integrated conceptual e-service quality, usability and user experience (e-SQUUX) Model for evaluating WBAs. The model was then empirically refined through a sequential series of validations, thus developing various versions of the e-SQUUX Model. First, it was content validated by a set of four expert reviewers. Second, during the quantitative phase, in the context of a University web portal, a questionnaire survey was conducted that included a comprehensive pilot study with 29 partipants, prior to the main survey. The main survey data from 174 particiapants was used to determine a validated model, using Exploratory factor analysis (EFA), followed by producing a structural model, using partial least square – structural equation modelling (PLS-SEM). This version consisted of the components of the final e-SQUUX Model. Consequently, the research enriches the body of knowledge on IS and HCI by providing the e-SQUUX Model as an evaluation tool. For designers, developers and managers of UWPs, the model serves as a customisable set of evaluation criteria and also provides specific recommendations for design. In line with the Exploratory sequential design of mixed methods research, the findings of the qualitative work in this research influenced the subsequent quantitative study, since the potential Likert-scale questionnaire items were derived from the definitions and meanings of the components that emanated from the qualitative phase of the study. Consequently, this research is an exemplar for developing an integrated evaluation model for specific facets or domains, and of its application in a particular context, in this case, a University web portal. Keywords: e-service quality, usability, user experience, evaluation model, integrated model, exploratory factor analysis, partial least square – structural equation modelling (PLS-SEM), mixed methods research, Exploratory sequential design, quantitative study, qualitative study, validation, Web-based applications, University web portal / Information System / Ph D. (Information Systems)

After independence, in 1990, the government of the Republic of Namibia perceived the need to replace the old Language-in-Education Policy (LiEP) for schools with a new one that promotes the use of the mother tongue alongside English in schools and colleges of education. Consequently, the new Language-in-Education Policy was implemented in all 13 educational regions. The aim of this study is to evaluate the implementation of this policy in the upper primary schools in Oshana Region. The findings of the study were analysed according to relevant literature to determine if they were in line with the theories of language policy evaluation. At least five major findings emerged from this study that are described in relation to relevant themes, namely; home language, language preferences, language practices, policy awareness and government support. The study revealed that the majority of learners in Oshana Region are Oshikwambi speakers, followed by Oshikwanyama speakers. In addition, the majority of teachers who teach Oshindonga are also not Oshindonga speakers. Furthermore, the study revealed that the majority of learners, teachers and principals preferred English as LoLT to Oshiwambo. Another major finding of the study is that despite the fact that English is the LoLT, both teachers and learners are still struggling to communicate in English. In general, successful communication often takes place in Oshiwambo. The study revealed that the majority of teachers, learners and parents are neither aware of the new LiEP nor were they consulted prior to its implementation. In addition, the LiEP related materials are not available in most of the schools. Finally, the study found that there is a serious shortage of textbooks and well qualified teachers in African languages. This shortage of textbooks prevents teachers from giving adequate homework to learners. Consequently, the LiEP cannot be successfully implemented. A number of recommendations are made regarding the shortage of textbooks in Oshiwambo, the use of the mother tongue as LoLT from Grade 1 to Grade 7 and the recognition of other Oshiwambo dialects. Ongoing consultation and awareness should be a vital part of the review process. / Linguistics and Modern Languages / M.A. (Sociolinguistics)

Computing / M. Sc. (Information Systems)

Text in Afrikaans / Ten einde 'n kurrikulum relevant en doeltreffend te kan hou, is di t noodsaaklik om die kurrikulum gereeld te evalueer en dienooreenkomstig die bevindinge aan te pas, indien nodig. Spesiale skole in Suid-Afrika beskik oor 'n eiesoortige kernkurrikulum wat hoofsaaklik ontwikkel is vir leerders wat primer verstandelik matig gestrem is. Om verskeie redes, waarvan die belangrikste is, dat die meerderheid leerders wat hulle tans in spesiale skole bevind nie verstandelik matig gestremd is nie, word die werklike doeltreffendheid en relevansie van hierdie kurrikulum bevraagteken. Die doel van hierdie navorsing was derhalwe om die doeltreffendheid en relevansie van die kernkurrikulum wat vir die meerderheid spesiale skole in Suid-Afrika van toepassing is, te bepaal. 'n Sekondere doel van die ondersoek was om 'n kurrikulumevalueringsmodel te ontwikkel aan die hand waarvan kurrikulumevalueerders 'n kurrikulum vanuit 'n literatuurperspektief sou kon evalueer. Ten einde die ondersoek teoreties te fundeer, is 'n li teratuurondersoek onderneem na die grondslae en komponente van 'n kurrikulum. Op grond van die navorsingsresultate is die kurrikulumevalueringsmodel ontwikkel. Twee van die kurrikulumgrondslae wat by wyse van die navorsing blootgele is, is die leerder en die gemeenskap. By wyse van 'n li teratuur- en dokumentasie-ondersoek is bepaal wat die eise is wat spesialeskoolleerders en die gemeenskap aan die kernkurrikulum vir spesiale skole stel. Aan die hand van hierdie bevindinge is kurrikulumevalueringskriteria ontwikkel waarmee die kernkurrikulum vir spesiale skole toe geevalueer is. By die toepassing van hierdie kriteria is gevind dat die kernkurrikulum vir spesiale skole in vele opsigte nie behoorlik aan die eise van die leerders en die gemeenskap voldoen nie. Die gevolgtrekking kon derhalwe gemaak word dat die kernkurrikulum vir spesiale skole oor die algemeen nie doel treffend en relevant genoeg is nie. Aanbevelings is gemaak oor hoe die kernkurrikulum moontlik meer doeltreffend en relevant gemaak kan word. / Sustaining curriculum relevance and effectiveness, necessitates regular curriculum evaluation and adjustment in concurrence with the evaluation results. Special schools in South Africa have at their disposal their own · peculiar curriculum which was developed mainly for learners who are primarily mildly mentally disabled. For various reasons, the most important of which is that the majority of learners currently in special schools are not mildly mentally disadvantaged, the relevancy and effectiveness of this curriculum are questioned. The primary aim of this research was therefore to determine if the core curriculum for special education, which is applicable to the majority of special schools in South Africa, is relevant and effective. A secondary aim of this investigation was to develop a model for curriculum evaluation by means of which curriculum evaluators would be able to evaluate a curriculum from a literature perspective. With a view to founding this research theoretically, literature research was conducted into the foundations and components of the curriculum. On the basis of the research findings, the model for curriculum evaluation was developed. Two of the curriculum foundations that were disclosed by means of the research, were the learner and the community. By means of an investigation of literature and other relevant documentation, the demands made on the curriculum by the learner and the community, were determined. On the basis of these findings, criteria were developed by means of which the core curriculum for special schools was then assessed. When the above criteria were applied, it was found that in many respects the core curriculum for special schools did not completely comply with the demands of the learners and the community. The conclusion could therefore be drawn that the core curriculum for special schools are in general not effective and relevant enough. Proposals were made on how the core curriculum could possibly be made more effective and relevant. / Curriculum and Instructional Studies / D. Ed. (Didaktiek)

Personliga eldrivna fordon (EV) är ett nytt teknikområde som är på väg att uppnå stort momentum på flera av världens marknader. Eftersom branschen fortfarande ligger i sin linda finns det i nuläget inga tydliga strukturer, som gäller för alla marknader världen över, gällande relationerna mellan aktörer, vilket leder till osäkerheter när det kommer till att ta strategiska beslut. Uppdragsgivaren för denna studie är Hong Kong EV Power Ltd. (EV Power), en Hongkong-baserad leverantör av laddningsstationer för elbilar och relaterade tjänster, som har ambitionen att inträda marknaden på det kinesiska fastlandet inom den närmaste framtiden. Emellertid har EV Power ännu inte bestämt sig vilken stad de vill rikta in sig på i det första skedet. Denna avhandling ämnar formulera en modell som kan användas för att utvärdera och jämföra geografiska marknader med avseende på lämpligheten för ett marknadsinträde av en leverantör av laddningsstationer för elbilar. Dessutom kommer modellen testas på tre städer på kinas fastland (Peking, Shanghai och Shenzhen), med syfte att komma fram till vilken stad som är mest attraktiv för EV Power, samt att utvärdera modellens funktionsduglighet. Sist kommer resultaten från utvärderingen av de tre städerna att tjäna som utgångspunkten för en analys som ämnar ta fram framgångsfaktorer för ett marknadsinträde på kinas fastland. För att uppnå detta har fyra olika datainsamlingsmetoder använts: Först studerades teori, med syfte att få bakgrundskunskap likväl som att få förståelse för specifika faktorer som påverkar ett marknadsinträde som detta. För det andra observerades EV Powers nuvarande verksamhet i Hong Kong, i avsikt att förstå vad som har lett till den framgång som företaget upplevt på sin hemmamarknad. För det tredje intervjuades branschexperter för att få ett perspektiv på branschen som helhet. Sist samlades sekundär data kring de tre städerna in, för att kunna utvärdera de olika faktorerna som ingår i den framtagna modellen. Den slutgiltiga modellen består av fem faktorer som påverkar en stads attraktivitet för ett marknadsinträde av en leverantör av laddningsstationer för elbilar. De identifierade faktorerna är: ’Marknadens tillgänglighet’, ’Kortsiktig efterfrågan’, ’Förväntad marknadsandel’, ’Vinstmarginal’ och ’Långsiktig produktpotential’. Dessa faktorer är i sin tur indelade i subfaktorer som har sina egna uppsättningar av drivare. Efter att ha använt modellen för att utvärdera de tre städerna konstaterades det att Shanghai är den lämpligaste staden för ett marknadsinträde av EV Power, främst på grund av stadens dominans på marknaden för privatanvända elbilar och ett gynnsamt regelverk. Slutligen hittades tre framgångsfaktorer för ett sådant inträde: ’Fokusera på tjänster’, ’Bibehåll partner-relationer’ och ’Inträd tidigt’. / Personal electric vehicles (EV) is an emerging technology that has gained much momentum in several markets during the past decade, and China is currently one of the markets where the growth in EV sales is the highest. Since the industry is still in its infancy, there are currently no clear structures regarding the relationships between different actors that apply to all markets globally, leading to great uncertainty in strategic decisions. The commissioner of this study is Hong Kong EV Power Ltd. (EV Power), a producer of EV supply equipment (EVSE) and related services in Hong Kong, which aspires to enter the Chinese mainland in the near future. However, EV Power has yet to decide which city they want to target first. This thesis aims to formulate a model that can be used to evaluate and compare geographic markets for a market entry by an EVSE company. Furthermore, the model is tested on three cities in Mainland China (Beijing, Shanghai and Shenzhen), in order to derive the most attractive city for EV Power and to evaluate the adequacy of the model. Lastly, with the results from the city evaluation, as a point of departure, success factors for an entry into Mainland China by the commissioning company will be summarized. In order to achieve this objective, four distinct data collection methods have been used: First, theory was studied, in order to gain background knowledge as well as to understand specific factors that impact a market entry decision such as this. Second, EV Power’s current business in Hong Kong was observed, with a view to achieve an understanding of what has led the company to experience success in its home market. Third, Interviews with industry experts were conducted, so as to get a perspective on the industry as a whole. Fourth and last, secondary data for the different cities was collected, for the sake of evaluating them according to the developed model. The final model consists of five main factors that encompass the elements that influence a cities level of attractiveness for entry by an EV charging station supplier. The identified factors are: ‘Market accessibility’, ‘Short-term demand’, ‘Expected market share’, ‘Profit margin’, and ‘Long-term product potential’. These factors are in turn divided into sub factors that have their own set of drivers. Using the model to evaluate the cities, it was found that Shanghai is the most suitable city for a market entry by EV Power, mainly due to its dominance in the market for private EVs and a favourable regulatory environment. Finally, three main success factors, for such a market entry, were found: ‘Focus on services’, ‘Maintain partner relationships’, and ‘Enter early’.