The purpose of this research is to examine the impact of perceived service quality provided by banks on young adults’ perceptions of general societal and context-specific inequality, and negative emotions. Four laboratory experiments are designed and conducted to test these relationships. Results show increased context-specific inequality perceptions and negative affects on receiving lower quality service. Societal income inequality perceptions influenced preferences and recommendation likelihood for credit unions through attitudes towards them. A key role of knowledge about credit unions was found—whereby individuals with greater awareness provided more favorable evaluations for credit unions. Information received from friends was also trusted more than through ads. Theoretically, this research draws connections between literatures on service quality, social inequality, and information processing. Results found here have practical implications for both the functioning of banks as well as that of credit unions.

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In this research, I undertake an analysis of the relationship between aggregate voter turnout and income inequality within late-modern capitalist democracies to better understand the problem of declining voter turnout in these societies. I analyse this relationship at the sub-national level using provincial-level Canadian data and at the national level through a sample of twenty-one nations. At both levels, cross-sectional time-series regression analyses of pooled data are applied. Findings are interpreted through a citizenship lens; specifically the work of T.H. Marshall (1950) and Esping-Andersen (1990), as both social and political inclusion are fundamental and constitutive elements of citizenship. Initial findings include a statistically significant negative relationship between income inequality and voter turnout, for both provincial and federal general elections in Canada (1976-2011); this relationship is also found at the national level in a sample of older democracies (1980-2013). The relationship holds using various measures of income inequality including the Gini coefficient and a range of income ratios. However, once time is controlled for in the model this relationship seems to disappear. This suggests a lack of support for the theory that income inequality has a direct impact on participation in the exercise of political power. Rather, a more fundamental factor or factors seem to be causing these societal shifts. I discuss alternate ways of understanding this relationship, including how declining voter turnout and income inequality might be related to the broader socio-political and economic changes associated with economic globalisation and the global spread of neo-liberal fiscal policies. I conclude that to better understand the relationship between voter turnout and income inequality further research is required. / Graduate / 0630 / stewartl@uvic.ca

Purpose: When the prevalence of physical teen dating violence (TDV) victimization is examined at the state level, significant variation exists; the prevalence ranges from 7.4% in Oklahoma and Vermont to 17.8% in Louisiana. Using U.S. states as the unit of analysis, this study sought to determine whether gender inequality is a societal level risk factor for TDV victimization. Method: Data measuring physical TDV victimization were obtained from the 2009 YRBS. To measure the level of gender inequality in each state, the Gender Inequality Index (GII) was calculated using the procedure described in the United Nations’ Human Development Report. Pearson’s correlation coefficients were calculated to determine the association between TDV victimization, the GII, and the indicators of the GII. Results: Of the 40 states included in analyses, the GII was significantly associated with the state prevalence of both total TDV victimization (r=.323, p=.042) and female TDV victimization (r=.353, p=.026). Subsequent to removal of the outlying case of Oklahoma, the GII was also significantly associated with male TDV victimization (r=.366, p=.022). Several individual GII indicators were significantly associated with TDV victimization after removing the outlying case. Ordinary least squares regression was used to create a model for TDV victimization and gender inequality. Conclusion: This is the first study to examine societal level gender inequality as a risk factor for state level TDV victimization using nationally representative data on school youth. As policy-makers implement TDV prevention policy at the state level, further research understanding potential macro-level risk factors is particularly important.

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We demonstrate new results in additive combinatorics, including a proof of a conjecture by J. Solymosi: for every epsilon > 0, there exists delta > 0 such that, given n² points in a grid formation in R², if L is a set of lines in general position such that each line intersects at least n^{1-delta} points of the grid, then |L| < n^epsilon. This result implies a conjecture of Gy. Elekes regarding a uniform statistical version of Freiman's theorem for linear functions with small image sets.

Many reaction mechanisms have been developed over the past few decades to predict flame characteristics. A detailed reaction mechanism can predict flame characteristics well, but at a high computational cost. The reason for reducing reaction mechanisms is to reduce the computational time needed to simulate a problem. The focus of this work is on the validity of reduced methane-air combustion mechanisms, particularly pertaining to satisfying the entropy inequality. While much of this work involves a two-step reaction mechanism developed by Dr. Charles Westbrook and Dr. Frederick Dryer, some consideration is given to the four-step and three-step mechanisms of Dr. Norbert Peters. These mechanisms are used to simulate the Flame A experiment from Sandia National Laboratories. The two-step mechanism of Westbrook and Dryer is found to generate results that violate the entropy inequality. Modifications are made to the two-step mechanism simulation in an effort to reduce these violations. Two new mechanisms, Mech 1 and Mech 2, are developed from the original two-step reaction mechanism by modifying the empirical data constants in the Arrhenius reaction form. The reaction exponents are set to the stoichiometric coefficients of the reaction, and the concentrations computed from a one-dimensional flame simulation are matched by changing the Arrhenius parameters. The new mechanisms match experimental data more closely than the original two-step mechanism and result in a significant reduction in entropy inequality violations. The solution from Mech 1 had only 9 cells that violated the entropy inequality, while the original two-step mechanism of Westbrook and Dryer had 22,016 cells that violated the entropy inequality. The solution from Mech 2 did not have entropy inequality violations. The method used herein for developing the new mechanisms can be applied to more complex reaction mechanisms.

We study the infinite time ruin probability for an insurance company in the classical Cramér-Lundberg model with finite exponential moments. The additional non-classical feature is that the company is also allowed to invest in some stock market, modeled by geometric Brownian motion. We obtain an exact analogue of the classical estimate for the ruin probability without investment, i.e., an exponential inequality. The exponent is larger than the one obtained without investment, the classical Lundberg adjustment coefficient, and thus one gets a sharper bound on the ruin probability. A surprising result is that the trading strategy yielding the optimal asymptotic decay of the ruin probability simply consists in holding a fixed quantity (which can be explicitly calculated) in the risky asset, independent of the current reserve. This result is in apparent contradiction to the common believe that 'rich' companies should invest more in risky assets than 'poor' ones. The reason for this seemingly paradoxical result is that the minimization of the ruin probability is an extremely conservative optimization criterion, especially for 'rich' companies. (author's abstract) / Series: Working Papers SFB "Adaptive Information Systems and Modelling in Economics and Management Science"

The existing scholarship on women in China suggests that gender inequality still exists against the background of the country’s reform and opening in recent years. However, the situation of women in enterprise ownership and leadership seems to indicate that under the surface of women being disadvantaged, some of them are playing a more active and significant role in China’s economic development. Based on a series of interviews with women enterprise owners, wives of enterprise owners and women managers conducted in three localities in three difference provinces of China, this research aims to discover the deeper socio-political realities of leading women in enterprises. By analyzing information on these women’s personal experiences, career and families, this thesis investigates their status at work and at home, as well as their connections with local politics. The research results suggest that although traces of gender inequality can still be found in these women’s lives, they appear to be actively engaged in the business establishment and operation and gradually casting off the leash of domestic responsibilities. At the same time, these women have developed strong connections with the Party-state, not necessarily in their own right, but largely through their family ties. The research has also highlighted that the varied socio-economic development of each locality has its effects on these women’s development.

In recent decades, there have been an increasingly large number of developing countries that have embraced external economic liberalisation policies. Following trade theory, trade liberalisation has the potential to increase employment elasticity of economic growth and hence, have a greater poverty reduction impact, compared to import-substitution or closed economies. However, critics of globalisation often emphasise that the benefits from growth may not be evenly spread; hence, the distributional impacts may have an adverse effect on the poor. Vietnam has undertaken major market-based reforms to transform itself into an outward-oriented economy. The resulting effects show that not only has Vietnam achieved significant growth, but it has also managed to satisfy all the Millennium Development Goals. However, a significant element of Vietnam’s reforms involves integrating the Vietnamese economy with world markets through trade liberalisation policies, which may affect the welfare and distributional impacts on Vietnamese households. This dissertation examines the impact of trade liberalisation on growth, poverty and inequality for Vietnam. It develops a macro-micro analytical framework whereby a dynamic computable general equilibrium (CGE) model is linked to a representative household model in order to capture these effects. The findings indicate that trade liberalisation will cause a significant increase in economic growth. The smallest gains occur under Vietnam’s unilateral trade liberalisation against ASEAN while the largest gains take place when Vietnam extends its liberalisation with the rest of the world. There will be a shift away from primary sectors towards industry-based sectors such as low-tech, intermediate manufacturing and durables. There is also substantial up-skilling of unskilled labour. Combined with the large real returns to capital goods, this will result in significant increases in both capital investments as well as in the accumulation of human capital. In addition, economic growth will induce a fall in poverty rates in Vietnam. Nonetheless, there will also be large increases in the inequality of income, especially in the rural sector. Hence, although growth has lifted a large proportion of households out of poverty, the distributional impacts have been detrimental to the most vulnerable households.