Thesis (M.A.) -- Central Connecticut State University, 2006. / Thesis advisor: C. Charles Mate-Kole. "... in partial fulfillment of the requirements for the degree of Master of Arts ... Department of Psychology." Includes bibliographical references (leaves 30-35). Also available via the World Wide Web.

Thesis (Ph. D.)--Oregon State University, 2007. / Printout. Includes bibliographical references (leaves 101-104). Also available on the World Wide Web.

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Mississippi leads the nation in tornado deaths per unit area. Previous risk assessment studies have indicated a connection between housing type and fatalities but have focused only on a national scale. The purpose of this study was to provide a local scale risk assessment for Mississippi. Each county?s individual tornado risks were combined with US Census county housing data for each decade from 1960-2000. The study found that the comparable risk to life and property is highest in Harrison County and Hinds County, but with proper shelters and community planning this risk would be mitigated.

A risk review of a fuel cell-based distributed co-generation (FC-Based DCG) system was conducted to identify and quantify the major technological system risks in a worst-case scenario. A risk review entails both a risk assessment and a risk analysis of a designed system, and it is part of risk engineering. Thorough literature reviews and expert interviews were conducted in the field of fuel cells. A thorough literature review of the risk engineering field was also conducted. A procedure for a risk review of the FC-Based DCG System was developed. The representative system design was identified by the current DCG design technology. The risk assessment was carried out, identifying the system components and potential failure modes and consequences. Then, using probabilities of failure for the various system components, the risk associated with a particular system design was determined. A Monte Carlo simulation on the total system reliability was used to evaluate the potential for system failure at a time of 1 hour, 5 hours, 10 hours, 50 hours, 100 hours and 500 hours of continuous operation. The original system was found to be acceptable at the initial times, but after 100 hours was predicted to fail. The components which consistently contribute significantly to the overall system risk are the membrane electrode assembly (MEA) and the nickel-metal foam flow fields. A revised system was analyzed with the reliability of the MEA and the Ni-foam set to 100%. After the revision, the components which contributed significantly to the system risk were the pumps. Simulations were run for several alternative systems to provide feedback on risk management suggestions. The risk engineering process developed with the design approach for this research is applicable to any system and it accommodates the use of many different risk engineering tools.

A risk review of a fuel cell-based distributed co-generation (FC-Based DCG) system was conducted to identify and quantify the major technological system risks in a worst-case scenario. A risk review entails both a risk assessment and a risk analysis of a designed system, and it is part of risk engineering. Thorough literature reviews and expert interviews were conducted in the field of fuel cells. A thorough literature review of the risk engineering field was also conducted. A procedure for a risk review of the FC-Based DCG System was developed. The representative system design was identified by the current DCG design technology. The risk assessment was carried out, identifying the system components and potential failure modes and consequences. Then, using probabilities of failure for the various system components, the risk associated with a particular system design was determined. A Monte Carlo simulation on the total system reliability was used to evaluate the potential for system failure at a time of 1 hour, 5 hours, 10 hours, 50 hours, 100 hours and 500 hours of continuous operation. The original system was found to be acceptable at the initial times, but after 100 hours was predicted to fail. The components which consistently contribute significantly to the overall system risk are the membrane electrode assembly (MEA) and the nickel-metal foam flow fields. A revised system was analyzed with the reliability of the MEA and the Ni-foam set to 100%. After the revision, the components which contributed significantly to the system risk were the pumps. Simulations were run for several alternative systems to provide feedback on risk management suggestions. The risk engineering process developed with the design approach for this research is applicable to any system and it accommodates the use of many different risk engineering tools.

The master thesis deals with the issue of risk management in a selected business entity. The subject of the research is the risks of the selected entity. The object of the research is a Slovak company with the changed name Betolta, a.s., that main activity is the production of reinforced concrete precast units. The thesis is divided into seven chapters. The thesis deals in more detail with the current state of the researched issues, identification, analysis and evaluation of risks using the methods of strategic situational analysis. The conclusion of the work deals with proposals and recommendations for improving the identified situation.

Risk has become a key concept in social theory and has had a significant impact across academic disciplines including criminology. On the one hand, several criminologists argue that the rise of risk has fundamentally reconfigured the operations of courts, corrections, and policing. Many claim that, over the last few decades, crime control has moved away from the old rehabilitative and retributive approaches of the past and towards more actuarial approaches based on risk management – crime has become a risk to be managed in aggregate terms rather than a moral transgression in need of rectification. On the other hand, while risk-based approaches to governing crime have grown significantly, cultural criminologists and sociologists of sport have noted a heightened emphasis on risk-taking by urban graffiti writers, illegal street racers, extreme sports enthusiasts, and illicit drug users. For these people, the risk-averse logic of actuarial governance – risk as potential harm to be avoided – is inverted such that risk is positively embraced for the excitement it affords. What is particularly characteristic about the present, then, is that a politics of risk management is colliding with a culture of risk-taking. In attempts to make sense of this puzzling paradox, in this thesis I offer a primarily theoretical investigation of the dominant approaches used in the study of risk management (chp. I) and risk taking (chp. II & III) in sociology and criminology. After exploring how the rise of risk has reconfigured crime control over the last quarter century in Chapter one, in Chapter two I develop the argument that orthodox criminology provides two dominant images of criminal risk-taking. While dispositional theories explain criminal risk-taking as the pathological behaviour of individuals with particular body types, low-self control, or of lower-class origin, situational theories conceive of criminal risk-taking as the (ir)rational decisions of necessarily risk-averse actors. Despite differences between dispositional and situational theories, both leave no room for risk-taking that is controlled and intentional. In Chapter three I enlist the work of Jack Katz on the seductions of crime and of Stephen Lyng on the sociology of risk-taking to develop a third, cultural approach to risk-taking that is voluntary and cross-class. I illustrate how, for Katz’s and Lyng’s actors, risk is approached as a challenge rather than seen as a deterrent. Lastly, I add to the historicity of the cultural approach to risk-taking by tracing its roots in a romantic worldview that arose out of 19th century disenchantment with the bureaucratic rationalism and alienation of capitalist modernity. In conclusion, I summarize the main argument of the thesis and outline some potential avenues for future research.

Defaulted retail mortgage loans as a percentage of retail mortgage loans and advances averaged 9 percent over 2010 as reported in the SARB Bank Supervision Annual report. Banks are in the business of risk taking and as a result need to constantly evaluate and review credit risk management to attain sustained profitability. In credit risk modelling, default risk is associated with client-specific factors particularly the client’s credit rating. However, Brent, Kelly, Lindsey-Taliefero, and Price (2011), have shown that variation in mortgage delinquencies reflect changes in general macroeconomic conditions. This study aims to provide evidence of whether macroeconomic factors such as the house price index, CPI, credit growth, debt to income ratio, prime interest rates, and unemployment, are key drivers of residential mortgage delinquencies and default in South Africa. In this study, data from an undisclosed bank is used to estimate three models that are supposed to capture the influence of several macroeconomic variables on 30 day, 60 day, and 90 day delinquency rates over the 2006-2010 period. In order to eliminate the potential bias introduced by those observations, a fourth model was estimated using aggregated banking industry published by the SARB. However, due to data constraints, only the severe mortgage delinquency state, that is the 90 day delinquency rate was modelled using this aggregate data. The SARB sample covers the period between 2008 and 2010. The choice of the date 2008 coincides with the introduction of the Basel 2 regulatory framework. Prior to 2008, the big four South African banks were governed by the Basel 1 framework, and measured their credit risk using the so-called Standardised Approach which has different loan categories and different default definitions compared to the Basel 2 Advanced Internal Ratings Approach adopted in 2008. The findings suggest that the two samples (i.e. the data from the individual bank and the SARB data) imply different explanatory macroeconomic factors. Prime interest rates were found to be the only important variable in determining 30 day and 60 day delinquency rates for the individual bank. The house price index, CPI, credit growth, and prime interest rates were found to be the main determinants of the 90 day delinquency rates for the undisclosed bank, while the house price index, CPI, and credit growth, determine the 90 day delinquency rates for the big four banks.