La présente thèse porte sur l'analyse des impacts du crédit dans le cadre d'une problématique générale de la microfinance et en particulier sur un terrain empirique de la ville de Ouagadougou, au Burkina Faso. Notre thèse démontre d'abord les mécanismes par lesquels les crédits sont octroyés et gérés en mettant en perspective certains aspects de la théorie de l'agence. Du côté de l'offre, nous étudions trois Systèmes Financiers Décentralisés (SFD) et leurs politiques de crédit. Nous analysons comment les trois SFD s’efforcent de servir les exclus aux financements des banques classiques et d'encadrer toute recherche de profit dans cette même vision. De l'autre côté, il est question de la demande et de la gestion du crédit par les PME. Là, nous découvrons les facteurs déterminants de la demande de crédit ainsi que les modes de fonctionnement des PME. Cette thèse procède aussi à l'analyse de la performance socio-économique des SFD. Cette analyse nous révèle des signaux importants sur leurs performances et des questions pertinentes en ce qui concerne leur gestion. Nous saisissons également la dynamisation du milieu rural par le transfert de l'épargne de la ville vers la campagne comme une perspective de solidarité qui mérite un approfondissement et des appuis. La thèse expose la ramification des impacts notamment sur le revenu, l’emploi et l'exclusion sociale à l'instar du concept de la chaîne d'impacts tel que prôné par David Hulme. Par ailleurs, notre thèse révèle la nécessité d'évaluer les actions à partir des objectifs des acteurs en proposant une théorie dans ce sens. Enfin, la thèse fait une analyse critique des options possibles pour l'avenir de la microfinance. Dans tout cela, notre thèse démontre que les acteurs continuent d'afficher des positions souvent contradictoires en fonction de leurs logiques et stratégies. C'est en effet, dans ces conditions et particulièrement dans l'observation et l'analyse de ces logiques et stratégies que nous suggérons des recommandations par type d'acteurs avant de tirer des conclusions. / The present thesis relates on the analysis of the impact of the credit within the framework of general problems of microfinance and in particular to an empirical ground of the town of Ouagadougou, in Burkina Faso. This thesis shows initially the mechanisms by which the credits are given and managed by putting into perspective certain aspects of the agency theory. On the offer side, we study three Decentralized Financial Systems (DFS) and their credit policies. We analyse how the three DFS endeavour to finance people excluded from the financings of the traditional banks and to frame any search for profit in this same vision. On the demand side, it is a question of the demand and the management of the credit by SME. There, we discover the determining factors of the application for credit as well as the operating modes of SME. This thesis also carries out the analysis of the socio-economic performance of the DFS. This analysis reveals to us important signals on their performances and relevant issues with regard to their management. We also seize the dynamisation of the rural area by the transfer of the savings of the city towards the countryside as a prospect for solidarity which deserves a deepening and supports. The thesis exposes the ramification of the impact in particular in terms of income, employment and social exclusion following the concept of the chain of impacts as preached by David Hulme. In addition, this thesis reveals the need for evaluating the actions starting from the objectives of the actors by proposing a theory in this direction. Lastly, the thesis makes a critical analysis of the possible options for the future of microfinance. All in all, our thesis shows that the actors continue to post often contradictory positions according to their logics and strategies. It is indeed, under these conditions and particularly in the observation and the analysis of these logics and strategies, that we suggest recommendations by type of actors before drawing the conclusions.

The Heating, Ventilation and Air Conditioning (HVAC) systems are nowadays in almost every new building, develop or improve better control strategies for them is very common, looking to have more energy efficiency and require less input parameters from the user. In this project, new control strategies based in previous theory models has been used with a new approach in order to find a good solution for irregular occupied spaces. In this new approach a feed-forward filter with a fixed preheating time, using an algorithm based on an identified model, calculates how much degrees the temperature room can be decreased and regulate the power of the radiators to do it.The results of this project displays that the chosen model have to be changed but the idea is interesting, because the simulations of the reference building give, with a preheating timeof 2 hours, around 3ºC of temperature reduction during 18 days and savings of 33% of the heat energy needed for the whole month.Considering that buildings and the residential sector currently account for 40 percent of Sweden's energy consumption and around 25 percent of other countries like USA or Spain, and that irregular spaces are more or less a 10% of the governmental, institutional, academic or public buildings, the potential savings are not negligible. The evaluation of this control strategy with its mathematical model as well as its resultsduring the month of January and the behavior of the system along the year have been made with the help of IDA program for simulation of the reference building and its energy system.

The world is currently experiencing major issues in the energy sector. The ever-growing human population, limited energy resources and the effect of greenhouse gas emissions have become major global concerns for the energy sector, including the electricity generation sector. This dilemma caused electricity providers to revise their generation methods and created a major need for consumers to utilise electricity more efficiently. Demand side management (DSM) is one initiative developed for consumers to efficiently utilise electricity. Due to their high electricity consumption and technical skills, mines are ideal targets for the implementation of DSM strategies. Therefore, the focus of this study was to investigate South African mines for possible implementation of DSM strategies on their compressed air networks. Compressed air networks at South African mines are relatively old and inadequately maintained. This causes inefficient distribution and use of compressed air. The study will therefore focus on reconfiguring mining compressed air networks for cost savings. Cost savings include financial savings on electricity bills, implementation costs and decreased maintenance. Through several investigations, the possibility of implementing energy savings strategies to reconfigure the compressed air networks of two South African mines was identified. Reconfiguring the networks would respectively entail interconnecting two shafts and relocating a compressor from an abandoned shaft to a fully productive shaft. Theoretical simulations were developed to determine the networks’ responses to the reconfiguration strategies. The simulations assisted in exposing the viability of implementing the reconfiguration strategies on the respective compressed air networks. Positive responses were obtained from the simulations and proposals were made to the respective mines for possible implementation. The proposed initiatives were implemented on the respective mines’ compressed air networks. After implementation of the interconnection strategy, a consecutive three-month performance assessment period commenced to prove the viability of the proposed savings. An average power saving of 1 700 kW was achieved during the performance assessment period. The proposed initiative to relocate the compressor is currently being implemented. A financial saving of approximately R8.9 million per annum was achieved by implementing the interconnection strategy. The large financial saving was due to the utilisation of the mine’s salvaged equipment. Further savings were achieved by the decreased maintenance on the mine’s compressors. Due to the successful implementation of the interconnection strategy, it is safe to state that cost savings can be achieved by reconfiguring mining compressed air networks. / MIng (Mechanical Engineering), North-West University, Potchefstroom Campus, 2014

HIV/AIDS is already the leading cause of death worldwide (Unicef et al., 2004:10) with more than 5 million people out of a total of 46 million South Africans that were HIV positive in 2004, giving a total population prevalence rate of 11 per cent (Dorrington et al., 2004:1). Many people infected do not have access to even the basic drugs needed to treat HIV-related infections and other conditions (Wikipedia, 2004:3). The relative high price of many of the antiretroviral (ARV) drugs and diagnostics on the other hand are one of the main barriers to their availability in developing countries (Unicef et al., 2004:77). ARV drugs registered in South Africa include the Nucleoside/Nucleotide Reverse Transcriptase Inhibitors (NRTIs), Non-Nucleoside Reverse Transcriptase Inhibitors (NNRTIs) and Protease Inhibitors (PIs) (MCC, 2004:1). The objective of this study was to review, analyse and interpret the prescribing patterns of antiviral drugs, with special reference to antiretroviral drugs, in the private health care sector in South Africa by using a medicine claims database. A quantitative, retrospective drug utilisation review was performed. The data ranging from 1 January 2001 to 31 December 2001, 1 January 2002 to 31 December 2002, and 1 January 2004 to 31 December 2004 were used, dividing each year into three four-month periods, namely January to April, May to August, and September to December. It was found that 0.38 per cent (n=1 475 380) for 2001, 0.72 per cent (n=2 076 236) for 2002, and 1.68 per cent (n=2 595 254) for 2004 of all studied prescriptions for the research periods 2001, 2002, and 2004 respectively, contained ARV drugs. ARV drugs constituted 0.33 per cent (n=2 951 326) for 2001, 0.87 per cent (n=4 042 145) for 2002, and 1.92 per cent (n=5 305 882) for 2004 of the total number of medicine items prescribed for the study years 2001, 2002 and 2004 respectively. The total cost of ARV drugs amounted to R4 990 784.29, thus constituting 1.31 per cent of the total cost (R379 708 489) of all medicine items on the database for 2001, increased to R18 235 075.75, thus constituting 3.03 per cent of the total cost (R601 350 325) of all medicine items on the database for 2002, and increased to R34 714 483.64, thus constituting 5.25 per cent of the total cost (R661 223 146) of all medicine items on the database for 2004. It was found that 35.31 per cent (n=5 599) for 2001, 52.68 per cent (n=15 004) for 2002, and 74.27 per cent (n=43 482) for 2004 of all studied antiviral prescriptions for the research periods 2001, 2002, and 2004 respectively, contained ARV drugs. ARV drugs constituted 46.25 per cent (n=21 183) for 2001, 70.20 per cent (n=50 246) for 2002, and 85.87 per cent (n=118 718) for 2004 of the total number of antiviral medicine items prescribed for the study years 2001, 2002 and 2004 respectively. The total cost of ARV medicine items, represented 67.33 per cent (n=R4 990 784.29) during 2001, 84.72 per cent (n=R18 235 075.75) during 2002, and 91.20 per cent (n=R34 714 483.64) during 2004 of the total cost of all antiviral medicine items claimed through the database (n=R7412577.73 for 2001, n=R21523365.56 for 2002, and n=R38 064 347.38 for 2004). The average cost per ARV medicine items for 2004 increased from R317.93i190.80 for the period January to April to R369.2W219.50 for the period May to August, and decreased to R324.79±212.48 for the period September to December and resulted in a cost saving of R41 044.35 for the period May to August versus September to December for the ARV medicine items. The implementation of the pricing regulations could thus be a possible reason for this cost saving, due to fact that the single exit price only came into effect from May 2004. The weighted average number of ARV medicine items per prescription was 1.75*0.31 for 2001, increased to 2.35±0.03 to 2002 and remained stable on 2.35±0.02 for 2004. It was found that majority of prescriptions contained more combination ARV medicine items than single ARV medicine items, ranging from 6 834 (69.76 per cent; n=9 796) prescriptions containing combination ARV medicine items in 2001 and 32 941 (93.39 per cent; n=35 271) prescriptions containing combination ARV medicine items in 2002 to 98 805 (96.93 per cent; n=101 938) prescriptions containing combination ARV medicine items in 2004. Lastly, it was perceived that didanosine was the active ingredient with the largest prevalence for all three four-month periods of 2001 and also for the periods January to April and May to August of 2002, whilst efavirenz represented the active ingredient with the largest prevalence for the period September to December of 2002, and also for all three four-month periods of 2004. Didanosine represented the active ingredient with the highest total cost for the period January to April of 2001, whilst the combination of lamivudine/zidovudine represented the active ingredient with the highest total cost for the periods May to August and September to December of 2001, and also for all three-four month periods of 2002 and 2004. Nelfinavir has the highest average cost for period January to April of 2001, ritonavir for period May to August of 2001, and saquinavir mesylate for period September to December of 2001. Nelfinavir has the highest average cost for all three-four month periods of 2002, while didanosine has the highest average cost for all three four-month periods of 2004. / Thesis (M.Pharm. (Pharmacy Practice))--North-West University, Potchefstroom Campus, 2006

Financial ratios are key units of analysis in most quantitative financial research including bankruptcy prediction, performance and efficiency analysis, mergers and acquisitions, and credit ratings, amongst others. Since hundreds of ratios can be computed using available financial data and given the substantial overlap in information provided by many of these ratios, choosing amongst ratios has been a significant issue facing practitioners and researchers. An important contribution of the present thesis is to show that ratios can be arranged into groups where each group describes a separate financial aspect or dimension of a given firm or industry. Then by choosing representative ratios from each group, a small, yet comprehensive, set of ratios can be identified and used for further analysis. Whilst a substantial part of the financial ratio literature has focused on classifying financial ratios empirically and on assessing the stability of the ratio groups over different periods and industries, relatively little attention has been paid to the classifying of financial ratios of the banking sector. This study aims to explore the classification patterns of 56 financial ratios for banks of different type, size and age. Using data from the Uniform Bank Performance Report (UBPR), large samples of commercial, savings, and De Novo (newlychartered) commercial banks were obtained for the period between 2001 and 2005, inclusive. Principal Component Analysis (PCA) was performed on a yearly basis to classify the banks' ratios after applying the inverse sinh transformation to enhance the distributional properties of the data. The number of patterns were decided using Parallel Analysis. The study also uses various methods including visual comparison, correlation, congruency, and transformation analysis to assess the time series stability and cross-sectional similarity of the identified ratio patterns. The study identifies 13 or 14 ratio patterns for commercial banks and 10 or 11 ratio patterns for savings banks over the period on which the study is based. These patterns are generally stable over time; yet, some dissimilarity was found between the ratio patterns for the two types of banks – that is, the commercial and savings banks. A certain degree of dissimilarity was also found between the financial patterns for commercial banks belonging to different asset-size classes. Furthermore, four ratio patterns were consistently identified for the De Novo commercial banks in the first year of their operations. However, no evidence of convergence was found between the ratio patterns of the De Novo commercial banks and the ratio patterns of the incumbent (that is, long established) commercial banks. The findings of this study bring useful insights particularly to researchers who employ bank financial ratios in empirical analysis. Methodologically, this research pioneers the application of the inverse sinh transformation and parallel analysis in the area of the ratio classification literature. Also, it contributes to the use of transformation analysis as a factor comparison technique by deriving a significance test for the outputs of this analysis. Moreover, this is the only large scale study to be conducted on the classification patterns of bank financial ratios.

Electoral Rules and Leader Selection: Experimental Evidence from Ugandan Community Groups. Despite a large body of work documenting how electoral systems affect policy outcomes, less is known about their impact on leader selection. We study this by comparing two types of participatory decision making in Ugandan community groups: (i) vote by secret ballot and (ii) open discussion with consensus. Random assignment allows us to estimate the causal impact of the rules on leader types and social service delivery. Vote groups are found to elect leaders more similar to the average member while discussion group leaders are positively selected on socio-economic characteristics. Further, dropout rates are significantly higher in discussion groups, particularly for poorer members. After 3.5 years, vote groups are larger in size and their members save less and get smaller loans. We conclude that the secret ballot vote creates more inclusive groups while open discussion groups favor the already economically successful. Preparing for Genocide: Community Meetings in Rwanda. How do political elites prepare the civilian population for participation in violent conflict? We empirically investigate this question using data from the Rwandan Genocide in 1994. Every Saturday before 1994, Rwandan villagers had to meet to work on community infrastructure. The practice was highly politicized and, according to anecdotal evidence, regularly used by the political elites for spreading propaganda in the years before the genocide. This paper presents the first quantitative evidence of this abuse of the community meetings. To establish causality, we exploit cross-sectional variation in meeting intensity induced by exogenous weather fluctuations. We find that an additional rainy Saturday resulted in a five percent lower civilian participation rate in genocide violence. Selection into Borrowing: Survey Evidence from Uganda. In this paper, I study how changes to the standard credit contract affect loan demand and selection into borrowing, using a representative sample of urban micro enterprises, most with no borrowing experience. Hypothetical loan demand questions are used to test whether firm owners respond to changes in loans' contractual terms and whether take-up varies by firms' risk type and other firm owner characteristics. The results indicate that contracts with lower interest rates and less stringent collateral requirements attract less risky borrowers, suggesting that there is scope for improvement of standard financial contract terms. Credit Contract Structure and Firm Growth: Evidence from a Randomized Control Trial. We study the effects of credit contract structure on firm outcomes among small and medium sized firms. A randomized control trial was carried out to distinguish between some of the key constraints to efficient credit use connected to the firms' business environment and production function, namely (i) backloaded returns (ii) uncertain returns and (iii) indivisible fixed costs. Each firm was followed for the 1-year loan cycle. We describe the experiment and present preliminary results from the first 754 out of 2,340 firms to have completed the loan cycle. Firms offered a grace period have higher profits and higher household income than firms receiving a rebate later on as well as the control group. They also increased the number of paid employees  and reduced the number of unpaid employees, an effect also found among firms that received a cash subsidy at the beginning of the loan cycle. We discuss potential mechanisms behind these effects.

In a developing oil-based economy like Libya the availability of finance is largely affected by the availability of oil revenues which are subjected to disturbances and shocks. Therefore, the decision to save and invest a certain ratio of the country's aggregate output is, to large extent, determined (and affected) by the shocks in the oil markets rather than the requirements of economic development. In this study an attempt is made to determine the optimal rate of saving and investment, both defined as a ratio of the aggregate output, according to the requirements of economic development. For this purpose, a neo-classical Ramsey-type model for Libya is constructed and applied to obtain theoretically and empirically the optimal saving and investment rate during the period (1965-1991). The results reveal that Libya was investing over the optimal level during the oil boom of 1970s and less than the optimal level during the oil crisis of 1980s. In addition, an econometric investigation of the determinants of actual investment by sector (agriculture, non-oil industry, and services) is carried out in order to shed lights on how possible it is for Libya to adjust actual investment towards its optimal level. It is found that, as expected, the most important factor which can be used in this respect is the oil revenues or, generally, the availability of finance. In addition, the study reveals that investment in agriculture is associated, during the period of study, with a very low marginal productivity of capital whereas marginal productivity was higher in both non-oil industry and services. Finally, the study investigates also the future potential saving and investment rates and concludes that the economy, which has already reached its steady state, can be pushed out towards further growth if the economy can be able to increase the level of per worker human capital, proxied by the secondary school enrolment as a percentage of population.

Because of the harsh climate of Saudi Arabia, residential buildings on average, consume more than half of the total consumed energy. A substantial share of energy goes to the air-conditioning of buildings. Cooling buildings during summer is a major environmental problem in many Middle Eastern countries, especially since the electricity is highly dependent on fossil fuels. The aim of this study is to obtain a clearer picture of how various measures on the building envelope affects the buildings energy consumption, which can be used as a tool to save energy for buildings in the Middle East. In this study, different energy efficiency measures are evaluated using energy simulations in IDA ICE 4.7 to investigate how much energy can be saved by modifying the building envelope. A two-storey residential building with 247 m2 floor area is used for the simulations. The measures considered are; modifications of the external walls, modification of the roof, window type, window area/distribution, modification of the foundation, shading, exterior surface colour, infiltration rate and thermal bridges. All measures are compared against a base case where the building envelope is set to resemble a typical Saudi Arabian residential. First, all measures are investigated one by one. Thereafter, combinations of the measures are investigated, based on the results from single measure simulations. All simulations are carried out for two cities in Saudi Arabia, both with arid desert climate. Riyadh (midlands) with moderately cold winters and Jeddah (west coast) with mild winter. The results from simulations of single measures show the highest energy savings when changing the window type from single clear glass to double glass with reflective surface saving 27 % energy (heating & cooling) in Riyadh and 21 % in Jeddah. Adding insulation to an uninsulated roof saved up to 23 % and 21 % energy for Riyadh respectively Jeddah. Improvements of the thermal resistance of the exterior walls show 21 % energy savings in Riyadh and only 11 % in Jeddah. Lowering the window to wall ratio from 28 % to 10 % and changing the window distribution results in 19 % (Riyadh) and 17 % (Jeddah) energy savings. Adding fixed shades saves up to 8 % (Riyadh) and 13 % energy (Jeddah) when dimensioned for the peak cooling load. Using bright/reflective surface colour on the roof saves up to 9% (Riyadh) and 17 % (Jeddah) when the roof is uninsulated. For the exterior walls, bright/reflective surface saves up to 5 % (Riyadh) and 10 % (Jeddah) when the walls are uninsulated. The other single measures investigated show less than 7 % energy savings. The results for combined measures show the highest energy savings for two combined measures when improving the thermal resistance of the exterior walls and changing window area/distribution saving up to 52 % (Riyadh) and 39 % (Jeddah). When performing three measures the addition of improved thermal resistance and reflectance of the windows resulted in the highest energy savings, saving up to 62 % (Riyadh) and 48 % (Jeddah). When adding a fourth measure, improving the thermal resistance of the slab shows the highest energy savings, 71 % (Riyadh) and 54 % (Jeddah). Applying all measures on the building envelope results in 78 % (Riyadh) and 62 % (Jeddah) energy savings. Significant energy savings can be achieved with measures on the building envelope. Major savings can be made by adding only 50-100 mm of insulation to the exterior walls and roof. Decreased window area and improvements on the thermal resistance and reflectance on the windows result in significant energy savings. Energy savings achieved with shadings and reflective surface colours decrease significantly when the thermal resistance of the roof and external walls are improved. All measures concerning thermal resistance have a higher impact in Riyadh than in Jeddah due to that a large part of the total heating and cooling is air handling unit (AHU) cooling in Jeddah. AHU cooling is not affected significantly by measures on the building envelope. To optimise energy savings, measures on the building envelope should be considered in combination with measures concerning the AHU. / På grund av det hårda klimatet i Saudiarabien, konsumerar bostadshus mer än hälften av den totala energi som förbrukas. En stor del av den förbrukade energin går till luftkonditionering. Kylningen av byggnader är ett stort miljöproblem i många länder i Mellanöstern, särskilt eftersom elektriciteten till stor del är helt beroende av förbränning av fossila bränslen. Syftet med denna studie är att få en tydligare bild av hur olika åtgärder på klimatskalet påverkar byggnaders energiförbrukning. Tanken är att resultaten ska kunna användas som ett hjälpmedel vid design av mer energieffektiva byggnader i Mellanöstern. I denna studie är olika energieffektivitetsåtgärder utvärderade med hjälp av energisimuleringar i IDA ICE 4.7 för att undersöka hur mycket energi som kan sparas genom att modifiera klimatskalet. Ett bostadshus med 247 m2 golvyta i två våningar används för simuleringarna. De åtgärder som övervägs är; modifieringar av ytterväggar, modifiering av tak, fönstertyp, fönster area/ distribution, modifiering av fundamentet, skuggning, ytskikt, infiltration och köldbryggor. Alla åtgärder jämförs mot ett Base Case där klimatskalet är inställt för att likna en typisk bostad i Saudiarabiens. Först undersöks alla åtgärder en åt gången. Därefter undersöks kombinationer av de studerade åtgärderna, baserat på resultat från simuleringar av enskilda åtgärder. Alla simuleringar utförs för två städer i Saudiarabien, både med torrt ökenklimat. Riyadh (inlandet) med måttligt kalla vintrar och Jeddah (västkusten) med mild vinter. Resultatet från simuleringar av enskilda åtgärder visar högst energibesparing när fönstertypen byts ut från enkelt klarglas till dubbelt reflekterande glas. Med byte av fönstertyp sparas upp till 27 % energi (uppvärmning och kylning) i Riyadh och 21 % i Jeddah. Att isolera taket sparar upp till 23 % och 21 % för Riyadh respektive Jeddah. Förbättrat värmemotstånd i ytterväggarna resulterar i upp till 21 % energibesparing i Riyadh och endast 11 % i Jeddah. Minskning av fönsterarean från 28 % av väggytan till 10 % och omplacering av fönsterna ger19 % (Riyadh) och 17 % (Jeddah) energibesparingar. Solavskärmning med hjälp av fasta skärmtak och fenor sparar 8 % (Riyadh) och 13 % energi (Jeddah) när de är dimensionerad för maximalt kylbehovet. Använda ljus/reflekterande yta på taket sparar upp till 9 % (Riyadh) och 17 % (Jeddah) när taket är oisolerad. För ytterväggar, sparar ljust/reflekterande ytskikt upp till 5 % (Riyadh) och 10 % (Jeddah) när väggarna är oisolerad. De övriga enskilda åtgärderna som undersökts visar mindre än 7 % energibesparing. Resultaten för kombinerade åtgärder visar högst energibesparingar för två kombinerade åtgärder när ytterväggens värmemotstånd förbättras tillsammans med mindre fönsterarea och ändrad fönsterplacering. De två åtgärderna sparar upp till 52 % energi i Riyadh och 39 % i Jeddah. När tre åtgärder utförs, fås den högsta energibesparingen med de två åtgärderna ovan med tillägg av förbättrade fönster med lägre u-värde och högre reflektants. Tillsammans resulterar de tre åtgärderna i en energibesparing upp till 62 % för Riyadh och 48 % för Jeddah. När man lägger till en fjärde åtgärd, fås den högsta besparingen med tillägg av förbättrat u-värde på grunden till de tre tidigare åtgärderna. De fyra åtgärderna sparar upp till 71 % energi i Riyadh och 54 % i Jeddah. Tillämpning av alla åtgärder på klimatskalet resulterar i 78 % (Riyadh) och 62 % (Jeddah) energibesparing. Betydlig reducering av energianvändningen kan uppnås med åtgärder på byggnadens klimatskal. Stora besparingar fås med endast 50 – 100 mm isolering i ytterväggar och tak. Att minska fönsterarean och förbättra fönsternas u-värde och reflektivitet bidrar till stora energibesparingar.  Besparingarna som fås vid solavskärmning och reflektiva ytor på tak och väggar minskar signifikant när taket och ytterväggarna isoleras. Alla åtgärder som förbättrar u-värdet på klimatskalet har en större inverkan i Riyadh än i Jeddah på grund av att en större andel av total uppvärmning och kylning upptas av kylning av inkommande luft i ventilationen. Energin som behövs för att kyla inkommande luft påverkas inte nämnvärt av åtgärderna på klimatskalet. För att optimera energibesparingarna ytterligare, bör åtgärder på klimatskalets övervägas tillsammans med energieffektivitetsåtgärder av ventilationen.

This thesis takes three different perspectives, using theoretical and experimental techniques, on time-inconsistent preferences and how the existence of multiple selves can affect both consumer behaviour and policy design. Across domains such as retirement saving, health, and educational achievement, intertemporal choice presents a challenge for both individuals and policymakers. The first paper, 'Choosing When to Nudge: Designing Behavioural Policy around Decision-Making Costs,' considers how behavioural policy, which has proven increasingly popular with policymakers, affects welfare. I find that for present-biased consumers, behavioural policies help some consumers but can inefficiently discourage others from optimizing. Such policies therefore have an ambiguous effect on welfare, and similar to traditional policies, can impose equity-efficiency tradeoffs. Monopolies may increase welfare given their incentive to simplify consumer decisions instead of exploit switching costs. The second paper, 'Virtue and Vice with Endogenous Preferences,' considers behaviour when preferences are affected by consumer decisions. I introduce agents whose temptation to consume in the present is affected by how much they choose to save for the future. I find that differences between agents can trap them in divergent paths of self-improvement -- saving more, they value the future more, making saving optimal -- or binging -- consuming more makes them indifferent to future costs, making consumption optimal. At the extreme, it is frequently an optimum for a consumer to consume their entire wealth. The final paper, 'Bet You Can't Eat Just One: Consumption Complementarity and 'Self'-Control' considers an intrapersonal game between a moderate cold self and a hot self that wants to indulge. In equilibrium, sophisticated selves best respond to each other's behaviour: the cold self over-abstains and the hot self over-indulges to avoid inducing the other state. I test these ideas in the lab, and find that subjects on a diet who were induced to consume a piece of chocolate before the experiment indulge more in chocolate during the experiment, even when the initial indulgence was imposed by the experimenter. Eating a piece of chocolate, this suggests, can induce a period during which chocolate is more appealing.

Ce travail de recherche vise à appréhender les effets engendrés à terme sur la gestion urbaine de l'eau par le développement progressif de la pratique de récupération et d'utilisation de l'eau de pluie (RUEP), et plus particulièrement sur l'alimentation en eau potable. Il est réalisé de manière prospective à l'échelle de l'agglomération parisienne. Plus largement, cette recherche constitue une contribution au débat ouvert depuis quelques années relatif à la remise en question progressive du modèle centralisé de gestion de l'eau en milieu urbain. Après une description de la pratique urbaine de REUP, ce travail établit un état de l'art des outils et des méthodes scientifiques s'y rapportant, et suggère de se focaliser sur le développement d'une approche de changement d'échelles. L'objectif est de produire, à une échelle urbaine, une estimation significative des économies d'eau potable réalisables en substituant à celle-ci de l'eau de pluie récupérée pour des usages ne requérant pas une qualité d'eau alimentaire. Pour ce faire, nous proposons une approche basée sur l'évaluation séquentielle à l'aide d'une échelle intermédiaire (la commune), d'une logique de regroupement de bâtiments aux caractéristiques comparables au regard de la RUEP et de quatre principes (distinction, agrégation, majoration, hiérarchisation).Sur l'agglomération de Paris, la méthodologie mise en œuvre montre que l'eau de pluie récupérée est susceptible de représenter un potentiel équivalent à 65% des besoins en eau non potable et à 11% du volume d'eau potable distribué. Le travail met également en évidence que le secteur résidentiel constitue le gisement principal de ce potentiel, car il détient 2/3 du potentiel global de l'agglomération. Une première analyse du système d'acteurs impliqués dans la RUEP en milieu urbain complète ce travail. Cette analyse permet de dégager un sous ensemble particulier d'acteurs qui ont la capacité d'effectuer une action « levier » sur la diffusion de cette pratique sur une échelle urbaine, soit directement en raison de leur capacité d'action collective (un ensemble de bâtiments par exemple), soit indirectement au travers de leur capacité d'influencer sur les propriétaires des bâtiments (mécanismes d'incitation notamment).Au final, ce travail permet de situer la RUEP en milieu urbain au sein du débat général portant sur les mutations que connaît la ville d'aujourd'hui / This research aims at assessing the effects generated, on management of urban water in the long term, by progressive development of rainwater harvesting (RWH), and more particularly on the drinking water supply. It is carried out in a prospective way on the scale of Paris and its suburbs. On the whole, this research contributes to a controversy about the validity of a centralized model of management of water in an urban environment. After a description of the RWH in urban areas, this report presents state of the art tools and scientific methods, and focuses on the development of a scaling approach. The objective is to produce, a significant assessment of potential potable water savings (PPWS), on an urban scale by substituting part of it by rainwater recovered for uses which do not require such quality. With this aim, we propose an approach based on sequential evaluation using an intermediate scale (the municipality), on merging of buildings with similar characteristics related to RWH and four methodological principles (modeling, aggregation, increase, Ranking strategy)Applied to the Paris agglomeration, the implemented methodology shows that the recovered rainwater volume is likely to represent a potential equivalent of 65% of the demands for non-drinking water and of 11% of the drinking water distributed. This research also highlights that the residential sector constitutes the major contribution of this potential, because it holds 2/3 of the total potential to the Paris agglomeration. The first analysis of the system of actors implied in the RWH in urban environment has also been developed. This analysis makes it possible to identify a specific subset of actors who have the capacity to carry out an “lever” action in generalizing this practice on an urban scale, either directly because of their capacity of leading a collective action (for a set of buildings for example), or indirectly through their capacity to act on the owners of the buildings (by incentive mechanisms in particular).Finally, this work positions RWH in on urban environment within the general debate related to the evolution of present cities