Firm size, in and of itself, is hardly a "goal" of the regulators. Indeed, the growth of very large firms, and the increase in market concentration that accompanies it, will add to the debate over the adequacy of the regulator's management of the industry. It must be demonstrable that very large firms assist the regulators in attaining some of their espoused goals, goals that they might not attain otherwise. What have we learned? The evidence does not all point in one direction. On the question of whether large firms can deliver their services more efficiently than can small ones, our answer is that scale economies are not as easily demonstratable as others have concluded. Such economies turn out to be crucially dependent on the way in which they are specified in the cost function. An examination of the likely biases of each functional form suggests that only relatively small firms would experience real efficiency gains from growth. Large firms seem to be neither more nor less efficient than their smaller cousins, insofar as private costs reflect public costs. / Ph. D.

Thesis (MDF)--Stellenbosch University, 2012. / Union Régionale des Coopèratives d’Epargne et de Crédit (URCOOPEC) is a network of 10 savings and credit cooperatives, established in 1990 by UNDP in Chad to support the government’s strategy of strengthening and improving access to financial services to the population. All the cooperatives are located in and around N’djaména the capital city of Chad. URCOOPEC has developed as a microfinance model owned by the community that is able to help the poor population that is excluded from the formal financial services accessing these services. Despite its potential of reaching people even in remote areas, literature about previous studies in other countries has indicated that sustainability of savings and credit cooperatives is hampered by the issues in corporate governance, management, skills, product development amongst others. This study examines the viability of this model in the context of Chad; particularly it examines the conditions for which this model can better contribute to financial sector development in Chad. The findings reveal that the model was helpful and accepted by many users at its earlier stage. However, weaknesses in corporate governance, credit management and shortage of skills have led this URCOOPEC into difficulties. There is a need for training of technical staff and for the board to develop more products, sensitize the members about their rights and duties. URCOOPEC also needs financial support from government and donors as well as linkage with commercial banks to better contribute to the provision of financial services to the population.

M.Com. (Economics) / Please refer to full text to view abstract

The study is designed to assess the presence or absence of recognizable planning processes within the savings and loan industry in the Dallas/Ft. Worth metroplex. Planning processes found are analyzed as to their content and scope in order to describe them in as accurate a manner as possible.

Thesis (Ph. D.)--University of Chicago. / Includes bibliographical references. Also available on the Internet. Also issued online.

Thesis (Ph. D.)--University of Chicago. / Includes bibliographical references.

Thesis (doctoral)--Universiẗat Hamburg, 2005. / Includes bibliographical references (p. 297-314).

M.S.

The problems of this study may be stated as follows: (1) to show the various methods used by Virginia savings and loan associations in handling their delinquent accounts, (2) to determine by research their major advantages and disadvantages, and (3) to determine which methods or procedures would serve the best interests of the associations and their customers. Information concerning the current procedures and conditions were supplied by thirty (30) savings and loan officers, who answered questionnaires mailed to them. These replies represented over 50 per cent of the associations currently doing business in Virginia. In addition, selected representative associations were visited and operating personnel interviewed. The conclusions which were reached as a result of the analysis of the accumulated information have been stated. The study shows that procedures followed by the different savings and loan associations vary to a considerable extent and that innovation in management techniques would benefit many of these organizations. / Master of Science

Thesis. 1978. M.C.P.--Massachusetts Institute of Technology. Dept. of Urban Studies and Planning. / MICROFICHE COPY AVAILABLE IN ARCHIVES AND ROTCH. / Bibliography: leaves 150-153. / M.C.P.