Performance analysis in cellular networks is the determination of customer orientated grade-of-service parameters, such as call blocking and dropping probabilities, using the methods of stochastic theory. This stochastic theory analysis is built on certain assumptions regarding the arrival and service processes of user-offered calls in a network. In the past, cellular networks were analysed using the classical assumptions, Poisson call arrivals and negative exponential channel holding times, borrowed from earlier fixed network analysis. However, cellular networks are markedly different from fixed networks, in that, they afford the user a unique opportunity: the ability to communicate while on the move. User mobility and various other cellular network characteristics, such as customer-billing, cell· layout and hand·off mechanisms, generally invalidate the use of Poisson arrivals and negative exponential holding times. Recent measurements on live networks substantiate this view. Consequently, over the past few years, there has been a noticeable shift towards using more generalised arrival and service distributions in the performance analysis of cellular networks. However, two shortcomings with the resulting models are that they suffer from state space explosion and / or they represent hand off traffic as a state dependent mean arrival rate (thus ignoring the higher moments of the hand-off arrival process). This thesis's contribution to cellular network analysis is a moment-based approach that avoids full state space description but ensures that the hand-off arrival process is modelled beyond the first moment. The thesis considers a performance analysis model that is based on Poisson new call arrivals, generalised hand-off call arrivals and a variety of channel holding times. The thesis shows that the performance analysis of a cellular network may be loosely decomposed into three parts, a generic cell traffic characterising model, a generic cell traffic blocking model and a quality of service evaluation model. The cell traffic characterising model is employed to determine the mean and variance of hand-off traffic offered by a cell to its neighbour. The cell traffic-blocking model is used to detennine the blocking experienced by the various traffic streams offered to each cell. The quality of service evaluation part is essentially afued-point iteration of the cell traffic characterising and cell traffic blocking parts to determine customer orientated grade-of-service parameters such as blocking and dropping probabilities. The thesis also presents detailed mathematical models for user mobility modelling. Finally, the thesis provides extensive results to validate the proposed analysis and to illustrate the accuracy of the proposed analysis when compared to existing methods. / Thesis (Ph.D.)-University of Natal, Durban, 2000.

In today's globalised market, quality and productivity are essential for the survival and growth of any organisation. For service companies, the encounters between customers and company employees are a critical component of this service quality. These factors depend on the successful attraction and retention of customers. The customer has therefore become the focus for any successful business. Business success depends on organisat ions understanding and meeting customers ' expectations and demands. This study measures the dimensions of service encounters as perceived by customers of Vodacom Lesotho. The current level of service encounter quality and satisfact ion is measured for Vodacom Lesotho customers who use the company's contact centres (popularly known as Vodashops). The study reveals that customers are very keen to be involved in service improvement programs . Empirical testing identified that although the quality of network coverage is not part of the service encounter, it is very important in the customer satisfaction with the service encounter . This study has developed the following recommendations that will ensure the improvement of service encounters at Vodacom Lesotho: • Vodacom Lesotho needs to involve customers in their service design processes . • Front-line employees should be hired on their abilities to perform customer service encounters and they should continuously receive relevant training . • Customers need to be educated about the services offered by Vodacom Lesotho. The results of this study have supported the objectives of this study and it can be concluded that Vodacom Lesotho needs to improve service quality to ensure customer satisfaction . / Thesis (MBA)-University of Natal, 2003.

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The study aims to examine problems that hinder the creation of a sustainable Microfinance industry in Namibia. It looks into the assertion that certain Microfinance Institutions (MFIs) have problems that hinder them from being able to service clients and still be able to remain profitable. A Microfinance Institution (MFI) is defined as an institution that provides financial services to people and small and micro enterprises that do not have access to commercial bank loans. Categories are a credit union, savings and credit co-operatives (SACCOs), non- Governmental Organizations (NGOs), self-help organizations or specialized banks (Mushendami, Kaakunga, Amuthenu-Iyambo, Ndalikokule & Steytler, 2004). The study looks at three critical aspects of operational, regulatory and legislative framework. The current regulations that are in place are administered by the Namibia Financial Institutions Supervisory Authority (NAMFISA) and the Bank of Namibia, for the protection of clients against unscrupulous practices by MFIs. Out of 347 MFIs, a purposeful sample population was drawn and 34 Questionnaires administered due to time and financial constraints. The Questionnaires were distributed to MFIs and individuals in the industry. From these 25 responses were received during the survey. A descriptive statistical analysis was used in deciphering the data. The results are that the Namibian MFIs are new, but out of 11 factors, four were outliers, being the challenges of fraud, consumer education, lack of resources and high costs. The main recommendation is that the MFI industry must establish a fund through charging levies for client education and to look at the transparency of operations and costs to encourage both MFIs and clients to better understand the terms of engagement. Further recommendations include ensuring that MFIs develop products which meet the needs of clients in urban and rural context. Also to address the issue of lack of funding in the form of a strategy to arrange for exit strategies after donor withdrawal, in order for MFIs to survive based on their internal revenue base. Lastly, the regulatory environment in Namibia needs to be improved with the government introducing clearer principles for market participants. The government needs to become an enabler for the provision of financial services. / Thesis (MBA)-University of KwaZulu-Natal, Durban, 2012.

The combined environmental effects of technological change, increasing competition, new legislation and increasingly demanding consumers have created pressure within the financial services industry for change. One outcome has been a proliferation of new products in the marketplace. This research explores new product development within one subset of this industry -- building societies. By combining the new product development, service marketing and financial services literature, a foundation has been developed for an empirical study into the development practices and the characteristics of successful and unsuccessful new products. The determinants of success and failure for new product development have been examined utilizing a comparative methodology, and subsequently a discriminant model has been developed that successfully classifies successful and unsuccessful new products. By determining how new products are actually developed, the findings support previous claims that intangibility, inseparability, heterogeneity and perishability do have an effect on the development process. Further, the level of sophistication of the development activities is lower than in previously reported research. Notable variations from the development process for tangible new products are the inclusion of system design, system testing and personnel training stages. The majority of societies have been found to lack strategic integration of the development process, to apply different measures of success and to prefer qualitative market research techniques over quantitative approaches. As well, considerable variation exists in the organizational approaches used to manage the process, although organizational related variables were found to have a strong impact upon the predictability of a successful outcome for a new product.

In developing countries, especially in Bangladesh, poor people are excluded from the formal financial sector credit services through the collateral requirement to receive a loan. Informal financial sector sources, especially moneylenders, are exploitative in nature. Therefore, poor people do not receive the minimum amount of capital, which is required to start any income generating activity, from either of the financial sector sources. The Grameen Bank initiated the microcredit programme in Bangladesh around 1976, to alleviate the poverty of poor households through providing them with the minimum amount of capital as credit without collateral and exploitation. The present study evaluates the impact of microcredit on the poverty of borrowing households. Both quasi-experimental as well as non-experimental designs have been formulated to achieve the objective. The survey-design covers one group of households (programme households), which have already received more than one loan, and another group of households (comparison households), which have just joined the programme. This study goes beyond earlier studies by developing a comprehensive framework, which covers income, consumption, assets, basic-needs, living standards, entitlement, poverty, and poverty risk of households, for assessing the impact of microcredit on the poverty of borrowing households. This study uses both subjective as well as objective measures of poverty for determining the poverty status of households. The present study compares income, consumption, basic-needs, some proxies for living standards, poverty, and poverty risk of programme households with those of comparison households to assess impacts of microcredit. On the basis of the results obtained, the study argues that microcredit increases income, consumption, expenditure, and assets of borrowing households. Through increasing income and assets, microcredit enhances entitlement of borrowing households. Microcredit also improves fulfilment of basic-needs and living standards of borrowing households. Finally, this study argues that microcredit reduces poverty risk and alleviates poverty of borrowing households significantly.