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<p>In South Africa, as in many developing countries, most households are poor and do not save, as a result of which they do not acquire any positive net worth and which also constrains access to formal means of finance. South Africa is a consuming nation, with increasing ratios of household consumption resulting in dissaving and often unsustainable levels of household debt, which is also stimulated by the current lower level of interest rates. This situation is worse amongst poorhouseholds who also often experience financial shocks, for instance because of the death of family membersas a result of HIV/AIDS. This report provided an overview of household saving in South Africa for the period 1983 to 2003. It identified the main factors responsible for the lack of a commitment to saving which are particularly relevant in the case of poor households.</p>

Magister Economicae - MEcon / In South Africa, as in many developing countries, most households are poor and do not save, as a result of which they do not acquire any positive net worth and which also constrains access to formal means of finance. South Africa is a consuming nation, with increasing ratios of household consumption resulting in dissaving and often unsustainable levels of household debt, which is also stimulated by the current lower level of interest rates. This situation is worse amongst poorhouseholds who also often experience financial shocks, for instance because of the death of family membersas a result of HIV/AIDS. This report provided an overview of household saving in South Africa for the period 1983 to 2003. It identified the main factors responsible for the lack of a commitment to saving which are particularly relevant in the case of poor households. / South Africa

The incremental awareness ofenvironmental issues and sustainability has shifted the retail industryin past years. Consumers are increasingly demanding for sustainable products and services and consequently, companies need to address customers’ demands to maintain their profitability. One of the most sustainable consumption patterns is thrift shopping which has several economic, social, and environmental benefits. Despite the huge sustainable benefits of secondhand shopping,only a few studies investigated the behavior of thrift shoppers to identify determinants or barriers to their secondhand purchase behavior. This study is going to address this gap in the literature by extending the theory of planned behavior in the context of secondhand shopping. This leadsto three research questions which provide a strong theoretical and practical contribution to the secondhand shopping literature:RQ1: How large is the gap between the intention and the behavior of consumers buying secondhand products?RQ2: Is the gap more contributed by those who intend to buy them while they do not so, or those who intend not to buy them but do so?RQ3: What are the determinants ofpurchasing secondhand products?This study aims at investigating Swedish consumers’ secondhand purchasing behavior regardingsecondhand household durables. A quantitative research approach was adopted using a self-administered survey among 179respondents.The main findings of this study state that there is a positive gap between secondhand purchase intention and behavior. Inclined abstainers whose intention to buy secondhand products is higher than their thrift shopping behavior coverthe largestshare of the respondent in this study. Additionally, the results of this study posit that thrift shoppers’ attitude toward used goodsand thrift shopping, their past experience of secondhand shopping, social norms and peer pressure, trust in the performance of used products, product availability and shoppers’ access to thrift stores, and thrift shoppers’ perceived value are the positive determinants of thrift shopping behavior through the mediation role of purchase intention. Conversely,thethrift shoppers’ perception of the risks associated with used products negatively impacts on their secondhand shopping behavior.

Thesis (M. Tech.: Marketing)-Dept. of Marketing, Durban University of Technology, 2006 xiii, 153 leaves / Many people have used the term “charity shop” without having a clear understanding of it, even although there are numerous articles and a previous research survey about charity shops in the UK, Canada and Australia. It seems that no research has been done in South Africa on this particular topic. Also, the confusion that surrounds consumer perceptions of charity shops highlights the need for marketers to conduct more research on this particular area. The following study was conducted within the South African marketplace, specifically in four Durban areas, using quantitative research methods. The main objective of the research was to determine consumer perceptions of charity shops in the Durban area and the factors influencing these perceptions.

Thesis (M. Tech.: Marketing)-Dept. of Marketing, Durban University of Technology, 2006 xiii, 153 leaves / Many people have used the term “charity shop” without having a clear understanding of it, even although there are numerous articles and a previous research survey about charity shops in the UK, Canada and Australia. It seems that no research has been done in South Africa on this particular topic. Also, the confusion that surrounds consumer perceptions of charity shops highlights the need for marketers to conduct more research on this particular area. The following study was conducted within the South African marketplace, specifically in four Durban areas, using quantitative research methods. The main objective of the research was to determine consumer perceptions of charity shops in the Durban area and the factors influencing these perceptions.

Att flera datorer används för att gemensamt lösa problem är inte någonting nytt. Det finns många distribuerade system i bruk och många olika lösningar för hur dessa ska kommunicera med varandra. Vissa använder sig av meddelande-orienterade lager för kommunikation vilket det finns väldigt många implementationer av. RabbitMQ är ett exempel där att kommunikation går genom en (eller ett kluster av) central nod och kommunicerar med hjälp av protokollet Advanced Message Queue Protocol, AMQP. I en helt annan kategori finns ZeroMQ som inte definierar någon central nod för all kommunikation att passera utan peer to peer är istället möjlig vilket innebär snabbare responstider men försvårar hur olika klienter hittar till varandra. Det bloggindexerande företaget Twingly kör idag med ett distribuerat system som använder flera olika kösystem för att koordinera ut arbete till de olika datorerna. De vill kolla närmare på hur de kan bygga sitt system med hjälp av meddelande-orienterade lager. Resultatet av arbetet är att RabbitMQ innebär mindre komponenter att hålla reda på vilket innebär att koden blir mindre komplex. Det som kommer gratis med att använda RabbitMQ är just att klienterna inte behöver känna till varandra utan endast behöver känna till RabbitMQ-servern. Nackdelen är att RabbitMQ-servern kommer bli en flaskhals för systemet. ZeroMQ är däremot friare att implementera den funktionalitet man själv behöver vilket är till fördel i de fall tid och pengar finns för att skapa ett eget system byggt ovanpå ZeroMQ. För Twingly som vill ha ett system inom en snar framtid är RabbitMQ ett bättre val av dessa två alternativ.

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The financial crisis facing the United States savings and loan industry has been steadily escalating over the last decade. During this time, accounting treatments concerning various thrift institution transactions have also attracted a great deal of attention. The specialized accounting treatments used in the thrift industry, known as regulatory accounting practices (RAP) have been blamed as one of the culprits hindering the regulators' ability to detect serious financial problems within many institutions. Accordingly, RAP was phased out, and all federally insured savings and loan associations began preparing their financial statements in accordance with generally accepted accounting principles (GAAP) as of January 1, 1989. The purpose of this dissertation is to compare the relative predictive values of the two historical cost based accounting conventions (RAP and GAAP) available to the savings and loar? industry during the 1980's. For purposes of this dissertation, predictive value is defined as the usefulness in assessing future financial health and viability. The sample consisted of all the institutions reporting to the Federal Home Loan Bank of Dallas between 1984 and 1989. Year-end thrift financial report data, obtained from Sheshunoff Information Services, Inc. (Austin, Texas) was used to calculate several financial ratios. The Federal Home Loan Bank of Dallas provided a comprehensive listing of all institutions that failed between January 1, 1985 and March 31, 1989. The null hypothesis tested in this study was: no significant differences existed between the predictive values of RAP and GAAP financial statements. Using a dichotomous dependent variable (failed/not failed) and independent variables from prior research, several multinomial logistic models were developed to test the null hypothesis. All models developed failed to reject the null hypothesis.

The aim of this thesis is to explore consumer perceptions regarding the emerging trend among traditional clothing stores in Gothenburg, Sweden, where a section of their retail space is dedicated to reselling pre-loved clothing. Additionally, it seeks to investigate the factors influencing consumers' preference for these sections over conventional thrift stores. Employing a qualitative approach, the study conducts 10 shop-along sessions comprising semi-structured interviews and unstructured observations in four traditional clothing stores, each featuring an integrated pre-loved section. The theoretical framework encompasses consumer value theory, supplemented by the Means-End Chain Theory, which is utilized to analyze the findings. Results reveal a positive response from participants toward pre-loved initiatives, indicating an overall favorable perception. Findings show that consumers perceive pre-loved initiatives as multiple valuable, including economic savings, functional quality, social value, and an enjoyable, empowering, and satisfying experience. Furthermore, various factors such as curated pieces, well-organized sections, unique garments, and diverse assortments influence consumers, leading to different consequences and values such as feeling efficient, self-fulfillment/self-expression, and enjoyment, thus favoring pre-loved initiatives over conventional thrift stores. In conclusion, the study sheds light on the growing preference for pre-loved initiatives among consumers in traditional clothing stores.