This research analyzes the relationship between company performance and image and whether it has an impact on loyalty. Using a quasi-experimental model based on established research in consumer attitude formation and brand relationship marketing, the thesis rejects the popular notion that individual signals sent by companies affect consumer loyalty directly. Rather, this thesis demonstrates that the effects of image and performance and their impact on consumer attitudes do have an effect on consumer trust and perceived value, which are primary drivers of loyalty. This research suggests that while singular incidents are not enough to alter consumer loyalty, over time the impact of these signals may carry over through trust and value. Meanwhile, marketing managers should focus on activities that foster trust and value as opposed to positive brand image.

No description available.

No description available.

Long term asset creates more revenue, however it is riskier in a liquidity sense. Our question is: How does a liquidity constrained bank make decisions between profitability and liquidity? We present a computable DSGE model of banks optimal portfolio choices under liquidity constraints. Our theory predicts that liquidation plays an important role in a bank's portfolio model. Even though liquidation is an off-equilibrium phenomenon, banks can have rich loan portfolios due to the possibility of liquidation. Liquidity condition is a key factor in banks portfolio. In a moderate liquidity situation, a bank can lend more profitable longer term loans, however, if a shock in liquidity is expected, then the bank lends more loans in short term. According to the liquidity conditions, the bank can have medium term loans which are different from other previous literature. In addition, we extend our model to the bank's securities business where the bank's debts are largely short term deposit. Our theory predicts that the bank securities business produces a chasm between a real liquidity of economy and market liquidity. Banks can have more liquidity by selling their securitized loans, and as our model already pointed out, a good liquidity condition makes the bank have more profitable but less liquid long term loans. As a consequence, long term loans are accumulated with this securitization, simply because a long term loan gives higher revenue. Any market turbulence can invoke a problem in economy wide liquidity.

Thesis (PhD)--University of South Australia, 1997

Food banks are potent symbols of the prevalence of poverty and food insecurity in affluent countries, yet they have received very little academic attention in New Zealand. Previous food bank research in this country has mainly been instigated by the voluntary welfare sector and has focused on client characteristics and patterns of use. This study expands on these concepts in the local context from a socio-spatial perspective, and examines food banks from both a service provision and service user perspective. This study aims to: document the growth of the food bank industry and determine its role within the broader voluntary welfare sector; determine patterns and trends in usage; examine client characteristics, neighbourhoods and reasons for use; and discuss the implications of food bank use and how dependency on food banks may be reduced. This study examines non-identifiable socio-demographic and address data obtained for food bank clients (n=1695) from a large Christchurch social service agency for 2005. Data from a second large Christchurch social service agency is used to illustrate certain spatial and temporal trends. Additional interviews and questionnaires are conducted with staff and volunteers in the local food bank industry, and with the clients themselves. Results show that food bank use appears not to have decreased in recent years. Maori, sole parents/sole caregivers and beneficiaries are over-represented amongst food bank clients, while there is an apparent under-use of the food bank by other key groups. Poverty and food insecurity appears to be dispersed in Christchurch and is not confined to the most deprived neighbourhoods. A range of factors contributes to food insecurity and food bank use, with the main reasons relating to lack of income, household bills and unaffordable housing. Changes in macro social and economic policy, rather than increased client education, will contribute to a decrease in the need for food banks.

Zugl.: Bochum, Universiẗat, Diss., 2007.

Zugl.: Paderborn, Universiẗat, Diss., 2007.

Zugl.: Regensburg, University, Diss., 2007.

Zugl.: Duisburg, Essen, Univ., Habil.-Schr., 2004