Im Zuge der rasanten Verbreitung von Mikrokrediten und Mikrosparprodukten werden seit etwa einem Jahrzehnt auch Mikroversicherungen an einkommensschwache Haushalte in Entwicklungsländern verkauft. Sie stellen für diese Haushalte eine Möglichkeit dar, mit den Folgen von Risiken besser umzugehen und somit ihren Wohlstand zu steigern. Diese Arbeit verwendet quantitative und qualitative Analysemethoden – basierend auf eigenen Haushaltsumfragen und Fokusgruppendiskussionen –, um die Aufnahmebedingungen von Mikroversicherung in Ghana zu untersuchen. Die Ergebnisse zeigen erstens, dass über Standarddeterminanten der Versicherungsnachfrage hinaus Faktoren informeller Vertrauensbildung und die subjektive Risikoeinschätzung eine entscheidende Rolle spielen. Dies begründet sich in bestehenden Informationsasymmetrien und einer geringen Erfahrung mit dem Versicherungsprodukt und dem Versicherer. Ferner steht die Nutzung von Mikrolebensversicherung in einer sich verstärkenden Beziehung zu der Nutzung anderer formaler Finanzdienstleistungen. Zweitens wird deutlich, dass der Wert (Client Value), den die Zielgruppe in Mikroversicherung sieht, nicht allein auf Kosten- und Nutzenerwägungen basiert. Vielmehr spielen auch emotionale- und soziale Aspekte eine Rolle. Der Kundenwert wird dabei von Faktoren wie (geringen) Finanz- und Versicherungskenntnissen, der Beeinflussung durch die soziale Gruppe und dem Vergleich mit alternativen Risikomanagementstrategien beeinflusst. Drittens bestehen genderspezifische Muster in der Aufnahme von Mikrolebensversicherung, die mit dem Haushaltstyp und regional unterschiedlichen soziokulturellen Bedingungen zusammenhängen. Die Ergebnisse weisen darauf hin, dass Präferenzen bezüglich Lebensversicherung innerhalb von Haushalten variieren und die Wahrscheinlichkeit eines Versicherungskaufs mit wachsender Verhandlungsstärke der Frau zunimmt. Die Ergebnisse legen nahe, dass Frauen eine besonders wichtige Zielgruppe für Mikrolebensversicherungen sind. / Microinsurance has been the third financial service – following microcredit and microsavings - to enter emerging financial markets in the developing world. It is widely regarded as a promising innovation that could provide high welfare gains, given that low-income people often lack efficient strategies to manage and cope with risks. This thesis applies quantitative econometric and qualitative methods – based on own household and individual survey data and focus group discussions – to investigate participation patterns and perceived value in micro life insurance in Ghana. The results of this thesis show that household, first, uptake of micro life insurance does not entirely follow the predictions made by standard insurance theories. Informal trust-building mechanisms and subjective risk perceptions turn out to play an important role in the context of information asymmetries and limited experience with formal insurance. Furthermore, there is a mutually reinforcing relationship between micro life insurance and other formal financial services available in the rural and semi-urban study areas in Ghana. Second, the perceived value of microinsurance consists not only of the expected or experienced benefits and costs, but also of quality, emotional and social dimensions. Perceptions of high or low value are driven by large discrepancies between expectations and experiences, clients’ knowledge about insurance, their interaction with peers, and the availability and effectiveness of alternative risk management options. Third, there are gender-specific patterns of market participation between and within households that are intertwined with the household type and regionally varying sociocultural conditions. Spousal preferences on insurance differ and women with a higher bargaining power are more likely to purchase insurance on their own. The results suggest that women are an important target group for the provision of micro life insurance.

An exploratory case study research design was followed to explore and categorize 23 pre-service physics teachers’ understanding in the fields of superconductivity and nanotechnology at the Sultan Qaboos University in Oman. To elicit their responses, a five-stage categorical framework analysis was used. The five stages included identification of the thematic framework, familiarization, coding, placing the categories on a chart and finally, interpretation. A conceptual survey test (Conceptual Survey of Superconductivity and Nanotechnology) was administered to the pre-service physics teachers to form four independently homogenous ability focus groups. This was followed by focus group discussions whose data were analyzed to group their conceptions in both the epistemological as well as ontological categories. From the focus group discussions, six categories were considered from previous studies, namely; lateral alternative conceptions, ontological conceptions, naïve physics, Ohm’s p-primes, mixed conceptions and loose ideas. Since this was a pre-instructional study, naïve physics ideas and lateral alternative conceptions were dominant. Naïve physics refers to the untrained student or human perception of various physical phenomena while lateral alternative conception refers the misconceptions individuals have on ideas that may be inconsistent with scientifically acceptable facts. Findings indicate that the pre-service teachers’ conceptions deviated from canonical scientific concepts, are diversified and inconsistent. The knowledge on pre-instructional conceptions will influence the development of evidence-based pedagogy, which is fundamental to the development of an effective physics education curriculum. / Institute for Science and Technology Education (ISTE) / M. Sc. (Physics Education)

No description available.

Views on the nature and relevance of science education have changed significantly over recent decades. This has serious implications for the way in which science is taught in secondary schools, particularly with respect to teaching emerging topics such as biotechnology, which have a socio-scientific dimension and also require novel laboratory skills. It is apparent in current literature that there is a lack of adequate teacher professional development opportunities in biotechnology education and that a significant need exists for researchers to develop a carefully crafted and well supported professional development design which will positively impact on the way in which teachers engage with contemporary science. This study used a retrospective case study methodology to document the recent evolution of modern biotechnology education as part of the changing nature of science education; examine the adoption and implementation processes for biotechnology education by three secondary schools; and to propose an evidence based biotechnology professional development model for science educators. Data were gathered from documents, one-on-one interviews and focus group discussions. Analysis of these data has led to the proposal of a biotechnology professional development model which considers all of the key components of science professional development that are outlined in the literature, as well as the additional components which were articulated by the educators studied. This research is timely and pertinent to the needs of contemporary science education because of its recognition of the need for a professional development model in biotechnology education that recognizes and addresses the content knowledge, practical skills, pedagogical knowledge and curriculum management components.

This research study employs explorative and descriptive qualitative research conducted in a naturalistic environment to identify factors that drive children from their homes to the streets of Bulawayo city suburban in Zimbabwe. The research study answers the question: How do children`s experiences drive them from their homes and why do they decide to live on the streets of Bulawayo city centre? Literature search was conducted after data collection to confirm findings. Data collection was conducted at Thuthuka Street Children`s project where an increase in the number of registered street children has been observed. Purposive sample selection of street children was conducted. Selection criteria was based on the participant being registered with Thuthuka Street Children`s Project, for one year being on and off the streets and volunteer to participate. Ethical consideration such as fairness justice and honest were observed. Soundness to establish trustworthiness rather than validity, the following alternative constructs were applied, credibility, transferability, dependability, conformability and authenticity. Focus group discussions using a guide with open-ended questions were conducted to collect data from 12 street children, which was then analysed by coding into themes, notably forms of abuse such as emotional, physical, and sexual and neglect, poverty, deviant behaviour and future plans. Children went onto the streets because they suffered abuse, and/or wanted freedom without parental dominance and to acquire fast riches in the streets. Based on the conclusions, the research makes recommendations from the participants and the researcher to policymakers, non-governmental organisations, parents and social workers, to address this deep-seated problem. / Health Studies / M.A. (Public Health)

This research study employs explorative and descriptive qualitative research conducted in a naturalistic environment to identify factors that drive children from their homes to the streets of Bulawayo city suburban in Zimbabwe. The research study answers the question: How do children`s experiences drive them from their homes and why do they decide to live on the streets of Bulawayo city centre? Literature search was conducted after data collection to confirm findings. Data collection was conducted at Thuthuka Street Children`s project where an increase in the number of registered street children has been observed. Purposive sample selection of street children was conducted. Selection criteria was based on the participant being registered with Thuthuka Street Children`s Project, for one year being on and off the streets and volunteer to participate. Ethical consideration such as fairness justice and honest were observed. Soundness to establish trustworthiness rather than validity, the following alternative constructs were applied, credibility, transferability, dependability, conformability and authenticity. Focus group discussions using a guide with open-ended questions were conducted to collect data from 12 street children, which was then analysed by coding into themes, notably forms of abuse such as emotional, physical, and sexual and neglect, poverty, deviant behaviour and future plans. Children went onto the streets because they suffered abuse, and/or wanted freedom without parental dominance and to acquire fast riches in the streets. Based on the conclusions, the research makes recommendations from the participants and the researcher to policymakers, non-governmental organisations, parents and social workers, to address this deep-seated problem. / Health Studies / M.A. (Public Health)

Autonomes Fahren (AF) wird potenziell die Präferenzen für die im Auto verbrachte Zeit stark beeinflussen und dementsprechend den Wert der Reisezeit, der ein Schlüsselelement von Kosten-Nutzen-Analysen im Verkehr ist. Die Untersuchung dieses Aspekts des AF ist daher entscheidend für die Analyse potenzieller Auswirkungen der Technik auf die zukünftige Verkehrsnachfrage. Trotz der steigenden Anzahl an Studien zu diesem Thema, gibt es noch erhebliche Forschungslücken. Der Fokus der Dissertation ist die potenziellen Änderungen des Reisezeitwerts, die durch das AF entstehen, zu messen sowie ihre Determinanten zu analysieren. Es wurden sowohl qualitative Ansätze als auch quantitative Methoden verwendet. Dabei wurden zwei Konzepte von AF betrachtet: privates und geteiltes autnomes Fahrzeug. Die Ergebnisse der Analysen zeigen einen niedrigeren Wert der Reisezeitersparnis beim AF im Vergleich zum manuellen Fahren, allerdings nur auf Pendelwegen. Das private Fahrzeug wird als eine attraktivere Option als ein geteiltes Fahrzeug wahrgenommen, jedoch unterscheiden sich die Nutzerpräferenzen für geteilte Fahrzeug stark zwischen den durchgeführten Studien. Individuelle Charakteristiken, wie Erfahrung mit Fahrassistenzsystemen, beeinflussen stark die Wahrnehmung der Zeit im AF; andere sozio-demographischen Faktoren, wie Alter und Geschlecht haben vor allem einen indirekten Effekt auf den Reisezeitwert indem sie Einstellungen potenzieller Nutzer beeinflussen. Die Verbesserung des Fahrterlebnisses durch das AF und das Vertrauen in die Technik sind wichtige Determinanten der Reisezeitwahrnehmung. Fahrvergnügen und andere wahrgenommene Vorteile vom manuellen Fahren gleichen in einem gewissen Ausmaß den Nutzen vom AF aus. Es wurden Reisezeitwerte für unterschiedliche potenzielle Nutzersegmente berechnet. Abschließend wurden politische Implikationen, Empfehlungen für die Entwicklung von AF sowie Empfehlungen für künftige Studien und potenziellen Forschungsgebiete abgeleitet. / Autonomous driving will potentially strongly affect preferences for time spent in a vehicle and, consequently, the value of travel time savings (VTTS). As VTTS is a key element of cost-benefit analysis for transport, these interrelations are crucial for analysing the potential impact of the technology on future travel demand. Despite the increasing number of studies dedicated to this topic there are still many unanswered questions. The focus of the thesis is to measure potential changes in the VTTS resulting from the introduction of autonomous driving and analyse their determinants. Qualitative approaches and quantitative methods were used. Two concepts of AVs were considered: a privately-owned AV (PAV) and a shared AV (SAV). The analysis results suggest lower VTTS for autonomous driving compared to manual driving, but only on commuting trips. A PAV is perceived as a more attractive option than an SAV, but user preferences for SAVs vary between the conducted studies. Individual characteristics, such as experience with advanced driver assistance systems, strongly affect the perception of time in an AV; other socio-demographic factors, such as age and gender, affect mode choices and the VTTS mainly indirectly by influencing the attitudes of potential users. The improvement in travel experiences due to autonomous driving and trust in the technology are important determinants of the perception of travel time. Enjoyment of driving and other perceived benefits of manual driving partially counterbalance the utility of riding autonomously. VTTS for different potential user segments were calculated. In conclusion, several policy implications, development recommendations for AVs as well as recommendations for future studies and potential research avenues are derived from the findings.

Women throughout the world are suffering the brunt of HIV/AIDS. They carry the unenviable tag of being the suffering group who are at risk. Women's vulnerability to HIV/AIDS is a subject that has not received adequate attention to date. This empirical study examines the socio-cultural factors and practices that impede upon behavioural change of Zimbabwean women in an era of HIV/AIDS. Firstly, a sample of 1002 women respondents is purposefully drawn from the six major Zimbabwean ethnic groups to participate in this research study. A survey questionnaire is administered to respondents in the age group 18 to 59 years to quantify the levels and magnitude of the HIV/AIDS problem among women. Secondly, fifty in-depth interviews with key informants are conducted to assess the nature of the problem confronting and impeding upon women's quest to attain good reproductive health. Thirdly, six focus group discussions for each of the respective six ethnic groups are conducted with forty-eight mature women to understand broadly the concepts of the study. This study employs a combination of mainly qualitative and some quantitative methods of data collection and analysis, which is called triangulation. Underlying the methodology of this study is an overarching functionalist theoretical perspective, also referring to gender development theory which serves as the basis for data analyses. The main findings of this study include the view that power dynamics, gender roles and cultural practices have impacted negatively on women's quest to attain safe sexual behaviour. The problem of HIV/AIDS remains a complicated and awesome one among Zimbabwe's ethnic groups. For Zimbabwean women the HIV/AIDS problem begins with a total lack of control over sexual lives and behaviour of their husbands especially outside marriage. The women have noted that the majority stay faithful to their husbands and partners according to cultural prescriptions and roles, while their husbands do not comply. Women noted that cultural prescriptions in their various ethnic settings condone male infidelity but expect women to stay faithful to their partners. As a result it is found that women sometimes contract HIV/AIDS straight on their matrimonial beds. / SOCIOLOGY / Thesis (D. Phil. (Sociology))

Women throughout the world are suffering the brunt of HIV/AIDS. They carry the unenviable tag of being the suffering group who are at risk. Women's vulnerability to HIV/AIDS is a subject that has not received adequate attention to date. This empirical study examines the socio-cultural factors and practices that impede upon behavioural change of Zimbabwean women in an era of HIV/AIDS. Firstly, a sample of 1002 women respondents is purposefully drawn from the six major Zimbabwean ethnic groups to participate in this research study. A survey questionnaire is administered to respondents in the age group 18 to 59 years to quantify the levels and magnitude of the HIV/AIDS problem among women. Secondly, fifty in-depth interviews with key informants are conducted to assess the nature of the problem confronting and impeding upon women's quest to attain good reproductive health. Thirdly, six focus group discussions for each of the respective six ethnic groups are conducted with forty-eight mature women to understand broadly the concepts of the study. This study employs a combination of mainly qualitative and some quantitative methods of data collection and analysis, which is called triangulation. Underlying the methodology of this study is an overarching functionalist theoretical perspective, also referring to gender development theory which serves as the basis for data analyses. The main findings of this study include the view that power dynamics, gender roles and cultural practices have impacted negatively on women's quest to attain safe sexual behaviour. The problem of HIV/AIDS remains a complicated and awesome one among Zimbabwe's ethnic groups. For Zimbabwean women the HIV/AIDS problem begins with a total lack of control over sexual lives and behaviour of their husbands especially outside marriage. The women have noted that the majority stay faithful to their husbands and partners according to cultural prescriptions and roles, while their husbands do not comply. Women noted that cultural prescriptions in their various ethnic settings condone male infidelity but expect women to stay faithful to their partners. As a result it is found that women sometimes contract HIV/AIDS straight on their matrimonial beds. / SOCIOLOGY / Thesis (D. Phil. (Sociology))

Includes bibliographical references (leaves 130-136) / The study focuses on the impact of the Boko Haram Muslim terrorist group on the socioeconomic well‐being and livelihood of the population in the north‐east of Nigeria. To research the social, economic, religious and political impact of attacks leading to the disruption of people in the north‐east who fled their homes for the safety of southern refugee camps, the study relies on three research questions to be answered, namely: Does the Boko Haram terrorist group pose a threat to the socio‐economic well‐being of people in north‐eastern Nigeria? How have Boko Haram terrorist attacks impacted on the livelihood of the population? What is a viable solution or intervention strategy to deal with the impact of and fight against terrorism in Nigeria in particular? The study adopts an in‐depth qualitative methodology. Different related research techniques are used in data collection and analysis. Focus group discussions, in‐depth interviews and documentary sources have different complementary strengths, which are more comprehensive when used together. Questionnaires will guide the discussions with groups of internally displaced people, who are the units of analysis. Data is gathered through snowball sampling of willing, available respondents to understand and explain their personal views and experiences, creating the meanings they have constructed around their disrupted livelihoods and well‐being in refugee camps. An overarching, broad conflict perspective is chosen, related to Dahrendorf’s views on power struggles of dominant interest groups, authority, inequality and marginalisation of opponents, which also includes complementary concepts of religiously inspired fundamentalist theory focusing on indoctrination, dominance, manipulation and marginalisation of interest groups. This broad conflict perspective will investigate the social, economic, political and religious impacts of Boko Haram in Nigeria. The findings indicate that the Boko Haram attacks had a negative effect on the livelihood of citizens and displaced persons in refugee camps, as well as on the social cohesion and development of the north‐eastern Nigerian state. Conflict resolution and intervention strategies will be implemented to curb the violence. Societal transformation is recommended for infrastructural development and job creation to solve poverty and gainfully cater for educated, unemployed youths, now recruited into the ranks of the Boko Haram Muslim sect. / Sociology / M.A. (Sociology)