Basel II provides banks with four options that may be used to calculate regulatory capital for operational risk. Each of these options (except the most basic approach) requires an underlying risk measurement and management system, with increasing complexity and more refined capital calculations under the more advanced approaches. Approaches available are BIA, TSA, ASA and AMA. The most advanced and complex option under Basel II is the AMA. This approach allows a bank to calculate its regulatory and economic capital requirements (using internal models) based on internal risk variables and profiles, rather than exposure proxies like gross income. This is the only risk–sensitive approach allowed by and described in Basel II. Accompanying internal models, complex and sophisticated measurement instruments, risk management processes and frameworks, as well as a robust governance structure need to be implemented. This study focuses on the practical design and implementation of an AMA capital model. This includes a beginning–to–end solution for capital modelling and covers all elements of data analysis, capital calculation and capital allocation. The proposed capital model is completely risk–based, leading to risk–sensitive capital calculations and allocations for all business lines in a bank. The model was constructed to comply fully with all Basel II requirements and standards. The proposed model was subsequently applied to one South African bank’s operational risk data, i.e. risk scenario and internal loss data of the bank were used as inputs into the proposed capital model. Regulatory capital requirements were calculated for all business lines in the bank and for the bank as a whole on a group level. Total capital requirements were also allocated to all business lines in the bank. For regulatory capital purposes, this equated to the stand–alone capital requirement of each business line. Calculations excluded the modelling and incorporation of insurance, expected loss offsets and correlation. These capital mitigation techniques were, however, proposed as part of the comprehensive capital model. AMA based capital calculations for the bank’s business lines resulted in significant capital movements compared to TSA capital requirements for the same calculation periods. The retail banking business line was allocated less capital compared to corresponding TSA estimates. This is mainly attributable to lower levels of tail risk exposure given high income levels (which are the bases for TSA capital calculations). AMA–based capital for the investment banking business line was higher than corresponding TSA estimates, due to high levels of extreme risk exposure relative to income generated. Employing capital modelling results in operational risk management and performance measurement was discussed and proposals made. This included the use of capital requirements (modelling results) in day–to–day operational risk management and in strategic decision making processes and strategic risk management. Proposals were also made on how to use modelling results and capital allocations in performance measurement. It was proposed that operational risk capital costs should be included in risk–adjusted performance measures, which can in turn be linked to remuneration principles and processes. Ultimately this would incentivise sound operational risk management practices and also satisfy the Basel II use test requirements with regards to model outputs, i.e. model outputs are actively used in risk management and performance measurement. / Thesis (Ph.D. (Risk management))--North-West University, Potchefstroom Campus, 2012.

Basel II provides banks with four options that may be used to calculate regulatory capital for operational risk. Each of these options (except the most basic approach) requires an underlying risk measurement and management system, with increasing complexity and more refined capital calculations under the more advanced approaches. Approaches available are BIA, TSA, ASA and AMA. The most advanced and complex option under Basel II is the AMA. This approach allows a bank to calculate its regulatory and economic capital requirements (using internal models) based on internal risk variables and profiles, rather than exposure proxies like gross income. This is the only risk–sensitive approach allowed by and described in Basel II. Accompanying internal models, complex and sophisticated measurement instruments, risk management processes and frameworks, as well as a robust governance structure need to be implemented. This study focuses on the practical design and implementation of an AMA capital model. This includes a beginning–to–end solution for capital modelling and covers all elements of data analysis, capital calculation and capital allocation. The proposed capital model is completely risk–based, leading to risk–sensitive capital calculations and allocations for all business lines in a bank. The model was constructed to comply fully with all Basel II requirements and standards. The proposed model was subsequently applied to one South African bank’s operational risk data, i.e. risk scenario and internal loss data of the bank were used as inputs into the proposed capital model. Regulatory capital requirements were calculated for all business lines in the bank and for the bank as a whole on a group level. Total capital requirements were also allocated to all business lines in the bank. For regulatory capital purposes, this equated to the stand–alone capital requirement of each business line. Calculations excluded the modelling and incorporation of insurance, expected loss offsets and correlation. These capital mitigation techniques were, however, proposed as part of the comprehensive capital model. AMA based capital calculations for the bank’s business lines resulted in significant capital movements compared to TSA capital requirements for the same calculation periods. The retail banking business line was allocated less capital compared to corresponding TSA estimates. This is mainly attributable to lower levels of tail risk exposure given high income levels (which are the bases for TSA capital calculations). AMA–based capital for the investment banking business line was higher than corresponding TSA estimates, due to high levels of extreme risk exposure relative to income generated. Employing capital modelling results in operational risk management and performance measurement was discussed and proposals made. This included the use of capital requirements (modelling results) in day–to–day operational risk management and in strategic decision making processes and strategic risk management. Proposals were also made on how to use modelling results and capital allocations in performance measurement. It was proposed that operational risk capital costs should be included in risk–adjusted performance measures, which can in turn be linked to remuneration principles and processes. Ultimately this would incentivise sound operational risk management practices and also satisfy the Basel II use test requirements with regards to model outputs, i.e. model outputs are actively used in risk management and performance measurement. / Thesis (Ph.D. (Risk management))--North-West University, Potchefstroom Campus, 2012.

The main objective of this study was to determine the applicability of advanced water treatment processes namely granular activated carbon (GAC) adsorption, ultraviolet (UV) light disinfectant and ozone in the management of deteriorating water quality in the Mid-Vaal River system for drinking purposes. Both the scarcity and the deteriorating quality of water in South Africa can be addressed by investigating advanced water treatment processes such as GAC adsorption, UV light disinfectant and ozone. Previously disregarded water resources have the potential to be purified and advanced treatments can improve water quality where conventional water treatments have failed. In addition, advanced treatment processes can be applied to treat used water. The two sampling sites selected for the study, Rand Water Barrage (RWB) and Midvaal Water Company (MWC), are both located in the Middle Vaal Water Management Area with RWB upstream of MWC. RWB uses GAC adsorption and UV light disinfection and MWC uses ozone as pre- and intermediate treatment process steps for water purification. The quality of the source water at both sampling sites was determined by analysing the physical and chemical characteristics as well as the algal and invertebrate compositions of the source water. The physical and chemical water quality variables measured included pH, conductivity, turbidity, dissolved organic carbon (DOC), total organic carbon (TOC), total photosynthetic pigments (TPP), microcystin and geosmin. The source water of both sites was characterised as hypertrophic on account of high chlorophyll concentrations. The water quality of the two sites was distinctly different and a downstream change was observed. The source water of RWB was characterised by high microcystin, geosmin, DOC, TOC and conductivity measurements and dominated by Bacillariophyceae (diatoms) and Cyanophyceae (blue-green bacteria). Problematic species that were present in the source water of RWB included Aulacoseira sp., other unidentified centric diatoms, Pandorina sp., Anabaena sp., Microcystis sp., Oscillatoria sp., Cryptomonas sp., Ceratium sp. and Trachelomonas sp. The source water of MWC was characterised by high pH, turbidity and TPP measurements and was dominated by Chlorophyceae (green algae) and Bacillariophyceae (diatom) species. Problematic algal species that were present in the source water of MWC included Cyclotella sp., Coelastrum sp., Pediastrum sp. and Scenedesmus sp. The source water of MWC was deemed to be of a better quality due to the lower Cyanophyceae concentrations and lower microcystin levels. The invertebrate composition of both sites was similar with Rotatoria as the dominant invertebrate group. The efficacy of GAC adsorption/UV light disinfection/ozonation on restoring the physical and chemical characteristics of the source water at both sampling sites as well as the algal and invertebrate compositions was determined by ascertaining the nature of the change in or the percentage removal of a water quality variable. The potable water of both sites complied with the standards of water intended for domestic use except for the conductivity at RWB that was slightly elevated. The phytoplankton was removed effectively from the source water of both sites but the removal of invertebrates was unsatisfactory. GAC adsorption and filtration proved to be more effective in the removal of TPP, turbidity, DOC, microcystin and geosmin than ozone. Ozone effected an increase in DOC. UV light disinfection had no or little effect on restoring the water quality variables investigated in this study. / M (Environmental Sciences), North-West University, Potchefstroom Campus, 2015

The main objective of this study was to determine the applicability of advanced water treatment processes namely granular activated carbon (GAC) adsorption, ultraviolet (UV) light disinfectant and ozone in the management of deteriorating water quality in the Mid-Vaal River system for drinking purposes. Both the scarcity and the deteriorating quality of water in South Africa can be addressed by investigating advanced water treatment processes such as GAC adsorption, UV light disinfectant and ozone. Previously disregarded water resources have the potential to be purified and advanced treatments can improve water quality where conventional water treatments have failed. In addition, advanced treatment processes can be applied to treat used water. The two sampling sites selected for the study, Rand Water Barrage (RWB) and Midvaal Water Company (MWC), are both located in the Middle Vaal Water Management Area with RWB upstream of MWC. RWB uses GAC adsorption and UV light disinfection and MWC uses ozone as pre- and intermediate treatment process steps for water purification. The quality of the source water at both sampling sites was determined by analysing the physical and chemical characteristics as well as the algal and invertebrate compositions of the source water. The physical and chemical water quality variables measured included pH, conductivity, turbidity, dissolved organic carbon (DOC), total organic carbon (TOC), total photosynthetic pigments (TPP), microcystin and geosmin. The source water of both sites was characterised as hypertrophic on account of high chlorophyll concentrations. The water quality of the two sites was distinctly different and a downstream change was observed. The source water of RWB was characterised by high microcystin, geosmin, DOC, TOC and conductivity measurements and dominated by Bacillariophyceae (diatoms) and Cyanophyceae (blue-green bacteria). Problematic species that were present in the source water of RWB included Aulacoseira sp., other unidentified centric diatoms, Pandorina sp., Anabaena sp., Microcystis sp., Oscillatoria sp., Cryptomonas sp., Ceratium sp. and Trachelomonas sp. The source water of MWC was characterised by high pH, turbidity and TPP measurements and was dominated by Chlorophyceae (green algae) and Bacillariophyceae (diatom) species. Problematic algal species that were present in the source water of MWC included Cyclotella sp., Coelastrum sp., Pediastrum sp. and Scenedesmus sp. The source water of MWC was deemed to be of a better quality due to the lower Cyanophyceae concentrations and lower microcystin levels. The invertebrate composition of both sites was similar with Rotatoria as the dominant invertebrate group. The efficacy of GAC adsorption/UV light disinfection/ozonation on restoring the physical and chemical characteristics of the source water at both sampling sites as well as the algal and invertebrate compositions was determined by ascertaining the nature of the change in or the percentage removal of a water quality variable. The potable water of both sites complied with the standards of water intended for domestic use except for the conductivity at RWB that was slightly elevated. The phytoplankton was removed effectively from the source water of both sites but the removal of invertebrates was unsatisfactory. GAC adsorption and filtration proved to be more effective in the removal of TPP, turbidity, DOC, microcystin and geosmin than ozone. Ozone effected an increase in DOC. UV light disinfection had no or little effect on restoring the water quality variables investigated in this study. / M (Environmental Sciences), North-West University, Potchefstroom Campus, 2015

According to the South African White Paper 5 on Early Childhood Development (ECD), the initiative of the Department of Education (DoE), whereby grade R is being implemented as part of compulsory education, is directed at the poorest of the poor. Grade R teachers responsible for the education of 5/6 year old learners will therefore have to possess knowledge and skills to enable them to lead grade R learners from deprived circumstances to optimal development and learning readiness. For under-or unqualified Foundation Phase teachers who work and live in rural areas, distance learning is often the only option for professional development and concurrent increase in compensation. The School of Continuing Teacher Education of the North-West University designed an open distance learning model to provide in the educational needs of under and unqualified teachers. The Foundation Phase Curriculum within the Professional Educator Development programme of the Advanced Certificate in Education presented by the North West University (hereafter referred to as the NWU Foundation Phase ACE programme) is delivered via open distance learning. The National Curriculum Statements (Grade R-9) include grade R to three in the Foundation Phase Curriculum and therefore the NWU Foundation Phase ACE programme will be a financially viable option to train a large number of grade R teachers to provide in the need for qualified grade R teachers. This study investigates the way in which the NWU Foundation Phase ACE programme enables grade R teaching competency as programme outcome. To attain the research aims of the study a literature and empirical study were performed. The research aims of the literature study include the establishment of the knowledge, skills and attitudes to be included in a training programme with the aim of capacitating grade R teachers to facilitate the optimal development of five/six year olds from deprived circumstances. The literature is further researched to determine national and international criteria for effective design and content for training programmes for teachers of 5/6 year old learners. Through the literature study the criteria for effective training programmes for grade R teachers are determined and more specific the criteria for the effective implementation of distance learning for the training of grade R teachers. A comparative study between the NWU Foundation Phase ACE programme and similar distance learning programmes implemented internationally also serves as benchmarking for the evaluation of the NWU Foundation Phase ACE programme. Findings from the literature study serves as benchmark for the evaluation of the NWU Foundation Phase ACE programme and for the designing of questionnaires as measurement instruments for the empirical study. The empirical research has as its first aim to determine how the NWU Foundation Phase ACE programme provides grade R teacher-students the opportunity to develop the necessary knowledge, skills and attitudes to facilitate the optimal development and learning readiness of five/six year olds from deprived circumstances. Secondly the empirical study aims to determine how the design and content of the NWU Foundation Phase ACE programme accommodates the profile and educational needs of the target population namely the teacher who will be responsible for the education of five/six year old learners from deprived circumstances. Although a combination of both qualitative and quantitative statistical methods is used in the empirical study, this evaluation research is primarily seen as a quantitative study grounded in the post-positivist epistemology. The mixed method serves as verification of findings on the data. Empirical data were captured by means of questionnaires comprising structured and open questions. Data captured through structured questions were statistically analysed Iwhile responses in open questions were interpreted qualitatively by the researcher. Data triangulation serves as verification of findings as the researcher gathered data from three study populations namely the NWU Foundation Phase ACE teacher-students, the facilitators who facilitate the NWU Foundation Phase ACE programme at the various contact centres countrywide as well as lecturers presenting a similar Foundation Phase ACE programme at other tertiary institutions in the country. A comparison of responses from the structured questions and open questions with data from related literature further provides for methodological triangulation and verification of findings. Data from the literature study as well as from all three study populations in the empirical investigation converged regarding inadequacies in the way the design and content of the NWU Foundation Phase ACE programme enable the development of grade R teaching competencies as outcome. Deficiencies were identified in the way the programme accommodates the situated and personal circumstances of the teacher student. The opportunity provided by programme design and content for an inexperienced grade R teacher-student to develop grade R knowledge and skills through experience learning, social learning and learning through reflection within the grade R teaching and learning context, was also found to be lacking. Recommendations based on the findings are made for consideration of future programme design. / Thesis (M.Ed.)--North-West University, Potchefstroom Campus, 2010.

According to the South African White Paper 5 on Early Childhood Development (ECD), the initiative of the Department of Education (DoE), whereby grade R is being implemented as part of compulsory education, is directed at the poorest of the poor. Grade R teachers responsible for the education of 5/6 year old learners will therefore have to possess knowledge and skills to enable them to lead grade R learners from deprived circumstances to optimal development and learning readiness. For under-or unqualified Foundation Phase teachers who work and live in rural areas, distance learning is often the only option for professional development and concurrent increase in compensation. The School of Continuing Teacher Education of the North-West University designed an open distance learning model to provide in the educational needs of under and unqualified teachers. The Foundation Phase Curriculum within the Professional Educator Development programme of the Advanced Certificate in Education presented by the North West University (hereafter referred to as the NWU Foundation Phase ACE programme) is delivered via open distance learning. The National Curriculum Statements (Grade R-9) include grade R to three in the Foundation Phase Curriculum and therefore the NWU Foundation Phase ACE programme will be a financially viable option to train a large number of grade R teachers to provide in the need for qualified grade R teachers. This study investigates the way in which the NWU Foundation Phase ACE programme enables grade R teaching competency as programme outcome. To attain the research aims of the study a literature and empirical study were performed. The research aims of the literature study include the establishment of the knowledge, skills and attitudes to be included in a training programme with the aim of capacitating grade R teachers to facilitate the optimal development of five/six year olds from deprived circumstances. The literature is further researched to determine national and international criteria for effective design and content for training programmes for teachers of 5/6 year old learners. Through the literature study the criteria for effective training programmes for grade R teachers are determined and more specific the criteria for the effective implementation of distance learning for the training of grade R teachers. A comparative study between the NWU Foundation Phase ACE programme and similar distance learning programmes implemented internationally also serves as benchmarking for the evaluation of the NWU Foundation Phase ACE programme. Findings from the literature study serves as benchmark for the evaluation of the NWU Foundation Phase ACE programme and for the designing of questionnaires as measurement instruments for the empirical study. The empirical research has as its first aim to determine how the NWU Foundation Phase ACE programme provides grade R teacher-students the opportunity to develop the necessary knowledge, skills and attitudes to facilitate the optimal development and learning readiness of five/six year olds from deprived circumstances. Secondly the empirical study aims to determine how the design and content of the NWU Foundation Phase ACE programme accommodates the profile and educational needs of the target population namely the teacher who will be responsible for the education of five/six year old learners from deprived circumstances. Although a combination of both qualitative and quantitative statistical methods is used in the empirical study, this evaluation research is primarily seen as a quantitative study grounded in the post-positivist epistemology. The mixed method serves as verification of findings on the data. Empirical data were captured by means of questionnaires comprising structured and open questions. Data captured through structured questions were statistically analysed Iwhile responses in open questions were interpreted qualitatively by the researcher. Data triangulation serves as verification of findings as the researcher gathered data from three study populations namely the NWU Foundation Phase ACE teacher-students, the facilitators who facilitate the NWU Foundation Phase ACE programme at the various contact centres countrywide as well as lecturers presenting a similar Foundation Phase ACE programme at other tertiary institutions in the country. A comparison of responses from the structured questions and open questions with data from related literature further provides for methodological triangulation and verification of findings. Data from the literature study as well as from all three study populations in the empirical investigation converged regarding inadequacies in the way the design and content of the NWU Foundation Phase ACE programme enable the development of grade R teaching competencies as outcome. Deficiencies were identified in the way the programme accommodates the situated and personal circumstances of the teacher student. The opportunity provided by programme design and content for an inexperienced grade R teacher-student to develop grade R knowledge and skills through experience learning, social learning and learning through reflection within the grade R teaching and learning context, was also found to be lacking. Recommendations based on the findings are made for consideration of future programme design. / Thesis (M.Ed.)--North-West University, Potchefstroom Campus, 2010.

In Chapter 1 different phases of the application of exegetical methods with regard to texts in the New Testament were identified. Each phase provided a different perspective in response to questions about the contextuality of the New Testament. From the overview it became clear that the investigation of the historical background had received some attention, but it had not been as effectively utilized in the hermeneutical process as it could be, and had not been taken seriously enough. In Chapter 2, the place and function of the historical context or background of the New Testament in historical criticism, literary criticism and social scientific methods of exegesis were evaluated. Historical criticism often focuses on the different parts (forms) of the text, but does not consider the text as a whole to the degree required. Literary criticism focuses on the text as a whole. The Gospels are regarded as narrative texts. Narratology foregrounds the spatial aspects or topology of the Gospels. Socio-historical research on the world of the text, contributes to the study of the background of the New Testament. To enhance the progress already made, historical criticism and literary criticism can be supplemented by applying selected social scientific models. The use of such models makes it possible for socio-historical data to be systematized in a holistic interpretive framework. The use of social scientific models can bridge the historical distance between the text and its readers to avoid fallacies based on anachronism and ethnocentrism. A social scientific approach provides a holistic frame of reference for the interpretation of Biblical texts. However the approach may not pay enough attention to the topological or spacial aspects of the Gospel of Matthew. The model of advanced agrarian society and the pre-industrial city have not yet been applied effectively to the Gospel of Matthew. The current study fills this gap. In the study the model in terms of which an advanced agrarian society can be descibed, is used as a broad frame of reference within which the place and function of the Biblical jubilee can be studied. This diachronic overview of the research on the Biblical jubilee (Chapter 3) shows that no such study has as yet been undertaken with regard to the Biblical jubilee. Ancient economy developed from a simplistic agrarian society to an advanced agrarian society. The Roman Empire was the result of a long evolutionary process. Land was the primary economic resource in a self-sufficient society. The aim of the current research was to show that the socio-economic background of the first century forms the context within which the land and jubilee can be understood. The socio-economic background can be interpreted within a holistic perspective of first-century Mediterranean society. The social scientific model of advanced agrarian society includes four factors (family institutions, pre-industrial city, land tenancy and social stratification) that all influenced the land and economy of the first-century Mediterranean world. In Chapter 6, homomorphic models were used to simplify important and representative aspects of complex social structures, behaviour and relations. These models were used for the study of the political, economic and social systems of an empire or government. The current study used the social scientific model of advanced agrarian society as frame of reference for the interpretation of the place and function of the Biblical jubilee in the Gospel of Matthew. / Dissertation (DD(New Testament Studies))--University of Pretoria, 2001. / New Testament Studies / unrestricted