This study provides an understanding on how Relationship Quality is conceptualised in business-to-business marketing relationships. It investigates the relationships of Jordanian Banks with their small and medium sized enterprise (SMEs) customers in terms of Commitment, Satisfaction, Trust, Communication, Transparency, Understanding, and Cooperation. It examines the antecedents and outcomes of the quality of corporate customer relationships by developing a conceptual model which empirically tests this relationship. This research builds and validates a research model based on the literature survey and uses a mixed methods approach. Qualitative data were gathered through in-depth interviews to achieve the goal of refining the initial research model. The second stage is a quantitative empirical study that uses a questionnaire and tests the empirical model generated in the first stage. This integration of methods provides a more complete view of this emerging area of marketing theory. Using Structural Equation Modelling; research findings support the use of a secondorder relationship quality construct consisting of Trust, Commitment, and Satisfaction as a direct outcome of a relationship and is named 'Attitudinal Loyalty'. Antecedents including; Transparency, Communication, Understanding and Cooperation were found to have a positive impact on relational outcome in a business-to-business context in Jordan. The importance of Transparency emerged as one of the most significant determinants of Relationship Quality, which is considered to be a new finding and not common among previous studies. Communication appears to make the biggest contribution overall and have direct and indirect relationships with other variables. It is therefore a major source of success in a business relationship. This research has several implications for the theory and practice. An important issue is the affects on change management. It requires the establishment of business communications to strengthen existing relationships and to form new ones. This implies developing an interactive approach with other parties. This study gives the banking industry an insight for developing their marketing strategy. It also provides a tool to assess the portfolio of relationships, which helps in targeting specific customers. Furthermore, Transparency in the flow of information imposes cultural change. Studying the Jordanian market can help to provide an insight into an emerging economy. Several qualitative findings showed that the relationship between banks and their small and medium enterprises is interesting. All this enriches and adds to the originality of this work and contributes to existing theory by investigating how relationships between partners can be enhanced.

Small and medium enterprises (SMEs) are considered to be a most efficient tool which is able to push economic and social development to experience significant progress and development as they offer useful services to consumers, and provide much needed employment. With this in consideration, they are useful for training, acquiring experience and technical and managerial skills. The objectives of this research are to identify the Critical Success Factors (CSFs) for SMEs in Saudi Arabia. Based on the literature review, 20 factors have been identified and subsequently structured into three groups, namely entrepreneurial, enterprise and environmental factors. The study also focuses on the SMEs Support Programme by identifying the current situation and accordingly providing recommendations based on those made by the support providers. Data have been collected by utilising a mixed method approach: first, 146 postal questionnaires with SME owners/managers have been analysed by using SPSS; second, in order to gain further understanding of the situation and particular challenges, 15 in-depth interviews with support providers have been conducted; and third, Analytical Hierarchy Process (AHP) has been used to analyse the pairwise comparison of the factors. The main findings of this study are that, for the CSFs for SMEs in Saudi Arabia, three factors are deemed to be important both for owners/managers and support providers. These factors are quality of the product and service, customer satisfaction, and business planning. The findings also indicate that there are many 'important support gaps' which show that existing support needs to be addressed in order to improve and develop the support structure.

The New Capital Accord (henceforth, Basel II), is expected to impose dramatic changes on banks and other providers of corporate financing, as well as companies. Literature indicates that small and medium sized enterprises (henceforth SMEs), in general, and in particular German SMEs seem to be affected: Germany has the highest SME density with SMEs comprising 99.6% of all corporations (IMF, 2008), these SMEs are highly dependent on banks for financing (see Jacobson et al, 2006). However, there is huge controversy in the literature concerning how these changes will look, right before Basel II came into effect in the years 2007 / 2008 in the European Union. In order to explore this effect from a Post-Basel II perspective, the objective of this research project is to establish what effect Basel II will have on corporate financing of SMEs in Germany. The high impact on SMEs (in Germany), combined with controversial evidence from extant Pre-Basel II research, indicates a high relevance to academics and practitioners for this thesis. This thesis is probably the first from a Post-Basel II perspective which covers both the SMEs' as well as the financiers' perspective. Based on a structured literature review using the comparative method (Peters, 1998) 'Most Different Systems' evidence is provided that there is no consistent picture regarding the effect of Basel II. Therefore, further research is needed to determine whether the effect in Germany is consistent, from a Post-Basel II perspective, with regards to the conditions which trigger certain mechanisms, from a 'scientific realism' (Smith, 1998) perspective, because the literature indicates that 'positivist generalising' has limited validity. Building on Creswell (2003), an 'exploratory sequential' design was created to test three initial hypotheses (as confirmation or refutation of a theory, see Gujarati, 2003:8): a multi-method design is best suited to the author's philosophical stance of 'scientific realism' by means of triangulation (Robson, 2002:174). The result of the initial quantitative phase is based on the analysis of questionnaire data from 125 SMEs and financiers (banks, private equity companies, family offices, providers of alternative means of financing) derived from a probabilistic sample frame in the fourth quarter of 2008. Mathematical models for SMEs and financiers regarding the three initial hypotheses were set-up and tested using the appropriate statistical tests. In order to limit bias by means of a spill-over effect from the financial crises, control questions were used. The subsequent qualitative phase by means of semistructured elite interviews (Saunders et al, 2007:312) between March and May 2009 enabled a valid triangulation and provided in-depth insights into how SMEs can cope best with Basel II. The purposive sample, of 17 'important cases', included company owners and top-level financier executives. In a conclusive quantitative and qualitative synopsis, the three initial hypotheses were acknowledged. However, the qualitative in-depth analysis by means of 'causal networks' (Miles and Huberman, 1994) led to an amendment of the hypotheses as follows: 1. Corporate finance has become different for SMEs because the 'house bank principle' has changed to a 'core bank principle' due to Basel II. Shopping around regarding credits will be more difficult which makes financing more difficult. This could be overcompensated by major SMEs, by using non-credit corporate financing which leads to a reduction of the 'house bank' principle. 2. SMEs can cope best with the effect when they: a) proactively engage in rating and improve the parameters, or b) they adjust their strategy as stated in hypothesis 3. 3. Financiers (especially non-bank financiers) will engage in SME corporate finance when they have a sound financial basis / management and when they adjust their strategy in terms of growth with the aim of niche market leadership and when they open up for exit strategies.

Uganda’s economy is agro-based; although the country is land locked it has great potential for industrial development. It is well endowed with natural resources and salubrious climate, but with little success in transforming its agricultural and mineral wealth into processed commodities for local, regional and international markets. The Uganda’s National Development Plan 2010- 2014 and Uganda Vision 2040 call for a transformed Ugandan society from a peasant to a modern and prosperous country within 30 years. To achieve this goal, Ugandan economy needs to be industrialized. This need is one of the identified strategic bottlenecks. Various strategies and action plans have been developed to steer the country’s economy towards sustainable development and increased competitiveness but with little success. It has been recognized globally that economic development depends heavily on small and medium sized enterprises (SMEs). SMEs are the prime source of new jobs and play a crucial role in income generation as well as in industrialization processes. However, most small businesses fail within their early stages of operation mainly due to under-capitalization and / or lack of proper management and business skills. Globally, through business incubators, start-ups and SMEs have been significantly enhanced to overcome their initial and critical stages of development. Business incubators have been tried in Uganda but not in a successful way. An Open Innovation Business Incubator is a physical or virtual environment that combines the attributes of open innovation and business incubation concepts in creating and supporting new start-ups. This research aimed at understanding more of the situation in Uganda, how the innovation systems and incubators are managed in other countries and to design a model for how to create better conditions for incubators in Uganda and similar low-income countries and stimulate industrial development. The proposed model has adopted an open innovation approach and a list of suggestions and recommendations has been made. Different methodological tools and participatory approaches were utilized in the process of undertaking the study to achieve the objectives. Data were collected through literature review, analysis of relevant theories such as industrialization, entrepreneurship, science, technology and innovation, business incubation, triple helix and clusters theory, open innovation, and public private partnerships. Review of Government reports and policy documents, discussions with industrial and incubation experts, surveys, focus group discussions and case studies were done. Useful ideas were obtained from seminars and conferences. Research findings indicated that: • There are hardly any graduate incubatees in Uganda, thus there is a need to foster partnerships and synergies between government, private sector/non-government organizations and academia for open incubation, • All incubators in Uganda focus on incubatees developing technologies and products but not on business models , • Open innovation incubators combined with entrepreneurial oriented strategies can effectively support start-ups and SMEs but requires strong mutual trust amongst actors, • Through public-private partnerships and open innovation incubators, industrial transformation can be stimulated.

This document consists of two very different projects but the common thread is in the interest of magnetic fields. It describes the effect of magnetic fields in two Interstellar Medium regions in the Galaxy. Electromagnetic force is one of the four fundamental forces in physics. It is not known where magnetic field has initially risen in the Universe, but what is certain is that it has significant effect in the dynamics of star formation and galaxy formation. The studies aim to better understand the effects of field in an active star forming region and in the halo of the Galaxy. We observed the HI 21 cm spectral line via the Zeeman effect in attempt to detect line-of-sight magnetic field strengths in both of the projects. For the star forming region project in Chapter 2, towards the Eagle Nebula, an upper limit of the field strength was determined. From the observational results, physical conditions of the region were modeled. For the second project in Chapter 3, we attempted to detect magnetic fields via Zeeman effect towards non galactic disk objects. All of the observed positions have radial velocities that cannot be explained by the simple galactic rotation. Hence, they are considered to be non galactic disk sources and often grouped as High Velocity Clouds. With a unique observational technique and analysis, we derived the best fit line-of-sight magnetic fields. A particular interest to us is the Smith Cloud. From the detection of magnetic field, we attempted to estimate the density of the ambient medium in the halo, which will be useful for studying the galaxy formation.

<p>Small- and medium-sized enterprises (SMEs) in developing countries are reported to encounter difficulties in accessing to formal external financing resource. Banking systems in this category of countries are either under-developed or newly reformed. The purpose of this paper is to investigate whether SME financing in China, measured by SMEs per capita, is affected by local bank competition, measured by number of banks per capita or share of foreign banks. Control variables such as Gross Domestic Product (GDP), level of infrastructure and geographic location are also included in the regression models.</p><p>The main findings are that: when disregarding the ownership of banks, bank competition has positive impact on SME financing across Chinese provinces, although the relationship is non-linear; and foreign banks do not significantly influence SME bank financing in China. The first finding generally support the conventional theories of industrial organization and the second one offers the basis for further arguments about the role of foreign banks in financing SMEs in China.</p>

The dissertation focuses on the temperature dependent rate coefficient measurement of reactions in the interstellar medium using a coaxial molecular beam ring electrode ion trap apparatus. The first chapter introduces the previous studies of ion-molecule reactions in the ISM, the types of instruments mainly used in the reaction rate coefficient study, the former research on the ring electrode ion trap and the gas phase reaction mechanisms. Compare to other instruments, our molecular beam - ring electrode ion trap is extremely good at ion cooling and temperature control for both ions and neutral molecules. Chapter two describes each part of the instrument used in detail. Ions produced by electron impact in the ion source chamber, are mass filtered and then reach the ring electrode ion trap. In the trap, ions collide with molecules in the molecular beam where reaction takes place. When the reaction is done, all the ions remained in the trap (the reactant and product ions) come out and move to the detector. The molecular beam terminates at residual gas analyzer which is used for the number density calibration. The third chapter shows how the temperature of ions and molecules are controlled separately in order to find the reaction mechanism. Ions are cooled by the pulsed He buffer in the ring electrode trap and a chopped beam is used to make sure the ions are cooled to the desired low temperature when the reaction takes place. Chapters four to six describe the three reactions being studied using this instrument: N₂⁺ + H₂O charge transfer reaction, H₃O⁺ + C₂H₄ proton transfer reaction and H3O⁺ + (C₂H₂)₂/C₂H₂ dimer reaction. The temperature dependent rate coefficient data of these reactions are explained by the average dipole orientation theory, statistical theory and Colussi's acetylene dimer model, respectively. Two temperatures are defined and applied in the experimental rate coefficients analysis: ion-molecule center of mass collision temperature and the reaction statistical temperature which is based on the numbers of degrees of freedom of both reactants.

IEEE 802.11n Wireless Local Area Networks (WLANs) employ Multiple-Input-Multiple-Output (MIMO), which significantly boosts the raw data rate at the Physical layer (PHY). But the potential of enhancing Medium Access Control (MAC) layer efficiencies by MIMO is still in its early stage and is the aim of the research in this thesis. Many existing works in this field mainly employ distributed MIMO spatial multiplexing/Multi-User Detection (MUD) technique and stream sharing to enable multiple simultaneous transmissions. Most works require synchronization among multiple transmissions, split the channel, and aim for single-hop networks. In this thesis, a novel Hybrid Carrier Sense (HCS) framework is proposed, mainly at the MAC layer to exploit the power of MIMO. HCS senses the channel availability jointly by the virtual carrier sense and physical carrier sense. HCS does not require synchronization among nodes; each node independently and locally determines when to start its transmission. HCS not only shares the channel, but also exploits the bi-directional handshakes of the wireless transmissions and increases the number of simultaneous stream transmissions. For a network with M antennas in each node, HCS can accommodate 2x(M-1) streams instead of M streams achieved by all other existing works. Moreover, HCS is aimed for multi-hop wireless ad hoc networks, in which the hidden terminal, exposed terminal, and deafness problems greatly degrade network performance. The HCS framework incorporates solutions to these problems. HCS is implemented in an NS2 network simulator and the performance evaluation shows that HCS significantly outperforms MIMO-enabled IEEE 802.11 (in which MIMO is only used for enhancing the raw data rate in the physical layer), resulting in higher aggregate throughput, packet delivery ratio and fairness in multi-hop wireless ad hoc networks. The HCS framework will be in wide use in the future generation of wireless networks and opens up more research possibilities. Some ideas in the HCS framework can be applied not only for MIMO, but also for many other techniques surveyed in this thesis; or we may combine them with HCS to further boost the network performance. / Thesis (Ph.D, Electrical & Computer Engineering) -- Queen's University, 2013-10-15 21:46:15.983

VO2-based films are thermochromic and exhibit high or low infrared transmittance when the temperature is below or above a critical temperature. The thermochromic switching is passive and reversible, and therefore VO2 based films are promising for energy-efficient window appli­cations. However the practicaluse of VO2 for energy-efficient windows has long been hampered by low luminous transmittance and low solar energy transmittance modulation. The main goal of this dissertation work is to address these issues. The first half of the work proposes the concept of nanothermochromics for simultaneous improvement of luminous transmittance and modulation of solar energy throughput. nanoth­ermochromics considers VO2 nanoparticle composite layers, whose optical properties were modeled by effective medium theories. Calculations on VO2 spheroids have shown that VO2 nanoparticles, especially nanospheres, can offer dramatically improved luminous transmittance and solar transmittance modulation that are not possible for films. Calculations done on coreshell nanoparticles showed comparable improvements and offer an opportunity to reduce the material costs. It was also found that the composite of In2O3:Sn (ITO) and VO2 can yield moderately high luminous transmittance, solar transmittance modulation and low-emittance properties. In the second half of the dissertation work, Mg-doped VO2 films were sputter deposited. Their band gaps and Mg-content were investigated by means of optical absorption measurement and Rutherford backscattering spectrometry, respectively. The band gaps of VO2 were found to increase by ∼3.9±0.5 eV per unit of atom ratio Mg/(Mg+V) for 0&lt;Mg/(Mg+V)&lt;0.21. Computations based on effective medium theory were done to estimate the performance of Mg­-doped VO2 films and nanoparticle composite layers. The results suggest that moderately doped VO2 films with 0&lt;Mg/(Mg+V)&lt;0.06 perform better than un-doped films and that the perfor­mance can be further enhanced with one layer of antireflection coating. The best results were achieved by un-doped VO2 nanospheres, closely followed by the VO2 nanospheres with low Mg-content. Furthermore, the an experimental study on sputter deposited VO2 nanorods has identified the geometry of the oxygen gas inlet, the type of substrate, the substrate temperature and the layer thickness as important factors that influence the growth morphology. Taken as a whole, nanothermochromics offered by VO2 nanoparticles was shown to be the best solution for VO2 based thermochromic energy-efficient window coatings.

Micro-finance institutions are leading a revolution in the financial sector, particularly in banking. This provides a renewed focus on the way financial credit is provided to the marginalised society of the developing countries. In the Democratic Republic of Congo, small and medium enterprises constitute almost 80% of the entrepreneurial population. There is therefore, considerable urgency to advance the performance and competitiveness of these small and medium enterprises. The aim of this study is to establish the effect of micro-finance institutions, on the performance of small and medium enterprises in the Democratic Republic of Congo. Literature reviewed for this study provided insights into the effects of micro-finance institutions on the performance of small and medium enterprises that accessed micro-loans. This study comprises of 77 small and medium entrepreneurs that participated in the empirical research. The performance of small and medium enterprises was assessed through the use of a questionnaire. The questionnaire consisted of statements on socio-demographics, the functioning of micro-finance institutions and the performance of small and medium enterprises. The study revealed that the largest group of respondents were male entrepreneurs, married, in the age group category of 30 to 50 years, have a household size of 1 to 5 people and have 1 to 5 years of experience in business. Entrepreneurs mostly utilized financial services such as saving accounts, money transfers and training and technology. Furthermore consulting services in the areas of leadership finance and operations were mainly received from micro-finance institutions. The study revealed that micro-finance institutions principally play the role of facilitator of growth, tool for social change, provider of banking systems and instrument for empowerment to SMEs. The two sources of financing utilized mostly by small and medium enterprises were loans from micro-finance institutions and from commercial banks. The borrowed finance was used principally to start a new business, expand an existing business and for working capital. The amounts of money borrowed from micro- loans were as follow: 5 000,00 (US $) or less, between 6 000 and 10 000,00 (US $) and 11 000,00 to 15 000, 00 (US $) The interest rates paid were from 11% to 20%, 21% to 30% and 51% and above. The collateral provided was in the form of physical assets such as a car or a house. The results of the mean score factor indicated that on average, responses for questions 14 to 19 were above 2.5 on the scale of 1 to 4. The mean score above 2.5 was the indication that respondents agreed to a larger extend to these statements. This leads to the conclusion that overall, the effect of micro-finance institutions on the performance small and medium enterprises in the Democratic Republic of Congo was positive, as proved by the mean score factor. / MBA, North-West University, Potchefstroom Campus, 2014