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Thesis (doctoral)--Universität Greifswald.

Thesis (doctoral)--Universität Heidelberg.

Thesis (master's)--Thammasat University, 2003. / Includes bibliographical references (leaves 64-69).

A brief survey of the supply of and the demand for consumer credit in Canada discloses a dynamic situation. The increasing income of the Canadian population, among other factors, has brought about changing conditions in this market. One of the most significant changes may be the increased sensitivity of the consumer to finance rates and interest charges. This increase in consumer sensitivity to finance rates may explain the past changes in shares of the consumer credit market that are serviced by the various financial intermediaries. The most significant share of consumer credit market changes have been the gains by the chartered banks and credit unions and the loss experienced by the sales finance companies. This may represent a consumer borrower switch from a higher cost lender (the sales finance companies) to lower cost lenders (the chartered banks and credit unions). This switch may be explained by an increase in consumer sensitivity to finance rates. A model developed by F. Thomas Juster and Robert P. Shay, predicting increased consumer sensitivity to finance rates, is used to forecast future possible share of consumer credit market that may be serviced by sales finance companies. The results are a forecasted decline in the share of a particular segment of the consumer credit market that may be serviced by the sales finance companies. This forecast is the basis for a discussion of strategy and policy decisions that must be made by the management of sales finance companies. Some of the alternative strategies are explored. The conclusion reached is that the sales finance companies will have a difficult time forestalling a loss in share of the consumer credit market. Their most productive competition strategy may be to concentrate their resources in particular segments of the consumer credit market that are not immediately accessible to the lower cost lenders. Sales finance companies may also find that a strategy of diversification, within and without the consumer credit area, is productive. / Business, Sauder School of / Graduate

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This Post Mortem discusses the choices made during the design and development process of In a Haystack, a narrative based adventure video game that discusses Privilege and Discrimination in American Society. As a solo project, I created a polished interactive experience that I intend to turn into a published episodic video game series. This document goes over the methodology choices, technical and artistic difficulties, and challenges faced by in pursuit of this goal.

Esta tese de doutorado parte do reconhecimento da essencialidade dos serviços públicos, em especial aos serviços de transporte coletivo. O objetivo principal é de cooperar com a inovação do processo de planejamento da qualidade do transporte coletivo urbano por ônibus e adequação destes serviços às suas demandas. Para a construção do método de planejamento da qualidade utilizou-se da metodologia construtivista. O framework foi elaborado a partir da combinação dos resultados da pesquisa teórica integrada às necessidades identificadas pela autora no ambiente em análise. As relações propostas foram estruturadas com base no método Quality Function Deployment (QFD), pois o interesse central foi incluir em um mesmo método de planejamento da qualidade, atributos importantes para os clientes usuários do sistema e o gerenciamento dos processos responsáveis pelo desempenho do serviço oferecido. Como forma de avaliar o método proposto, o mesmo foi aplicado em uma empresa prestadora do serviço de transporte coletivo urbano. A principal contribuição do artefato proposto está na ampliação das ações relacionadas à obtenção da qualidade, evidenciando que apenas o conhecimento sobre o nível de satisfação relacionado ao serviço de transporte coletivo urbano não permite oferecer um serviço de qualidade superior às expectativas dos clientes. É necessário adotar padrões de excelência e reconhecer qual a necessidade de investimentos para melhorar a qualidade e a eficiência no serviço de transporte coletivo urbano de forma contínua e sustentada. Através da aplicação, pôde-se concluir que o método atende as necessidades da empresa, servindo como guia para essencial melhoria da qualidade. / This doctoral thesis part of recognition of the essentiality of public services, particularly the collective urban transport services. The main objective is to cooperate with the innovation of quality planning process of urban collective transport by bus and adequacy of these services to their demands. For the construction of the method of projection of the quality it made use of the methodology constructivist. The framework was prepared from the combination of the results of the theoretical inquiry integrated to the necessities identified by the author in the environment in analysis.The proposed relations were structured on basis of the method Quality Function Deployment (QFD), since the central interest included in the same method of projection of the quality, important attributes for the users clients of the system and the management of the processes responsible for the performance of the offered service. Like the form of valuing the proposed method, the same thing was applied in a serviceable enterprise of the service of urbane collective transport. The main contribution of the proposed product is in the enlargement of the actions made a list to getting the quality, showing up that only the knowledge on the level of satisfaction made a list to the service of urbane collective transport does not allow offering a service of quality superior to the expectations of the clients. It is necessary to adopt standards of excellence and the investments necessity will recognize which to improve the quality and the efficiency in the service of urbane collective transport of continuous and supported form. Through the application, it was possible to end that the method attends the necessities of the enterprise, serving as a guide for effective improvement of the quality.

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No description available.