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The Global ETD Search service is a free service for researchers
to find electronic theses and dissertations. This service is
provided by the
Networked Digital Library of Theses and Dissertations.
Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
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Showing 11 to 16 of 16 (0.026 seconds)Spelling suggestions: "subject:"nurse"" "subject:"curse""
| 11 |
Perspective vol. 24 no. 2 (Apr 1990)Clemenger, Bruce J., Fisher, Jeremy E., Fernhout, Harry, Rowe, Amy Harrison 30 April 1990 (has links)
No description available.
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| 12 |
Perspective vol. 24 no. 2 (Apr 1990) / Perspective (Institute for Christian Studies)Clemenger, Bruce J., Fisher, Jeremy E., Fernhout, Harry, Rowe, Amy Harrison 26 March 2013 (has links)
No description available.
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| 13 |
Estrutura atual da pesca artesanal e estimativa do autoconsumo de pescado entre pescadores artesanais do estuário da Lagoa dos Patos, RS, BrasilLima, Bruna Barros January 2012 (has links)
Dissertação(mestrado) - Universidade Federal do Rio Grande, Programa de Pós–Graduação em Oceanografia Biológica, Instituto de Oceanografia, 2012. / Submitted by Cristiane Gomides (cristiane_gomides@hotmail.com) on 2013-11-18T16:09:12Z
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Previous issue date: 2012 / O presente trabalho é dividido em dois capítulos, os quais apresentam estudos realizados em três comunidades de pescadores do estuário da Lagoa dos Patos: a São Miguel, o Bosque e a Torotama. O primeiro capítulo trata da estrutura da frota da pesca artesanal na região e sua evolução ao longo do tempo. Foram entrevistados 20 pescadores de cada comunidade, que responderam perguntas com relação aos seus petrechos de pesca e sua visão com relação a mudanças ocorridas no setor. Observou-se uma tendência à diminuição do tamanho de malha das redes, assim como o aumento da potência dos motores, o que evidencia um aumento de esforço pesqueiro quando comparado a décadas passadas. Os pescadores têm consciência das alterações que a pescaria vem sofrendo. O segundo capítulo aborda um assunto pouco estudado no Brasil, o autoconsumo dos pescadores artesanais, ou seja, a quantidade e o tipo de pescado consumido pelos pescadores e seus familiares daquilo que é capturado por eles próprios. Foram entrevistados periodicamente 10 pescadores de cada comunidade, de setembro de 2010 a dezembro de 2011. Coletaram-se informações pessoais sobre a atividade pesqueira e autoconsumo de pescado. O consumo médio anual por pessoa foi de 38,57 kg. A primavera e o verão foram as estações de maior consumo, sendo a corvina e o camarão-rosa as espécies mais consumidas nessas estações, respectivamente. / This study is divided into two chapters which presents studies done in three fishing communities of Patos Lagoon’s estuary: São Miguel, Bosque and Torotama. The first chapter is about the artisanal fishery’s fleet structure in the region and its evolution in time. Twenty fishermen of each community were interviewed, they answered questions about their vessels and the fishing gears and their vision about the changes that occurred in the sector. It was observed reduction trend in mesh sizes as well an increase of the engine power indicating an increase of fishing effort. Fishermen are aware of the changes the fishery has being undergoing. The second chapter addresses a less investigated issue in Brazil, the artisanal fishery self-consumption, i.e., the amount and type of fish consumed by the fishermen and their family of what is captured by them. Ten fishermen of each community were periodically interviewed, from September 2010 to May 2011. Personal information about the fishing activity and fish selfconsumption was collected. The average annual consumption per person was of 38.57 kg. Higher consumption occurred in spring and summer, the white croaker and the pink shrimp are the most consumed species in these seasons, respectively.
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| 14 |
Essai sur l'adoption et l'usage de la monnaie électronique / Essay on the adoption and usage of electronic moneyVasselin, Françoise 29 September 2017 (has links)
Cette thèse comporte trois chapitres. Le premier chapitre décrit les moyens de paiement permettant le transfert de monnaie électronique (e-monnaie), les déterminants de leur adoption et leur usage dans le monde. Les deux chapitres suivants sont des articles qui analysent la concurrence entre la monnaie fiduciaire et l’e-monnaie à partir du modèle de Lagos-Wright (2005). Dans le premier article, à la différence des espèces, la détention d’e-monnaie est garantie contre le risque de perte ou de vol, et les marchands doivent investir pour recevoir l’e-monnaie. Du fait des complémentarités stratégiques entre les acheteurs et les vendeurs, il existe une multiplicité d’équilibres où seule une monnaie, ou les deux circulent. Nous analysons le bien-être et quantifions le modèle pour expliquer l’échec de l’e-monnaie en Europe et son succès en Asie et aux Etats-Unis. Dans le second article, les espèces concurrencent la monnaie mobile (M-monnaie). Les agents peuvent créer des partenariats et chaque transaction est réglée avec un seul moyen de paiement. Les agents sans partenaire utilisent les espèces, les autres utilisent l’M-monnaie. Les acheteurs avec un partenaire détiennent toujours de l’M-monnaie, seule ou en complément des espèces, alors que les acheteurs sans partenaire utilisent soit l’une, soit l’autre, soit les deux, soit aucune monnaie. Cependant, l’M-monnaie ne remplace les espèces que si le nombre de vendeurs traditionnels est très faible et l’inflation pas trop élevée. Ainsi, le partenariat est un mécanisme de coordination qui explique le succès des applications de paiement mobile proposées par des enseignes à leurs clients fidèles aux Etats-Unis. / This thesis has three chapters. The first chapter describes the means of payment allowingthe transfer of electronic money (e-money), the determinants of their adoption and their usein the world. The following two chapters are articles that analyze the competition between fiat money and e-money from the Lagos-Wright model (2005). In the first article, unlike cash, the holding of e-money is guaranteed against the risk of loss or theft, and merchants must invest to receive e-money. Due to strategic complementarities between buyers andsellers, there is a multiplicity of equilibria where only one money, or both, circulate. We analyze welfare and quantify the model to explain the failure of e-money in Europe and its success in Asia and in the United States. In the second article, cash competes with mobilemoney (M-money). Agents can create partnerships and each transaction is settled with one means of payment only. Agents without a partner use cash, the others use M-money.Buyers with a partner always hold M-money, alone or in addition to cash, while buyers without a partner use either one, or the other, or both, or no money. However, M-money replaces cash only if the number of traditional sellers is very low and inflation not too high.So, partnership is a coordination mechanism that explains the success of mobile payment applications offered by brands to their loyal customers in the United States.
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| 15 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 16 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
|
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