9 resultados para Madison Guaranty Savings

em Universitätsbibliothek Kassel, Universität Kassel, Germany


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Ein Luft-Erdwärmetauscher (L-EWT) kommt wegen seines niedrigen Energiebedarfs und mÃglicher guter Aufwandszahlen als umweltfreundliche Versorgungskomponente für Gebäude in Betracht. Dabei ist besonders vorteilhaft, dass ein L-EWT die Umgebungsluft je nach Jahreszeit vorwärmen oder auch kühlen kann. Dem zufolge sind L-EWT zur Energieeinsparung nicht nur für den Wohnhausbau interessant, sondern auch dort, wo immer noch große Mengen an fossiler Energie für die Raumkühlung benÃtigt werden, im Büro- und Produktionsgebäudesektor. Der Einsatzbereich eines L-EWT liegt zwischen VolumenstrÃmen von 100 m3/h und mehreren 100.000 m3/h. Aus dieser Bandbreite und den instationären Randbedingungen entstehen erhebliche Schwierigkeiten, allgemeingültige Aussagen über das zu erwartende thermische Systemverhalten aus der Vielzahl mÃglicher Konstruktionsvarianten zu treffen. Hauptziel dieser Arbeit ist es, auf Basis umfangreicher, mehrjähriger Messungen an einer eigens konzipierten Testanlage und eines speziell angepassten numerischen Rechenmodells, Kennzahlen zu entwickeln, die es ermÃglichen, die Betriebseigenschaften eines L-EWT im Planungsalltag zu bestimmen und ein technisch, Ãkologisch wie Ãkonomisch effizientes System zu identifizieren. Es werden die Kennzahlen elewt (Aufwandszahl), QV (Netto-Volumenleistung), ME (Meterertrag), sowie die Kombination aus v (StrÃmungsgeschwindigkeit) und VL (Metervolumenstrom) definiert, die zu wichtigen Informationen führen, mit denen die Qualität von Systemvarianten in der Planungsphase bewertet werden kÃnnen. Weiterführende Erkenntnisse über die genauere Abschätzung von Bodenkennwerten werden dargestellt. Die hygienische Situation der durch den L-EWT transportierten Luft wird für die warme Jahreszeit, aufgrund auftretender Tauwasserbildung, beschrieben. Aus diesem Grund werden alle relevanten lufthygienischen Parameter in mehreren aufwendigen Messkampagnen erfasst und auf pathogene Wirkungen überprüft. Es wird über Sensitivitätsanalysen gezeigt, welche Fehler bei Annahme falscher Randbedingungen eintreten. Weiterhin werden in dieser Arbeit wesentliche, grundsätzliche Erkenntnisse aufbereitet, die sich aus der Betriebsbeobachtung und der Auswertung der umfangreich vorliegenden Messdaten mehrerer Anlagen ergeben haben und für die praktische Umsetzung und die Betriebsführung bedeutend sind. Hinweise zu Materialeigenschaften und zur Systemwirtschaftlichkeit sind detailliert aufgeführt.

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Die Dissertation beschäftigt sich mit dem Jugendmarketing im Bankbereich. Es werden die verschiedenen Probleme dieser heterogenen Klientel aufgezeigt und unterschiedliche Handhabungen von Banken zur Bewältigung dieses Problems vorgestellt. Ein Schwerpunkt bildet die Untersuchung zwischen Werbeaufwand und Werbeerfolg (gemessen durch den Deckungsbeitrag) der Jugendlichen vom 1. bis 28. Lebensjahr unter besonderer Berücksichtigung der Sparkassen von Ober- und Unterfranken sowie ein Vergleich der beiden Regionen mit entsprechenden Institutsempfehlungen zur Steigerung ihres Deckungsbeitrages. Eine weitere empirische Untersuchung des Verhaltens von Jugendlichen und ihre Einstellung zur Kreditinstituten wurde mit Hilfe von Schüler- und Bankbefragungen vorgenommen.

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The use of crop residues (CR) has been widely reported as a means of increasing crop yields across West Africa. However, little has been done to compare the magnitude and mechanisms of CR effects systematically in the different agro-ecological zones of the region. To this end, a series of field trials with millet (Pennisetum glaucum L.), sorghum [Sorghum bicolor (L.) Moench], and maize (Zea mays L.) was conducted over a 4-yr period in the Sahelian, Sudanian, and Guinean zones of West Africa. Soils ranged in pH from 4.1 to 5.4 along a rainfall gradient from 510 to 1300 mm. Treatments in the factorial experiments were three CR rates (0,500, and 2000 kg ha^-1)and several levels of phosphorus and nitrogen. The results showed CR-induced total dry matter (TDM) increases in cereals up to 73% for the Sahel compared with a maximum of 16% in the wetter Sudanian and Guinean zones. Residue effects on weakly buffered Sahelian soils were due to improved P availability and to a protection of seedlings against wind erosion. Additional effects of CR mulching on topsoil properties in the Sahel were a decrease in peak temperatures by 4°C and increased water availability. These mulch effects on soil chemical and physical properties strongly decreased from North to South. Likely explanations for this decrease are the decline of dust deposition and wind erosion hazards, the higher soil clay content, lower air temperature, and a faster decomposition rate of mulch material with increasing rainfall from the Sahel to the Sudanian and Guinean zones.

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The nondestructive determination of plant total dry matter (TDM) in the field is greatly preferable to the harvest of entire plots in areas such as the Sahel where small differences in soil properties may cause large differences in crop growth within short distances. Existing equipment to nondestructively determine TDM is either expensive or unreliable. Therefore, two radiometers for measuring reflected red and near-infrared light were designed, mounted on a single wheeled hand cart and attached to a differential Global Positioning System (GPS) to measure georeferenced variations in normalized difference vegetation index (NDVI) in pearl millet fields [Pennisetum glaucum (L.) R. Br.]. The NDVI measurements were then used to determine the distribution of crop TDM. The two versions of the radiometer could (i) send single NDVI measurements to the GPS data logger at distance intervals of 0.03 to 8.53 m set by the user, and (ii) collect NDVI values averaged across 0.5, 1, or 2 m. The average correlation between TDM of pearl millet plants in planting hills and their NDVI values was high (r^2 = 0.850) but varied slightly depending on solar irradiance when the instrument was calibrated. There also was a good correlation between NDVI, fractional vegetation cover derived from aerial photographs and millet TDM at harvest. Both versions of the rugged instrument appear to provide a rapid and reliable way of mapping plant growth at the field scale with a high spatial resolution and should therefore be widely tested with different crops and soil types.

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The principal objective of this paper is to develop a methodology for the formulation of a master plan for renewable energy based electricity generation in The Gambia, Africa. Such a master plan aims to develop and promote renewable sources of energy as an alternative to conventional forms of energy for generating electricity in the country. A tailor-made methodology for the preparation of a 20-year renewable energy master plan focussed on electricity generation is proposed in order to be followed and verified throughout the present dissertation, as it is applied for The Gambia. The main input data for the proposed master plan are (i) energy demand analysis and forecast over 20 years and (ii) resource assessment for different renewable energy alternatives including their related power supply options. The energy demand forecast is based on a mix between Top-Down and Bottom-Up methodologies. The results are important data for future requirements of (primary) energy sources. The electricity forecast is separated in projections at sent-out level and at end-user level. On the supply side, Solar, Wind and Biomass, as sources of energy, are investigated in terms of technical potential and economic benefits for The Gambia. Other criteria i.e. environmental and social are not considered in the evaluation. Diverse supply options are proposed and technically designed based on the assessed renewable energy potential. This process includes the evaluation of the different available conversion technologies and finalizes with the dimensioning of power supply solutions, taking into consideration technologies which are applicable and appropriate under the special conditions of The Gambia. The balance of these two input data (demand and supply) gives a quantitative indication of the substitution potential of renewable energy generation alternatives in primarily fossil-fuel-based electricity generation systems, as well as fuel savings due to the deployment of renewable resources. Afterwards, the identified renewable energy supply options are ranked according to the outcomes of an economic analysis. Based on this ranking, and other considerations, a 20-year investment plan, broken down into five-year investment periods, is prepared and consists of individual renewable energy projects for electricity generation. These projects included basically on-grid renewable energy applications. Finally, a priority project from the master plan portfolio is selected for further deeper analysis. Since solar PV is the most relevant proposed technology, a PV power plant integrated to the fossil-fuel powered main electrical system in The Gambia is considered as priority project. This project is analysed by economic competitiveness under the current conditions in addition to sensitivity analysis with regard to oil and new-technology market conditions in the future.

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Land use has become a force of global importance, considering that 34% of the Earthâs ice-free surface was covered by croplands or pastures in 2000. The expected increase in global human population together with eminent climate change and associated search for energy sources other than fossil fuels can, through land-use and land-cover changes (LUCC), increase the pressure on natureâs resources, further degrade ecosystem services, and disrupt other planetary systems of key importance to humanity. This thesis presents four modeling studies on the interplay between LUCC, increased production of biofuels and climate change in four selected world regions. In the first study case two new crop types (sugarcane and jatropha) are parameterized in the LPJ for managed Lands dynamic global vegetation model for calculation of their potential productivity. Country-wide spatial variation in the yields of sugarcane and jatropha incurs into substantially different land requirements to meet the biofuel production targets for 2015 in Brazil and India, depending on the location of plantations. Particularly the average land requirements for jatropha in India are considerably higher than previously estimated. These findings indicate that crop zoning is important to avoid excessive LUCC. In the second study case the LandSHIFT model of land-use and land-cover changes is combined with life cycle assessments to investigate the occurrence and extent of biofuel-driven indirect land-use changes (ILUC) in Brazil by 2020. The results show that Brazilian biofuels can indeed cause considerable ILUC, especially by pushing the rangeland frontier into the Amazonian forests. The carbon debt caused by such ILUC would result in no carbon savings (from using plant-based ethanol and biodiesel instead of fossil fuels) before 44 years for sugarcane ethanol and 246 years for soybean biodiesel. The intensification of livestock grazing could avoid such ILUC. We argue that such an intensification of livestock should be supported by the Brazilian biofuel sector, based on the sectorâs own interest in minimizing carbon emissions. In the third study there is the development of a new method for crop allocation in LandSHIFT, as influenced by the occurrence and capacity of specific infrastructure units. The method is exemplarily applied in a first assessment of the potential availability of land for biogas production in Germany. The results indicate that Germany has enough land to fulfill virtually all (90 to 98%) its current biogas plant capacity with only cultivated feedstocks. Biogas plants located in South and Southwestern (North and Northeastern) Germany might face more (less) difficulties to fulfill their capacities with cultivated feedstocks, considering that feedstock transport distance to plants is a crucial issue for biogas production. In the fourth study an adapted version of LandSHIFT is used to assess the impacts of contrasting scenarios of climate change and conservation targets on land use in the Brazilian Amazon. Model results show that severe climate change in some regions by 2050 can shift the deforestation frontier to areas that would experience low levels of human intervention under mild climate change (such as the western Amazon forests or parts of the Cerrado savannas). Halting deforestation of the Amazon and of the Brazilian Cerrado would require either a reduction in the production of meat or an intensification of livestock grazing in the region. Such findings point out the need for an integrated/multicisciplinary plan for adaptation to climate change in the Amazon. The overall conclusions of this thesis are that (i) biofuels must be analyzed and planned carefully in order to effectively reduce carbon emissions; (ii) climate change can have considerable impacts on the location and extent of LUCC; and (iii) intensification of grazing livestock represents a promising venue for minimizing the impacts of future land-use and land-cover changes in Brazil.

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Since the Thai economy experiences rapid growth, agricultural systems, i.e. crop-livestock systems, are changing rapidly. On account of these changes, buffalo and cattle production has to be re-examined in terms of performance characteristics and roles of livestock for farm households in order to initiate suitable development programmes. Therefore, this study aimed to investigate the present characteristics of beef buffalo and beef cattle farms in Northeast Thailand. Using a semi-structured questionnaire, 121 randomly selected beef buffalo and beef cattle farms were interviewed in Nakhon Ratchasima province between October 2007 and May 2008. Both buffaloes and cattle were mostly integrated in mixed crop-livestock systems with medium to large farm sizes (7.9 ha), whereof less than half of the area was used for livestock. Family members were mainly responsible for the different activities of livestock farming and salaried labourers were only found on large-scale farms. The dominant roles of livestock were income generation to build up wealth or savings, the coverage of expected and unexpected expenses and earning of regular and additional income. Another important issue was the improvement of the social status, which increased with herd size. In order to improve farmersâ livelihoods and develop sustainable farming systems in Northeast Thailand the changing economic circumstances of cattle and especially buffalo production should receive more attention of researchers, governmental institutions and stakeholders.

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Provision of credit has being identified as an important instrument for improving the welfare of smallholder farmers directly and for enhancing productive capacity through financing investment by the farmers in their human and physical capital. This study investigated the individual and household characteristics that influence credit market access in Amathole District Municipality, Eastern Cape Province, South Africa, using a cross sectional data from smallholder farmersâ household survey. The aim is to provide a better understanding of the householdsâ level socio-economic characteristics, not only because they influence householdâs demand for credit but also due to the fact that potential lenders are most likely to base their assessment of borrowersâ creditworthiness on such characteristics. The results of the logistic regression suggest that credit market access was significantly influenced by variables such as gender, education, householdsâ income, value of assets, savings, dependency ratio, repayment capacity and social capital. Implications for rural credit delivery are discussed.

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This paper uses the data of 1338 rural households in the Northern Mountainous Region of Vietnam to examine the extent to which subsidised credit targets the poor and its impacts. Principal Component Analysis and Propensity Score Matching were used to evaluate the depth of outreach and the income impact of credit. To address the problem of model uncertainty, the approach of Bayesian Model Average applied to the probit model was used. Results showed that subsidised credit successfully targeted the poor households with 24.10% and 69.20% of clients falling into the poorest group and the three bottom groups respectively. Moreover, those who received subsidised credit make up 83% of ethnic minority households. These results indicate that governmental subsidies are necessary to reach the poor and low income households, who need capital but are normally bypassed by commercial banks. Analyses also showed that ethnicity and age of household heads, number of helpers, savings, as well as how affected households are by shocks were all factors that further explained the probability at which subsidised credit has been assessed. Furthermore, recipients obtained a 2.61% higher total income and a 5.93% higher farm income compared to non-recipients. However, these small magnitudes of effects are statistically insignificant at a 5% level. Although the subsidised credit is insufficient to significantly improve the income of the poor households, it possibly prevents these households of becoming even poorer.