Customer-owned banking in Australia: from credit union to mutual bank

Since the 1990s financial sector regulation in Australia has treated credit unions and building societies the same as banks under the designated title of authorized depository institutions. This allows credit unions to choose between different organizational structures: cooperative; convert to customer-owned banks or to demutualize. This article utilizes semi-structured interviews to analyse the key motivations for organizational change. It examines a number of credit unions and their conversion experience to customer-owned banks. It finds that adaptation of the credit union model was necessary to change customer perceptions, ensure future growth in the customer base and assets, and facilitate access to capital raisings with the credit rating of a bank. Despite this change customer-owned banks retain the core principals of mutuality.

All signals are not equal: acoustic signalling of individuality, sex and breeding status in a cooperative breeder

Repeated interactions between individuals in socially living animals select for the evolution of signals that convey information identifying individuals or categories of individuals, which may enable the discrimination of familiar versus unfamiliar individuals. Such information may help animals maximize their inclusive fitness by adjusting their own behaviour, allowing them to avoid conflict, preferentially direct help and/or ignore unreliable individuals. Acoustic signals in birds provide the potential to encode individual-specific information. We examined the degree to which individual identity, sex, breeding status, group membership and genetic relatedness were related to variability in six different call types, which occurred across a variety of different behavioural contexts in the apostlebird, Struthidea cinerea, a socially living and cooperatively breeding Australian passerine. We demonstrated that not all calls reflected the same extent of information. Of the six call types, call variation was related to individual identity in three call types, breeding status in two call types and sex and group relatedness in one call type. Finally, variation in two call types was not related to any of the measured variables. Our results suggest that some, but not all, acoustic signals in apostlebirds may be selected for individual distinctiveness between individuals and categories of individuals (male versus female, breeder versus nonbreeder), and these signals may be important in determining levels of cooperation and interaction between individuals in this cooperatively breeding society. © 2014 The Association for the Study of Animal Behaviour.

Approaching cultural landscapes in post-settler societies: ideas, policies, practices

This thesis contends that the concept of cultural landscape is a useful tool for dismantling heritage management programs that promote demarcations between natural/settler/indigenous heritage values in protected areas in New Zealand, Australia, Canada and the United States.

Approaching cultural landscapes in post-settler societies: ideas, policies, practices

This thesis contends that the concept of cultural landscape is a useful tool for dismantling heritage management programs that promote demarcations between natural/settler/indigenous heritage values in protected areas in New Zealand, Australia, Canada and the United States.

Competitive and cooperative behavior in embedded markets: developing an institutional perspective on bazaars

In an ethnographic study of a retail setting, we examine relationships among competitors. We find that competitors often emphasize various forms of cooperation, and we describe socio-economic behaviors that illustrate how cooperation transcends or mediates competition among retailers. Retailers selectively cooperate and compete for customers in ways that alter our understandings of concepts such as loyalty and market stability, and practices such as marketing communications and pricing. We highlight the significance of these institutional practices and the role they play in forming and maintaining community in a bazaar.

A new fuzzy peer assessment methodology for cooperative learning of students

In this paper, a new fuzzy peer assessment methodology that considers vagueness and imprecision of words used throughout the evaluation process in a cooperative learning environment is proposed. Instead of numerals, words are used in the evaluation process, in order to provide greater flexibility. The proposed methodology is a synthesis of perceptual computing (Per-C) and a fuzzy ranking algorithm. Per-C is adopted because it allows uncertainties of words to be considered in the evaluation process. Meanwhile, the fuzzy ranking algorithm is deployed to obtain appropriate performance indices that reflect a student's contribution in a group, and subsequently rank the student accordingly. A case study to demonstrate the effectiveness of the proposed methodology is described. Implications of the results are analyzed and discussed. The outcomes clearly demonstrate that the proposed fuzzy peer assessment methodology can be deployed as an effective evaluation tool for cooperative learning of students.