Regulating Digital Financial Services Agents in Developing Countries to Promote Financial Inclusion

Limited access to bank branches excludes over one billion people from accessing financial services in developing countries. Digital financial services offered by banks and mobile money providers through agents can solve this problem without the need for complex and costly physical banking infrastructures. Delivering digital financial services through agents requires a legal framework to regulate liability. This article analyses whether vicarious liability of the principal is a more efficient regulatory approach than personal liability of the agent. Agent liability in Kenya, Fiji, and Malawi is analysed to demonstrate that vicarious liability of the principal, coupled to an explicit agreement as to agent rewards and penalties, is the more efficient regulatory approach.

Notions of Conflict and 'New' Citizens' Inclusion:Post-Cosmopolitan Contestations in Germany

This chapter argues that there is a gap between symbolic exclusion from the national community when it comes to the inclusion of new German citizens of Turkish or Kurdish background, and a broad claim to be a cosmopolitan society, at large. While focusing on narratives of minority key political activists in Berlin, and analysing individual stories on the background of contemporary populist xenophobic debates and hate crime of the 1990s, the chapter illustrates both, individual success and vulnerability due to institutionalised forms of anti- Muslim and anti-Turks segments in Germany.

Le rôle de l'éducation spécialisée brésilienne en temps d'inclusion application d'une méthode d'analyse de contenu aux politiques éducatives de 1990-2008

Ce mémoire est le résultat d'une étude descriptive et exploratoire sur le rôle de l'éducation spécialisée dans le contexte éducatif brésilien, qui favorise l'inclusion scolaire. Cette recherche présente les résultats d'une analyse des politiques éducatives depuis les années 90 concernant l'éducation spécialisée et l'inclusion scolaire au Brésil. La démarche ainsi entreprise procède à une analyse de contenu thématique réalisée sur un échantillon de six documents officiels. Au Brésil, on compte sur l'éducation spécialisée pour promouvoir l'inclusion scolaire. Mais, étant donné que le paradigme de l'éducation spécialisée est substantiellement différent de celui de l'inclusion scolaire, l'objectif premier de notre recherche a été de décrire et d'analyser les politiques éducatives concernant l'éducation spécialisée et l'inclusion scolaire au Brésil. Les résultats de notre analyse nous ont montré que l'inclusion a peu de chances de faire des progrès si des changements au plan des politiques éducatives ne sont pas effectués.

La transformation des pratiques professionnelles chez les enseignants du secondaire : analyse des effets de la participation aux cercles d'apprentissage et d'inclusion

Cette recherche poursuit l'objectif général d'analyser la transformation des pratiques professionnelles des enseignants du secondaire à l'égard des élèves en difficulté intégrés en classe régulière suite à leur participation au dispositif des cercles d'apprentissage et d'inclusion (CAI). La problématique met en évidence les changements de paradigmes associés aux multiples réformes du système de l'éducation et les difficultés auxquelles sont confrontés les enseignants depuis l'instauration de la nouvelle Politique de l'adaptation scolaire au Québec. Les nouvelles visées ministérielles prônent désormais une éducation de qualité pour tous. La notion d'équité est à la base des actions qui doivent guider les pratiques de l'école inclusive. Cependant, les écrits sur le sujet soulignent le manque de connaissances des enseignants pour adapter leurs pratiques professionnelles aux élèves en difficulté intégrés dans leur classe (Gaudreau, Legault, Brodeur, Hurteau, Dunberry, Séguin, Legendre, 2008; MacKay, 2006). Ces auteurs suggèrent à cet égard, la nécessité d'implanter dans les milieux des dispositifs de formation continue axés sur l'acquisition de connaissances quant aux processus d'apprentissage des élèves, aux pratiques pédagogiques différenciées et aux stratégies favorables aux apprentissages. La méthodologie utilisée s'inscrit dans une démarche de co-construction des savoirs. (Desmarais, Boyer et Dupont, 2005) avec des enseignants désireux de travailler sur l'amélioration de leurs pratiques professionnelles à l'égard des élèves en difficulté intégrés en classe régulière au secondaire. Ainsi, des groupes de réflexions portant sur l'analyse de l'expérience vécue par les enseignants ont permis d'offrir un accompagnement et un cadre défini pour la collecte de données (Boudreault et Kalubi, 2006). Des entrevues semi-dirigées ont complété notre collecte de données à la fin du projet afin de préciser et de nuancer les propos recueillis lors des groupes de réflexion. Les résultats obtenus nous ont permis d'identifier certaines conditions à mettre en place dans l'accompagnement des enseignants en exercice et de mieux comprendre les difficultés relatives à un tel dispositif.

The Impact of School Leadership on Parental Engagement: a Study of Inclusion and Cohesion

This article focuses on the role played by principals in enhancing parental involvement in primary schools. The schools involved in this research were characterised by a high presence of ethnic minority children and were located in a neighbourhood of low social and economic status in the Midlands region of the United Kingdom. Qualitative methods were employed in order to explore the influence of strong leadership on engagement of the parents. The study spanned a period of four years, giving an opportunity to examine sustainability of the activities introduced by the principals and staff. The findings reported are based on data collected from an Infant and Junior School involved in a number of extra-curricular and curriculum-enhancing projects. It argues that strong leadership fosters engagement of parents in school activities and thus academic achievement of pupils improved over time. The findings bring evidence that the role of the school principal is crucial in the introduction, implementation and sustainability of solutions focused on parental involvement, as well as bringing benefits to the social cohesion of the local community. Full Text:

Women in the driving seat Eastern European immigrant women s citizenship participation and educational inclusion in Portugal

This paper is a case study of Eastern European immigrant women’s social inclusion in Portugal through civic participation. An analysis of interviews conducted with women leaders and members of two ethnic associations provides a unique insight into their migrant pathways as highly educated women and the ways in which these women are constructing their citizenship in new contexts in Northern Portugal. These women’s accounts of their immigrant experience embrace both the public realm, in using their own education and their children’s as a means of integration but also spill over into ‘non-public’ familial relationships at home in contradictory ways. These include the sometimes traditional, gender-defined division of labour within the associations and at home and the new ways that they negotiate their relative autonomies to escape forms of violence and subordination that they face as women and immigrants.

Inclusion of disabled people in siemens AG'S energy management division

This work project is a business plan for a project regarding corporate social entrepreneurship that will be developed by Siemens Switchboard Factory in Corroios. The main purpose of this project is to understand the viability of a partnership between Siemens AG’s and CERCISA in order to include disabled people into Siemens AG’s Energy Management Division, with the goal of achieving social and economic impact by insources activities while complying with the law1. The produced output, a business plan, aims to study and understand the practical suitability and feasibility of the concepts and propose a sustainable project that can be replicated, starting with a pilot testing and validation period.

A qualitative study of inclusion at a residential summer camp

The purpose of this qualitative case study was to understand the inclusion process at a Project Rainbow affiliated camp. Project Rainbow is a non-profit organization which promotes inclusion into children's camps in Ontario. This study was completed in order to provide stakeholders of the camping industry insight on how inclusive techniques can be implemented in residential camps. The researcher observed one camp's inclusion techniques for six days. The researcher observed three campers with disabilities and the camp staff and campers that interacted with them on a daily basis. While the researcher was at the camp, she interviewed nine staff members. The staff members consisted of the camp director, the inclusion coordinator, four camp counsellors, and three inclusion counsellors. An additional interview was conducted after arriving home from camp with the manager from Project Rainbow. The qualitative analysis program NVivo was used to help organize the analyzed data. The researcher found that in attempting to build a culture of inclusion, two important concepts are necessary. First, mutual leadership involved the camp director and Project Rainbow working together as a team to facilitate the inclusion process. Second, power of supportive relationships focused on inclusion being the responsibility of everyone, teamwork, and creating a welcoming environment. Hints at some potentially serious problems related to staff training, teamwork, and attitudes of non-disabled campers pointed to future research and policies which focus on the Ontario and Canadian Camping Associations' role in inclusion, in addition to camp in this study and Project Rainbow.

Examining the inclusion experiences of students with intellectual disabilities : a study focusing on the transition from elementary to secondary school

Transitioning from elementary to secondary school is a major event in adolescents' lives and can be associated with academic, social, and emotional challenges (Shaffer, 2005; Sirsch, 2003). Considerably less research has focused on the transitional experiences of students with intellectual disabilities (lD) as they enter secondary school and the role of educational inclusion in this process (Noland, Cason, & Lincoln, 2007). Conceivably, students with ID who leave inclusive elementary schools, where they have been educated alongside their peers without ID, and who enter segregated secondary educational placements may experience unique social and emotional challenges (Farmer, Pearl, & Van Acker, 1996; Fryxell & Kennedy, 1995; Shaffer, 2005). This study examined the transitional experiences of 6 students with ID and the role of educational inclusion, with a focus on elementary to secondary school transitions from inclusive to segregated settings and vice versa. This study included the collection of multiple sources of data. Semi-structured interviews with 6 caregivers and students with ID were conducted. Students' Individual Education Transitional Plans were discussed in caregivers' interviews to determine how they shaped students' educational inclusion experiences (Ontario Ministry of Education & Training, 1999/2000/2004). Parts ofthe following questionnaires were "qualitized" (Tashakkori & Teddlie, 1998) and administered orally: "Youth Self-Report" (YSR; Achenbach, 2001 c) and "Child Behaviour Checklist Caregivers Form" (CBLC/6-18; Achenbach, 200la). The findings of this study contribute to the literature on educational inclusion by highlighting the positive/negative social and emotional impact of congruent and incongruent transitional experiences of students with ID and the role of educational inclusion.