Factors affecting choice of financial services among rural consumers: Emerging experiences from Gicumbi District, northern Province in Rwanda

Enhancement of financial inclusivity of rural communities is often recognised as a key strategy for achieving economic development in third world countries. The main objective of this study was to examine the factors that influence consumers’ choice of a rural bank in Gicumbi district of Rwanda. Data was collected using structured questionnaires and analysed using a binary probit regression model and non-parametric procedures. Most consumers were aware of Popular Bank of Rwanda (BPR) and Umurenge SACCO through radio advertisements, social networks and community meetings. Accessibility, interest rates and quality of services influenced choice of a given financial intermediary. Moreover, the decision to open a rural bank account was significantly influenced by education and farm size (p<0.1). These results indicate the need for financial managers to consider these findings for successful marketing campaigns.

Scoring Methods for Ordinal Multidimensional Forced-Choice Items

In most psychological tests and questionnaires, a test score is obtained by taking the sum of the item scores. In virtually all cases where the test or questionnaire contains multidimensional forced-choice items, this traditional scoring method is also applied. We argue that the summation of scores obtained with multidimensional forced-choice items produces uninterpretable test scores. Therefore, we propose three alternative scoring methods: a weak and a strict rank preserving scoring method, which both allow an ordinal interpretation of test scores; and a ratio preserving scoring method, which allows a proportional interpretation of test scores. Each proposed scoring method yields an index for each respondent indicating the degree to which the response pattern is inconsistent. Analysis of real data showed that with respect to rank preservation, the weak and strict rank preserving method resulted in lower inconsistency indices than the traditional scoring method; with respect to ratio preservation, the ratio preserving scoring method resulted in lower inconsistency indices than the traditional scoring method

Mi portfolio : valorando nuestras lenguas y culturas. II.

Seleccionado en la convocatoria: Ayudas a la innovación e investigación educativa en centros docentes de niveles no universitarios, Gobierno de Aragón 2009-10

Proyecto integrado de lenguas : mi portfolio : valorando nuestras lenguas y culturas.

Seleccionado en la convocatoria: Ayudas a la innovación e investigación educativa en centros docentes de niveles no universitarios, Gobierno de Aragón 2008-09

Experimentación del portfolio electrónico (e-pel) en secundaria I.

Seleccionado en la convocatoria: Ayudas a la innovación e investigación educativa en centros docentes de niveles no universitarios, Gobierno de Aragón 2010-11

Estrategias de mejora en la enseñanza aprendizaje de las lenguas extranjeras y segundas lenguas: mi portfolio.

Seleccionado en la convocatoria: Ayudas a la innovación e investigación educativa en centros docentes de niveles no universitarios, Gobierno de Aragón 2010-11

Evaluation of five guidelines for option development in multiple-choice item-writing. 'Evaluaci??n de cinco directrices para la construcci??n de opciones en ??tems de elecci??n m??ltiple'

Resumen tomado de la publicaci??n

EPS (Electronic Portfolio System)

In 2001, before the term “e-portfolio” was common parlance there was a perceived need to enable teachers in training to save, store, present and archive their electronically-based work so that it could be assessed by tutors. A Teacher Training Agency (TTA) Grant was used to design and implement an online system for trainee teachers to save evidence of their activities called Electronic Portfolio System (EPS). Over the years, its use and value has changed and, through the support of the Teacher Development Agency for schools (TDA), the system will continue to develop. The features of the system have grown organically because of technology changes and by tutors and mentors identifying affordances. This presentation will identify the principles and how they guide the development process. It will give an opportunity to elucidate the next stages in e-portfolio developments.

Sustaining Success - portfolio questions

A one page version of the portfolio questions used for the routes to success section of the engineering foundation year. This is part three sustaining success

Engineering Foundation Year - Sustaining Success Portfolio Template

Template - word processed document for 'Routes to Success' Coursework 3 'Sustaining Success'

Engineering Foundation Year - sustaining success portfolio summary

single sheet containing all the section headings for the portfolio, providing overview

Foundation Year RTS Part 3 Portfolio Template Summary: Science and Engineering 2012-13

Part 3 Routes to Success summary of the portfolio template on one A4 page

Foundation Year RTS3 Portfolio Template: Science and Engineering 2012-13

Part 3 Routes to Success Portfolio template on five A4 page

Sustaining Success portfolio summary

The portfolio comprises a cover sheet plus five pages of reflective writing, one page addressing each different portfolio topic This document summarises the contents of the portfolio IT IS NOT THE PORTFOLIO TEMPLATE The questions shown under each sub-heading are meant to act as thinking prompts to help you in the reflective process.