Customer satisfaction in the banking industry: a comparative study of Ghana and Spain

La satisfacció és una preocupació crucial pels clients i per les organitzacions, incloent els bancs. L'estudi examina la satisfacció global dels clients dels bancs a Ghana i Espanya. Així s'analitzen aspectes com la relació entre satisfacció global i les dimensions de qualitat dels serveis bancari, així com les pròpies dimensions principals de la qualitat d'aquests serveis. Finalment, les percepcions sobre aquestes dimensions son comparades entre els bancs de Ghana i Espanya. S'han analitzat els clients de 819 bancs de Ghana i Espanya, els resultats van mostrar que els clients espanyols estaven més descontents respecte les dimensions tangibles i empatia metre que els clients de Ghana puntuaven pitjar la dimensió conveniència. En general, els clients de Ghana estaven força més descontents amb els serveis bancaris que els d'Espanya. La fiabilitat, l'empatia i la conveniència son els predictors de satisfacció global en Ghana, mentres que la fiabilitat és la única dimensió que explica la satisfacció global a Espanya.

April 2010: South Carolina 2009 Notable State Documents

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Essays on monetary and banking theory

Esta tese de Doutorado é dedicada ao estudo de instabilidade financeira e dinâmica em Teoria Monet ária. E demonstrado que corridas banc árias são eliminadas sem custos no modelo padrão de teoria banc ária quando a popula ção não é pequena. É proposta uma extensão em que incerteza agregada é mais severa e o custo da estabilidade financeira é relevante. Finalmente, estabelece-se otimalidade de transições na distribui ção de moeda em economias em que oportunidades de trocas são escassas e heterogêneas. Em particular, otimalidade da inflação depende dos incentivos dinâmicos proporcionados por tais transi ções. O capí tulo 1 estabelece o resultado de estabilidade sem custos para economias grandes ao estudar os efeitos do tamanho populacional na an álise de corridas banc árias de Peck & Shell. No capí tulo 2, otimalidade de dinâmica é estudada no modelo de monet ário de Kiyotaki & Wright quando a sociedade é capaz de implementar uma polí tica inflacion ária. Apesar de adotar a abordagem de desenho de mecanismos, este capí tulo faz um paralelo com a an álise de Sargent & Wallace (1981) ao destacar efeitos de incentivos dinâmicos sobre a interação entre as polí ticas monet ária e fiscal. O cap ítulo 3 retoma o tema de estabilidade fi nanceira ao quanti car os custos envolvidos no desenho ótimo de um setor bancário à prova de corridas e ao propor uma estrutura informacional alternativa que possibilita bancos insolventes. A primeira an álise mostra que o esquema de estabilidade ótima exibe altas taxas de juros de longo prazo e a segunda que monitoramento imperfeito pode levar a corridas bancárias com insolvência.

Covenanters of South Carolina Collection - Accession 208 - M92 (118)

The Covenanters of South Carolina Collections consists of a "Sketch of the Covenanters of Rocky Creek, South carolina About 1750 to 1840" by Miss Mary Elder, 1886 as dictated to her by her father Mr. Matthew Elder, Yorkville, SC. Also included is an undated genealogical sketch of William Stinson (Stevenson) (1752-1809) who was a covenanter from Rocky Creek, SC and a "History of Fishing Creek Presbyterian Church by Mrs. Frank Hicklin" that was written ca. 1958. The Fishing Creek Presbyterian Church was organized ca. 1752.

Equal Rights Amendment South Carolina Coalition Records - Accession 693

The Equal Rights Amendment South Carolina Coalition Records consist of pamphlets, membership listings, newsletters, bulletins, interstate correspondence, legislation positions, polls, newspaper clippings, article reprints, general correspondence and various memorabilia to the attempt to obtain South Carolina ratification of the passage of Equal Rights Amendment. The Equal Rights Amendment (ERA) was a proposed amendment to the United States Constitution designed to guarantee equal rights for women.

Equal Rights Amendment South Carolina Coalition Records - Accession 388

The Equal Rights Amendment (ERA) South Carolina Coalition Records date from 1972-1982 and include minutes of meetings, correspondence, magazine articles and newspaper clippings, brochures, pamphlets, flyers, memoranda, and other records relating to the drive for ERA ratification in South Carolina.The ERA was a proposed amendment to the United States Constitution designed to guarantee equal rights for women.

South Carolina Teacher Association History - Accession 240 - M101 (130)

The South Carolina Teacher Association History collection consists of a publication written by David Duncan Wallace titled History of the South Carolina Teachers' Association in 1924. The publication covers the history of the South Carolina Teacher Association from its founding in 1850 to 1924.

South Carolina Home Economics Association Records - Accession 22

This collection is a valuable source on home economics history in South Carolina during the twentieth century. While there is information on the SCHEA from its beginning in 1914 to 1980, the actual records do not start until 1920. An outline of what the South Carolina Home Economics Association was doing from 1914 to 1920, is provided in the “historical file” (see Box 1, folders 1 to 4). The inclusive dates for a particular series may vary and, for most series, the records are incomplete. The collection contains all the records normally created by an organization, including constitutions, correspondence, minutes, reports, handbooks, etc. A wide variety of research topics could be developed from the records, including the SCHEA’s impact on the legislative process in South Carolina (e.g. the passage of the bill for the enrichment of cornmeal and grits in 1943), its cooperation and relationship with relief agencies in the state and its role in improving child health during the 1930s.

South Carolina International Women's Year Conference Records - Accession 101 - M43 (57-58)

The South Carolina International Women's Year Conference Records consist of news releases, membership lists, directives, bibliographies, memorabilia, newspaper clippings, and other records, concerning the SC International Women’s Year Conference held June 10-11, 1977 in Columbia, SC which met to discuss women’s issues.

South Carolina Farmer's Alliance Papers - Accession 43 - M18 (28)

The South Carolina Farmer's Alliance Papers consist of a reminiscence of the Farmer’s Alliance by W.A. James of Bishopville, SC, who was a county business agent for Sumter County. Also included is a two page comment by Dr. John H. Moore of the Winthrop History Department. The Farmers Alliance was an organized agrarian economic movement among farmers that developed and flourished from the 1870s through 1900.

South Carolina Federal Feminist Credit Union Records - Accession 106 - M45 (60)

The South Carolina Federal Feminist Credit Union Records consists of a charter, newspaper clippings, photographs, statements, minutes, correspondence, memoranda and brochures relating to the creation and early history of the Credit Union, the first of its kind in the Southeast and the tenth one established in the nation. The Credit Union dissolved on September 1, 1977.

Pilot Club International South Carolina District Records - Accession 205

The Pilot Club International was a service oriented club for women, however men are now allowed to join. The South Carolina District was founded in the 1930s for “the promotion of social welfare through the performance of civil and beneficial service of the character generally accomplished by civic organizations, rendering aid and assistance to local Pilot Clubs and implementing at the district level the programs and policies of Pilot Club International.” The Pilot Club International South Carolina District Records consist of a certificate of incorporation, minutes, annual reports, correspondence, resolutions and lists of standing rules.

South Carolina International Women's Year Conference Records - Accession 226

The South Carolina International Women's Year Conference Records focuses on the workings of the various committees which organized the (SCIWY) Conference and provided essential information on the planning and execution of the state meeting. The collection consists of correspondence, memoranda, minutes, agenda notes, reports, speeches, financial records, newspaper clippings, press releases, election tally sheets, delegate applications, questionnaires, brochures, photographs, cassette tape recordings and publications pertaining mainly to the (SCIWY) Conference but also to the National Conference.

South Carolina Council on Family Relations Records - Accession 199

The South Carolina Council on Family Relations was organized in 1956 to promote communication among representatives of participating organizations and citizens in order to further their common objective of strengthening family life in South Carolina. The South Carolina Council on Family Relations Records consist of constitutions, brochures, pamphlets, minutes, correspondence, membership lists, and annual reports, documenting the council’s growth, development, and functions.

Path characteristics and colony arrival-departure statistics of king penguins (Aptenodytes patagonicus) on Possession and Kerguelen Island

Orientation based on visual cues can be extremely difficult in crowded bird colonies due to the presence of many individuals. We studied king penguins (Aptenodytes patagonicus) that live in dense colonies and are constantly faced with such problems. Our aims were to describe adult penguin homing paths on land and to test whether visual cues are important for their orientation in the colony. We also tested the hypothesis that older penguins should be better able to cope with limited visual cues due to their greater experience. We collected and examined GPS paths of homing penguins. In addition, we analyzed 8 months of penguin arrivals to and departures from the colony using data from an automatic identification system. We found that birds rearing chicks did not minimize their traveling time on land and did not proceed to their young (located in creches) along straight paths. Moreover, breeding birds' arrivals and departures were affected by the time of day and luminosity levels. Our data suggest that king penguins prefer to move in and out of the colony when visual cues are available. Still, they are capable of navigating even in complete darkness, and this ability seems to develop over the years, with older breeding birds more likely to move through the colony at nighttime luminosity levels. This study is the first step in unveiling the mysteries of king penguin orientation on land.