947 resultados para Interlibrary Loan Roundtable
Resumo:
Peruskoulun ensimmäisen ja toisen luokan oppilaat ovat opintiensä alussa mutta vielä lähellä varhaislapsuuden leikin ja vapauden maailmaa. Vuodesta 2004 alkaen heillä on ollut lakisääteinen oikeus osallistua koulunjälkeiseen aamu- tai iltapäiväkerhoon. Läksyjenteon, välipalan ja askartelun tai muun ohjatun harrastusmuodon lisäksi kerhossa on mahdollisuus myös vapaaseen leikkiin ja toimintaan. Iltapäiväkerhot ovat niin vanhempien kuin lasten suosima vapaa-ajanviettotapa, jonka valitsevat lähes kaikki 1.-luokkalaisten ja osa 2.-luokkalaisten lasten vanhemmista, vanhempien mukaan erityisesti turvallisuussyistä. Tämän laadullisen, lapsuuden sosiologiaan ja yleiseen sosiologiaan kiinnittyvän, mutta myös kasvatustieteestä ja filosofiasta aihetta lähestyvän pro gradu -työn tavoitteena on tarkastella lasten hyvinvointia ja iltapäiväkerhon kasvatusvuorovaikutusta autonomian, toimijuuden ja sosiaalisuuden näkökulmasta. Aineistoanalyysin selektiivisessä vaiheessa ydinkategorioiksi nousivat auktoriteetin laatu ja valvonnan määrä. Tutkielman empiirinen aineisto koostuu tutkimuskohteeksi satunnaisesti valitun, suuren eteläsuomalaisen kunnan koulun tiloissa järjestetyn iltapäiväkerhon etnografisesta havainnoinnista, 14 lapsen parihaastatteluista ja kymmenelle vanhemmalle lomakkeella esitetyistä kysymyksistä. Analyysimenetelmänä on etnografia ja grounded theoryna tunnettu metodi. Tutkielman perusteella henkilökunnan pedagogisen auktoriteetin laatu ja kasvatusote kuvastavat kasvatuskulttuurien ja lapsuudesta käytävän määrittelyn murrosta, samoin kuin kerhon asemaa koulun ja vapaa-ajan välimaastossa. Vuorovaikutuksessa auktoriteetin laatu näyttäytyy enemmän autoritäärisena kuin neuvottelevana ja osallistavana, mutta on sekoitus molempia. Lasten autonomisuus ja osallisuus toteutuvat aineiston valossa puutteellisesti. Myös lasten käsitys ja tieto oikeuksistaan tuoda esiin mielipiteensä on epävarmaa. Jatkuva valvonta ja toiminnan muutokset edellyttävät lapsilta herkeämätöntä reagointi- ja muutosvalmiutta, mikä ei vastaa iltapäiväkerhoille asetettujen toiminnan perusteiden mukaista rentoutumisen, virkistyksen tai levon toteutumista. Toisaalta vertaissuhteilla on suuri rooli lasten voimavarana tiukan aikuisjohtoisessa toimintaympäristössä. Toimijuutta ilmentävä, vaikeasti havaittava ja monia muotoja saava lasten keskinäinen vertaiskulttuuri toimii yhdistävänä siteenä lasten välillä ja vahvistaa heidän keskinäistä sosiaalisuuttaan ja yhteenkuuluvuuttaan. Samalla se korostaa lasten ja aikuisten suhteen hierarkkisuutta ja vastakkaisuutta yhteistoiminnan sijaan. Tutkielma jättää avoimeksi kysymyksen auktoriteetin laadun ja valvonnan määrän vaikutuksesta iltapäiväkerholapsiin ja heidän myöhempään kasvuunsa itseensä luottaviksi, autonomisiksi kansalaisiksi nopeasti muuttuvassa maailmassa. Jatkuvan konfliktin uhan alainen ilmapiiri ei edesauta luottamuksellisen ilmapiirin syntymistä. Kasvatusinstituutiossa välttämätön auktoriteetti voi olla monenlaista, autonomiaa ja luottamusta edistävää, yksipuolista kurikasvatusta tai epäröivä sekoitus molempia. Sen laadulla ja määrällä on merkitystä iltapäiväkerholasten hyvinvoinnin kannalta. Koulun jälkeisessä iltapäivässä lasten vapaan toiminnan, levon ja liikunnan mahdollisuuksiin, riittäviin ja tarkoituksenmukaisiin toimintatiloihin ja ohjaajien kasvatusvalmiuksiin tulee tämän tutkielman valossa myös kiinnittää nykyistä enemmän huomiota. Avainsanat – Nyckelord – Keywords Lapsuus, hyvinvointi, joustava kasvatus, kasvatuskulttuurien murros, vertaiskulttuuri, vuorovaikutus, auktoriteetin laatu, valvonta
Resumo:
Pro gradu -tutkielmassani tarkastelen diasporia ja niihin kohdistuvaa kansainvälistä sääntelyä. Diasporilla tarkoitan valtion rajojen ulkopuolella asuvia ihmisiä, joilla on jokin, esimerkiksi etninen tai kieliside tuohon valtioon. Valtiolla puolestaan voi olla jokin intressi suhteessa diasporaansa. Diasporiin liittyvät kysymykset ovat ajankohtaisia globaalissa maailmassa, jossa ihmisillä on entistä enemmän mahdollisuuksia pitää siteitä yllä useampaan kuin yhteen valtioon. Diasporien ohella kirjallisuudessa puhutaan myös kin-state -problematiikasta, kun viitataan valtioiden harjoittamaan politiikkaan, joka pyrkii vaikuttamaan toisen valtion alueella asuvien tai oleskelevien ihmisten asemaan. Tutkimuksen teoreettinen viitekehys on englantilaisen koulukunnan ajatus kansainvälisestä yhteisöstä ja sille keskeisistä primaari-instituutioista, kuten valtiosuvereniteetti ja kansainvälinen oikeus. Se, miten valtio politiikassaan suhtautuu instituutioihin, kertoo valtion suhteesta kansainväliseen yhteisöön yleensä. Instituutioita voidaan puolestaan tarkastella tiettyjen kapea-alaisempien normien, sekundaari-instituutioiden, valossa. Edellä mainittuna sekundaari-instituutiona esitellään tutkielmassa se kansainvälinen normisto, joka vaikuttaa diasporien asemaan valtioiden välisessä politiikassa. Normisto perustuu Yhdistyneiden kansakuntien, Euroopan neuvoston ja ETYJ:n sopimuksiin ja suosituksiin. Kansainvälisen oikeuden lähtökohta on, ettei valtio voi puuttua diasporakseen katsomiensa ihmisten asemaan toisessa valtiossa edes ääritapauksessa, jossa asuinvaltio epäonnistuu tehtävässään suojella toisen valtion kansalaisia tai vähemmistöjään. Reagointivastuu on kansainvälisellä yhteisöllä – vaikka interventiota ulkomailla olevien kansalaisten suojelemiseksi onkin suoritettu sekä kylmän sodan aikana että sen jälkeen. Interventiot eivät ole diasporapolitiikan ainoa muoto ja monilla valtioilla onkin niin sanottuja diasporalakeja, joiden puitteissa ne voivat vaikuttaa diasporiensa asemaan. Koulutukseen ja kulttuuriin liittyvä tuki on eurooppalaisissa suosituksissa katsottu hyväksyttäväksi, mutta muiden tukimuotojen ulottamista diasporiin tulee harkita ja soveltaa vain erityistapauksissa, jos politiikalla on valtion toimivallan ulkopuolella vaikuttavia seurauksia. Tutkimus näyttää, että diasporakysymysten sääntely on kansainvälisessä yhteisössä vielä osin määrittelemätöntä sekä altista valtioiden tulkinnoille. Esimerkkinä valtioiden tulkinnoista ja niiden harjoittamasta diasporapolitiikasta tarkastellaan Venäjän federaation politiikkaa, sillä Venäjän ulkopolitiikassa esillä pidetty kiinnostus suojella ulkomailla olevia kansalaisia ja maanmiehiä on herättänyt myös kansainvälistä huomiota. Venäjän politiikan tarkastelu luo kontekstin, jossa tutkielman varsinaista kiinnostuksenkohdetta, Suomen venäläisen diasporan asemaa, on mahdollista tarkastella. Tutkimusaineistoa ovat Venäjän johdon lausunnot liittyen viimeaikaisiin Suomen ja Venäjän välisiin nk. lapsikiistoihin. Teoriaohjaava sisällönanalyysi aineistosta esittää, että vaikka vihjeitä politiikassa yleisesti esiintyvästä nk. suojelupuheesta on havaittavissa myös Suomen venäläisen vähemmistön asemaan liittyen, ei Venäjä lapsikiistoissa kuitenkaan suoraan loukannut Suomen suvereniteettia tai kansainvälistä oikeutta. Tiettyjen puhetapojen ja esimerkiksi lapsiasiamies Astahovin toiminnan voidaan kuitenkin tulkita olevan kansainvälisen normiston vastaisia ja siten myös loukkaavan suvereniteettia ja kansainvälisen oikeuden henkeä. Teoreettisen viitekehyksen tehtävä oli ensisijaisesti antaa näkökulmia aineiston tarkasteluun. Venäjän politiikan suhde suvereniteettiin ja kansainväliseen oikeuteen suhteessa tässä tarkasteltuun politiikkakysymykseen kertoo kuitenkin myös Venäjän asemasta kansainvälisen yhteisön jäsenenä. Diasporanormistoon sitoutuminen osoittaa Venäjän sitoutuneen ainakin periaatteellisella tasolla solidaristiseen, yhteisiä normeja jakavaan kansainväliseen yhteisöön – toisaalta Venäjän viime vuosien politiikka kuitenkin osoittaa Venäjän samalla haastavan myös pluralistisille yhteisöille keskeisiä valtiosuvereniteetin ja kansainvälisen oikeuden noudattamisen periaatteita. Tärkeimmät lähteet: Buzan (2004), Brubakers (1995), Hannikainen (2000), Holsti (2004), Gazzini (2005), Gray (2000), Kántor ym. (2004), Sheffer (2003), Shevel (2010 ja 2011), Turner ja Otsuki (2010) ja Zevelev (2001 ja 2008).
Resumo:
This thesis explores the link between South-South remittance and development. It attempts to establish improved understanding about the role of immigrants as agents of constituency growth and development. By doing so, it illuminates the dark corners of the policy implications that the unconventional development agency of immigrants might have for countries in the Organization ft Economic Cooperation and Development (OECD). The thesis problematises the existence of state-centric international cooperation as providing the recipe for failed Aid in the face of global poverty menace. In the last half a century, the relative shi' of focus to non-state actors brought about the proliferation of NGOs. That, intrun, helped improve international access to crisis situations; however, their long-term remedial impacts on poverty and development have been contested. Major misgivings for non-governmental organizations (NGOs) are, on one hand, low level goal-bound expenditures and lack of independence from influence of the state, on the other. Therefore, the thesis enterprises to empirically verify its fundamental question whether remitting immigrants constitute an alternative development agency to the traditional players: the State and NGOs. Its main arguments are: due to state's failures in bringing sustainable development in many countries of the South, the future of poverty reduction and development also rests in immigrants' remittances. Nonetheless, in the last decade, remittance security-nexus dominated its discourse. Because of that remittance was viewed as something requiring global regime and restrictions. These temptations to tightly regulate remittance flows carry the danger of overlooking its trans-boundary nature and its strong link with livelihood of the poor. Therefore, to avoid unintended consequences of interventions, there need to be clear policy that bases itself on a discursive knowledge on the issues of North-South and South-South remittances The study involved both literature based and empirical research. It employed Discourse Analysis (C as main method for the former and snow-balling as its approach for the latter. For the first part the thesis constructed three conceptual models, these are: metrological model, police model and ecological model on remittance development-nexus. Through this modeling, the thesis achieved better deconstruction on the concepts remittance, immigrants and development agency. The protagonists of each model, the values and interests they represent, and their main arguments along various lines of dichotomies have been discussed. For instance, the main treats of meteorological model include: it sees remittance as transitional economic variable which require constant speculations and global management; it acts as meteorological station for following up or predicting the level, direction, flow and movement of global remittance. It focuses on official lines and considers the state as legitimate recipient of advic and positive consequence of remittance. On the other hand, police model views remittance as beir at best, development neutral or as an illicit activity requiring global regulations and tight control. Both immigrants and remittance viewed as subversive to establishments. It gives primacy to state stable agent of development and a partner for international cooperation. The anti-thesis to the police model is supplied by ecological model, which this thesis is a part. Ecological model on remittance and immigrants argues that, tight global regulations alone cannot be a panacea for possible abuse of informal remittance system. Ecological model, not only links remittance to poverty reduction, the main trust of development, but also considers the development agency of immigrants as critical factor for 21st century north-south development intervention. It sees immigrants as development conscious and their remittance instrument as most stable flow of finance to the developing countries. Besides, it sees remittance as effective poverty solutions than Foreign Direct Investment and international AID. This thesis focuses on the significance of South-South remittance and investigates the South Africa - Ethiopia remittance corridor, as case study; and empirically verifies the role of Ethiopian (Kembata and Hadiya) immigrants in South Africa as agents of local development back home. The study involved techniques of interview, group discussions, observations and investigative study. It also looked into the determinants of their migration to South Africa, and their remittance to Ethiopia. The theoretical models in the first part of the thesis have been operationalised throughout the empirical part to verify if the Kembata and Hadiya immigrants played the crucial role in their household poverty and local development in comparison with the Ethiopian state and the NGOs involved in the system. As evidenced by the research the thesis has made three distinct contributions to the discourse of remittance development-nexus. Fist, it systematized the debate about linkages between remittance, immigrants, development agency and policy of international cooperation by creating three conceptual models (school of thoughts); second, it singled out remitting immigrants as new agents of development in the South; third, it deconstructed concept of remittance and established South¬South remittance as additional sphere of academic investigation. In addition to the above contributions, the thesis finds that Kembata and Hadiya immigrants have engaged in various developmental activities in their locality than usually anticipated. Hence, it concludes that Ethiopian immigrants constitute an alternative development agency to the state and other non-state actors in their country, and the lesson can be applied to poverty reduction strategies in most developing countries.
Resumo:
The purpose of this research was to investigate the role of electronic word of mouth (eWOM) in shaping consumer attitudes towards various products and services with concentration on the consumer attitude change. eWOM has long been proven to play an important role in influencing consumer attitudes and has been researched from a variety of perspectives. This study attempts to look deeper into the process of consumer attitude change by applying as the central theory of the study the Elaboration Likelihood Model of Persuasion by Petty and Cacioppo. In the processes of examining the background academic and empirical research the Internet and Web 2.0 are closely depicted in order to understand how throughout the past centuries technology allowed the rise of various mediums where consumers can not only share their opinions online about products and services but also communicate with other consumers. Manuel Castel’s Internet Galaxy, Gildin’s, Carl and Noland’s, Hennig-Thurau, Gwinner, Walsh and Gremler’s researches on eWOM are the central works that helped to shape both the theoretical and empirical parts of this study. The mixed method approach was chosen as a research method for this study. An online survey was conducted via the Surveymonkey.com platform and eight qualitative in-depth interviews were conducted. The results of the study show that central route queues as text quality and text argumentativeness are more prominent among the research subjects and the peripheral route queues: source credibility and source expertise did not show considerable significance. Also more experience and participation consumers have with user-rating websites and applications more inclined they are to elaborate on the central route cues and are more likely to search for opinions that they consider rational and credible. Also these respondents are less inclined to search for ratings that confirm their existing beliefs about products or services. Less experience/participation they have about eWOM more likely they are to search for reviews confirmatory to their own.
Resumo:
[1] D. Tse and P. Viswanath, Fundamentals of Wireless Communication.Cambridge University Press, 2006. [2] H. Bolcskei, D. Gesbert, C. B. Papadias, and A.-J. van der Veen, Spacetime Wireless Systems: From Array Processing to MIMO Communications.Cambridge University Press, 2006. [3] Q. H. Spencer, C. B. Peel, A. L. Swindlehurst, and M. Haardt, “An introduction to the multiuser MIMO downlink,” IEEE Commun. Mag.,vol. 42, pp. 60–67, Oct. 2004. [4] K. Kusume, M. Joham,W. Utschick, and G. Bauch, “Efficient tomlinsonharashima precoding for spatial multiplexing on flat MIMO channel,”in Proc. IEEE ICC’2005, May 2005, pp. 2021–2025. [5] R. Fischer, C. Windpassinger, A. Lampe, and J. Huber, “MIMO precoding for decentralized receivers,” in Proc. IEEE ISIT’2002, 2002, p.496. [6] M. Schubert and H. Boche, “Iterative multiuser uplink and downlink beamforming under SINR constraints,” IEEE Trans. Signal Process.,vol. 53, pp. 2324–2334, Jul. 2005. [7] ——, “Solution of multiuser downlink beamforming problem with individual SINR constraints,” IEEE Trans. Veh. Technol., vol. 53, pp.18–28, Jan. 2004. [8] A. Wiesel, Y. C. Eldar, and Shamai, “Linear precoder via conic optimization for fixed MIMO receivers,” IEEE Trans. Signal Process., vol. 52,pp. 161–176, Jan. 2006. [9] N. Jindal, “MIMO broadcast channels with finite rate feed-back,” in Proc. IEEE GLOBECOM’2005, Nov. 2005. [10] R. Hunger, F. Dietrich, M. Joham, and W. Utschick, “Robust transmit zero-forcing filters,” in Proc. ITG Workshop on Smart Antennas, Munich,Mar. 2004, pp. 130–137. [11] M. B. Shenouda and T. N. Davidson, “Linear matrix inequality formulations of robust QoS precoding for broadcast channels,” in Proc.CCECE’2007, Apr. 2007, pp. 324–328. [12] M. Payaro, A. Pascual-Iserte, and M. A. Lagunas, “Robust power allocation designs for multiuser and multiantenna downlink communication systems through convex optimization,” IEEE J. Sel. Areas Commun.,vol. 25, pp. 1392–1401, Sep. 2007. [13] M. Biguesh, S. Shahbazpanahi, and A. B. Gershman, “Robust downlink power control in wireless cellular systems,” EURASIP Jl. Wireless Commun. Networking, vol. 2, pp. 261–272, 2004. [14] B. Bandemer, M. Haardt, and S. Visuri, “Liner MMSE multi-user MIMO downlink precoding for users with multple antennas,” in Proc.PIMRC’06, Sep. 2006, pp. 1–5. [15] J. Zhang, Y. Wu, S. Zhou, and J. Wang, “Joint linear transmitter and receiver design for the downlink of multiuser MIMO systems,” IEEE Commun. Lett., vol. 9, pp. 991–993, Nov. 2005. [16] S. Shi, M. Schubert, and H. Boche, “Downlink MMSE transceiver optimization for multiuser MIMO systems: Duality and sum-mse minimization,”IEEE Trans. Signal Process., vol. 55, pp. 5436–5446, Nov.2007. [17] A. Mezghani, M. Joham, R. Hunger, and W. Utschick, “Transceiver design for multi-user MIMO systems,” in Proc. WSA 2006, Mar. 2006. [18] R. Doostnejad, T. J. Lim, and E. Sousa, “Joint precoding and beamforming design for the downlink in a multiuser MIMO system,” in Proc.WiMob’2005, Aug. 2005, pp. 153–159. [19] N. Vucic, H. Boche, and S. Shi, “Robust transceiver optimization in downlink multiuser MIMO systems with channel uncertainty,” in Proc.IEEE ICC’2008, Beijing, China, May 2008. [20] A. Ben-Tal and A. Nemirovsky, “Selected topics in robust optimization,”Math. Program., vol. 112, pp. 125–158, Feb. 2007. [21] D. Bertsimas and M. Sim, “Tractable approximations to robust conic optimization problems,” Math. Program., vol. 107, pp. 5–36, Jun. 2006. [22] P. Ubaidulla and A. Chockalingam, “Robust Transceiver Design for Multiuser MIMO Downlink,” in Proc. IEEE Globecom’2008, New Orleans, USA, Dec. 2008, to appear. [23] S. Boyd and L. Vandenberghe, Convex Optimization. Cambridge University Press, 2004. [24] G. H. Golub and C. F. V. Loan, Matrix Computations. The John Hopkins University Press, 1996.
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Loan mortgage interest rates are usually the result of a bank-customer negotiation process. Credit risk, consumer cross-buying potential, bundling, financial market competition and other features affecting the bargaining power of the parties could affect price. We argue that, since mortgage loan is a complex product, consumer expertise could be a relevant factor for mortgage pricing. Using data on mortgage loan prices for a sample of 1055 households for the year 2005 (Bank of Spain Survey of Household Finances, EFF-2005), and including credit risk, costs, potential capacity of the consumer to generate future business and bank competition variables, the regression results indicate that consumer expertise-related metrics are highly significant as predictors of mortgage loan prices. Other factors such as credit risk and consumer cross-buying potential do not have such a significant impact on mortgage prices. Our empirical results are affected by the credit conditions prior to the financial crisis and could shed some light on this issue.
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[ES]Este trabajo se centra en el análisis de la relación entre las políticas crediticias de las entidades de crédito y el comportamiento de las mismas ex post. Se hace una revisión de la teoría que justifica que los mercados crediticios pueden estar sujetos, en determinadas circunstancias, a un componente endógeno más elevado de lo que, en general, se atribuye. Se plantea como hipótesis de trabajo la existencia de una relación entre la intensidad en el crecimiento de la cartera crediticia de los bancos en las fases de expansión crediticia y su comportamiento ex post. Los resultados preliminares presentados confirman la hipótesis de que las entidades que más desvían su crecimiento crediticio respecto del crecimiento del PIB nominal, están sujetas a un peor comportamiento en cuanto a la evolución posterior de sus beneficios, rentabilidades e insolvencias.
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This technical memorandum documents the design, implementation, data preparation, and descriptive results for the 2006 Annual Economic Survey of Federal Gulf Shrimp Permit Holders. The data collection was designed by the NOAA Fisheries Southeast Fisheries Science Center Social Science Research Group to track the financial and economic status and performance by vessels holding a federal moratorium permit for harvesting shrimp in the Gulf of Mexico. A two page, self-administered mail survey collected total annual costs broken out into seven categories and auxiliary economic data. In May 2007, 580 vessels were randomly selected, stratified by state, from a preliminary population of 1,709 vessels with federal permits to shrimp in offshore waters of the Gulf of Mexico. The survey was implemented during the rest of 2007. After many reminder and verification phone calls, 509 surveys were deemed complete, for an ineligibility-adjusted response rate of 90.7%. The linking of each individual vessel’s cost data to its revenue data from a different data collection was imperfect, and hence the final number of observations used in the analyses is 484. Based on various measures and tests of validity throughout the technical memorandum, the quality of the data is high. The results are presented in a standardized table format, linking vessel characteristics and operations to simple balance sheet, cash flow, and income statements. In the text, results are discussed for the total fleet, the Gulf shrimp fleet, the active Gulf shrimp fleet, and the inactive Gulf shrimp fleet. Additional results for shrimp vessels grouped by state, by vessel characteristics, by landings volume, and by ownership structure are available in the appendices. The general conclusion of this report is that the financial and economic situation is bleak for the average vessels in most of the categories that were evaluated. With few exceptions, cash flow for the average vessel is positive while the net revenue from operations and the “profit” are negative. With negative net revenue from operations, the economic return for average shrimp vessels is less than zero. Only with the help of government payments does the average owner just about break even. In the short-term, this will discourage any new investments in the industry. The financial situation in 2006, especially if it endures over multiple years, also is economically unsustainable for the average established business. Vessels in the active and inactive Gulf shrimp fleet are, on average, 69 feet long, weigh 105 gross tons, are powered by 505 hp motor(s), and are 23 years old. Three-quarters of the vessels have steel hulls and 59% use a freezer for refrigeration. The average market value of these vessels was $175,149 in 2006, about a hundred-thousand dollars less than the average original purchase price. The outstanding loans averaged $91,955, leading to an average owner equity of $83,194. Based on the sample, 85% of the federally permitted Gulf shrimp fleet was actively shrimping in 2006. Of these 386 active Gulf shrimp vessels, just under half (46%) were owner-operated. On average, these vessels burned 52,931 gallons of fuel, landed 101,268 pounds of shrimp, and received $2.47 per pound of shrimp. Non-shrimp landings added less than 1% to cash flow, indicating that the federal Gulf shrimp fishery is very specialized. The average total cash outflow was $243,415 of which $108,775 was due to fuel expenses alone. The expenses for hired crew and captains were on average $54,866 which indicates the importance of the industry as a source of wage income. The resulting average net cash flow is $16,225 but has a large standard deviation. For the population of active Gulf shrimp vessels we can state with 95% certainty that the average net cash flow was between $9,500 and $23,000 in 2006. The median net cash flow was $11,843. Based on the income statement for active Gulf shrimp vessels, the average fixed costs accounted for just under a quarter of operating expenses (23.1%), labor costs for just over a quarter (25.3%), and the non-labor variable costs for just over half (51.6%). The fuel costs alone accounted for 42.9% of total operating expenses in 2006. It should be noted that the labor cost category in the income statement includes both the actual cash payments to hired labor and an estimate of the opportunity cost of owner-operators’ time spent as captain. The average labor contribution (as captain) of an owner-operator is estimated at about $19,800. The average net revenue from operations is negative $7,429, and is statistically different and less than zero in spite of a large standard deviation. The economic return to Gulf shrimping is negative 4%. Including non-operating activities, foremost an average government payment of $13,662, leads to an average loss before taxes of $907 for the vessel owners. The confidence interval of this value straddles zero, so we cannot reject, with 95% certainty, that the population average is zero. The average inactive Gulf shrimp vessel is generally of a smaller scale than the average active vessel. Inactive vessels are physically smaller, are valued much lower, and are less dependent on loans. Fixed costs account for nearly three quarters of the total operating expenses of $11,926, and only 6% of these vessels have hull insurance. With an average net cash flow of negative $7,537, the inactive Gulf shrimp fleet has a major liquidity problem. On average, net revenue from operations is negative $11,396, which amounts to a negative 15% economic return, and owners lose $9,381 on their vessels before taxes. To sustain such losses and especially to survive the negative cash flow, many of the owners must be subsidizing their shrimp vessels with the help of other income or wealth sources or are drawing down their equity. Active Gulf shrimp vessels in all states but Texas exhibited negative returns. The Alabama and Mississippi fleets have the highest assets (vessel values), on average, yet they generate zero cash flow and negative $32,224 net revenue from operations. Due to their high (loan) leverage ratio the negative 11% economic return is amplified into a negative 21% return on equity. In contrast, for Texas vessels, which actually have the highest leverage ratio among the states, a 1% economic return is amplified into a 13% return on equity. From a financial perspective, the average Florida and Louisiana vessels conform roughly to the overall average of the active Gulf shrimp fleet. It should be noted that these results are averages and hence hide the variation that clearly exists within all fleets and all categories. Although the financial situation for the average vessel is bleak, some vessels are profitable. (PDF contains 101 pages)
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The inadequate supply of tilapia seed is considered as one of the major present constraints to the development of the culture industry in Nigeria. The floating bamboo net-hapa hatchery/nursery system was observed to be very efficient in the mass production of tilapia (Oreochromis niloticus) fry and fingerlings at Kainji Lake Research Institute. This system was therefore, recommended for small-scale (artisanal) commercial operators consisting of fishermen families in order to increase their productivity and hasten development of rural communities. The economic analysis of this system showed that loan obtained for the recommended scale of operation can be amortized within 2 years of the project. It was emphasized that the operational and managerial skills of the fish farm operators account largely to the production cost and profitability of the enterprise
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The Quedan and Rural Credit Guarantee Corporation (Quedancor) of the Philippine Department of Agriculture has the critical responsibility of providing and improving credit assistance to fishers, it also has the task of helping its beneficiaries meet the repayment obligations of their loans. One reason for defaults can be attributed to the devastating impact of natural calamities. Schemes in place are still insufficient to help safeguard lending programs and operations from non-repayment of loans due to production losses and damages to personal properties.(PDF contains 5 pages) Natural calamities include the uncertainties and vagaries of weather and climate that bring about typhoons, floods, and drought; earthquakes; volcanic eruption as well as pests and diseases that affect the productivity of fisheries. When natural calamities occur, small fishers are unable to pay their loans from Quedancor, moreover they have difficulty renewing their loan applications from Quedancor or accessing credit from other sources. Failure to access credit could disable them to continue venture on fishing activities and could eventually jeopardize the welfare of their entire household. The inability of creditors to pay their loans and meet their obligations also impair, to a large extent, the financial operation and viability of the lending institutions. Risk management schemes currently employed include price stabilization measures, targeted relief` to typhoons and drought victims, and crop insurance systems, to name a few. Some of these schemes are becoming very expensive to implement. Moreover, they fail to enable fishers regain sufficient resources so that they may continue production.
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The extent of rural women fisherfolks contribution to fisheries was grossly under estimated and certainly under valued. The basis of their involvement in fisheries activities is to make themselves equal partners to men productive and self reliant participants in the process of improving their own and their family living standard and to enable them realize their full potentials. This survey is informed a system of data collection with the aid of questionnaires and analysis. Ninety-six of the questionnaires were administered to women fisher folks in eight fishing communities selected at random. Thirty seven (97) percent of the women fisher folks are between the ages of 25-35 years, 59.4% of them can only read and write in Arabic language and 21.9% only are literature in western education, which is a general characteristic of the rural population in Nigeria. 24.0% of the respondents are in full time fishing activities while 65-5% are fishmongers. They belong to cooperative societies but only 26% indicated to have benefited from loan and credit facilities. 84.4% of the respondents are sustained by the business. The major problems facing women fisherfolks includes poor market price, fish spoilage, high transport cost and lack of access to loan and credit facilities and extension assistance. Solution to these problems will increase their status benefit and development
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Field survey was conducted to evaluate the role of fishermen cooperative in the development of fisheries resources in Kainji Lake. The study was conducted with aid of questionnaires administered in five fishing villages namely Monnai, Yuna, Kaya, Malale and Tunga Danbaba. Ten questionnaires were administered in each fishing village majority of the fishermen interviewed are between the ages of 20-40 years. The results of the educational background revealed that 60% of the respondents were knowledgeable only on Quranic education. Majority of the respondents (86%) was members of fishermen cooperative societies. Only 32% of the respondents indicated to have benefited for loan and credit facilities. Sixty-nine (69) percent of fishermen realized income of between N1, 000-N2, and 000 daily. The major problem facing fishermen cooperative includes lack of capital, lack of access to loan and credit facilities, shortage of adequately trained and well-motivated fisheries extension workers, inadequate fishing inputs and high charge of fishing license fees by Kainji Lake fisheries Management and Conservation Unit (KLFMCU). Recommendation was made on how to improve fishermen cooperative for the development of the lake fisheries resources
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On 31 Oecember 1992, the Institut für Seefischerei Hamburg (ISH) will dissolve its branch of systematic ichthyology at the Zoologieal Museum Hamburg University. Remaining ISH ichthyology staff and facilities will move back in January 1993 to Institut für Seefischerei headquarters in Palmaille 9, D-·2000 Hamburg 50 (Tel. 040·389050, Fax 040·38905 129). The research field systematic ichthyology will not be continued at ISH. The ISH fish collection will be handed over to the Zoological Museum of Hamburg University (ZMH) as future responsible holder from 1 January 1993 onward. Loan requests for former ISH material should be addressed from January 1993 on only to: Prof. Dr. H. Wilkens, Kustos Ichthyologie, Zoological Museum der Universität, Martin-Luther-King-Platz 3, D·2000 Hamburg 13 (Tel. 040·4123 3870, Fax 040·4123 3937). A couple of months will be needed before requests for loan of former ISH holdings can be handled again. It should, however, be noted that even for a longer period there may be problems in serving loan requests promptly due to logistic difficulties and shortage of staff at the ZMH ichthyology department.
Resumo:
O objetivo desta dissertação é avaliar a importância dos estrangeirismos como auxiliares e contribuintes no nível léxico da Língua. Também, investigar o quadro sócio-histórico-cultural dos principais momentos em que os empréstimos linguísticos se fizeram presentes na Música Brasileira. Trata-se de um trabalho quantitativo e qualitativo, no qual se rastreou exatamente a presença desses neologismos no cancioneiro nacional, dos idos de 1930 aos dias atuais. Apontamos os momentos de sua maior incidência, aventamos e desvelamos as possíveis intenções de suas utilizações e seus significados, tácitos ou não; quer relacionados a aspectos sócio-históricos, quer relacionados aos seus vieses linguísticos propriamente ditos. Letras de músicas, fonogramas lançados em vinil, remasterizados; recursos audiovisuais foram buscados; assim como publicações específicas sobre música, biografias e literatura técnica sobre Língua Portuguesa