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.

Perception of quality in certified organic pineapples by farmers in Kayunga district, Central Uganda: Implications for food security

In East Africa, Uganda is one of the major producers of organic pineapples for export. These pineapples are mainly produced in central Uganda and have to meet stringent quality standards before they can be allowed on international markets. These quality standards may put considerable strain on farmers and may not be wholly representative of their quality interpretation. The aim of this paper is therefore, to determine the Ugandan organic pineapple farmers’ quality perception, the activities they carry out in order to attain that quality and challenges (production, postharvest & marketing) faced on the same. Qualitative semi-structured interviews were carried out among 28 organic pineapple farmers in Kayunga district, central Uganda. Findings suggest that quality of organic pineapples is mainly perceived in terms of product attributes particularly appearance followed by food security provision. Certification plays a minor role in what farmers describe as organic quality. High production input costs (labour and coffee husks) coupled with a stagnant premium are some of the major challenges faced by farmers in attaining organic quality. The paper argues that currently there are concealed negative food security effects embroiled in these pineapple schemes. It is recommended that the National Organic Agricultural Movement of Uganda (NOGAMU) works with all relevant stakeholders to have the farmer premium price raised and an official organic policy enacted.

Moderating effects of management control systems and innovation on performance. Simple methods for correcting the effects of measurement error for interaction effects in small samples

In the accounting literature, interaction or moderating effects are usually assessed by means of OLS regression and summated rating scales are constructed to reduce measurement error bias. Structural equation models and two-stage least squares regression could be used to completely eliminate this bias, but large samples are needed. Partial Least Squares are appropriate for small samples but do not correct measurement error bias. In this article, disattenuated regression is discussed as a small sample alternative and is illustrated on data of Bisbe and Otley (in press) that examine the interaction effect of innovation and style of use of budgets on performance. Sizeable differences emerge between OLS and disattenuated regression

Innovation strategies in the presence of technology markets: evidence from spanish innovative firms

The development of markets for technology has eased the acquisition of technology and reshaped the innovation strategies of firms that we classify as producers of innovations or as imitators. Innovative activities of firms include research, acquisition of technology and downstream activities. Within an industry, firms producing innovations tend to conduct more research and downstream activities than those imitating innovations. Acquisition of technology is equally important for both. To implement innovation strategies, firms producing innovations require both the capability to scan the external environment for technology and the capability to integrate new technology. Firms producing innovations require both, while firms imitating innovations require scan capabilities only

Innovation typology in tourism

Innovation is a research topic with a broad tradition. However, learning processes, from which innovations emerge, and the dynamics of change and development have traditionally been studied in relation with the manufacturing sector. Moreover, the objects of study have been usually process and tangible product innovations. Although recently researchers have focused their attention in other sectors, more research on service innovation should be carried out. Furthermore, regarding innovation in tourism, there is a need to adapt generic theories to the tourism sector and to contribute with new ideas. In order to find out, which are the origins of innovation processes, it is necessary to look into two fundamental subjects that are inherent to innovation, which are learning and interaction. Both are closely related. The first appears to be an intrinsic condition of individuals. Moreover, it can also be identified in organizations. Thus, learning allows individuals as well as organizations to develop. However, learning and development is not possible without taking the environment into account. Hence, it is necessary that interactions take place between individuals, groups of individuals, organizations, etc. Furthermore, the concept of interaction implies the transfer of knowledge, which is the basis for innovations. The purposes of this master thesis are to study in detail several of these topics and to develop a conceptual framework for the research on innovation in tourism

Socio-pedagogical impact of an Educational Innovation Project Supported by ICT

Resumen tomado de la publicaci??n

Creativity and innovation at work : The role of work characteristics and personal initiative

Resumen tomado de la publicaci??n

Job demands, job resources and individual innovation at work : Going beyond Karasek's model?

Resumen tomado de la publicaci??n. Resumen tambi??n en ingl??s

Une Innovation didactique basée sur les nanotechnologies au lycée: quels effets sur la dynamique professionnelle des enseignants?

Une nouvelle stratégie éducative a associé durant trois ans (2006-2009), au sein d’un lycée toulousain, enseignants du secondaire et chercheurs en sciences (CNRS-LAAS) et sciences humaines (ERT 64-GRIDIFE). Dans une classe de Terminale Scientifique, elle permet de combiner enseignement scientifique (mathématiques, physique-chimie, Sciences de la Vie et de la Terre) et enseignement aux « humanités » (philosophie, histoire-géographie-Éducation Civique, Juridique et Sociale (ECJS), anglais). Cette ingénierie d’éducation citoyenne des sciences repose sur l’enseignement des nanotechnologies. Ces dernières touchent de nombreux secteurs d’application et sont appelées à connaître un fort développement dans la société, engendrant de ce fait, de nombreux bouleversements en matière de développements économiques et industriels mais aussi de questionnements sur les relations entre sciences, technologies et société1. L’ingénierie d’éducation citoyenne aux sciences met l’accent sur la complémentarité entre formation scientifique et éthique pour éduquer les futurs citoyens à faire face à l’incertitude liée aux technosciences et leur impact sur la société (Désautels, 2002 ; Bensaude-Vincent, 2009)

Une Aide personnalisée pour le langage à l'école maternelle française: entre innovation et formation continue

De recentes directives ministerielles francaises (BO n° 25, 2008) ont impose aux enseignants de l'ecole primaire de consacrer deux heures par semaine de leur temps de travail a une Aide Personnalisee aux Eleves (APE). Au-dela des enjeux politiques et des tensions legitimes, s'est pose la question du contenu et de la pertinence de ces temps d'APE alors qu'aucun temps de formation supplementaire n'a ete prevu par le ministere. A l'ecole maternelle, l'objectif prioritaire etant la maitrise de la langue des eleves de trois a six ans, les APE peuvent theoriquement etre l'occasion pour les enseignants de mettre en place des situations d'interactions langagieres individualisees, ce qui est difficilement realisable avec le groupe classe. Neanmoins, reste la question de la conception et du contenu de ces temps d’echanges qui impliquent necessairement une reflexion sur les processus d’apprentissage du langage oral

Institutional innovation: synthesis of programme outcomes

Report of the work of the Projects funded by the JISC Institutional change/innovation Programme 2008-2010. Report produced by the Synthesis and Benefits Realisation Team linked to the Programme.

Innovation Research

In this sort video, Lorraine Warren, Senior Lecturer in Innovation at the School of Management, describes her research into this topic and outlines potential projects.

The Curriculum Innovation Programme at the University of Southampton: Curriculum design for a post-Browne world

This is a narrated slide presentation of a seminar delivered by Dr. Peter Smith, Associate Dean (Education) Faculty of Law, Arts and Social Sciences/Associate Dean Education and Student Experience Faculty of Social and Human Sciences. The recording lasts around 25 minutes. The seminar was delivered on 30 November, 2010 to the University of Southampton Higher Education Research Group. The presentation reflects the position of the University's Curriculum Innovation Programme as of November 2010/January 2011.

Curriculum Innovation Network Conference - 18th & 19th January 2011

Presentations from the Curriculum Innovation Network Conference that took place on 18th & 19th January 2011 at the University of Southampton. The ambition was to bring together a global network of universities who are engaged in institution-wide curriculum innovation. The focus of the network is to share learning and practice in a collaborative way, to identify best practice and to explore practical solutions to the challenges we face. Keynote speakers from across the world and colleagues from leading universities came together to share their experience on approaches to transforming their curricula and the overall learning experience of their students. The challenges of doing this are significant, and there is much that we can learn from each other as we seek to transform the learning environment of our institutions. We hope that all who attend found these two days of great value in starting and enhancing a global dialogue about education transformation. Additional presentations will be uploaded in due course. Please note the copy right of these presentations remains with the author.

Pharmaceutical innovation, reference pricing and therapeutic classes

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