Influences on secured lending property valuations in the UK

A significant part of bank lending in the UK is secured on commercial property and valuations play an important part in this process. They are an integral part of risk management within the banking sector. It is therefore important that valuations are independent and objective and are used properly to ensure that secured lending is soundly based from the perspective of both lender and borrower. The purpose of this research is to examine objectivity and transparency in the valuation process for bank lending and to identify any influences which may undermine the process. A detailed analysis of 31 valuation negligence cases has been followed by two focus groups of lenders and valuers and also questionnaire surveys of commercial lenders and valuers. Many stakeholders exist, for example lenders, borrowers and brokers, who are able to influence the process in various ways. The strongest evidence of overt influence in the process comes from the method of valuer selection with borrowers and brokers seen to be heavily involved. There is some also some evidence of influence during the draft valuation process. A significant minority of valuers feel that inappropriate pressure is applied by borrowers and brokers yet there is no apparent part of the process that leads to this. The panel system employed by lenders is found to be a significant part of the system and merits further examination. The pressure felt by valuers needs more investigation along with the question of if and how the process could dispel such feelings. This is seen as particularly important in the context of bank regulation.

Chapter 4: Simulation of reaction injection moulding

Reaction Injection Moulding is a technology that enables the rapid production of complex plastic parts directly from a mixture of two reactive materials of low viscosity. The reactants are mixed in specific quantities and injected into a mould. This process allows large complex parts to be produced without the need for high clamping pressures. This chapter explores the simulation of the complex processes involved in reaction injection moulding. The reaction processes mean that the dynamics of the material in the mould are in constant evolution and an effective model which takes full account of these changing dynamics is introduced and incorporated in to finite element procedures, which are able to provide a complete simulation of the cycle of mould filling and subsequent curing.

Achieving market segmentation from B2B sectorisation

Purpose – The creation of a target market strategy is integral to developing an effective business strategy. The concept of market segmentation is often cited as pivotal to establishing a target market strategy, yet all too often business-to-business marketers utilise little more than trade sectors or product groups as the basis for their groupings of customers, rather than customers' characteristics and buying behaviour. The purpose of this paper is to offer a solution for managers, focusing on customer purchasing behaviour, which evolves from the organisation's existing criteria used for grouping its customers. Design/methodology/approach – One of the underlying reasons managers fail to embrace best practice market segmentation is their inability to manage the transition from how target markets in an organisation are currently described to how they might look when based on customer characteristics, needs, purchasing behaviour and decision-making. Any attempt to develop market segments should reflect the inability of organisations to ignore their existing customer group classification schemes and associated customer-facing operational practices, such as distribution channels and sales force allocations. Findings – A straightforward process has been derived and applied, enabling organisations to practice market segmentation in an evolutionary manner, facilitating the transition to customer-led target market segments. This process also ensures commitment from the managers responsible for implementing the eventual segmentation scheme. This paper outlines the six stages of this process and presents an illustrative example from the agrichemicals sector, supported by other cases. Research implications – The process presented in this paper for embarking on market segmentation focuses on customer purchasing behaviour rather than business sectors or product group classifications - which is true to the concept of market segmentation - but in a manner that participating managers find non-threatening. The resulting market segments have their basis in the organisation's existing customer classification schemes and are an iteration to which most managers readily buy-in. Originality/value – Despite the size of the market segmentation literature, very few papers offer step-by-step guidance for developing customer-focused market segments in business-to-business marketing. The analytical tool for assessing customer purchasing deployed in this paper originally was created to assist in marketing planning programmes, but has since proved its worth as the foundation for creating segmentation schemes in business marketing, as described in this paper.

Action learning: how learning transfers from entrepreneurs to small firms

The paper presents research with small and medium enterprise (SME) owners who have participated in a leadership development programme. The primary focus of the paper is on learning transfer and factors affecting it, arguing that entrepreneurs must engage in ‘action’ in order to ‘learn’ and that under certain conditions they may transfer learning to their firm. The paper draws on data from 19 focus groups undertaken from 2010 to 2012, involving 51 participants in the LEAD Wales programme. It considers the literatures exploring learning transfer and develops a conceptual framework, outlining four areas of focus for entrepreneurial learning. Utilising thematic analysis, it describes and evaluates what (actual facts and information) and how (techniques, styles of learning) participants transfer and what actions they take to improve the business and develop their people. The paper illustrates the complex mechanisms involved in this process and concludes that action learning is a method of facilitating entrepreneurial learning which is able to help address some of the problems of engagement, relevance and value that have been highlighted previously. The paper concludes that the efficacy of an entrepreneurial learning intervention in SMEs may depend on the effectiveness of learning transfer.

English language teaching and educational reform in Western China: a knowledge management perspective

This study examines the impact of a large-scale UK-based teacher development programme on innovation and change in English language education in Western China within a knowledge management (KM) framework. Questionnaire data were collected from 229 returnee teachers in 15 cohorts. Follow-up interviews and focus groups were conducted with former participants, middle and senior managers, and teachers who had not participated in the UK programme. The results showed evidence of knowledge creation and amplification at individual, group and inter-organizational levels. However, the present study also identified knowledge creation potential through the more effective organization of follow-up at the national level, particularly for the returnee teachers. It is argued that the KM framework might offer a promising alternative to existing models and metaphors of Continuing Professional Development (CPD).

Exploring the impact of social axioms on firm reputation: a stakeholder perspective

This study proposes a model of how deeply held beliefs, known as ‘social axioms, moderate the interaction between reputation, its causes and consequences with stakeholders. It contributes to the stakeholder relational field of reputation theory by explaining why the same organizational stimuli lead to different individual stakeholder responses. The study provides a shift in reputation research from organizational-level stimuli as the root causes of stakeholder responses to exploring the interaction between individual beliefs and organizational stimuli in determining reputational consequences. Building on a conceptual model that incorporates product/service quality and social responsibility as key reputational dimensions, the authors test empirically for moderating influences, in the form of social axioms, between reputation-related antecedents and consequences, using component-based structural equation modelling (n = 204). In several model paths, significant differences are found between responses of individuals identified as either high or low on social cynicism, fate control and religiosity. The results suggest that stakeholder responses to reputation-related stimuli can be systematically predicted as a function of the interactions between the deeply held beliefs of individuals and these stimuli. The authors offer recommendations on how strategic reputation management can be approached within and across stakeholder groups at a time when firms grapple with effective management of diverse stakeholder expectations.

Opinion dynamics of learning agents: does seeking consensus lead to disagreement?

We study opinion dynamics in a population of interacting adaptive agents voting on a set of issues represented by vectors. We consider agents who can classify issues into one of two categories and can arrive at their opinions using an adaptive algorithm. Adaptation comes from learning and the information for the learning process comes from interacting with other neighboring agents and trying to change the internal state in order to concur with their opinions. The change in the internal state is driven by the information contained in the issue and in the opinion of the other agent. We present results in a simple yet rich context where each agent uses a Boolean perceptron to state their opinion. If the update occurs with information asynchronously exchanged among pairs of agents, then the typical case, if the number of issues is kept small, is the evolution into a society torn by the emergence of factions with extreme opposite beliefs. This occurs even when seeking consensus with agents with opposite opinions. If the number of issues is large, the dynamics becomes trapped, the society does not evolve into factions and a distribution of moderate opinions is observed. The synchronous case is technically simpler and is studied by formulating the problem in terms of differential equations that describe the evolution of order parameters that measure the consensus between pairs of agents. We show that for a large number of issues and unidirectional information flow, global consensus is a fixed point; however, the approach to this consensus is glassy for large societies.

PANA V : Evaluation of a Literacy Project

PANA V Evaluation of a Literacy ProjectSUMMARY AND CONCLUSIONSThis evaluation set out to explore the impact of the literacy work carried out through PANA V. It focussed on clarifying effects such as empowerment and poverty reduction in relation to the civil society. Two specific objectives were to evaluate the methodological approach and the didactic materials and to evaluate the sustainability of the project.Although the focus of the evaluation has been PANA V, the project has been evaluated in its context, as one in a series of five projects located in Rwanda ten years after the war and genocide. The conclusion will consider future plans in this field.The evaluator has striven to create a holistic picture of the effects of the project, although the given time for the evaluation was short. Only three weeks were spent in the field study and only ten days in the actual field. Although there were some organisational and logistic problems, as is common when carrying out a study like this in a poor country, many literacy sites were visited and quite many participators were interviewed. The overall impression from the study is overwhelmingly positive. So many people commit themselves in this task of teaching Rwandans reading, writing and numeracy. Despite harsh conditions learners strive to learn and group leaders devote themselves to the task. Many leaders on different levels try their very best to manage their difficult and demanding task. The main objective was to explore the impact of the project on poverty reduction, particularly on empowerment and strategies for everyday life. Women were to be regarded particularly. From the results it is clear that the project has a strong, positive impact both on poverty reduction and empowerment of marginalised groups. Among those who have benefited from the alphabetisation are mainly women. Unfortunately, when it comes to leaders in PANA, who may also be said to have benefited from the project, only a small minority is women. This is something that is recommended that it be reconsidered inside the organisation. As a majority of the targeted learners are women, and as the economic and social situation of women in Rwanda is generally weak, this is a question that I recommend the Pentesostal church and ADEPR to look particularly into. With many women being single breadwinners of their households, it is important that also women get access to positions that may bring benefits of different kind.It is also clear that the project has positive effects for the civil society. In the present situation in Rwanda, during the process of reconciliation and rapid progress, basic education for the poor majority is a democratic issue. In a country with a plethora of internet-cafés in the capital and a small minority that use cars and mobile-telephones to communicate nation-wide, it is of outmost importance that the majority acquires basic education, of which literacy is a central part. To strengthen the civil society in Rwanda literacy is important. One central issue is then that Rwanda develops toward becoming a country where literacy is used for the benefit of the citizens and it is a democratic issue that all citizens get an opportunity to participate. Crucial for this is that strong efforts are put into primary schools nation-wide. Literacy projects for adults, like PANA, may only complement these efforts, but they constitute important and necessary complements. Other relevant ways to promote literacy are campaigns in Radio and TV and through cultural events such as festivals, music and theatre. News papers, magazines and books are natural parts of such campaigns as well as adult education. As stated under the results not much can be said about the didactics in this evaluation. On the whole the methodology and the materials fill their function well and receive a high reputation. As people learn to read and write under very simple conditions, obviously the approach is appropriate. A few suggestions may be given from the study:•Focus groups leaders’ attention on clearness, that they show very clearly what is to be read. Good structuring is probably of great importance for many learners.•Make clear what is tested in the tests and consider the possibility to use a holistic test that would be more congruent with the methodology. The possibility to use only one grade, pass, would enable a more practical test, such as reading a short, relevant text, writing something relevant and solving practical mathematic problems. Avoid tests that demand school knowledge.•Avoid using methaphors such as “fight against illiteracy” and connections between illiteracy/literacy and darkness/light. It is not true that illiteracy causes bad things and that literacy only brings good. •Be prepared that it may be more difficult in the future to achieve the goals as it may be the case that the early learners where the ones who achieved easily. The goal of “literacy in six month” in PANA will probably hold only for some learners but also those who do not manage in six months need literacy skills.A third objective was to secure sustainability. As for sustainability of the project in itself, and of the literacy process, the main conclusion is that there is a good potential. The commitment and devotedness among many involved in PANA proves good. One weakness is individual leaders in ADEPR who do not see this as an important task for the Pentecostal church in Rwanda. Other weaknesses are the unwillingness to mention explicitly the wish, for example among group leaders, to get some kind of incentive and the fear of loosing believers by cooperation with other organisations. A higher degree of transparency in this issue would probably solve some irritations and tensions.As for the sustainability of the literacy skills much may be done to improve. The acquired skills seem to be comparably relevant. The level achieved, and the level tested, may be defined as basic literacy skills, consisting of basic reading, writing and numeracy skills. However, these skills are very restricted and there is a high risk that the skills will decline, which means that there is a high risk that people will forget how to read and write because of lack of exercising. From these conclusions a few suggestions for future development will be given.

Mångfald - Från ord till handling : En kvalitativ studie om HRs strategiska arbete med mångfald

Denna studie grundar sig i ett uppdrag från Trafikverket med avsikten att undersöka hur enmångfaldsstrategi kan få ökad effekt i organisationen. Utgångspunkten för denna studie är attdet tycks krävas mer forskning kring hur HR strategiskt kan arbeta med mångfaldsfrågor ochintegrera dem i organisationens alla delar. Syftet med denna studie är således att identifiera hurHR strategiskt kan arbeta med mångfaldsfrågor. Vidare är syftet att visa hur ett strategiskamångfaldsarbete kan bli mer effektivt.Teorier som belyser begreppet mångfald, effekterna av mångfald, strategi, Human ResourceManagement och Strategic Human Resource management kan ses ligga till grund för ettframgångsrikt HRM-arbete med mångfald. Ledarskap, kommunikation, kunskap och att se tillorganisationskulturen belyser teorin som viktiga komponenter för att ett strategiskt arbete skabli mer effektivt och ge effekt i organisationen.Studien bygger på en deduktiv ansats och en kvalitativ metod har genomförts utifrån treindividuella intervjuer och två fokusgrupper. De individuella intervjuernas syfte var att belysaorganisationens nutida arbete med mångfald, framtida perspektiv för hur ett strategisktmångfaldsarbete kan utformas och en målbild för vad arbetet ska resultera i. Den enafokusgruppen bestod av medarbetare från HR från olika regionkontor i landet och hade somsyfte att klargöra hur HR strategiskt kan arbeta med mångfald. Den andra fokusgruppen bestodav chefer från olika regionkontor i landet och hade som syfte att belysa chefers roll och vad deeftersöker i ett strategiskt mångfaldsarbete.Resultatet från intervjuerna har analyserats utifrån den teoretiska referensramen och i dennastudie har vi kommit fram till och identifierat flera betydelsefulla faktorer som för HR är viktigai utformandet av en mångfaldsstrategi. Det är viktigt att definiera begreppet mångfald, klargöraansvarsfrågan, visa på varför organisationen bör arbeta med månglad och kommuniceraeffekterna. Vidare är det viktigt att koppla mångfaldsstrategin till övriga HRM-aktiviteter ochorganisationens övriga strategier och mål för att det strategiska arbetet ska ge effekt. Kunskapom mångfald och att se arbetet som ett förändringsarbete där ledningen utgör en viktig roll harvisat sig vara väsentliga faktorer för att arbetet ska få värde i organisationen.

Experiências de interação do Instituto de Biotecnologia da Universidade de Caxias do Sul com a comunidade

Este estudo tem a finalidade de analisar experiências de interação Universidade – Empresa, em projetos do Instituto de Biotecnologia - ( IB ) da Universidade de Caxias do Sul – ( UCS ), a qual, como Instituição produtora e disseminadora de conhecimentos, busca atuar ativamente na transformação tecnológica da Região Nordeste do Estado do RS. Procura-se analisar as experiências de interação entre os pesquisadores da área de biotecnologia da UCS, as empresas do setor produtivo e a comunidade, identificando possíveis mecanismos e problemas. O IB foi criado para que, através dos resultados de suas pesquisas, possa contribuir efetivamente com os anseios da Comunidade a qual está inserida. Este estudo se constitui na análise de múltiplos casos de interação em oito projetos desenvolvidos no IB. Os dados foram coletados através de entrevistas com os coordenadores dos projetos no IB e com os responsáveis pela interação nas organizações parceiras, num total de 16 entrevistas.O estudo evidencia que as interações ocorrem a partir de contatos informais, baseadas na amizade entre os parceiros e oriundas, principalmente, do esforço do pesquisador. Os entrevistados acentuam a necessidade de uso de mecanismos formais de interação para agilizar e viabilizar projetos conjuntos do IB com empresas do setor produtivo e a comunidade, através de parcerias consolidadas. Finalmente, considera-se que, para assegurar o crescimento da interação com a comunidade, é urgente possibilitar, através de mecanismos formais, que a pesquisa científica desenvolvida no Instituto de biotecnologia da UCS volte-se prioritariamente para a identificação de problemas regionais, buscando as respectivas soluções, na perspectiva do desenvolvimento integrado da Região.

Qualidade de vida em idosos

Introdução: Esta tese de doutorado é mais uma contribuição do Grupo de Qualidade de Vida (Centro Brasileiro) do Programa de Pós-Graduação em Ciências Médicas: Psiquiatria, da UFRGS. Esse grupo têm trabalhado em projetos transculturais de elaboração de instrumentos de qualidade de vida (QV) sob a coordenação da Organização Mundial de Saúde. Entre os instrumentos genéricos de QV já desenvolvidos estão o WHOQOL-100 e o WHOQOL-Bref e entre os instrumentos específicos, para populações especiais, estão o WHOQOL-HIV, o WHOQOL-SRPB e, mais recentemente, o WHOQOL-OLD. O desenvolvimento de uma escala de QV para idosos é especialmente importante tendo em vista especificidades deste grupo etário, bem como o aumento da proporção de idosos na população mundial. Objetivos: O objetivo maior deste estudo é desenvolver uma escala de QV para idosos (WHOQOL-OLD). Entretanto, como trata-se de um processo com longa duração de tempo, foram gerados objetivos específicos a partir da revisão da literatura e coleta de dados, que deram origem a 5 artigos, cada um com sua proposta, a saber: artigo 1. Apresentar a metodologia utilizada e os resultados dos grupos focais para avaliação de QV do idoso, artigo 2. Identificar variáveis relevantes na QV de pessoas idosas, artigo 3. Investigar a relação da percepção de QV do idoso com a percepção de QV do idoso na opinião de seu cuidador, artigo 4. Investigar variáveis associadas com percepção subjetiva de saúde em idosos internados e artigo 5. Pesquisar um possível viés nas respostas de idosos no Inventário de Depressão de Beck (BDI). Métodos: O primeiro estudo teve um desenho qualitativo enquanto os demais foram quantitativos. As amostras variaram para cada estudo. Em todos os estudos idosos(as) acima de 60 anos foram entrevistados. Para os estudos 1 e 2, a amostra contou com profissionais da área da saúde (1) e cuidadores (1 e 2). E, para o estudo 5, adultos acima de 18 anos também foram pesquisados. A coleta dos dados foi realizada em hospitais, lares e grupos comunitários, residências e recrutamento utilizando a técnica de "snow-ball" (bola de neve) em que cada sujeito indicava um outro sujeito. Todos os entrevistados preencheram o Termo de Consentimento Informado e, a partir daí, foram convidados a responder acerca de informações sociodemográficas, QV percebida (WHOQOL-100) e sintomatologia depressiva (BDI), com pequena variação para os cuidadores. O último estudo contou apenas com os dados sociodemográficos e com as respostas ao BDI. Resultados: De forma abreviada, os resultados dos 5 artigos confirmam as especificidades do idoso e portanto a necessidade de desenvolvimento de instrumentos específicos para esta população. O artigo 1 teve como resultado a sugestão de novos itens para idosos, a partir das respostas espontâneas e análise dos domínios e facetas do WHOQOL-100. O artigo 2, por sua vez, mostrou associações da percepção de QV geral com níveis de depressão, percepção subjetiva de saúde e sexo. No artigo 3, foi possível verificar uma tendência, em todos os domínios e na medida QV geral, de o cuidador responder pior percepção de QV do idoso do que o próprio idoso cuidado, apesar de algumas concordâncias (domínios físico, nível de independência, meio ambiente e espiritualidade/religião). Também observou-se que a intensidade de depressão do idoso exerceu forte influência tanto na sua própria percepção de QV quanto na percepção do cuidador sobre o idoso. O artigo 4 mostrou uma prevalência alta e não esperada de idosos internados que se percebiam como saudáveis. Foi possível observar, ainda, uma associação significativa entre percepção saudável e menor intensidade de sintomas depressivos, bem como melhor percepção de QV no domínio nível de independência. E por último, o artigo 5 discute o viés da subescala somático e de desempenho nas respostas do idoso ao BDI. Conclusões: Idosos constituem um grupo particular e, como tal, apresentam especificidades relevantes. A avaliação dos idosos em relação às suas percepções de QV está associada a sexo, idade, estado civil, classe social, percepção de saúde e mais fortemente associada a níveis de sintomas depressivos. Explorando o cuidador como avaliador da QV do idoso observou-se uma tendência de o cuidador perceber a QV do idoso pior do que a própria percepção do idoso, apesar de fortes correlações para todos os domínios e na medida QV geral na percepção do par idoso-cuidador. Já na avaliação de percepção de saúde em idosos foi verificada a influência da intensidade dos sintomas depressivos bem como da dimensão independência: quanto menor a intensidade de depressão e quanto maior o nível de independência, maior associação com percepção de saúde entre idosos. Além desses, características próprias da população idosa podem interferir nos resultados do BDI fazendo com que seus achados sejam maximizados por questões somáticas e de desempenho sugerindo pontos de corte especiais para os idosos. Novos estudos são sugeridos a fim de atender a demanda específica do idoso.

Modelo de gestão de risco em segurança da informação: um estudo de caso no mercado brasileiro de cartões de crédito

As questões ligadas a gestão de riscos associados a segurança da informação já é uma realidade no cenário empresarial brasileiro. O crescimento das operações de negócios em direção aos sistemas de informação baseados em tecnologia fez com que os números de ameaças e de vulnerabilidades sobre as redes de computadores e comunicações aumentassem. Vários são os desafios de estruturação e implementação de uma área de segurança da informação dentro das empresas. Este trabalho analisa as diversas formas de construção de uma infra-estrutura de gestão de risco em segurança de informação, não só no âmbito tecnológico, mas também, no operacional e no mercadológico, de forma a estabelecer uma relação transparente às demais áreas internas da organização, aos clientes e a todo o mercado. A segurança da informação, vista freqüentemente como um assunto ligado a tecnologia, passa a ser entendida cada vez mais como um processo de negócio, e conseqüentemente, uma grande vantagem competitiva para o mundo empresarial.