Zwischen deutschem und kanadischem Identitätsdiskurs im Kanada Kurier 1981 : Zur Vergangenheitsbewältigung in einer Diasporazeitung

Les questions identitaires sont depuis des années au cœur des débats et des réflexions chez les Germano-Canadiens; les évènements du XXe siècle les ont poussés à constamment (re)définir leur identité face à la majorité (anglo-)canadienne. C’est notamment par le biais de médias ethniques qu’ils ont été en mesure de réfléchir à ces questions, sujettes aux débats les plus houleux. Le Kanada Kurier, un hebdomadaire germanophone du Canada, publié à l’échelle nationale pendant plus de cent ans, leur permettait notamment de s’exprimer sur cette question. Le mémoire s’interroge sur le discours identitaire produit par ce groupe et vise à mieux le décrire. Par une analyse de contenu des lettres de lecteurs de 1981, nous mettons en lumière les thèmes qui animent la communauté. Le corpus permet d’abord de voir la place importante qu’occupe la politique allemande, de constater la présence d’un discours identitaire duel, puisant ses références dans les contextes tant allemand que canadien, renforcé par des idéologies (politiques) communes chez certains germanophones du Canada et d’Europe. L’utilisation du concept de transnationalisme permet de soulever la question de la Heimat, sujet devenu éminemment politique après 1945, et illustre la complexité de la notion de patrie dans le cas allemand, surtout face aux revendications des « revanchistes » qui souhaitaient récupérer les territoires annexés par la Pologne et l’URSS après 1945. Au cœur de la majorité des lettres, nous apercevons le rapport complexe qu’entretiennent les Germano-Canadiens avec la Deuxième Guerre mondiale, véritable lieu de mémoire de la communauté. Finalement, le corpus montre surtout un journal dont le rôle aura été multiple et qu’on peut en définitive qualifier de journal diasporique.

IA Critical Study of the Impact of Institutional Finance on Agriculture in Selected Villages of Ernakulam Revenue District

Vast changes have taken place in the field of institutional rural credit in India since the nationalisation of nineteen commercial banks in 1969. The supply of institutional finance to cultivators amounted to 63.2 percent of the total credit in 1981 compared to 31.2 percent in 1971. Insti tutionalisation of agricultural credit envisaged two objectives in general. One was to emancipate cultivators and farmers from the clutches of indigenous financiers and money lenders. The second was to make farmers financially capable of adopting the new technology or improved practices in agriculture so as to increase their agricultural production and thereby contributing to the development of agriculture in India. Though vast literature on Institutional Credi t and agriculture is available, no indepth and serious work examining thoroughly the cause of credit diversion has been undertaken so far. The present study is an attempt to fill up this gap. The study will be helpful to lending insti tutions, viz. Co-ope:r-atives, Commercial banks and various other insti tutional agencies in connection with their lending activity_ Also, the study will help government in .formulating proper policies that will insure a preferential treatment in favour of the most needy category of farmers and cultivators with respect to agricultural credit disbursement

Learning From Cross Country Experiences In Housing: A Micro Finance Approach For Inclusive Housing In India

Housing is one of the primary human needs. It is second only to the need for food and clothing. From a macro perspective, housing is an industry that can prove itself to be a growth engine for a nation, particularly a developing nation like India. Housing has been one of the top priorities for the various governments in India since the seventies. The need for housing has been increasing at a phenomenal pace in India and so also the need for housing finance. Since the growth in supply of housing could not keep pace with the growth in its demand, housing shortage has been on the rise over the years. Housing finance industry which was relatively dormant till the early nineties underwent sweeping changes ever since the initiation of financial sector deregulation measures. Financial deregulation measures brought about several changes in this industry, the first and foremost being the fast growth rate in the industry coupled with cutthroat competition among the industry players. This trend has been quite prominent since the entry of commercial banks into this arena. Accordingly, there has been a surge in the growth of retail (personal) loans segment, particularly in respect of housing loans. This is evident from the fact that housing loans disbursed by banks as a percentage of their total loans has increased from just 2.79% as of end-March 1997 to as high as 12.52% as of end-March 2007. Thus, there has been an unprecedented growth rate in the disbursement of housing loans by banks, and as of 31 March 2007 the outstanding balance of housing loans by all banks in India stands at Rs.230689 Crore, as against just Rs.7946 Crore as of 31 March 1997, the growth rate being 35.82 %CAGR (for the eleven years’ period, FY 1997-‘2007). However, in spite of the impressive growth in housing finance over the years, there are growing apprehensions regarding its inclusiveness, i.e. accessibility to the common man, the underprivileged sections of the society to housing finance etc. Of late, it is widely recognized that formal housing finance system, particularly the commercial banks (CBs) – most dominant among the players – is fast becoming exclusive in operations, with nearly 90% of the total housing credit going to the rich and upper middle income group, primarily the salaried class. The case of housing finance companies (HFCs) is quite similar in this regard. The poor and other marginalized sections are often deprived of adequate credit facilities for housing purpose. Studies have revealed that urban housing poverty is much more acute than the rural probably because of the very fast process of urbanization coupled with constant rural to urban migration

A Compiler Integrated Assistance for Optimum Data Allocation in Banked Memory Embedded Processors

Bank switching in embedded processors having partitioned memory architecture results in code size as well as run time overhead. An algorithm and its application to assist the compiler in eliminating the redundant bank switching codes introduced and deciding the optimum data allocation to banked memory is presented in this work. A relation matrix formed for the memory bank state transition corresponding to each bank selection instruction is used for the detection of redundant codes. Data allocation to memory is done by considering all possible permutation of memory banks and combination of data. The compiler output corresponding to each data mapping scheme is subjected to a static machine code analysis which identifies the one with minimum number of bank switching codes. Even though the method is compiler independent, the algorithm utilizes certain architectural features of the target processor. A prototype based on PIC 16F87X microcontrollers is described. This method scales well into larger number of memory blocks and other architectures so that high performance compilers can integrate this technique for efficient code generation. The technique is illustrated with an example

Fliesslochformen und Gewindefurchen in dünne Bleche und Rohre aus Kupfer und Kupferlegierungen

This thesis in Thermal Flow Drilling and Flowtap in thin metal sheet and pipes of copper and copper alloys had as objectives to know the comportment of copper and copper alloys sheet metal during the Thermal Flow Drill processes with normal tools, to know the best Speed and Feed machine data for the best bushing quality, to known the best Speed for Form Tapping processes and to know the best bush long in pure copper pipes for water solar interchange equipment. Thermal Flow Drilling (TFD) and Form Tapping (FT) is one of the research lines of the Institute of Production and Logistics (IPL) at University of Kassel. At December 1995, a work meeting of IPL, Santa Catarina University, Brazil, Buenos Aires University, Argentine, Tarapacá University (UTA), Chile members and the CEO of Flowdrill B.V. was held in Brazil. The group decided that the Manufacturing Laboratory (ML) of UTA would work with pure copper and brass alloys sheet metal and pure copper pipes in order to develop a water interchange solar heater. The Flowdrill BV Company sent tools to Tarapacá University in 1996. In 1999 IPL and the ML carried out an ALECHILE research project promoted by the DAAD and CONICyT in copper sheet metal and copper pipes and sheet metal a-brass alloys. The normal tools are lobed, conical tungsten carbide tool. When rotated at high speed and pressed with high axial force into sheet metal or thin walled tube generated heat softens the metal and allows the drill to feed forward produce a hole and simultaneously form a bushing from the displacement material. In the market exist many features but in this thesis is used short and longs normal tools of TFD. For reach the objectives it was takes as references four qualities of the frayed end bushing, where the best one is the quality class I. It was used pure copper and a-brass alloys sheet metals, with different thickness. It was used different TFD drills diameter for four thread type, from M-5 to M10. Similar to the Aluminium sheet metals studies it was used the predrilling processes with HSS drills around 30% of the TFD diameter (1,5 – 3,0 mm D). In the next step is used only 2,0 mm thick metal sheet, and 9,2 mm TFD diameter for M-10 thread. For the case of pure commercial copper pipes is used for ¾” inch diameter and 12, 8 mm (3/8”) TFD drill for holes for 3/8” pipes and different normal HSS drills for predrilling processes. The chemical sheet metal characteristics were takes as reference for the material behaviour. The Chilean pure copper have 99,35% of Cu and 0,163% of Zinc and the Chilean a-brass alloys have 75,6% of Cu and 24,0% of Zinc. It is used two German a-brass alloys; Nº1 have 61,6% of Cu, 36,03 % of Zinc and 2,2% of Pb and the German a-brass alloys Nº2 have 63,1% of Cu, 36,7% of Zinc and 0% of Pb. The equipments used were a HAAS CNC milling machine centre, a Kistler dynamometer, PC Pentium II, Acquisition card, TESTPOINT and XAct software, 3D measurement machine, micro hardness, universal test machine, and metallographic microscope. During the test is obtained the feed force and momentum curves that shows the material behaviour with TFD processes. In general it is take three phases. It was possible obtain the best machining data for the different sheet of copper and a-brass alloys thick of Chilean materials and bush quality class I. In the case of a-brass alloys, the chemical components and the TFD processes temperature have big influence. The temperature reach to 400º Celsius during the TFD processes and the a-brass alloys have some percents of Zinc the bush quality is class I. But when the a-brass alloys have some percents of Lead who have 200º C melting point is not possible to obtain a bush, because the Lead gasify and the metallographic net broke. During the TFD processes the recrystallization structures occur around the Copper and a-brass alloy bush, who gives more hardness in these zones. When the threads were produce with Form Tapping processes with Flowtap tools, this hardness amount gives a high limit load of the thread when hey are tested in a special support that was developed for it. For eliminated the predrilling processes with normal HSS drills it was developed a compound tool. With this new tool it was possible obtain the best machining data for quality class I bush. For the copper pipes it is made bush without predrilling and the quality class IV was obtained. When it is was used predrilling processes, quality classes I bush were obtained. Then with different HSS drill diameter were obtained different long bush, where were soldering with four types soldering materials between pipes with 3/8” in a big one as ¾”. Those soldering unions were tested by traction test and all the 3/8” pipes broken, and the soldering zone doesn’t have any problem. Finally were developed different solar water interchange heaters and tested. As conclusions, the present Thesis shows that the Thermal Flow Drilling in thinner metal sheets of cooper and cooper alloys needs a predrilling process for frayed end quality class I bushings, similar to thinner sheets of aluminium bushes. The compound tool developed could obtain quality class I bushings and excludes predrilling processes. The bush recrystalization, product of the friction between the tool and the material, the hardness grows and it is advantageous for the Form Tapping. The methodology developed for commercial copper pipes permits to built water solar interchange heaters.

Ideotyping integrated aquaculture systems to balance soil nutrients

Due to growing land scarcity and lack of nutrient inputs, African farmers switched from shifting cultivation to continuous cropping and extended crop area by bringing fragile lands such as river banks and hill slopes into production. This accelerated soil fertility decline caused by erosion, harvesting and insufficient nutrient replenishment. We explored the feasibility to reduce nutrient depletion by increasing nutrient utilization efficiencies, while diversifying and increasing food production through the development of integrated aquaculture – agriculture (IAA). Considering the climatic conditions prevailing in Kenyan highlands, aquaculture production scenarios were ideotyped per agro-ecological zone. These aquaculture production scenarios were integrated into existing NUTrient MONitoring (NUTMON) farm survey data for the area. The nutrient balances and flows of the resulting IAA-systems were compared to present land use. The effects of IAA development on nutrient depletion and total food production were evaluated. With the development of IAA systems, nutrient depletion rates dropped by 23–35%, agricultural production increased by 2–26% and overall farm food production increased by 22–70%. The study demonstrates that from a bio-physical point of view, the development of IAA-systems in Africa is technically possible and could raise soil fertility and total farm production. Further studies that evaluate the economic feasibility and impacts on the livelihood of farming households are recommended.

Alternativas de fondeo en un banco de desarrollo de segundo piso, como FINDETER

En este trabajo se pretende entender y analizar las alternativas de fondeo en un Banco de Desarrollo de segundo piso, como FINDETER; para ello se requiere saber que es la Financiera de Desarrollo Territorial, de acuerdo a sus funciones y los productos que maneja. Teniendo presente que uno de los mecanismos que utiliza la entidad para obtener financiamiento es por medio de los créditos externos, para ello se debe tener muy claro cuáles son los procedimientos a seguir de acuerdo a lo que está sujeto a FINDETER. Así mismo, se realizó una investigación sobre la banca multilateral y los organismos de Cooperación Técnica Internacional. Se investigó el historial de la relación que ha tenido FINDETER con entidades de la banca multilateral y la Cooperación Técnica Multilateral, con el fin de determinar nuevas alternativas de fondeo y/o desarrollo de proyectos para la entidad a partir de la información recopilada.

JISC Digital media internet for image searching

This webpage provides links to image banks and sources of photos which are usable for educational purposes.

Something on legal issues

holding title for set of slides and summary notes to be used in INFO2009

Análisis del ciclo económico en una economía con rigideces nominales y un amplio sector informal

En este trabajo se construye un modelo de Equilibrio General Dinámico Estocástico (DSGE) con sector informal y rigideces en precios, usando como marco de análisis la teoría de búsqueda y emparejamiento del mercado de trabajo. El objetivo principal es analizar el efecto de los diferentes tipos de choques económicos sobre las principales variables del mercado laboral, en una economía con presencia importante del sector informal. Igualmente se estudia el efecto de la política monetaria, ya que la presencia de este sector afecta la dinámica del ciclo económico, y por ende los mecanismos de transmisión de la política monetaria. En particular, se analiza la dinámica del modelo bajo diferentes reglas de política monetaria y se compara el bienestar agente representativo generado por cada una de estas reglas.

Alquería. S.A. "una historia de larga vida que empieza aqui"

El trabajo investigativo que se presenta a continuación, es un estudio realizado con el apoyo de la Facultad de Administración de la Universidad del Rosario, donde se analiza la empresa Alquería, como aquella empresa ejemplar galardonada con el premio Ave Fénix, que a finales de los años 90 vivió una crisis financiera, y cuatro (4) años después, gracias a su compromiso, dedicación y esfuerzo salió avante y hoy es una empresa exitosa en el sector lechero Colombiano. años 90, Colombia se encontraba en un proceso de apertura económica donde el presidente de ese entonces Cesar Gaviria, propuso integrar la economía nacional a los mercados globales. El objetivo de esta medida era ofrecer nuevas oportunidades de mercado para la industria nacional, con lo que se esperaba incrementar la competitividad y desarrollo de las empresas Colombianas. La medida provocó que la economía entrara en crisis, obligando al Gobierno a expedir la Ley 550 de 1999, con la que se buscaba dotar a Colombia de instrumentos adecuados para proteger aquellas empresas viables que se encontraban en crisis y salvarlas de la muerte empresarial. Alquería se acoge a la Ley con una deuda de 30 mil millones de pesos según el diario El Espectador en su publicación del 22 de marzo del 2009, iniciando así un proceso de restructuración con el seguimiento y apoyo de la Superintendencia de Sociedades. El proceso que duró 4 años, tuvo como objetivo renegociar las tasas de interés, redefinir los plazos de pago de las acreencias con los bancos, dar mayor eficiencia en el manejo de los recursos y asesoría administrativa por parte de nuevos consultores. La investigación está compuesta de 3 capítulos, los cuales mostraran un antes, un durante y un después de la crisis, en los que se va a analizar el proceso que vivió la empresa tomando en cuenta las estrategias, cambios, decisiones y reformas que se hicieron al interior. En el primer capítulo se plantea EL PROBLEMA a investigar, registrando aspectos como antecedentes y marco legal; El segundo capítulo está dedicado a la DIRECCIÓN, en el que se analizará el liderazgo, la estrategia y la realidad empresarial de Alquería, y como tercero y último capítulo, se va a estudiar la GERENCIA, analizando desde el enfoque de mercadeo, finanzas, gestión humana, producción y perdurabilidad.

Mercados interbancarios no colateralizados e información asimétrica: un mecanismo para lograr la participación plena de los bancos deficitarios cuando existen altos niveles y dispersión del riesgo de contraparte

En este trabajo se proponen dos tipos de contratos para los préstamos interbancarios con el fin de que los bancos suavicen sus choques de liquidez a través del mercado interbancario. En particular, se estudia la situación en la que los bancos con faltantes de liquidez que tienen bajo riesgo de crédito abandonan el mercado debido a que la tasa de interés es alta en relación a su fuente alterna de financiamiento. La asimetría en la información acerca del riesgo de crédito impide que los bancos con excedentes de liquidez ajusten la tasa de interés considerando el riesgo de su contraparte. Dado lo anterior, se diseñan dos contratos para los créditos interbancarios que se diferencian en las tasas de interés cobradas. Así, siempre que un banco constituya un depósito podrá obtener liquidez a bajas tasas de interés; en la situación contraria la tasa será más elevada.

Manejo de choques inflacionarios en Colombia 1988-1998

Al estudiar la historia del BC colombiano, se puede intuir que el objetivo central de política ha variado a lo largo del tiempo, y que las herramientas utilizadas en su consecución también lo han hecho. Por ejemplo, mientras que en los primeros años

The cyclical behavior of bank capital buffers in an emerging economy: size do matters

Using a panel of Colombian banks and quarterly data between 1996:1 and 2010:3, we study the relationship between short-run adjustemnts in bank capital buffers and the business cycle. We follow a partial adjustment framework and control for several variables that have been identified as important determinants of bank capital buffers in previous studies, and find that bank capital buffers vary over the business cycle. We are able to identify a negative co-movement of capital buffers and and the business cycle. However, we also find that capital buffers of small and large banks behave asymmetrically during the business cycle. While the former appear to be constant over time, once the appropriate set of control variables is used, the latter present a countercyclical behavior. Our results suggest the possible need of the implementation of regulatory policy measures in developing countries

Uso estratégico de la deuda: un estudio a nivel de empresa para colombia 1995-2003

El presente trabajo intenta estimar si las empresas emplean estratégicamente la deuda para limitar la entrada de potenciales rivales. Mediante la metodología de Método Generalizado de Momentos (GMM) se evalúa el efecto que tienen los activos específicos, la cuota de mercado y el tamaño, como proxies de las rentas del mercado, y las barreras de entrada sobre los niveles de endeudamiento, a nivel de empresa para Colombia, durante 1995-2003. Se encuentra que las empresas utilizan los activos específicos para limitar la entrada al mercado y que el endeudamiento decrece a medida que las empresas aumentan su cuota en el mercado