This paper aims to make an empirical contribution to the discussion of the role of banks and to find out if banking is a declining industry. It takes into account that the role of banks is declining in the United States ...
Crude oil is, without doubt, the most important physical commodity as it provides
mankind the energy for transportation, industrial and residential use. As a result, it
is not surprising that crude oil is the world’s ...
South Africa is characterized by high levels of illiteracy in general as well
as high levels of financial literacy in particular. The lack of financial
literacy, among other things, results in people (especially the poor) ...
The South African Schools Act, Act 84 of 1996, states that the school principals are
responsible for managing personnel and finance and should therefore plan, control and
budget properly (Section 3). S/He is responsible ...
As local legislation and market saturation curtail their growth and profitability, South Africa financial services companies are looking for new markets in Sub Saharan Africa at an astounding rate.
This research looks at ...
The study assessed the extent to which Small and Medium Enterprises (SMEs)
in Tanzania utilise debt financing to finance their operations and identified the
factors affecting the utilisation of debt financing.
This study ...
When the Kenyan government abolished primary school fees in 2003, it was hoped that low enrolment and high dropout rates would be reversed. However, soon after its introduction, the classrooms were overflowing with new ...
Tertiary education is expensive for the individual, the family, the institution and the country.
The aim of this study was to find models that could predict academic success, which is seen
in this study as the completion ...
Psychosis, the inability to separate subjectivity and reality, can be either functional or organic.
Organic psychoses are attributed to physical brain conditions, excluded by imaging. CT
scanning requires evaluation ...
Fingerprint recognition has become a standard in both access control and forensics.
This is because fingerprints are unique to an individual. While there are many
ways in which a fingerprint can be recognised one of the ...
This thesis focuses on engineering, specifically structural, systems that are approximated by finite element models (FEMs). Initial FEMs are found to have poor accuracies and improved or updated models are sort. From the ...
The spatial and temporal patterns of fire in Africa south of the equator are described and
investigated to test hypotheses on the main drivers of fire. In particular, the relative
importance of climate, vegetation, and ...
Long term fire exclusion has been attempted in Catchment IX (CIX) at Cathedral Peak. Baseline vegetation of CIX was sampled in 1952, with follow-up surveys in 1973, 1986 and 2010. These took place at key times in terms of ...
Investment analysts have long been preoccupied with the idea of predicting future returns
based on historic share price performance or company values. To this end, Fama and
French (1992) found in their acclaimed study ...
Previous studies have examined the issue of assessing university students and relating
their performance on the assessment measures to their academic performance in South
Africa (Butler & Van Dyk, 2004; Nel, Dreyer, & ...
The 2-isopropenyl-2,3-dihydrobenzofuran moiety is found in many naturally occurring compounds including rotenone, a complex pentacyclic molecule isolated from several leguminous plants of the Derris and Lonchocarpus species. ...
The alignment of first-line supervisor competencies with the company strategy is critical for the first line supervisor to assist in making South African companies globally competitive. The purpose of the report was to ...
This work presents the development, implementation and analysis of a rst order
model of a variable camber wing. An aerodynamic model of a homogeneous wing
employing variable camber actuation was developed based on the ...