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Dissertations / Theses on the topic 'Banking access'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Maruatona, Omaru. "Internet banking fraud detection using prudent analysis." Thesis, University of Ballarat, 2013. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/59631.

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The threat posed by cybercrime to individuals, banks and other online financial service providers is real and serious. Through phishing, unsuspecting victims’ Internet banking usernames and passwords are stolen and their accounts robbed. In addressing this issue, commercial banks and other financial institutions use a generically similar approach in their Internet banking fraud detection systems. This common approach involves the use of a rule-based system combined with an Artificial Neural Network (ANN). The approach used by commercial banks has limitations that affect their efficiency in cur

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2

Black, Paul. "Techniques for the reverse engineering of banking malware." Thesis, Federation University of Australia, 2020. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/175276.

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Malware attacks are a signiﬁcant and frequently reported problem, adversely aﬀecting the productivity of organisations and governments worldwide. The well-documented consequences of malware attacks include ﬁnancial loss, data loss, reputation damage, infrastructure damage, theft of intellectual property, compromise of commercial negotiations, and national security risks. Mitiga-tion activities involve a signiﬁcant amount of manual analysis. Therefore, there is a need for automated techniques for malware analysis to identify malicious behaviours. Research into automated techniques for malware a

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3

Li, Sofia, Patrik Ekberg, and Gentiana Morina. "Online banking access system : Principles behind choices and further development, seen from a managerial perspective." Thesis, Jönköping University, JIBS, Business Informatics, 2007. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-984.

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<p>Online banking is a young way for banks to reach new and old customers. The concept has emerged over the last decade from being not very utilized to become a major channel for the bigger banks in Sweden but also in the world. This thesis will present a study of what principles the four major Swedish banks have based their decision on when choosing what type of online access system to use. Furthermore try to present what the future principles might be toward online banking access systems. This might also show how new systems might look like and what the banks strives to achieve when making t

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4

Lee, Sunglyong. "Firm access to capital markets in Europe." Diss., Columbia, Mo. : University of Missouri-Columbia, 2007. http://hdl.handle.net/10355/4711.

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Thesis (Ph. D.)--University of Missouri-Columbia, 2007.<br>The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file. Title from title screen of research.pdf file (viewed on September 27, 2007) Vita. Includes bibliographical references.

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5

Wu, Tong Caudill Steven B. "Is there a gap of banking efficiency between access and non-accession countries in central and eastern Europe." Auburn, Ala., 2006. http://repo.lib.auburn.edu/2006%20Summer/Theses/WU_TONG_10.pdf.

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6

Haq, Ikram. "Fraud detection for online banking for scalable and distributed data." Thesis, Federation University Australia, 2020. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/171977.

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Online fraud causes billions of dollars in losses for banks. Therefore, online banking fraud detection is an important field of study. However, there are many challenges in conducting research in fraud detection. One of the constraints is due to unavailability of bank datasets for research or the required characteristics of the attributes of the data are not available. Numeric data usually provides better performance for machine learning algorithms. Most transaction data however have categorical, or nominal features as well. Moreover, some platforms such as Apache Spark only recognizes numeric

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7

Xu, Dan. "Analysis of mobile banking malware on the Android operating system." Thesis, Federation University Australia, 2017. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/162600.

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The Android platform is the fastest growing smartphone operating system to date. Consequently, malware on Android OS has been increasing at an alarming rate. Similar to Windows-based malware, Android malware also have different families which are responsible for different malicious activities. In this thesis, we focused on one particular group of Android malware which is designed to target banks and financial institutions. These banking malware use different techniques to attack bank clients and banking servers. A coherent framework to analyse the behaviour of these malware needs to be develop

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8

Kroukamp, Thelma. "Facilitating banking finance access for BBBEE firms in the Southern Cape area." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/996.

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Studies have shown that BBBEE parties are unsuccessful in raising banking finance due to a number of reasons. The objective of the enactment of the Broad Based Black Economic Empowerment (BBBEE) Act is primarily to promote the participation of black people in the economy. The measurement of BBBEE is determined by the codes of good practice for Qualifying Small Enterprises (QSE), which consists of seven elements namely: ownership, management control, employment equity, skills development, preferential procurement, enterprise development and socio-economic development. Enterprises with annual tu

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9

Du, Jun. "Essays on banking efficiency, access to finance and firm performance in China." Thesis, University of Leicester, 2007. http://hdl.handle.net/2381/30151.

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This thesis aims to contribute to the under-researched area of China's financial system and its role of fostering firm growth. This is achieved by investigating three aspects of the efficiency of the Chinese financial system. The first aspect focuses on the suppliers of financial resources (i.e. banks) and examines the cost efficiency and productivity growth of the Chinese banking industry. The second aspect considers the recipients of finance---manufacturing firms, and investigates how source of finance in firm's capital structure affects its growth performance. The third aspect concentrates

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10

Schwenke, Freddie. "Access channels for mobile banking applications : a comparative study based on characteristics." Thesis, Cape Peninsula University of Technology, 2009. http://hdl.handle.net/20.500.11838/1383.

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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009<br>The objective of this research project was to provide an answer to the question: 'Which access channel is the most appropriate for mobile applications?' This question is posed by providers of mobile banking services and providers of mobile banking applications alike.

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11

Morrison, Robert D. "The competitive environment of community banking and the potential impact on microenterprise entrepreneurs' access to bank financing." Thesis, The University of Texas Rio Grande Valley, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10020590.

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<p> Over the past 35 years, Great Depression era regulatory restrictions on the geographic area of operation and the scope of financial services banks can offer have change significantly. These changes fueled a surge of merger activity and resulted in a 70% decrease in the number of bank charters by 2015. Currently, community banks hold only 14% of bank assets in the US; nonetheless, they play an important role in the US economy because they continue to provide the majority of funding to small businesses. This study finds that over 83% of bank failures occurred in metropolitan areas despite th

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12

Heyert, Axelle. "Essays on banking and society." Electronic Thesis or Diss., Strasbourg, 2025. http://www.theses.fr/2025STRAB001.

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This dissertation examines the relationship between banking and society. It contributes to a better understanding of how banking affects society and, in turn on how society shapes banking practices. The first chapter studies the impact of inflation on trust in banks. Chapter two deals with the effect of trust in banks on financial inclusion. The third chapter investigates whether financial inclusion influences life satisfaction. Chapter four delves into how female bank leadership affects firm credit. The final chapter focuses on the influence of bank leaders’ age on sustainable lending. Overal

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13

Hasheela, Elisa Tulipohamba. "Access to finance and financial inclusion in Namibia." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/97405.

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ENGLISH ABSTRACT: This study seeks to analyse the financial sector’s (commercial banks and the Bank of Namibia) policy interventions towards creating an inclusive financial system. To achieve this the objective of this study is in three folds, firstly to examine the level and extent of financial inclusiveness in Namibia, secondly to evaluate financial sector (commercial banks and the Bank of Namibia) policies to ascertain their effectiveness in promoting access to finance in Namibia, and thirdly to review international experiences to provide key learning lessons for Namibia’s financial system

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14

Dallimore, Anthea. "Banking on the poor : savings, poverty and access to financial services in rural South Africa." Thesis, London School of Economics and Political Science (University of London), 2013. http://etheses.lse.ac.uk/685/.

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Microfinance has gained prominence as a policy option for addressing poverty. Although microfinance has a long history, its growing appeal is usually associated with the attention given to the Grameen Bank of Bangladesh, which pioneered group-based lending to poor women. Following the ‘successes of Grameen and the promotion of ‘cloned’ institutions, advocacy for microfinance has focussed primarily on microcredit. Consequently, microfinance as savings, insurance, and other forms of financial intermediation received far less attention. It was believed that microcredit was a more reliable and fas

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15

Maredza, Andrew. "An analysis of the relationship between bank efficiency and access to banking services in South Africa." Thesis, University of Fort Hare, 2014. http://hdl.handle.net/10353/910.

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The primary objective of this study is to investigate the nature of the relationship between bank efficiency gains and access to banking services in South Africa. The importance of making such an enquiry arises from the fact that various studies have identified access to financial services as an important vehicle for lifting the poor out of poverty. In particular, there is concern that banks` appetite for better scores on efficiency has the potential of reducing access to services for consumers particularly the low-income clients. The study attempted to answer two central research questions: F

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16

Just, Alan. "Discovering Smeaton : people, trade and finance, a study of imperialism and its heritage." Thesis, Federation University Australia, 2021. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/182589.

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Using Anderson’s Mill in the Victorian goldfield township of Smeaton as a case study, this thesis examines how the process of colonisation can be understood through the study of local history in the context of its imperial heritage. It also examines the transition of Crown sovereignty to colonial sovereignty in Victoria during the second half of the nineteenth century. This thesis explores the proposition that by discovering the history of Smeaton through the era of John Anderson, it is possible to trace how the Victorian gold rushes and the imperial legacy shaped the emerging Australian natio

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17

Lundblad, Lowe, and Anna-Liisa Rissanen. "Precision Agriculture and Access to Agri-Finance : How precision technology can make farmers better applicants." Thesis, Umeå universitet, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-149677.

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The World Bank has estimated that an additional $80 billion in financing are needed annually to achieve the 70 % increase in food supply required to feed the world in 2050. One of the cornerstones in achieving this increase in production is expected to be improved agricultural technology, where one of the latest additions is precision agriculture. It is believed that the money for investing in this technology must come from the private sector, but financial institutions are hesitant in lending money to farmers. This, in part, comes down to a high perceived riskiness in agricultural lending ste

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18

Heshmati, Yasaman. "Business growth plan as a factor for SMEs to access a bank loan : A Comparison between Iran and Sweden." Thesis, Högskolan i Halmstad, Sektionen för ekonomi och teknik (SET), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-23768.

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Most of the scholars argue that the big challenge for the SMEs in order to grow is access to finance. They consider financing as the most crucial need of a growing company. Based on the previous researches, companies need to move from the internal financing to the external financing through growth. In this situation, one way for SMEs is, to take advantage of a bank loan; however, many researchers argue that accessing a bank loan is not easy for SMEs. On the other hand, in the last decade since the number of SMEs increased in many countries, tendency of the banks, regarding cooperation with SME

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19

Ugale, Gavin M. "The USA Patriot Act an empirical assessment of the impact of section 326 on access to banking amongst immigrants in the United States /." Connect to Electronic Thesis (CONTENTdm), 2009. http://worldcat.org/oclc/525203480/viewonline.

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20

CASTRO, Ilgo Alam. "Avaliação de processo do Programa do Fundo Constitucional de Financiamento do Nordeste para Micro e Pequenas Empresas (FNE-MPE) do Banco do Nordeste entre os anos de 2011 e 2014." www.teses.ufc.br, 2015. http://www.repositorio.ufc.br/handle/riufc/16440.

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CASTRO, Ilgo Alam. Avaliação de Processo do Programa do Fundo Constitucional de Financiamento do Nordeste para Micro e Pequenas Empresas (FNE-MPE) do Banco do Nordeste entre os anos de 2011 e 2014. 2015. 119f. – Dissertação (Mestrado) – Universidade Federal do Ceará, Programa de Pós-graduação em Avaliação de Políticas Públicas, Fortaleza (CE), 2015.<br>Submitted by Márcia Araújo (marcia_m_bezerra@yahoo.com.br) on 2016-04-25T16:53:41Z No. of bitstreams: 1 2015_dis_iacastro.pdf: 1475227 bytes, checksum: db72c622c6d2ab266683c730950cf9f6 (MD5)<br>Approved for entry into archive by Márcia Araújo

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21

Karlsson, Oscar, and Erik Malmgren. "Has the Privatization of Uganda Commercial Bank Increased Competition and Extended Outreach of Formal Banking in Uganda?" Thesis, Uppsala University, Department of Economics, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-9247.

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<p>Financial sector development can reduce poverty and promote economic growth by extending access to financial services in developing countries. Traditionally, banking in Sub-Saharan Africa has been conducted by state-owned banks. Although, evidence has shown that severe government involvement in the banking sector has proved to cause low profitability and inefficiency. During 2001, Uganda Commercial Bank, the dominant provider of banking experienced financial problems; as a result, the government had to privatize the bank. The aim of this thesis is therefore to investigate if the privatizati

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22

Somekh, Babak. "Income inequality and consumer markets." Thesis, University of Oxford, 2012. http://ora.ox.ac.uk/objects/uuid:706cebd7-c65a-4f94-acdc-1c03ca94691a.

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This thesis consists of three chapters that analyze theoretically the role of income inequality in consumer markets. Each chapter introduces distributional considerations into an economic model where previously inequality did not play a major role. Chapter one uses a consumer search model to show under what conditions the distribution of income within a community is related to the type of firms that exist within that community, impacting the level of prices. We show that if time and money costs of search are high enough, only the middle class have incentive to search and therefore are the most

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23

Garcia-De, la Cruz Marisol. "Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico." Columbus, Ohio : Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1222125316.

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24

VIOLA, ANDREA. "CREDITO COOPERATIVO: STRUTTURA ORGANIZZATIVA, PROSSIMITà ED ACCESSO AL CREDITO." Doctoral thesis, Università Cattolica del Sacro Cuore, 2022. http://hdl.handle.net/10280/119851.

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Il lavoro si pone come obiettivo lo studio del credito cooperativo italiano ed è diviso in due capitoli. Il primo indaga empiricamente l’efficienza del modello organizzativo a network studiando le economie di scala, le economie di scopo e il potere di mercato, alla luce della riforma che introduce la struttura organizzativa integrata nel 2018. Per 452 banche cooperative (e un gruppo di controllo di 223 banche commerciali) nel periodo 2006-2018, i risultati empirici mostrano che le banche cooperative sperimentano economie di scala e di scopo, ma sperimentano diseconomie di scala ed economie di

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25

Babelis, Viktoras, and Robert Kel. "Elektroninių mokėjimų universitetinėje aplinkoje programinės įrangos projektavimo tyrimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20080811_151928-73940.

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Magistrinio darbo tikslas yra ištirti ir sukurti elektroninių mokėjimų universitetinėje aplinkoje programinę įrangą. Darbo metu buvo atlikta projektavimo ir technologinių sprendimų analizė. Iškelti penki pagrindiniai sistemos realizavimo probleminiai uždaviniai ir pateikti jų galimi sprendimai. Suprojektuotos ir sukurtos programinės įrangos architektūra remiasi trisluoksnio projektavimo principais. Atliekant sistemos kokybės tyrimą ji buvo įvertinta kaip vidutiniška išskiriant tik gana prastai įvertinta sistemos palaikomumo kriterijų. O lyginant sistemos teikiamą naudingumą su alternatyviais s

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26

Castro, Ilgo Alam. "AvaliaÃÃo de Processo do Programa do Fundo Constitucional de Financiamento do Nordeste para Micro e Pequenas Empresas (FNE-MPE) do Banco do Nordeste entre os anos de 2011 e 2014." Universidade Federal do CearÃ, 2015. http://www.teses.ufc.br/tde_busca/arquivo.php?codArquivo=16675.

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nÃo hÃ<br>A presente pesquisa buscou desenvolver um estudo sobre a avaliaÃÃo (de processo) da polÃtica pÃblica de acesso a crÃdito por parte de micro e pequenas empresas (MPEs), mais especificamente em relaÃÃo ao programa do Fundo Constitucional de Financiamento do Nordeste, operacionalizado pelo Banco do Nordeste do Brasil S/A, destinado Ãs micro e pequenas empresas, o FNE-MPE. Na seÃÃo introdutÃria do presente trabalho foi apresentada a proximidade do autor com o tema, o recorte especÃfico da avaliaÃÃo, assim como a questÃo central da pesquisa. Foi reservada seÃÃo para tratar da importÃncia

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27

Lemos, Catherine dos Santos. "Evolução da dívida às instituições financeiras e a crise financeira : PME's vs. grandes empresas." Master's thesis, Instituto Superior de Economia e Gestão, 2013. http://hdl.handle.net/10400.5/11252.

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Mestrado em Ciências Empresariais<br>Considerando a importância que as PMEs (Pequenas e Médias Empresas) assumem atualmente como dinamizadoras das economias e o papel crescente da banca como fonte de financiamento, especialmente em alturas de crise financeira, verificou-se a necessidade de analisar a evolução e o comportamento da dívida das PMEs às instituições financeiras (por setor de atividade económica), comparando com as grandes empresas, e de como esta se altera em períodos de crise financeira. Com o auxílio do coeficiente de correlação de Pearson, irá concluir-se que as PMEs dependem

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28

Than, Nguyen Vinh Hao. "Financial and banking development : the case of Vietnam." Thesis, Paris 1, 2017. http://www.theses.fr/2017PA01E061.

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Le développement bancaire et financier au Vietnam fait face à de nouvelles conjonctures économiques. Il serait utile d'analyser ce développement dans de nouvelles conditions d'intégration imposées par les normes internationales. La thèse vise à soutenir deux idées : (1) le développement de la relation entre les banques commerciales et les entreprises non publiques, particulièrement les PME, qui résulte des changements de la structure économique du Vietnam - un pays en transition vers l'économie de marché et (2) la micro-finance qui est une innovation permettant une plus grande performance des

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STOPPANI, LAVINIA. "Saggi di corporate finance e banking: vincoli al credito, intervento pubblico e performance delle imprese." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/18682.

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La tesi contiene due saggi sull'economia delle politiche pubbliche a sostegno dell'accesso al credito per le piccole e medie imprese. Il primo valuta l'impatto netto sulla disponibilità e il costo del credito e sulle performanec delle imprese del più grande schema di garanzie pubbliche al credito in Italia. Il secondo indaga empiricamente gli effetti distorsivi della politica e i costi che ne derivano, con particolare focus sull'eterogeneità a livello di banca e di impresa.<br>The dissertation deals with the role of public policy in support of firms' access to credit. It is composed of two ess

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STOPPANI, LAVINIA. "Saggi di corporate finance e banking: vincoli al credito, intervento pubblico e performance delle imprese." Doctoral thesis, Università Cattolica del Sacro Cuore, 2017. http://hdl.handle.net/10280/18682.

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La tesi contiene due saggi sull'economia delle politiche pubbliche a sostegno dell'accesso al credito per le piccole e medie imprese. Il primo valuta l'impatto netto sulla disponibilità e il costo del credito e sulle performanec delle imprese del più grande schema di garanzie pubbliche al credito in Italia. Il secondo indaga empiricamente gli effetti distorsivi della politica e i costi che ne derivano, con particolare focus sull'eterogeneità a livello di banca e di impresa.<br>The dissertation deals with the role of public policy in support of firms' access to credit. It is composed of two ess

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31

Sinsin, Léonide Michael. "Economie de l'énergie et accès à l'électricité : trois essais sur le Bénin." Electronic Thesis or Diss., Paris Sciences et Lettres (ComUE), 2017. http://www.theses.fr/2017PSLED085.

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Les objectifs de nos travaux de recherche sont multiples. Tout d’abord, ils balaient le champ de la théorie économique appliquée au secteur de l’énergie. De façon spécifique, il s’agit de revisiter les questions de régulation, de tarification et du bien être dans le contexte africain subsaharien où le secteur de l’énergie est en crise. Par la suite, nos recherches ouvrent un spectre sur les défis du continent que sont l’atteinte des objectifs du développement durable, l’économie mobile et l’innovation grâce à l’accès pour tous à l’électricité. Enfin, cette thèse s’articule au croisement de la

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Lin, Chia-Chi Jackie. "Foreign access to banking markets in China and Taiwan." Thesis, 1996. http://hdl.handle.net/2429/4730.

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China and Taiwan today are both trying to become members of the World Trade Organization (WTO). Recently they have committed a lot of efforts in their banking law reforms and these recent reforms in both countries have provided more opportunities for foreign financial investors. With future WTO memberships, China and Taiwan will be bound by the upcoming General Agreement on Trade in Services (GATS) and consequently will increase their domestic banking services market to foreign banks. This thesis postulates that, while Taiwan and China have different attitudes toward their financial poli

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Wu, Chun-Yueh, and 吳俊岳. "TAIWAN’S BANKING INDUSTRY IN MAINLAND CHINA MARKET ACCESS AND DEVELOPMENT." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/09579961756204711639.

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碩士<br>銘傳大學<br>公共事務學系碩士班<br>98<br>Abstracts: Although Taiwan government and Mainland China government joined WTO( World Trade Oganization ) in 2002 and 2001 . In financial services , because the industry is the sensitive issue , and crosss – train relationship was not harmonious at that time .Two governments signed no financial MOU ( Memorandum of Understanding ). It brought huge difficulties about market access in financial sector . This case until 2009 , after both governments signed a financial MOU . Both sides finally could start a cross - trait financial business relationship directly . Th

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McCarthy, Terence. "An examination of public attitudes to retail banks in Australia : 1993-2002, with particular reference to corporate social responsibilty." Thesis, 2003. http://researchonline.federation.edu.au/vital/access/HandleResolver/1959.17/103137.

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Anecdotal and other evidence indicates that public attitudes to retail banks have been affected by changes in banking practices. There is a perceived gap between the public statements by banks as to services offered and customers' expectations and experience. By being "authorised" under legislation to operate, banks are seen to occupy a special position within the business community in Australia. The banking industry has stated that any negative attitudes to retails banks will be corrected once customers understand the need for change. "From summary"<br>(Doctor of Business Administration)

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Davies, Virginia Louise. "Banking for growth: Tiering the banking sector as a strategy for improving access to credit for small enterprises in developing countries." 2006. http://link.library.utoronto.ca/eir/EIRdetail.cfm?Resources__ID=449759&T=F.

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YANG, SHU-HAN, and 楊舒涵. "A Study on the Market Access of Banking Services in the five ASEAN countries." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/z4aq4p.

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碩士<br>東吳大學<br>國際經營與貿易學系<br>105<br>Benefit from the rapid economic growth in recent years, the ASEAN countries have large numbers of rising middle class and increasing demands for financial services. This successfully attracts many foreign financial service providers to have market access to the ASEAN financial market, which includes service providers from Taiwan. However, due to different developments of language, culture, politic, economy and legislation, investments of banking industry in the ASEAN countries are believed to have high risks. To help the service providers from Taiwan understan

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Hillbrecht, Ronald Otto. "Monetary policy and seigniorage in Brazil open access and the role of state banks /." 1996. http://catalog.hathitrust.org/api/volumes/oclc/38041303.html.

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Waked, Bandar. "Access to Finance by Saudi SMEs: Constraints and the Impact on their Performance." Thesis, 2016. https://vuir.vu.edu.au/32466/.

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Access to finance is one of the biggest obstacles facing the development of small and medium enterprises (SMEs) all over the world. The literature shows that growth and development of the SME sector is strongly linked with sustainable access to financial resources. Although a few studies have attempted to examine this relationship in Saudi Arabia, there remain knowledge gaps with respect to the relationship between the development of SME and obtaining funds from financial institutions. In order to fill this gap, this study aims to assess factors that affect access to finance from Saudi banks b

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Bee, Faustine Karrani. "Rural financial markets in Tanzania: an analysis of access to financial services in Babati district, Manyara region." Thesis, 2007. http://hdl.handle.net/10500/1746.

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Tanzania is among the poorest countries in the world, with most of its population living in rural areas. Like most other developing countries, rural households' access to financial services is very limited. The government has adopted series of economic reform measures since mid-1980s that include financial liberalization. Liberalization of the financial sector facilitated participation of private financial institutions, restructuring of public financial institutions and privatization, elimination of interest rate controls, credit allocation and targeting. In addition, the role of the Bank of T

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Mutezo, Ashley Teedzwi. "Small and medium enterprise financing and credit rationing : the role of banks in South Africa." Thesis, 2015. http://hdl.handle.net/10500/23479.

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The potential of small and medium enterprises (SMEs) in promoting economic growth in both developed and developing countries is widely accepted and documented by both scholars and policy makers. Particularly lacking are studies on the evidence in support of the importance of credit rationing to the sustainability of SMEs in an emerging economy like South Africa’s. This specific problem, especially in the developing countries, has been identified as the major bottleneck in realising socio-economic potentials of SMEs in those countries. However, one of the major ways of addressing the challenge

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Pathmasiri, Saminda. "L’encadrement juridique des biobanques populationnelles et leurs obligations au Québec." Thèse, 2012. http://hdl.handle.net/1866/8582.

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La mise en banque d’échantillons humains et de données connexes n’est pas une pratique récente. Toutefois, dans les dernières décennies, ce phénomène a pris une ampleur sans précédent avec la création des biobanques populationnelles. Défini comme étant des infrastructures de recherche conçues pour durer plusieurs décennies, ce type de biobanques invite des milliers et, dans certains cas, des centaines de milliers de personnes à y participer en fournissant des échantillons, en se soumettant à des tests physiques et biochimiques, et en répondant à diverses questions sur leur santé et leur enviro

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