a focus on the financial services sector in south africa

... 18 THE ROLE OF THE FINANCIAL SERVICES SECTOR in Expanding Economic Opportunity In the financial services sector, engagement with microfinance institutions, international financial institutions, ... offer basic banking to some of the least affluent in Ghana The Traditional Banking Sector in Ghana Banks reach only a small proportion of Ghanaian households, partially because they are concentrated ... increase availability and affordability of banking and savings accounts The major banking players have already gained significant traction in this area by increasing the number of branches, ATMs,...

Ngày tải lên: 29/03/2014, 08:20

... advantages, namely the ownership advantages, locational advantages and internalization advantages A precondition for international activities of a company are the availability of net ownership advantages ... application and accompanying material, the Department shall examine the application for formalities For a cancellation action, the application shall be examined to determine that it meets the requirements ... each line indicates the gains from trade This sample concept of comparative advantage serves as a basis for international trade, even when one nation has advantage over another in the production...

Ngày tải lên: 06/08/2015, 11:39

... unpacking according to the appropriate context may well bring such abstractions as wealth (rather than actual currency) and influence ( rather than actual speech ) to the listeners or readers mind ... Proverbs reveal themselves once again as user-friendly by making their sharp analogical points rather smoothly: we dont have to labor hard in order store and retrieve the cross-domain associations evoked ... culture information They are linked to cultural tradition closely so they are inalienable Secondly, we also find that many English and Vietnamese idioms and proverbs have the same meaning, awareness...

Ngày tải lên: 18/03/2014, 00:21

Ngày tải lên: 04/04/2014, 00:20

... on teaching and learning listening skill Qualitative method was used to analyze data obtained from the aforementioned data collection instruments This is a piece of action research and the findings ... challenging Importantly, they not only improved their autonomy but also evaluate their language outcomes Among the advantages listening offering them, enhancing team-work skills and approaching ... language skills as writing, reading and speaking It is considered as a new teaching and learning method and 28.8% of them show the interest and curiosity in this new learning approach After the...

Ngày tải lên: 28/03/2015, 08:51

... translation: (1) Intralingual translation, or rewording (an interpretation of verbal signs by means of other signs in the same language) (2) Interlingual translation or translation proper (an interpretation ... factor in social organization and meaning plays such an important role in communication Meaningless utterances have no value in communication; they can only make their language users a laughing ... translating: exchanging information and establishing and maintaining social relations 1.2.4.4 Translation procedures The translating procedures, as depicted by Nida and Taber (1969/1982) are as...

Ngày tải lên: 17/07/2015, 11:05

... Motivation There are stages in a process model of L2 Learning Motivation, preactional stage, actional stage and postactional stage They are viewed in two dimensions: Actions sequence and Motivational ... great impact on the student’s motivation in these sitcoms - speaking class They are “Active classroom interactions” “New activities in class and evaluation”, “Entertaining Teaching Material”, ... convincing way Their tasks are to play with their voices, intonation and articulation” Besides voices, intonation and articulation, the researcher decided to put one more factor in their task was...

Ngày tải lên: 12/04/2016, 08:05

... and to take all advantages of the group work under their arrangement iii iv PART A: INTRODUCTION Rationale As far as we know, in recent years there have been number of exciting developments in ... behaviors to the teacher’s roles in order to obtain valid information regarding the effective use of group work under teacher’s management, so as to bring innovation in class The focus is on ... practise speaking English in class without the teacher’s control, the teacher needs to be sensitive when interrupting group work communication and the teacher should always available and only interrupt...

Ngày tải lên: 17/05/2016, 13:05

... cheese as dry as a bone 31 as dry as dust 32 as dry as paper 33 as easy / simple as ABC as flat as a board 34 as flat as a fluke / flounder as flat as a pancake 35 as gentle as a lamb 36 as hard as ... cold as ice 26 as common as dirt / muck 27 as cross as a bear with a sore head 28 as dead as a doornail as dead as mutton 29 as dead as the dodo as deaf as a post 30 as different as chalk and/from ... hyperbole in English and Vietnamese will be radicalized On the other hand, the definitions, the functions, the syntax aspect and the usage of hyperbole in each language Stage 3: Analyzing and concluding...

Ngày tải lên: 05/09/2016, 20:23

... in 34 workplaces involved mainly in mining and manufacturing in Botswana, South Africa and Zambia during 2000–2001, found a national prevalence rate of 14.5% in South Africa and showed that the ... rites of passage, marriage and death In addition to the above, other social and economic factors that are crucial in driving the HIV/AIDS epidemic in South Africa are stigma and denial associated ... Africa During the past decade, several studies have been published that have examined the impact of HIV/AIDS on various sectors of the economy in South Africa, including mining and manufacturing...

Ngày tải lên: 22/03/2014, 18:20

... images, and analyzes the information for description and themes From this data, the researcher interprets the meaning of the information, drawing on personal reflections and past research The ... of the Three Cs model on leadership and administrative decisions at XYZ Financial Services The study examined the perceptions and opinions of the collection staff at XYZ Financial Services in ... participants and the financial institution under investigation remained anonymous Participants were kept anonymous to protect their rights The identity of the financial institution was kept anonymous...

Ngày tải lên: 03/06/2014, 00:52

... http://www.jhoonline.org/content/2/1/46 Dasatinib Dasatinib is a thiazole carboximide with potent activity against BCR-ABL and also SFKs [15] This agent has 325fold greater activity against unmutated BCR-ABL in vitro than imatinib, ... associated with dasatinib therapy are predominantly mild or moderate (grade or by the National Cancer Institute Cancer Therapy Evaluation Program criteria), and are self-limiting or resolve following ... clinical concerns These problems may either prevent a patient from attaining a sufficient clinical response (suboptimal response), or may cause a patient to lose an existing one (relapse) In the...

Ngày tải lên: 10/08/2014, 22:20

... to the traditional teaching method and they usually concentrate on only two of the skills, reading and writing This is mainly because the other two are not tested in examinations In addition, ... Functional-Notional Approach In the 1970s teachers of the Functional-Notional Approach stopped teaching grammar and started teaching more practical phrases and vocabulary for everyday life and social situations ... accumulating information about teachers and teaching methods applied in JHSs, viewing teaching and learning materials and assessing the utility of these materials Also in this 37 chapter a survey...

Ngày tải lên: 07/11/2012, 14:41

... VIET NAM NATIONAL UNIVERSITY, HANOI COLLEGE OF FOREIGN LANGUAGES POST GRADUATE STUDIES DEPARTMENT TRẦN QUỐC VIỆT A STUDY ON THE TECHNIQUES FOR THE IMPROVEMENT TO THE TEACHING OF ORAL SKILLS IN LIGHT ... COMMUNICATIVE ENGLISH LANGUAGE TEACHING FOR JUNIOR HIGH SCHOOL TEACHERS IN QUẢNG NGÃI PROVINCE (NGHIÊN CỨU CÁC THỦ THUẬT NÂNG CAO VIỆC DẠY KỸ NĂNG NGHE NÓI TIẾNG ANH THEO ĐƯỜNG HƯỚNG GIAO TIẾP ... TIẾNG ANH THEO ĐƯỜNG HƯỚNG GIAO TIẾP CHO GIÁO VIÊN TRUNG HỌC CƠ SỞ TẠI TỈNH QUẢNG NGÃI) M .A. THESIS HA NOI-2007 ...

Ngày tải lên: 07/11/2012, 14:41

... Tấn Bảo and my colleagues of Foreign Languages Department, Quang Ngai Teachers Training College for their attention and encouragement I am appreciative of all those who have kindly advised and helped ... deep gratitude to all my teachers at College of Foreign Languages, Vietnam National University-Hanoi for their valuable lectures And their knowledge, their thoughtfulness as well as their sympathy ... ii 2.6.2 Findings and discussion 2.6.2.1 Teachers’ Personal Information • Age of teachers • Teaching experience and training .9 • Qualifications ...

Ngày tải lên: 07/11/2012, 14:41

... 2003 The characteristics of a granular activated carbon In a granular activated carbon contact basin, virgin carbon is domestic activated carbon made from palm shell, reactivated carbon means activated ... conditions and methods The study selected basins(2 reactivated, spent carbon basins, and virgin carbon basin) of granular activated carbon from 24 ones in the M water purification plant in Daegu; ... carbon 24 granular activated carbon contact basins consist of buildings each of which has stationary downward filter basins The rate of activated carbon and sand is 250:20(㎝); the under drainage system...

Ngày tải lên: 05/09/2013, 08:40

... experimental class was 10 and the lowest was Actually, in the experimental class, the difference among each individual in vocabulary acquirement was greater than that among the members of the control ... communicate through speaking, listening, and writing 1.3 Teaching vocabulary 1.3.1 The role of vocabulary teaching Teaching vocabulary being an important part of teaching foreign language has the goal ... the Institute of Communication and Education, and the People’s Institute Nowadays, it is the large national training institution, which focuses in training theory and journalism It provides the...

Ngày tải lên: 07/09/2013, 13:04