Plug load energy consumption represents up to 40% of the total energy consumption in efficient buildings. Occupant behavior has a huge impact on plug load energy consumption. Studies have shown that up to 40% plug load energy savings can be achieved through users’ engagement in sustainable behaviors. To save energy from plug loads, either a company can replace their appliances with more efficie...

Food insecurity is a mounting concern among Canadian post-secondary students. This study was conducted to evaluate the content of food hampers distributed by University of Alberta Campus Food Bank (CFB) and to assess the cost savings to students, using these hampers. Contents of hampers distributed among 1,857 students and their dependants since 2006 were evaluated against Canada's Food Guide (...

This study investigated the role of insurance business in financial inclusion Nigeria for period 2000-2021. The adopted an ex-post-facto research design using secondary data from World Bank and Central updated to 2021. dependent variable was proxied by ratio total bank deposits population while independent variables were penetration rate, density, dependency ratio, income level. analyzed Econom...

Can microfinance borrowers use the discipline of regular loan repayments in order to accumulate savings if prompted to do so? In an experiment, we offered commercial savings products to the microfinance borrowers of Guatemala’s largest public-sector bank. We find that giving these borrowers the opportunity to develop a saving plan and be reminded of saving at the time of loan repayment caused n...

Using energy saving and effectively is one of the measures to ensure security in urban areas. Research on energy-saving behavior buildings approaches improving usage efficiency. This study explores mechanisms that influence intention (EI) (EB) individuals shared spaces, including Self-transcendence group Values (SV), Descriptive Norm (DN), Group Interaction (GI), Energy management board (MB). T...

In this paper we evaluate the financial performance of virtually all of the branch offices of a large European savings bank for a recent six-month accounting period. We employ a complementary pair of nonparametric techniques to evaluate their financial performance, in terms of their ability to conserve on the expenses they incur in the process of building their customer bases and providing cust...

This study analyzed a post office clerk's tasks, comparing two workstation models. The clerk was facing the client in one, and seated at 45 degrees to the counter in the other. We analyzed the most frequent tasks and those presenting the most critical points: 1) payment of a postal order; 2) accepting a registered letter, breaking them down into subtasks. We used an optoelectronic system for ki...

This thesis examines household characteristics as determinants of formal savings accounts in rural Malawi. The main questions answered in this paper include the effects of household characteristics on the probability of having formal savings, the amounts saved in these accounts, and the probability of adopting formal savings. The central discussion aims to identify the initial adopters of forma...