Universal Insurance and the Prospect Theory

In today’s insurance market there is a void that is any one person can have several insurance policies, this entails different providers, different payment schemes etc. There is an opportunity for an insurance company to unite all policies and create a universal insurance (UI) policy, an all in one so to speak. There is an argument that such an policy would be very complex and costly as it would require several specialists to analyse every facets of the purported policy. This need not be the case

Theatres of migritude: towards a dramaturgy of African futures

The thesis aims to contribute to the genre of black migrant cultural production called migritude, developed largely in African diasporic literary circles and tracing its evolution from the Négritude movement. It will mobilize Shailja Patel's significant work to shape a new migritude that stands in continuation and in contestation with the older version of this artistic project. The research question at the heart of the thesis is, what does it mean to have a migrant attitude for theatre and performance making? The thesis explores an approach to thinking about how a relationship between migration and African futurism can be put towards a dramaturgical practice mobilized in the direction of possibility, potential and a more hopeful future. The quest undertaken here is to find out what alternative understandings of African migrancy exist in the spirit of the five case studies, namely Migritude by Shailja Patel, Every Year, Every Day I am Walking by Magnet Theatre, Moj of the Antartctic: An African Odyssey by Mojisola Adebayo, Afrogalactica Deep Space Scrolls by Kapwani Kiwanga and Astronautus Afrikanus, devised by a group of students at Rhodes University under my direction. By analysing each of these performance texts through a different lens, the thesis aims to develop a pliable dramaturgical framework for a migrant attitude which leverages some of the aesthetic features of migritude artistic work as noted by Vanita Reddy (2020). These include defining Africa by movement, linking the concept of migrant with the concept of colonial history and the diasporic refusal of return. Here a migrant attitude also includes Thomas Nail (2015) and Veejay Prashad's (2010) contentions that the migrant is central to a project of social re-imagining, as well as Mark Fleishman's (2015) notion of a dramaturgy of displacement where movement and migration form a core part of both the form and content of the work

Towards performing an afropolitan subjectivity

Includes abstract.Includes bibliographical references (p. 32-34).Emerging directly from three devised performances conducted as practical research projects in the exploration of my thesis, the production supported by this explication titled Afrocartography: Traces of Places and all points in between, (Afrocartography) is located within a series of works that explore an Afropolitan subject position. Towards the goal of articulating a theatrical form, style and aesthetic of this so called Afropolitan experience, the first section of this paper serves to locate the term Afropolitan within a personal contextual frame from which the paper progresses

Consumer Rights Bill 2013: what could it mean for us?

The Consumer Rights Bill 2013 attempts to clarify the rights of consumer and the measures available to protect them. The Bill is a welcome reinforcement as previously consumer rights where contained in various legislation which made for a very cumbersome system. The Bill particularly attempts to give online shopper more confidence by clarifying their rights. It may not be perfect but this bill a step in the right direction

Enhancing cycling as an alternative urban mobility in small 15 km radius cities in Low-Income Countries: A Case Study of Lusaka and Livingstone Cities

Thesis (MEng)--Stellenbosch University, 2025.Chishiba, O. M. 2025. Enhancing cycling as an alternative urban mobility in small 15 km radius cities in Low-Income Countries: A Case Study of Lusaka and Livingstone Cities. Unpublished masters thesis. Stellenbosch: Stellenbosch University [online]. Available: https://scholar.sun.ac.za/items/61c17342-6012-4485-bc3c-f079ab7a70b6Cycling is increasingly recognised as a viable mobility solution globally and in sub- Saharan Africa. However, it is crucial to understand the key factors that impede its widespread adoption in Low-Income Countries. Many individuals in Low-income countries face high transportation costs, making affordable alternatives like cycling essential. However, the existing measures by governments to promote cycling are often drawn from models in developed countries and lack the specificity needed for low-income contexts. The research identified the barriers and facilitators to cycling adoption in Zambia, utilising a bottom-up approach that centres on cyclists' perspectives. The research design incorporated cyclist interviews using a quadrant-based sampling approach across various socio-economic zones. This method helped to offset biases commonly associated with convenient sampling, enabling a more balanced and representative perspectives. Additionally, site observations and a comprehensive literature review provided further insights into the factors influencing cycling adoption in Low- Income countries. The research reveals that while cyclists' current routes may align with their preferences for directness and terrain, significant shortcomings in safety remain major obstacles to broader adoption. Despite a willingness within the cycling community to embrace it, safety concerns and a lack of recognition from motorists are critical drawbacks. The study highlights that although dedicated cycling infrastructure is virtually non-existent, acknowledging cycling as a mode of transport is essential for its growth. Consequently, the research suggests that promoting a cycling culture in Sub-Saharan Africa requires a bottom-up approach prioritising cyclist safety and comfort, and recognising cycling as an equal mode of transportation is key for changing perceptions and promoting its adoption.Master

Universal Insurance and the Prospect Theory

In today’s insurance market there is a void that is any one person can have several insurance policies, this entails different providers, different payment schemes etc. There is an opportunity for an insurance company to unite all policies and create a universal insurance (UI) policy, an all in one so to speak. There is an argument that such an policy would be very complex and costly as it would require several specialists to analyse every facets of the purported policy. This need not be the case

Cloud privacy and security issues beyond technology: championing the cause of accountability

Cloud computing provides IT service providers increased efficiency of resource utilization while enabling consumers to benefit from innovative advantages like access to up-to-date IT resources and low upfront investment. A significant hindrance to adoption of cloud computing is the lack of trust arising from worries over privacy and security when data resources of cloud service consumers are handled by third parties. A key factor in fostering cloud privacy and security is accountability, which increases trust by obligating an entity to be answerable for its actions. This paper uses a hermeneutic literature review to investigate (i) the prevailing methods and strategies of fostering privacy and security through accountability, (ii) the key actors in championing cloud accountability and (iii) the key barriers to cloud accountability. This literature review provides insight into current practices associated with championing cloud accountability and contributes to cloud service provider awareness of ways to improve cloud computing trustworthiness

Forest cover changes and forest management approaches in Kalulu forest reserve no. 32, Kabwe district.

Thesis of Master of Science (MSc) in Environmental and Natural Resources Management.Zambia's forest resources have been disappearing at an alarming rate. This study reports on forest cover changes and forest management approaches in state-owned forests; a case of Kalulu Forest Reserve No. 32 in Kabwe District, in Central Province. Data was collected through questionnaire survey (83) respondents, key informant interviews, Landsat satellite images for 2000, 2005, 2010 and 2015, and field observations. The questionnaire survey were analysed using some measures of central tendencies that is the mean and mode and content analysis for the qualitative data. The interview data were analysed using content and thematic analysis, while the satellite imagery was analysed using the supervised classification and post-classification (thematic) change detection. The results show that, 85 percent of the respondents believe that there has been forest cover loss between 2000 and 2015 attributed to an influx in the population of the squatters. Almost all (98 percent) of the respondents had adopted agricultural based livelihoods which entailed forest clearance. More than half (58 percent) of the respondents believed that land was accessible in the forest through allocations by the chief or village headmen. Time lapse satellite imagery showed that there was a reduction in the closed, open vegetation and wetlands by 79 percent, 49 percent and 65 percent, respectively, between 2000 and 2015. There was an increase in cropfield, bareland/settlement and grassland by 78 percent, 55 percent and 17 percent, respectively, during the same period. The study results suggest that the loss of forest cover could be attributed to a weak institutional framework in that, only 14 percent of the respondents acknowledged that the Forest Department managed the forest reserve while 97 percent of them considered the forest and all its resources being accessible through traditional leaders and political office bearers. Conversely, Forestry Department officials reported being stopped from enforcing their mandate to remove squatters from the forest by political leaders. This suggests conflicts in management of the forest reserve among stakeholders. The study also revealed that 87 percent of the respondents admitted were not aware of any sensitization programmes on forest by the Forestry Department despite the latter’s claim of running such programmes. This study concludes there had been forest cover loss between 2000 and 2005 in Kalulu Forest Reserve No. 32. This was coupled with ineffective forest management approaches used in Kalulu Forest Reserve No. 32 as was the perception of stakeholders in Kalulu Forest Reserve No. 32. The study further concludes that there was no existing link between the Forestry Department and the squatters of Kalulu Forest Reserve No. 32. The study concludes that there that in order protect forest reserves like Kalulu Forest Reserve No. 32, as well as meet the needs of the local people, there is need to establish a robust institutional framework with a strong political will that will ensure sustainable management of state owned forest reserves. The study recommends that there should be more coherence and collaborations created among Forestry Department, political and traditional leaders as well as any other stakeholders in the forest. Additionally, the central government needs to increase budgetary allocations to enhance sensitization campaigns of good forest management in Kalulu Forest Reserve No. 32

Generalized teaching and its effects on teaching and learning in selected primary schools of Chipili district in Luapula province.

ThesisEducation has become one of the most powerful weapons known for reducing poverty and inequalities in modern societies. It is also used for laying the foundation for a sustainable growth and development of any nation. In recent years, there have been a number of innovations and reforms aimed at making education relevant to the needs of the society in Zambia. Despite the premium placed on education, there continue to be challenging and persistent issues negatively affecting teacher education. One of these challenges is the generalized approach in primary schools where teachers teach all the subjects in the curriculum. In this modern era, where education is structured to suit the current economic, social demands of the nation, it has been empirically found difficult for many primary school teachers to execute effective teaching in all the subjects. This study was therefore, prompted by the above aspects in primary schools of Chipili District of Luapula Province in Zambia. The purpose of the study was to examine generalized approach and its effects on teaching and learning in selected primary schools of Mupeta Zone in Chipili District of Luapula Province in Zambia. A sample of 30 respondents were selected, these included 22 class teachers, 5 Head teachers and 3 Standards Officers. The study employed mixed design and thematic analysis supported by inferential statistics were used to analyze data. Research findings showed that generalized teaching does not promote efficiency and teachers because some subjects remain untaught due to lack of competence and expertism in subject’s content. Teachers also failed to teach subjects as they appeared on the timetable due to their magnitude. These too contributed more to lost time. In those primary schools that offered Junior Secondary Education, administrators also assigned the same generalized teachers to teach different subjects. This was also a departure from the current educational policies and standards guidelines. Arising from the above findings, several recommendations were made to stakeholders. It was well emphasized that Teacher Education Department under the Ministry of General Education should review curriculum for primary colleges and universities where generalized teaching need to be subjected to grades 1 – 2 while grades 3 – 7 teachers must be specialized