Fraud tolerance level as a predictor of insurance claims behavior: A South African Study
- Authors: Chetty,Moonsamy Perumal
- Date: 2020
- Subjects: Insurance fraud Fraud -- South Africa
- Language: English
- Type: Thesis , Doctoral , PhD(Criminology)
- Identifier: http://hdl.handle.net/10353/17964 , vital:41999
- Description: The insurance sector as a foundation which other sectors depend on is a critical cornerstone of a well-functioning society. An insurer’s strength exists in its ability to foresee, assess, price and mitigate current and emerging risks. Despite the value that insurance brings to maintaining and sustaining society there is large scale abuse of the various insurance products on offer. The abuse is predominately committed through the submitting of either false or inflated claims which negatively impacts the entire insurance value chain from underwriting to claims processes. Insurance claims fraud is classified as opportunistic or organised. Opportunistic claims fraud consists of claims inflation or claims padding for a genuine loss while organised claims fraud involves the lodging a claim for a loss that did not occur and usually involves staging of incidents. Opportunistic fraud is the most common type of fraud experienced by insurers and presents the greatest challenge to the insurance industry. While there are challenges in accurately determining the true costs of insurance fraud; there is consensus that the costs are significant. In response to incidents of insurance fraud insurers have implemented various measures to curb fraud; these measures range from the establishment of insurance crime bureaus, creation of internal investigation teams and the employment of technology as early warning systems. These measures although useful have not been able to be very effective as insurance fraud still continues to rise. Studies indicate that consumer attitudes towards insurance fraud play an important role which must be considered when developing fraud prevention strategies. Tolerance has been identified as an important factor which influence consumer v attitudes towards insurance fraud. Previous studies found that factors such as high insurance premiums, excess payments, consumer relationship with insurers, consumer’s previous claims experience and societal acceptability of insurance fraud played a role in shaping a consumer’s tolerance level. This study was undertaken to explore the role that policyholder tolerance has on predicting claims behaviour in the South African insurance market. The study also aimed at identifying reasons which motivated policyholder’s to commit and deter them from committing insurance fraud. A further aim was to identify the common types of insurance fraud and to measure policyholders’ perceptions towards their primary insurer, the insurance industry, brokers and insurance assessors. The fraud triangle and the theory of planned behaviour were used as theories in support of this study. Primary data for this study was gather through an online self-administered questionnaire and the sample population consisted of policyholders within the shortterm insurance market. A total of 560 completed valid questionnaires were received and analysed. The study shows that respondents have low levels of tolerance for insurance fraud. Results indicated that financial pressure, greed, financial benefit and opportunity were reasons why policyholders’ committed insurance fraud in SA. Factors which deterred policyholders from committing insurance fraud included consumer integrity and honesty, fear of being caught and prosecuted and fairness and value for money. vi Respondents indicated that inflated claims were more prevalent than false claims and it was easier to submit an inflated claim than a false claim. Regarding perceptions the study shows that respondents have a more positive view of their own primary insurer than the insurance industry in general, brokers and insurance assessors. Lastly, the research identified five factors that significantly explain levels of short-term insurance fraud tolerance, namely 'Unfairness/injustice', “Have policyholders’ best interest at heart”, 'Industry relations', ‘Opportunity’ and 'Morality'. The findings of this study could be useful to insurers when developing consumer education and awareness programmes. There exists opportunities for future research regarding several aspects of insurance fraud which was not dealt with in this study.
- Full Text:
- Date Issued: 2020
Richard Charles Nicholas Branson : a psychobiographical study
- Authors: Preston, Amanda Lorraine
- Date: 2017
- Subjects: Branson, Richard Charles Nicholas, -- 1950- Businessmen -- Great Britain -- Biography Success in business
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: http://hdl.handle.net/10353/5543 , vital:29318
- Description: Unique individuals are fascinating as we all want to be successful. There is thus a need to understand, unpack and share the psychological development and traits that allow some people to become sui generis, and to learn from them. Psychobiographical research is a qualitative approach that can be utilised to uncover the story of such an individual life, resulting in greater understanding of the psychological concepts underpinning the person. This form of study is invaluable, and involves applying psychological theory to lives completed or unfinished, enabling the development and testing of developmental theories. Richard Branson (1950-present), an entrepreneur, adventurer, philanthropist and family man is the single psychological subject chosen in this study. Branson was selected based on interest value, his uniqueness and the lack of a specifically academic and psychologically focused case study on his life. The primary aim was to explore and describe Branson’s personality development across his life, to date. This was achieved by applying both Maslow’s (1954, 1970) theory of optimal development and Adler’s (1929, 1956) Individual Psychology theory to provide a comprehensive idiographic interpretation of the development of Branson. To achieve this, the case study utilised the systematic and consistent collection, analysis and interpretation of life history materials, highlighting three areas of development, namely Childhood, Adolescence and Adulthood. The theoretical frameworks were used to discern, transform and reconstruct his life into a coherent and illuminating narrative of his psychological movement through life. Alexander’s (1988; 1990) model of identifying salient themes was used to analyse data for analytical generalisation (Yin, 2009). The conceptual framework derived from the theoretical perspective was constructed to organize, integrate data, and guide the presentation and discussion of findings of the study in an integrative and comprehensive manner. The findings suggest both Maslow’s and Adler’s theories considered the biopsychosocial context in Branson’s personality development and, at least to some extent, supported concepts indicative of progression toward optimality through having met the needs of the ego actualisation of his self, toward transcending selfishness and attaining altruism and social interest. The study of Branson’s personality development has provided a positive demonstration of the value of Maslow’s (1970a) and Adler’s (1929, 1956) theories to understand the process of development. It has further highlighted the unique trajectory of an individual’s life, contextualized, as well as the possibility of being agents in our own lives and despite challenges, able to become our own idiosyncratic best. The study also highlights the need, at a macro level, for governments to assist those unable to satisfy basic needs such as food, shelter and safety, to set an imperative, to aid those who struggle if a country and its people are to be uplifted. In terms of Adlerian theory, the study highlights the importance of family and early experiences in supporting the earliest years of children to assist them to develop an identity that is healthy and socially useful. Finally, recommendations were made for future research utilising a psychobiographical research design to uncover, illuminate and reconstruct the lives of outstanding and interesting individuals.
- Full Text:
- Date Issued: 2017
Network simulation for professional audio networks
- Authors: Otten, Fred
- Date: 2015
- Subjects: Sound engineers , Ethernet (Local area network system) , Computer networks , Computer simulation
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:4713 , http://hdl.handle.net/10962/d1017935
- Description: Audio Engineers are required to design and deploy large multi-channel sound systems which meet a set of requirements and use networking technologies such as Firewire and Ethernet AVB. Bandwidth utilisation and parameter groupings are among the factors which need to be considered in these designs. An implementation of an extensible, generic simulation framework would allow audio engineers to easily compare protocols and networking technologies and get near real time responses with regards to bandwidth utilisation. Our hypothesis is that an application-level capability can be developed which uses a network simulation framework to enable this process and enhances the audio engineer’s experience of designing and configuring a network. This thesis presents a new, extensible simulation framework which can be utilised to simulate professional audio networks. This framework is utilised to develop an application - AudioNetSim - based on the requirements of an audio engineer. The thesis describes the AudioNetSim models and implementations for Ethernet AVB, Firewire and the AES- 64 control protocol. AudioNetSim enables bandwidth usage determination for any network configuration and connection scenario and is used to compare Firewire and Ethernet AVB bandwidth utilisation. It also applies graph theory to the circular join problem and provides a solution to detect circular joins.
- Full Text:
- Date Issued: 2015
Evaluating the post-implementation effectiveness of selected household water treatment technologies in rural Kenya
- Authors: Onabolu, Boluwaji
- Date: 2014
- Subjects: Water-supply, Rural -- Kenya , Sanitation, Rural -- Kenya , Sanitation, Household -- Kenya , Drinking water -- Purification -- Kenya , Drinking water -- Microbiology -- Kenya , Health behavior -- Kenya
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:6045 , http://hdl.handle.net/10962/d1013145
- Description: Water, sanitation and hygiene-related diseases are responsible for 7% of all deaths and 8% of all disability adjusted live years (DALYs), as well as the loss of 320 million days of productivity in developing countries. Though laboratory and field trials have shown that household water treatment (HWT) technologies can quickly improve the microbiological quality of drinking water, questions remain about the effectiveness of these technologies under real-world conditions. Furthermore, the value that rural communities attach to HWT is unknown, and it is not clear why, in spite of the fact that rural African households need household water treatment (HWT) most, they are the least likely to use them. The primary objective of this multi-level study was to assess the post-implementation effectiveness of selected HWT technologies in the Nyanza and Western Provinces of Kenya. The study was carried out in the rainy season between March and May, 2011 using a mixed method approach. Evidence was collected in order to build a case of evidence of HWT effectiveness or ineffectiveness in a post-implementation context. A quasi-experimental design was used first to conduct a Knowledge, Attitudes and Practices (KAP) survey in 474 households in ten intervention and five control villages (Chapter 3). The survey assessed the context in which household water treatment was being used in the study villages to provide real-world information for assessing the effectiveness of the technologies. An interviewer-administered questionnaire elicited information about the water, sanitation and hygiene-related KAP of the study communities. A household water treatment (HWT) survey (Chapter 4) was carried out in the same study households and villages as the KAP study, using a semi-structured questionnaire to gather HWT adoption, compliance and sustained use-related information to provide insight into the perceived value the study households attach to HWT technologies, and their likelihood of adoption of and compliance with these technologies. The drinking water quality of 171 (one quarter of those surveyed during KAP) randomly selected households was determined and tracked from source to the point of use (Chapter 5). This provided insights into HWT effectiveness by highlighting the need for HWT (as indicated by source water quality) and the effect of the study households’ KAP on drinking water quality (as indicated by the stored water quality). Physico-chemical and microbiological water quality of the nineteen improved and unimproved sources used by the study households was determined, according to the World Health Organisation guidelines. The microbiological quality of 291 water samples in six intervention and five control villages was determined from source to the point-of-use (POU) using the WHO and Sphere Drinking Water Quality Guidelines. An observational study design was then used to assess the post-implementation effectiveness of the technologies used in 37 households in five intervention villages (Chapter 6). Three assessments were carried out to determine the changes in the microbiological quality of 107 drinking water samples before treatment (from collection container) and after treatment (from storage container) by the households. The criteria used to assess the performance of the technologies were microbial efficacy, robustness and performance in relation to sector standards. A Quantitative Microbial Risk Assessment (QMRA) was then carried out in the HWT effectiveness study households to assess the technologies’ ability to reduce the users’ exposure to and probability of infection with water-borne pathogens (Chapter 7). The KAP survey showed that the intervention and control communities did not differ significantly in 18 out of 20 socio-economic variables that could potentially be influenced by the structured manner of introducing HWT into the intervention villages. The majority of the intervention group (IG) and the control group (CG) were poor or very poor on the basis of household assets they owned. The predominant level of education for almost two-thirds of the IG and CG respondents was primary school (completed and non-completed). Though very few were unemployed in IG (8.07%) and CG (14.29%), the two groups of respondents were predominantly engaged in subsistence farming — a low income occupation. With regard to practices, both groups had inadequate access to water and sanitation with only one in two of the households in both IG and CG using improved water sources as their main drinking water source in the non-rainy season. One in ten households in both study groups possessed an improved sanitation facility, though the CG was significantly more likely to practice open defecation than the IG. The self-reported use of soap in both study groups was mainly for bathing and not for handwashing after faecal contact with adult or child faeces. Despite the study groups' knowledge about diarrhoea, both groups showed a disconnection between their knowledge about routes of contamination and barriers to contamination. The most frequent reason for not treating water was the perceived safety of rain water in both the IG and CG. , The HWT adoption survey revealed poor storage and water-handling practices in both IG and CG, and that very few respondents knew how to use the HWT technologies correctly: The IG and CG were similar in perceived value attached to household water treatment. All HWT technologies had a lower likelihood of adoption compared to the likelihood of compliance indicators in both IG and CG. The users’ perceptions about efficacy, time taken and ease of use of the HWT technologies lowered the perceived value attached to the technologies. The assessment of the drinking water quality used by the study communities indicated that the improved sources had a lower geometric mean E. coli and total coliform count than the unimproved sources. Both categories of sources were of poor microbiological quality and both exceeded the Sphere Project (2004) and the WHO (2008) guidelines for total coliforms and E. Coli respectively The study communities’ predominant drinking water sources, surface water and rainwater were faecally contaminated (geometric mean E. coli load of 388.1±30.45 and 38.9±22.35 cfu/100 ml respectively) and needed effective HWT. The improved sources were significantly more likely than the unimproved sources to have a higher proportion of samples that complied with the WHO drinking water guidelines at source, highlighting the importance of providing improved water sources. The lowest levels of faecal contamination were observed between the collection and storage points which coincided with the stage at which HWT is normally applied, suggesting an HWT effect on the water quality. All water sources had nitrate and turbidity levels that exceeded the WHO stipulated guidelines, while some of the improved and unimproved sources had higher than permissible levels of lead, manganese and aluminium. The water source category and the mouth type of the storage container were predictive of the stored water quality. The active treater households had a higher percentage of samples that complied with WHO water quality guidelines for E. coli than inactive treater households in both improved and unimproved source categories. In inactive treater households, 65% of storage container water samples from the improved sources complied with the WHO guidelines in comparison to 72% of the stored water samples in the active treater households. However the differences were not statistically significant. The HWT technologies did not attain sector standards of effective performance: in descending order, the mean log10 reduction in E. coli concentrations after treatment of water from unimproved sources was PUR (log₁₀ 2.0), ceramic filters (log₁₀ 1.57), Aquatab (log₁₀ 1.06) and Waterguard (log₁₀ 0.44). The mean log10 reduction in E. coli after treatment of water from improved sources was Aquatab (log₁₀ 2.3), Waterguard (log₁₀ 1.43), PUR (log₁₀ 0.94) and ceramic filters (log₁₀ 0.16). The HWT technologies reduced the user’s daily exposure to water-borne pathogens from both unimproved and improved drinking water sources. The mean difference in exposure after treatment of water from unimproved sources was ceramic filter (log₁₀ 2.1), Aquatab (log₁₀ 1.9), PUR (log₁₀ 1.5) and Waterguard (log₁₀ 0.9), in descending order. The mean probability of infection with water-borne pathogens (using E.coli as indicator) after consumption of treated water from both improved and unimproved sources was reduced in users of all the HWT technologies. The difference in reduction between technologies was not statistically significant. The study concluded that despite the apparent need for HWT, the study households’ inadequate knowledge, poor attitudes and unhygienic practices make it unlikely that they will use the technologies effectively to reduce microbial concentrations to the standards stipulated by accepted drinking water quality guidelines. The structured method of HWT promotion in the intervention villages had not resulted in more hygienic water and sanitation KAP in the IG compared to the CG, or significant differences in likelihood of adoption and compliance with the assessed HWT technologies. Despite attaching a high perceived value to HWT, insufficient knowledge about how to use the HWT technologies and user concerns about factors such as ease of use, accessibility and time to use will impact negatively on adoption and compliance with HWT, notwithstanding their efficacy during field trials. Even though external support had been withdrawn, the assessed HWT technologies were able improve the quality of household drinking water and reduce the exposure and risk of water-borne infections. However, the improvement in water quality and reduction in risk did not attain sector guidelines, highlighting the need to address the attitudes, practices and design criteria identified in this study which limit the adoption, compliance and effective use of these technologies. These findings have implications for HWT interventions, emphasising the need for practice-based behavioural support alongside technical support.
- Full Text:
- Date Issued: 2014
Hierarchical spatial structure and levels of resolution of intertidal grazing and their consequences on predictability and stability at small scales
- Authors: Diaz Diaz, Eliecer Rodrigo
- Date: 2009
- Subjects: Marine algae -- Effect of grazing on Shorelines -- South Africa Zostera marina Intertidal ecology Spatial analysis (Statistics)
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:5707 , http://hdl.handle.net/10962/d1005393
- Description: The aim of this research was to assess three hierarchical aspects of alga-grazer interactions in intertidal communities on a small scale: spatial heterogeneity, grazing effects and spatial stability in grazing effects. First, using semivariograms and cross-semivariograms I observed hierarchical spatial patterns in most algal groups and in grazers. However, these patterns varied with the level on the shore and between shores, suggesting that either human exploitation or wave exposure can be a source of variability. Second, grazing effects were studied using manipulative experiments at different levels on the shore. These revealed significant effects of grazing on the low shore and in tidal pools. Additionally, using a transect of grazer exclusions across the shore, I observed unexpected hierarchical patchiness in the strength of grazing, rather than zonation in its effects. This patchiness varied in time due to different biotic and abiotic factors. In a separate experiment, the effect of mesograzers effects were studied in the upper eulittoral zone under four conditions: burnt open rock (BOR), burnt pools (Bpool), non-burnt open rock (NBOR) and non-burnt pools (NBpool). Additionally, I tested spatial stability in the effects of grazing in consecutive years, using the same plots. I observed great spatial variability in the effects of grazing, but this variability was spatially stable in Bpools and NBOR, meaning deterministic and significant grazing effects in consecutive years on the same plots. Both the significance in grazing effects and spatial stability depended on the level of resolution (species, functional, biomass) at which the algal assemblage was evaluated, suggesting hierarchical variability. In order to be able to predict spatial variability in the effects of grazers in the upper eulittoral zone using biotic and abiotic micro- and macrofactors, a conceptual model was proposed, based on data from several multiple-regressions. This linked the interactions among three elements: idiosyncratic heterogeneity, micro and macrofactors. This suggests that spatial variability can be a product of these factors, while spatial stability can be caused by the same or different combinations of factors. In conclusion, grazing and other ecological phenomena must be studied hierarchically, not only through spatiotemporal scales, but also at different levels of resolution, as these also influence our perception of patterns.
- Full Text:
- Date Issued: 2009
Students' conceptions of simple D.C. electricity circuits: a study of primary, inappropriate conceptions, learning difficulties of physics students, and implications for instruction
- Authors: Jiya, Zindlovu
- Date: 1990
- Subjects: Physical sciences -- Study and teaching (Secondary) -- South Africa -- Eastern Cape
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:5441 , http://hdl.handle.net/10962/d1001994
- Description: The work attempts to identify the general conceptual problems of the generations of Black students who pass through flrst year physics courses at the University of Fort Hare. In particular the alternative conceptions of students in the area of direct current electricity are investigated, using various techniques including written diagnostic tests. The main method used in the investigation of the student frameworks is the personal interview. A varied number of inappropriate conceptions are identifled in the students in significantly large proportions, and these are found to be dependent on many factors; for example the socio-cultural background like language and its metaphors, and media images. It is established that some of these are exacerbated by student perceptions about the nature of physics and of the scientific enterprise in general. Certain proposals are made about how to remedy the situation; relying mainly on the recently established innovative instructional strategies like conceptual change and cognitive conflict, and on making proposals about restructuring certain forms of presentation of the subject matter, paying attention to how language is used to address the speciflc problems of the students. The importance of providing practical experiences for the students is also emphasised
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- Date Issued: 1990
Pitch learning and the implications for music education
- Authors: Byrd, Audrey S
- Date: 1977
- Subjects: Musical pitch -- Instruction and study
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:2627 , http://hdl.handle.net/10962/d1001867
- Description: A study of pitch learning must outline first the procedures involved in such learning and then identify specific factors appearing to influence the learning of pitch. Once identified, each factor can then be evaluated by controlled experiment before confirming its influence. Since it is what is heard and perceived that is learnt, I have started with the process of Hearing and Perceiving, for as Arnold Abramovitz, Senior Lecturer in Psychology at Cape Town says, “the reception, processing and interpretation of acoustic symbols constitutes some of the most elusive and complex phenomena to attempt to examine, gauge and measure, due partly to the transient, ephemeral nature of sound itself.”
- Full Text:
- Date Issued: 1977
Pitch learning and the implications for music education
- Authors: Byrd, Audrey S
- Date: 1977
- Subjects: Musical pitch -- Instruction and study
- Language: English
- Type: Thesis , Doctoral , PhD
- Identifier: vital:2675 , http://hdl.handle.net/10962/d1007403
- Description: From introduction: A study of pitch learning must outlina first the procedures involved in such learning ar~d then identify specific factors appearing to influence the learning of pitch. Once identified, each factor can then be evaluated by controlled experiment before confirming its influence. Since it is \'lhat is heard and perceived that is learnt, I have started with the process of Hearing and Perceiving, for as Arnold Abramovitz, Senior Lecturer in Psychology at Cape Town says, "the reception, processing and interpretation of acoustic symbols constitutes some of the most elusive and complex phenomena to attempt to examine, gauge and measure, due partly to the transient, ephemeral nature of sound itself."
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- Date Issued: 1977