Effects of Underwriting and Claims Management on Performance of Property and Casualty Insurance Companies in East Africa

The insurance sector plays an important role in service economy of any country by underwriting of risks inherent in most sectors thus providing a sense of peace to most economic entities. Performance of general insurance companies is expected to be related to various factors, including optimal underwriting and prompt and efficient claims management functions. This study investigated the effect of underwriting and claims management practices on the performance of general insurance firms in East Africa. The study employed multiple linear regression analysis using primary and secondary data collected from 82 general insurers in Kenya, Uganda and Tanzania. The findings show that there is a significant positive relationship between underwriting and claims management practices employed by the firms and non-financial performance, but the relationship with financial performance was insignificant. The implication is that a profit oriented insurance firm should embrace a claims function that is closely related with the underwriting and pricing of the firm’s portfolio for meaningful results. It is recommended that general insurance companies focus on other important factors besides underwriting and claims management order to improve overall financial performance

Actuarial Risk Management Practices, Underwriting Risk and Performance of P & C Insurance Firms in East Africa

The purpose of the study was to establish the intervening effect of underwriting risk (loss ratio) on the relationship between actuarial risk management practices (ARMP) and performance of property and casualty (P & C) insurance underwriters in East Africa. Findings from primary and secondary data gathered from 82 general insurers from Kenya, Uganda and Tanzania show that there is a significant positive relationship between ARMP and non-financial performance and that loss ratio significantly mediates this relationship. The relationship with financial performance was however insignificant. The implication is that P & C insurance firms should keenly watch their loss ratios in order to improve their non-financial performance by correctly underwriting, pricing and reinsuring their risks in order to influence their claims ratio and also have a strategic claims management program in place that controls costs and leads to better firm reputation, which in turn will have ripple effect in increasing business volumes and performance. It is recommended that further empirical studies be carried out to establish other factors that especially influence financial performance

Impact of Sociocultural factors on adoption of modern technologies in beekeeping projects among women groups in Kajiado County- Kenya

Sociocultural factors can have various impacts in projects during different project phases. These impacts can be either negative or positive. It is important for project implementers who target adoption of technology among people who hold onto certain cultures to understand what their clients believe and consider effective as well as acceptable. This research focused on sociocultural factors influencing adoption of modern technologies in beekeeping projects with particular focus to women beekeeping groups in Kajiado County in Kenya. The objective of the study was to establish the sociocultural factors that influence adoption of modern beekeeping technologies. The target population for this research was the beekeeping women groups in Kajiado County where a sample size of 116 respondents were drawn. The study employed the use of personal interviews, questionnaires, observation guides and key informant interview guides to collect data from the targeted respondents. The collected data was coded and entered into SPSS (version 21) for analysis. The findings of the study revealed that sociocultural factors have a positive and negative influence on adoption of beekeeping technologies. The factors identified were sex of the household head, marital status, size of the house hold, size of land and cultural beliefs. This conclusion confirmed the study carried out by the Kenya Beekeepers Association (K.B.A., 2005) which suggested that some of the sociocultural factors affecting adoption of new technologies could besex of household, marital status and size of the household among others. &nbsp

Home-ranges of tropical Red-capped Larks are influenced by breeding rather than vegetation, rainfall or invertebrate availability

Home-range studies have received considerable attention from ecologists but are greatly skewed towards the north temperate areas. Tropical areas offer an ideal setting to tease apart hypotheses about weather, food availability and social interactions as important factors influencing home-range. In this study, we investigated home-range and movement patterns of the tropical Red-capped Lark Callandrella cineria, a year-round breeding bird with a dynamic social structure. We tracked 56 individuals using radiotransmitters and colour-ring readings over a 23-month period. Our objective was to understand year-round variation in home-range size in the context of the highly aseasonal and unpredictable variation in weather and resources typical of many equatorial habitats, in addition to the birds? changing social structure and year-round breeding. The mean composite monthly home-range of Red-capped Larks was 58.0 ha, and the mean individual home-range size was 19.9 ha, but this varied considerably between individuals. The total number of nests found per month (breeding intensity) best predicted home-range size of non-breeding birds, and of breeding and non-breeding birds combined. We show for the first time that breeding intensity decreases the home-range size of non-breeding individuals. Our study also underlines the relevance of conducting more studies in aseasonal tropical areas in order to disentangle effects of weather, food availability and breeding that vary in parallel, peaking simultaneously in most seasonal areas

Challenges to Implementing Partnerships in a College of Teachers’ Education and Secondary Schools in Hosanna Town, Southern Ethiopia

The study investigated the challenges of implementing effective partnerships in a College of Teachers’ Education and schools in Hosanna town, Southern Ethiopia, using the study used a descriptive design. The study was conducted in Hosanna town which had two public secondary schools, one private secondary school and one College of Teacher’s Education. The total number of educators was 150. The researchers sampled 37 instructors and 41 school teachers to make a total of 78 respondents.  While there are benefits of forming partnerships among Colleges of Teachers’ Education and schools, bridging the gap between theory and practices of trainees is one of the main established challenges.  Other challenges include gaps between theoretical and practical parts of teacher education programs, lack of finance in implementing partnerships between the college and schools and lack of collaboration between college instructors and teachers. The study recommends that the Ministry of Education should allocate a budget for developing effective partnerships. The regional education office should give training to develop trust among partners. Training should be given to change the pattern of the top to down work order and solve the cultural differences between the colleges and schools

Glial-derived neurotrophic factor modulates enteric neuronal survival and proliferation through neuropeptide Y.

BACKGROUND & AIMS: Glial-derived neurotrophic factor (GDNF) promotes the survival and proliferation of enteric neurons. Neuropeptide Y (NPY) is an important peptide regulating gastrointestinal motility. The role of NPY on the survival and proliferation of enteric neurons is not known. We examined the effects of GDNF on the expression and release of NPY from enteric neurons and the role of NPY in promoting enteric neuronal proliferation and survival. METHODS: Studies were performed in primary enteric neuronal cultures and NPY knockout mice (NPY(-/-)). GDNF-induced expression of NPY was assessed by reverse-transcription polymerase chain reaction (RT-PCR), immunocytochemistry, and enzyme-linked immunosorbent assay. Using NPY-siRNA and NPY-Y1 receptor antagonist, we examined the role of NPY in mediating the survival and proliferation effects of GDNF. Gastrointestinal motility was assessed by measuring gastric emptying, intestinal transit, and isometric muscle recording from intestinal muscle strips. RESULTS: GDNF induced a significant increase in NPY messenger RNA and protein expression in primary enteric neurons and the release of NPY into the culture medium. NPY (1 mumol/L) significantly increased proliferation of neurons and reduced apoptosis. In the presence of NPY-siRNA and NPY-Y1 receptor antagonist or in enteric neurons cultured from NPY(-/-) mice, GDNF-mediated neuronal proliferation and survival was reduced. NPY increased the phosphorylation of Akt, a downstream target of the PI-3-kinase pathway. In NPY(-/-) mice, there were significantly fewer nNOS-containing enteric neurons compared with wild-type (WT) mice. NPY(-/-) mice had accelerated gastric emptying and delayed intestinal transit compared with WT mice. CONCLUSIONS: We demonstrate that NPY acts as an autocrine neurotrophic factor for enteric neurons

Diversity and Taxonomic Identity of Rumen Bacterial Community in Cattle Fed Different Diets

In this study, the identity of rumen bacterial community and their taxonomic classification in Zebu heifers (n=24) fed 4 different diets (range grasses, Bracharia MulatoII, Azolla and Cassava leaf meal) was surveyed using metagenomics sequencing of the 16SrRNA gene. Rumen liquor samples were collected from the heifers from which a total of 192 DNA samples were amplified and the resulting 16S rRNA sequences compared to the existing sequences at the National Centre for Biotechnology Information (NCBI) BLAST database through the MetagenAssist . Bioinformatics analyses indicated that 17 operational taxonomic units (OTUs) were present at the phylum level. Of these, 43.3% were affiliated to the phylum Firmicutes, 27.2% Bacteroidetes, 22.8% Proteobacteria and 1.7% Euryarchaeota. The remaining were Cyanobacteria (1.4%), Chloroflexi (1%) while Actinobacteria, Verrucomicrobia, Spirochaetes, Tenericutes, Planctomycetes, Elusimicrobia, Lentisphaerae, Armatimonadetes, Fibrobacteres, Synergistetes and Arthropoda were all below 1%. Both Time and Diet had significant effect on the abundance of microbes but did not affect their diversity. Different diets therefore can affect the abundance of rumen microbiome and eventually the performance of animals

Lipogenic gene single nucleotide polymorphic DNA markers associated with intramuscular fat, fat melting point, and health-beneficial omega-3 long-chain polyunsaturated fatty acids in Australian pasture-based Bowen Genetics Forest Pastoral Angus, Hereford and Wagyu beef cattle

This study used targeted sequencing aimed at identifying single nucleotide polymorphisms (SNP) in lipogenic genes and their associations with health-beneficial omega-3 long-chain polyunsaturated fatty acids (n-3 LC-PUFA), intramuscular fat (IMF), and fat melting point (FMP) of the M. longissimus dorsi muscle in Australian pasture-based Bowen Genetics Forest Pastoral Angus, Hereford, and Wagyu cattle. It was hypothesized that SNP encoding for the fatty acid-binding protein 4 (FABP4), stearoyl-CoA desaturase (SCD), and fatty acid synthase (FASN) genes will be significantly associated with health-beneficial n-3 LC-PUFA and the meat eating quality traits of IMF and FMP in an Australian pasture-based beef production system. Two SNP mutations, g.21267406 T>C and g.21271264 C>A, in the SCD gene were significantly (p G and FMP, 18:1n-9, ALA, EPA, DHA, DPA, and total n-3 LC-PUFA were also detected. An SNP (g.44678794 G>A) in the FABP4 gene was associated with FMP. These results provide significant insights into the contributions of lipogenic genes to intramuscular fat deposition and the biosynthesis of health-beneficial n-3 LC-PUFA. The findings also unravel the potential use of lipogenic gene polymorphisms in marker-assisted selection to improve the content of health-promoting n-3 LC-PUFA and meat eating quality traits in Australian pasture-based Bowen Genetics Forest Pastoral Angus, Hereford, and Wagyu beef cattle