Attitudes Towards and Satisfaction with Credit Unions in Alberta. A Regression and Scale Analysis.

Credit unions have played an important historical role in the Canadian economy. However, recent changes in the financial, agricultural and agri-food industry are posing great challenges to Credit unions in Western Canada. Much attention has been given to the impact of competitive rates and the environment offered by banks on credit union performance to the neglect of issues relating to member satisfaction and commitment which may be adding to other problems in the credit union sector. Studies by Feinberg (2001), Sibbald, et al (1999), Loser et. al (1999) , Fried, et. al (1999), Karels and McClatchey (1999) and Tokle, and Tokle (2001) among others have identified key issues relating to the competitive financial roles of credit unions in small financial services, in comparative analysis studies as well as merger related issues. However many of these studies have focused on the financial aspects of credit unions, and have not dealt with broader issues of whether or not the public understands the nature of credit unions, why people stop or intend to continue being members of credit unions. A mailed questionnaire, designed to elicit understanding of and attitudes towards credit unions was sent out to 1500 Alberta residents. In spite of the fact that the survey was complex with no reminder notice sent, the response rate was 12%. Analysis was conducted with a series of scale and logit regression analyses based on the Theory of Planned Behaviour (TpB) (Ajzen and Fishbein 1975, 1980 and Ajzen (2001) to elicit respondents´ beliefs, satisfaction and attitudes towards credit unions, and to measure the factors affecting their intention to patronize credit unions. Results indicate 78% of respondents were familiar with and understood the concept of credit unions. The majority (58%) was male, and 71% were aged 45 or older. Respondents who are active members of a credit union generally held positive attitudes towards their credit unions, and 89% rated their credit unions as performing well under a set of six performance categories. Analysis from the logit models found credit unions involvement with the local community and customer service to be the major reasons for credit union patronage. Elicitation of respondents´ intentions to patronize a credit union from the TpB analysis show that among the three attributes (attitude, subjective norm, and perceived behavior control), respondents´ subjective norm (siblings influence) and perceived behavioral control significantly explained patronization intentions. Results suggest that a 22 percentage of the public is unaware of credit unions, a further 30 percentage was once and is no longer a member of a credit union. For the 58% of the population that remain committed to credit union, there are still significant issues around member involvement in decision making, communication and provision of education/training to them.Agricultural Finance,

Attitudes Towards and Satisfaction with Cooperatives in Alberta: A Survey Analysis

The purpose of the study is to assess the attitude towards, and satisfaction of residents of Alberta to their cooperatives. A mailed questionnaire to 1500 Alberta residents, with a 16% response rate is analyzed using Likert scales and the theory of planned behavior. The majority of the respondents are males, aged 45 or older, and earn incomes of $49,000 or less. They are reasonably educated with a high school, college or university degrees. Results of the analysis also show a population that has a general positive attitude towards and is satisfied with their cooperatives as is reflected in assessing the performance of their cooperatives as good. Further analysis using the theory of planned behaviour show that respondents' attitude towards their cooperatives is the single most important and significant predictor of their patronization behaviour. However, there are still issues of concern to be addressed for current and past members. These include the inability of management to include members in the decision making process as well as issues of member training and education for the current members, and for the former members who left because they found the experience not rewarding or unable to use the services of their cooperatives when they moved.Institutional and Behavioral Economics,

Molecular modelling of dendrimers for nanoscale applications

Dendrimers are well defined, highly branched macromolecules that radiate from a central core and are synthesized through a stepwise, repetitive reaction sequence that guarantees complete shells for each generation, leading to polymers that are monodisperse. The synthetic procedures developed for dendrimer preparation permit nearly complete control over the critical molecular design parameters, such as size, shape, surface/interior chemistry, flexibility, and topology. Recent results suggest that dendritic polymers may provide the key to developing a reliable and economical fabrication and manufacturing route to functional nanoscale materials that would have unique properties (electronic, optical, opto-electronic, magnetic, chemical, or biological). In turn, these could be used in designing new nanoscale devices. In this paper, we determine the 3D molecular structure of various dendrimers with continuous configurational Boltzmann biased direct Monte Carlo method and study their energetic and structural properties using molecular dynamics after annealing these molecular representations

Assessment of microbranding as an alternative marking technique for long-term identification of New Zealand lizards

‘Microbranding’, a system for individually identifying reptiles and amphibians based on a numbered code of spot brands applied to the body and limbs, was tested on New Zealand skinks and geckos. Common geckos (Woodworthia maculata) and copper skinks (Oligosoma aeneum) were used as test animals. Brands applied in autumn took 3 months or more to heal. There was no evidence of brand-related mortality or increased parasite loads in branded animals. However, after healing the brands faded very rapidly in the skinks to become totally unreadable in all surviving branded skinks after 2.5 years and not accurately readable in most geckos after 3 years. We therefore consider the technique unsuitable as a standard marking procedure for New Zealand lizards

Hydrogel gratings with patterned analyte responsive dyes for spectroscopic sensing

This is an unprecedented report of hydrogel gratings with an analyte responsive dye immobilised in alternating strips where the patterned dye is its own dispersive element to perform spectroscopy. At each wavelength, the diffraction efficiency of hydrogel gratings is a function of dye absorbance, which in turn is dependent on the concentration of analytes in samples. Thus, changes in intensity of diffracted light of hydrogel gratings were measured for sensing of analytes. Equally, the ratio of diffracted intensities at two wavelengths was used for quantification of analytes to reduce errors caused by variations in intensity of light sources and photobleaching of dyes. 15.27 μm pitch gratings were fabricated by exposing 175 μm thick films of photofunctionalisable poly(acrylamide) hydrogel in a laser interferometric lithography setup, generating an array of alternating lines with and without free functional groups. The freed functional groups were reacted with pH sensitive fluorescein isothiocyanate to create gratings for measurement of pH. The ratio of intensity of diffracted light of hydrogel gratings at 430 and 475 nm was shown to be linear over 4 pH units, which compares favourably with ∼2 pH units for conventional absorption spectroscopy. This increased dynamic range was a result of cancellation of the opposite non-linearities in the pH response of the analyte responsive dye and the diffraction efficiency as a function of dye absorbance

Empirical evaluation of selective DNA pooling to map QTL in dairy cattle using a half-sib design by comparison to individual genotyping and interval mapping

This study represents the first attempt at an empirical evaluation of the DNA pooling methodology by comparing it to individual genotyping and interval mapping to detect QTL in a dairy half-sib design. The findings indicated that the use of peak heights from the pool electropherograms without correction for stutter (shadow) product and preferential amplification performed as well as corrected estimates of frequencies. However, errors were found to decrease the power of the experiment at every stage of the pooling and analysis. The main sources of errors include technical errors from DNA quantification, pool construction, inconsistent differential amplification, and from the prevalence of sire alleles in the dams. Additionally, interval mapping using individual genotyping gains information from phenotypic differences between individuals in the same pool and from neighbouring markers, which is lost in a DNA pooling design. These errors cause some differences between the markers detected as significant by pooling and those found significant by interval mapping based on individual selective genotyping. Therefore, it is recommended that pooled genotyping only be used as part of an initial screen with significant results to be confirmed by individual genotyping. Strategies for improving the efficiency of the DNA pooling design are also presented

With Actual Knowledge Comes Lack of Materiality: Offering a Reasonable Bright-Line Rule for the Escobar Materiality Standard

Abstract forthcoming