Microfinance and loan officers' work experiences: perspectives from Zambia

This article studies the challenges faced by microfinance institutions in Zambia, whose remit it is to provide financial services to the poor. It focuses on loan officers – the agents of delivery on the ground. With reference to loan officers’ experiences and words, the paper examines how gender and education shape and structure their day-to-day encounters. The study finds that different social spaces – ’the office’ and ‘the field’ – and wider context explains the gendered, culturally complex and multidimensional nature of developmental work at grassroots level. Social expectations emerge as major pressure points more for female loan officers than their male counterparts, making them less suitable for microfinance work, which has traditionally targeted poor women

Qualitative and quantitative detection of SARS-CoV-2 RNA in untreated wastewater in Western Cape Province, South Africa

Recent studies have shown that the detection of SARS-CoV-2 genetic material in wastewater may provide the basis for a surveillance system to track the environmental dissemination of this virus in communities. An effective wastewater-based epidemiology (WBE) system may prove critical in South Africa (SA), where health systems infrastructure, testing capacity, personal protective equipment and human resource capacity are constrained. In this proof-of-concept study, we investigated the potential of SARS-CoV-2 RNA surveillance in untreated wastewater as the basis for a system to monitor COVID-19 prevalence in the population, an early warning system for increased transmission, and a monitoring system to assess the effectiveness of interventions. The laboratory confirmed the presence (qualitative analysis) and determined the RNA copy number of SARS-CoV-2 viral RNA by reverse transcription polymerase chain reaction (quantitative) analysis from 24-hour composite samples collected on 18 June 2020 from five wastewater treatment plants in Western Cape Province, SA. The study has shown that a WBE system for monitoring the status and trends of COVID-19 mass infection in SA is viable, and its development and implementation may facilitate the rapid identification of hotspots for evidence-informed interventions

Phenotypic and genotypic diversity of wine yeasts used for acidic musts

The aim of this study was to examine the physiological and genetic stability of the industrial wine yeasts Saccharomyces cerevisiae and Saccharomyces bayanus var. uvarum under acidic stress during fermentation. The yeasts were sub-cultured in aerobic or fermentative conditions in media with or without l-malic acid. Changes in the biochemical profiles, karyotypes, and mitochondrial DNA profiles were assessed after minimum 50 generations. All yeast segregates showed a tendency to increase the range of compounds used as sole carbon sources. The wild strains and their segregates were aneuploidal or diploidal. One of the four strains of S. cerevisiae did not reveal any changes in the electrophoretic profiles of chromosomal and mitochondrial DNA, irrespective of culture conditions. The extent of genomic changes in the other yeasts was strain-dependent. In the karyotypes of the segregates, the loss of up to 2 and the appearance up to 3 bands was noted. The changes in their mtDNA patterns were much broader, reaching 5 missing and 10 additional bands. The only exception was S. bayanus var. uvarum Y.00779, characterized by significantly greater genome plasticity only under fermentative stress. Changes in karyotypes and mtDNA profiles prove that fermentative stress is the main driving force of the adaptive evolution of the yeasts. l-malic acid does not influence the extent of genomic changes and the resistance of wine yeasts exhibiting increased demalication activity to acidic stress is rather related to their ability to decompose this acid. The phenotypic changes in segregates, which were found even in yeasts that did not reveal deviations in their DNA profiles, show that phenotypic characterization may be misleading in wine yeast identification. Because of yeast gross genomic diversity, karyotyping even though it does not seem to be a good discriminative tool, can be useful in determining the stability of wine yeasts. Restriction analysis of mitochondrial DNA appears to be a more sensitive method allowing for an early detection of genotypic changes in yeasts. Thus, if both of these methods are applied, it is possible to conduct the quick routine assessment of wine yeast stability in pure culture collections depositing industrial strains

Die invloed van grondsuurheid op ekstraheerbare aluminium in vier gronde van die Winterreenstreek

Skripsie (M. Sc. Agric.) -- Universiteit van Stellenbosch, 1965.Full text to be digitised and attached to bibliographic record

Integrative effects of vine water relations and grape ripeness level of vitis vinifera l. cv. Shiraz/Richter 99. I. physiological changes and vegetative-reproductive growth balances

CITATION: Hunter, J. J., et al. 2014. Integrative effects of vine water relations and grape ripeness level of vitis vinifera l. cv. Shiraz/Richter 99. I. physiological changes and vegetative-reproductive growth balances. South African Journal of Enology & Viticulture, 35(2):332-358, doi:10.21548/35-2-1021.The original publication is available at http://www.journals.ac.za/index.php/sajevThe water relations and physiological status of the grapevine are critical for obtaining a quality product and for fully exploring vineyard and grape potential. The objective of this investigation was to determine the effect of grapevine water status (induced by means of two field water capacity-based irrigation levels, 75% and 100%, applied at single and combined vine developmental stages) on morphological and physiological changes in Vitis vinifera L. cv. Shiraz/Richter 99 grapevines and grapes (harvested at different soluble solid levels) under field conditions. The integrative effects of vine water relations and grape ripeness level, specifically in a Mediterranean high winter rainfall area, have not yet been investigated systematically. The terroir affected the reaction of the vines to treatments. The soil displayed high water-holding capacity and a buffer against favourable evapotranspiration conditions, even with a western aspect and being subjected to long and relatively dry seasons, with frequent occurrence of high temperatures and grapevines with fully developed canopies. The vines did not seem overly stressed – in line with the relatively high base soil water fractions of mostly more than 50% of field water capacity. Primary and secondary leaf water potential and stem water potential displayed similar patterns and the water potential of the primary and secondary leaves was similar. Despite relatively high base soil water contents that prevented excessively low plant water potential and classic leaf and berry behaviour to surface, the vines still responded in a noticeable way to volume and timing of irrigation in relation to the grape ripeness level status. Water relations, ripeness level and terroir conditions showed an integrated, steering impact on physiological, vegetative and reproductive behaviour. Post-véraison irrigated vines were expected to maintain relatively high water potential during the last weeks of the ripening period, but this seemed not to be the case. All vines seemed to have recuperated/stabilised during this time, maintaining their water balances. Physical, physiological and compositional changes in the berry during late ripening under field conditions were clarified further. New information was obtained on the relationships between the behaviour of the root system, canopy and grapes and the changing terroir conditions during the ripening period.http://www.journals.ac.za/index.php/sajev/article/view/1021Publisher's versio

Grapevine row orientation mediated temporal and cumulative microclimatic effects on grape berry temperature and composition

Ambient radiation and temperature are global drivers of grapevine growth, grape yield and composition, and wine quality. Knowledge of the implications of vineyard row orientation/microclimate is required for decision-making in current and future macro- and mesoclimates. Temporal and cumulative microclimatic changes, induced by vine row orientation (NS; EW; NE-SW; NW-SE) of vertically trellised Shiraz grapevines, on berry pulp temperature and composition at different ripeness levels were investigated. Berries dynamically gained heat energy relative to: ambient climate/weather; direct canopy wall/bunch irradiance; and berry skin colour development. Berries exposed to direct solar radiation during the morning, leading to higher pulp temperatures than ambient, but having a cooling profile after that, resulted in slightly advanced sugar ripening and generally higher skin total anthocyanins and phenols, without significant effects on pH and titratable acidity, at the respective ripeness levels. In contrast, excessive exposure of bunches and those that built up heat, reaching highest temperatures during late afternoon, seemed not conducive to grape composition associated with higher quality. The S, SE, E and NE canopy sides showed consistently higher skin total anthocyanin and phenol contents than their counter sides. Except for acylated forms of peonidin-glucoside, anthocyanin (mono-, acetyl- and coumaroyl-glucosides) accumulation was mostly favoured in berries exposed to exterior canopy sides, but differences in acylated anthocyanins between exterior-facing and interior-facing berries were less than for mono-glucoside anthocyanins. Over-exposure and heat peaking during late afternoon seemed detrimental. Novel information on berry pulp temperature variation in a developing composite grape bunch, exposed to weather and microclimate fluctuation, is provided. An ostensibly homogeneous bunch in reality represents a dynamic berry pulp thermal range at any point in time. Cumulative thermal and radiation impact was evident. This is the first comprehensive attestation on the role of grapevine row orientation (or any viticulture practice) in the management of seasonal nocturnal- and diurnal berry temperature and concomitant composition

Loan officers and loan 'delinquency' in microfinance: A Zambian case

The paper seeks to promote greater understanding of the importance of loan officers in group-based microfinance by explaining their actual roles, dilemmas and tensions when working with poor clients. Few existing studies have used data outside Bangladesh and most focus upon relatively well-performing institutions. Using data from Zambia this study focuses on the recent crisis of Christian Enterprise Trust of Zambia (CETZAM) and the effects of its practices for accounting for and dealing with defaulters. The findings firstly show that loan officers faced powerful hierarchical accountability pressures and pursued inappropriate methods to compel further repayments to resolve this crisis. Its approach to borrower default was found to be stressful for loan officers and potentially detrimental for CETZAM's own short and long-term survival by reducing client loyalty and trust