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Schrift ist in ihrer Besonderheit verkannt, versteht man sie allein als Mittel zur Stillstellung gesprochener Sprache. Phänomene wie Schriftbildlichkeit, Operativität und die Physiognomie des Schriftbildes machen Schrift zu einem Medium. In der Entwicklung und in der Verwendung von Schriftgebrauchsformen in unterschiedlichen Kontexten werden sowohl die Eigenschaften, die Schriftzeichen mit verbalen Zeichen gemeinsam haben, als auch die Potentiale, die sie mit pikturalen Zeichen gemeinsam haben, genutzt. Daher werden in der vorliegenden Arbeit die Funktionalisierungsmöglichkeiten von Schriftgebrauchsformen vor dem Hintergrund der Symboltheorie Nelson Goodmans vorgestellt. Eine an die ästhetische Theorie angelehnte Herangehensweise ermöglicht es, gerade die bildlichen Aspekte von Schriftformen – die bislang in schrifttheoretischen Arbeiten meist als irrelevant ausgeblendet werden – zu berücksichtigen. Es wird ein dynamischer Kompetenzbegriff in Anlehnung an J.G. Schneider entwickelt, der alle Fähigkeiten umfasst, die benötigt werden, um Schriftgebrauchsformen erfolgversprechend verwenden zu können. Zu diesen Fähigkeiten gehören nicht nur grammatische und orthographische Kompetenz, sondern ebenso Geschmack und die Fähigkeit zur Analogiebildung. An Beispielen verschiedener Schriftverwendungen wird gezeigt, wie unterschiedlich Schriftgebrauchsformen eingesetzt werden können. So wird Schrift als Kulturtechnik darstellbar und mithin verdeutlicht, dass die Art und Weise, wie Menschen ihre Kultur, ihre Welt, aber auch ihre spezifische Umgebung und eigene Identität modellieren, von Schriftverwendungen geprägt und verändert wird.
This study examines the contribution of saving and credit cooperatives (SACCOS) on the improvement of members‘ socio economic development in Rwanda: Opportunities and challenges‖, Evidence from Umwalimu SACCO- Huye District‖. The appearance of saving and credit cooperatives or credit unions has been known as remedy for social ills rooted in poverty because of its efficiency in loans or credits dispensation, social equality for enhancement and reduction of poverty amongst low income earners. Therefore, millions and millions of poor people and non-bankable in developing countries (or third world countries) have been provided access to formal financial services through saving and credit cooperatives‘ programs.
The targeted population concerned by the study was 1,940 members of USACCO from which a sample of 92 respondents was purposively selected. The study has adopted a combination of correlation and descriptive research design. It has employed both quantitative and qualitative approaches. The study used both primary and secondary data. The primary data was collected using questionnaire and interview and, while secondary data was collected using documentations techniques whereby, Manual of procedures and Credit policies of USACCO and financial reports have been consulted. The analysis of data was done using SPSS version 21. The data was presented in form of tables, charts and graphs designed by SPSS v. 21. The bio-characteristics of respondents showed that, the majority of respondents were women with 55.4%, majority of respondents‘ age is between 26 to 45 years Furthermore, and majority 77.20% of respondents were married. 100% of respondents attended school, where the majority of respondents attended secondary school with certificate A2.
The study has revealed that Umwalimu SACCO services offered to its members have a positive effect on the improvement of members‘ welfare. It was found that USACCO services have slightly affected income level of members, assets acquired, access to education and medical care as well as small income generating activities established by members in Huye District. The analysis of data also revealed that there are some variables which have effected USACCO members‘ socio-economic status, these were listed as: Education background of a member, number of dependents, the occupation of a member, and number of loans got from USACCO, government programs against teachers‘ welfare, and membership duration played very important role on the improvement of standard living of teachers. All these variables were found to have positive effects on teachers‘ socio-economic status, except the family size of respondents.
In addition, the findings showed that, the majority of respondents confirmed that, they did not find opportunities to save with other financial institutions, and other respondents did not have access to loan from other financial institutions due to complicated loan requirements. In addition, after they
have joined USACCO, their deplorable status somewhat changed, both socially and economically which has contributed to the improvement of their welfare. Therefore, the study testified that, the welfare of USACCO members in terms of assets acquired, income increased was improved compared to situation before joining USACCO. The study concludes that ―the level of improvement of living conditions of teachers depends largely to the level of loan granted by USACCO to teachers and membership duration. If the level of teachers‘ loan and saving increases, there will be also improvement of teachers‘ wellbeing‖ and finally, USACCO financial service is a veritable instrument for better improvement of economic and social conditions of teachers. The study recommends that, USACCO should provide frequent and regular trainings on business management game to their members. This could help members for good management of their loans and reducing loan defaulters‘ cases observed at USACCO. Challenges observed were lack of physical collateral security required by USACCO, complicated loan requirements terms and conditions and insufficient trainings on business management game.
This thesis is concerned with an issue of considerable importance to the development of revision skills: the role of teacher feedback. Prompted by the concern to develop a model of instruction which will help students write to the best of their capacities, the present study forms a proposal: an interactive model of revision. The study researches whether the kind of feedback proposed in this model is indeed a helpful tool for revision and whether the kind of negotiated revision that occurs is a vehicle for learning. The first section of the thesis reviews different areas of literature which are relevant to the study. More specifically, Chapter 2 presents the historical and theoretical foundations of different writing instructional practices and sheds light on issues concerning the use of the process approach. It also reviews research based on sociocognitive theoretical perspectives in an attempt to delineate the impact of interpersonal or social activity on individual performance and progress. Chapter 3 examines issues associated with the process approach in particular and illustrates how theory and method come together in a process writing classroom. Chapter 4 presents the differences in revising behaviours between experienced and inexperienced writers in both L1 and L2 contexts and the various ways these differences have been justified. It also highlights a number of issues which have been identified as contributing to effective revision. Particular attention is paid to the role that teacher feedback has to play as a means of promoting substantive student revision with an instructional emphasis on fluency, organisation and language. Chapter 5 presents an interactive model of revision, which envisions a communicative exchange between two partners, the student-writer and the teacher-reader, collaborating in order to develop awareness of revision strategies and establish criteria for effective writing. Chapter 6 investigates the epistemological basis of the research and presents a set of research questions and hypotheses, which guided the investigation. Chapter 7 frames the context of the research and details the methods used to collect the data from the study. The study involved 100 Year 7 students in two gymnasia in Koblenz, Germany. During the time of the investigation, the students wrote and revised five tasks. Three of these tasks were revised after receiving teacher feedback, which focused on aspects such as appropriacy and sufficiency of information, organization, coherence and grammatical accuracy. The study investigates the effects of this kind of focused feedback on the students" revisions and explores the relationship between revision and text improvement. Large quantitative and qualitative data sets were generated during the research. The quantitative data was based on the student documents (1000 original and revised drafts) whereas the qualitative data emerged from student questionnaires and seven case studies. Chapter 8 presents descriptions of the data analyses. More specifically, it describes the initial and final coding of the revisions traced in the student documents. Then it focuses on the type of qualitative analysis employed in the case studies in order to investigate the relationship between revision and text improvement. The final section of the chapter describes the questionnaire analysis, which was carried out to investigate attitudes, benefits and constraints from the implementation of the model. Chapter 9 examines the statistical results from the analysis of the students" revisions. More specifically, it explores the revisions made by the students across tasks and the relationships between the features of the teacher feedback and these revisions. The analysis highlights patterns in the development of revision skills and positive correlations of student revisions with features of the teacher feedback. Chapter 10 looks at the descriptive data from the case studies of seven individual student writers. The analysis of this data illustrates how the specific students negotiated the revisions and sheds more light on the relationship between feedback, revision and text improvement. Chapter 11 contains the analysis of the students" answers to the questionnaire, which provide illuminative information about the feedback-related attitudes. In Chapter 12, the thesis reaches its final destination. The journey over the paths of literature exploration, data gathering and data analysis ends with reflections on the messages that emerge from the data analysis. The conclusion reached is that young students can learn how to revise their writing and focused feedback is a viable pedagogic option for teaching revision. In addition to discussing the findings, this final section considers the pedagogical implications for the teaching of writing and suggests possible avenues for further work.