500 Naturwissenschaften und Mathematik
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- Fakultät 12 / Institut für Technologie und Ressourcenmanagement in den Tropen und Subtropen (28)
- Angewandte Naturwissenschaften (F11) (1)
- Fakultät 02 / Cologne Institute of Conservation Sciences (1)
- Fakultät 04 / Institut für Versicherungswesen (1)
- Fakultät 09 / Institut Anlagen und Verfahrenstechnik (1)
- Fakultät 10 / Institut für Informatik (1)
Die vorliegende Masterarbeit behandelt die Bewertung der eingegangenen Unternehmensrisiken im Rahmen der Lebensversicherung und die hiervon abgeleiteten Auswirkungen zur Unternehmenssteuerung.
Dabei wird einerseits die Angemessenheit der sog. „Standardformel“ nach Solvency II überprüft, die in den europäischen Mitgliedsstaaten einen weitestgehend einheitlichen Ansatz bei der Bewertung der Risiken von Versicherungsunternehmen verwendet. Andererseits werden unter ökonomischen Überlegungen versicherungsmathematische Methoden vorgestellt, wie ein Lebensversicherer seine Risiken unternehmensindividueller ermitteln und damit seinen tatsächlichen Risikokapitalbedarf bestimmen kann.
Zur Quantifizierung der Ergebnisse werden die Berechnungsvorgaben der Standardformel für ausgewählte Risikomodule nachgebildet und mit den in dieser Arbeit vorgestellten unternehmensindividuellen Berechnungen verglichen und analysiert. Es zeigt sich, dass trotz der Komplexität des Solvency II-Modells eine noch differenziertere Herangehensweise notwendig ist, damit ein einzelnes Unternehmen seine Risiken adäquat und möglichst individuell bestimmen kann. Zur Gewährleistung einer nicht bestandsgefährdenden Unternehmensfortführung müssen die Versicherungsunternehmen bei Betrachtung ihrer Risiken mithilfe des EU-weiten Aufsichtssystems Solvency II in der Lage sein, die korrekten Rückschlüsse zur Unternehmenssteuerung zu ziehen. Die in dieser Arbeit vorgestellten versicherungsmathematischen Ansätze können dabei den Prozess zur unternehmenseigenen Risiko- und Solvabilitätsbeurteilung (ORSA) unterstützen.
Urbanization processes are one of the main factors for habitat loss and fragmentation, driving global biodiversity loss and species extinction. The neotropical Atlantic forest in Brazil is considered a global key biodiversity hotspot and used to be one of the most extensive forests of the Americas. Due to substantial deforestation over centuries, its landscape was transformed into a mosaic of small forest fragments surrounded by a predominantly agricultural matrix. Urban expansion and rural urbanization have created peri-urban zones, which still can harbor natural habitat remnants,
contributing to biological diversity and thus providing essential ecosystem services to urban and rural areas. The maintenance of such ecosystem services requires an understanding of the ecological processes in the ecosystem. A prerequisite for such an in-depth insight is the quantification of the underlying ecosystem functions. The ecosystem function pest control, a trophic interaction between insectivorous birds and herbivorous arthropods, was quantified in an empirical study using artificial caterpillars as prey models. This technique allows the identification of predator groups and the assessment of their predation rates. A total of 888 plasticine caterpillars were distributed at eight sites in secondary forest fragments surrounding the university campus of the federal university of São Carlos (UFScar) in peri-urban Sorocaba, southeastern Brazil. In sixteen point counts, 72 insect-eating birds, belonging to 19 species, were identified as possible artificial caterpillar attackers. Local habitat variables were measured to describe the forest vegetation structure and the landscape context. The study aimed to assess which structural components of the
forest fragments, together with the recorded bird community variables (abundance, richness, αdiversity), best explain the estimated predation rates by birds. The mean predation rate for birds was 8.25 ± 6.3 % for a reference period of eight days, representing the first quantification of the ecosystem function pest control for the study area. The three treatments of caterpillar placement heights (ground, stem: 0.5 -1.0 m, leaf: 1.5 - 2.0 m) were the best and only estimator to explain bird
predation rates. The little dense understory and ground vegetation might have facilitated the accessibility of artificial caterpillars, especially for carnivorous arthropods and birds. The detected contrast in their foraging and predation patterns suggests that arthropods and birds complement each other in their function of pest control. Bird predation rates were found to be negatively related to the vegetation structure. Thus, more open habitats, with less understory and low tree density, but high canopy cover and including dead trees were correlated with the highest predation rates and also exhibited more specialized forest-dependent bird species. This study confirms the importance of the maintenance of forest fragments in peri-urban areas, even if they are small, to preserve forest-associated birds, to contribute to the biological diversity on a broader scale, and to prevent the loss of ecosystem functions and services, mitigating some of the adverse effects of urbanization. Further investigation of the effect among the three treatments of caterpillar
placement on the predation rates is encouraged, including comparative studies among different habitat types. For future studies, it is recommended to model the avian community variables with the vegetation structure measures to predict habitat preferences of insectivorous birds. Therefore, the sampling of more units and on a bigger scale, including over a more extended period, is necessary to improve the robustness of the results, which could provide the basis for a monetary analysis of the ecosystem service pest control by birds.
The southeast of Córdoba province used to be originally covered by hundreds of wetlands that got heavily modified or drained in the last few decades. Since wetlands provide various important ecosystem services (ESS) for human well-being, their degradation created several problems in La Picasa basin, among which floods are the most obvious one. The wise use of wetlands is increasingly acknowledged to be part of nature-based solution approaches reducing disaster risk. However, in the study area these approaches remain a relatively new concept to decision makers and the lack of knowledge on their effectiveness and implementation process poses a serious barrier to their adoption.
To overcome this obstacle, this dissertation applies an ESS perspective on the current problems of La Picasa basin and sets it in a context of socio-ecological system (SES) theory. A comprehensive analysis of (1) the role wetlands have played in the historic development of the SES, (2) important stakeholder dynamics that create opportunities or restrictions for the conservation of wetlands and (3) possible management approaches to inverse negative ESS trade-offs and feedback loops, was performed.
Results demonstrate that the current problems of floods have both natural and anthropogenic causes. In this regard, wetlands hold a vital role in the complex historic interactions between the social and ecological drivers of changes in the water balance. Although a social network between stakeholders exists, several conflicts prevent a proper functioning of a basin-wide integrated management concept based on wetland restoration. Nature-based solution approaches, putting wetlands in the center of attention of future management strategies, were found to hold a high potential to reduce the risk of floods and, as a side-effect boost biodiversity and habitat quality in the study area.
Circular economy (CE) has received considerable interest in recent years as a strategy to resolve some of our modern urban resource challenges, and circular city models often incorporate systems of urban agriculture in their design. Much work has analyzed the benefits of urban agriculture for creating a resilient food system and as a strategy for supporting urban green space and social cohesion, however, the contributions from business models that operate within urban agriculture have not been thoroughly studied. Many urban agriculture businesses often claim high levels of resource recycling and material circularity, though whether a resource efficiency throughout the entire product lifetime (including energy and material footprint for the cultivation equipment) in comparison to current industrial strategies is truly feasible or even possible is still to be debated. This thesis builds upon work that incorporates social dimensions of CE definitions and begins to research whether the potential resource efficiency contradiction can be justified as to make urban agriculture a valid approach for circular city design. This study examined an urban mushroom farm that implements a circular business model. A qualitative summary of the business operations and resource flows were unpacked and sorted into 24 socio-economic contributions based on their interpreted relevance. The interpreted data shows that an urban agriculture business model can contribute to the building blocks of a CE through economic, ecological, social, and spatial contributions. While these contributions can contribute positively to the operationalization of CE, potential trade-offs regarding resource efficiency, use of urban space, and investment priorities need to be considered and addressed to avoid a possible watering down or greenwashing of the CE concept.
Due to the global phenomenon of climate change the region of Mara Siana is projected to increasingly face extreme weather events that particularly comprise prolonged droughts and
heavier rainfalls. To be able to adequately adapt to these changing circumstances and maintain their livelihoods communities need to build respective capacities. As the main objective, this research aims at determining landowners’ climate change adaptative capacity (CCAC) across different villages in Mara Siana. Accordingly, a semi-quantitative approach was carried out including qualitative interviews and the subsequent quantitative calculation of CCAC based on a multidimensional indicator set and a respective coding
system. In addition to predominantly positive results of socio-cultural characteristics and the quality of natural resources, this work reveals clear weaknesses and potential for improvement in the areas of income security and financial stability, the expansion and resilience of infrastructure, and the relationship between communities and local authorities. Moreover, differences in capacity results are not only identified between the investigated villages as well as between individual households but also systemic disadvantage in capacity building affecting female landowners and community members can be indicated from the obtained interview data. Therefore, this research gives concrete recommendations for the implementation and verification of suitable adaptive measures that are particularly tailored for the improvement of low-performance indicators while following a gendertransformative approach and thus hold the potential to increase CCAC in the long-term.
Carbon Sequestration under different land uses and soils in the State of Quintana Roo, Mexico
(2017)
Rising in global temperature is evidently related to atmospheric carbon dioxide (CO2) and methane (CH4) concentrations; this has become an environmental problem. The use of renewable energy, the development of eco-friendly merchandise and the enforcement of biomass management have been proposed to mitigate the issue. In the ecosphere, the pedosphere stores 1,500 to 2,500 PgC, which is four times more than the carbon stored in biomass; hence, it is very important to carry out soil carbon studies because of more long-term stability of such storage. In the study, soil carbon quantification was applied to the entire state of Quintana Roo, using a purpose oriented sampling, to observe the dynamic between land uses and soils, relating all relevant characteristics and properties of the landscape. To study the carbon content stored in soils, total carbon was estimated through loss-on-ignition, organic carbon by Walkley-Black method and inorganic carbon by calcium carbonate determination. The result portrays that the coastal dune vegetation-Arenosol (1,256 Mg C ha-1) is the combination with the highest soil carbon density, while Leptosol is the soil type with the highest storage capacity (852 MtC). Consequently, the soil carbon storage not only relates to soil properties but also associates with the surface area occupied by the specific soil type. In addition, the characteristics of the landscape play an important role in the storage of soil carbon. Due to that, soil carbon storage can be explained by biogeomorphoedaphic factors.
For sustainable climate, an exponential growth in renewable heating and cooling is compulsory to reduce consumption of the fossil fuels for production of heat. An essential step from European Commission as an introduction of the strategy for renewable heat has
given a platform to the solar thermal market to tap the highest possible potential. To grab the opportunity given, capacity of the production is to be increased as well as reduction in cost of solar thermal product is to be achieved by any suitable alternate means. Polymer
based hybrid collector, named as OPVT collector, is the innovation from Fraunhofer Institute of Solar Energy Systems to break the road blocks for the solar thermal market. A polymer solar cell and a polymer solar thermal collector, both, technologies have tendency
of high initial investments and extremely low running cost in business. The aims of this study were to develop a calculation tool for determination of production cost of different OPVT collector concepts and evaluate their potential with reference to market size. The tool was expected to be uniform for all possible concepts of OPVT collector and flexible in
usage during the early stage of technological development. In this study, “Microsoft Excel” software based calculation tool is developed for estimation of production cost for different concepts. A Car washing station for water based OPVT collector and a bus station for air based OPVT collector are found be most suitable for start-up of the business. The analysis of results has highlighted that the minimum cost of OPVT collector can be referenced as its material cost. The OPVT collector business has huge potential and
possibility of early break-even point in the
production. As production costs are sensitive to
material costs, input values to the tool must be accurate. Presence of dominance of the material cost
is due to high cost of OPV. In industry, OPV is still being considered as the technological product instead the commodity product. This market potential study for
OPVT collector technology has been the important step in giving the confidence to solar thermal, polymer and plastic processing industries for business investment.
Keywords – OPVT collector, production cost, calculation tool, market size
In the Mesoamerican forest Selva Maya, multiple driving forces create an imbalance in the sensitive human-nature relation and demand for innovative management strategies for its re-establishment. Within the Guatemalan Maya Biosphere Reserve (MBR), core areas are under strict protective legislation and agricultural activity is permitted only within a bordering buffer zone (BZ), which covers great part of the Guatemalan department Petén. Here, the implementation of agroecological practices by multiple stakeholders aims at tackling the principle driving forces of environmental degradation and thus at reducing the pressure on Central America’s largest tropical forest area. Since 2011, the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) has assisted local stakeholders by carrying out the project “Conservation and sustainable use of the Selva Maya”. This project has offered technical support, cooperated with national institutions, and assisted multiple target groups to nudge agroecological transitions at the household and community level. As the establishment of agroecological systems face main obstacles stemming from the socio-ecological setting of the respective area, the following work presents a context specific analysis for the adaption of established strategies in the MBR BZ. Therefore, it raises the following research questions: What are the current properties of the socio-ecological system that describes the BZ? How has the GIZ’s project nudged and guided agroecological transitions? Which factors have favored or limited the turn to agroecological farming? And finally: Which recommendations derive for the navigation of agroecological transitions? The overall research approach is orientated on the framework of ecosystem stewardship1 and incorporates elements of system theory and resilience science. The framework has been adapted by combining two approaches on different management levels. The social-ecological system approach2 is used to describe the socio-ecological system of the BZ, while the evaluation of the pilot groups‘ AESs follows the Mexican MESMIS3 approach for sustainability assessments. By the integration of both approaches, it is revealed that the socio-economic context impedes or hinders the implementation of agroecological strategies for the majority of farmers. The application of the MESMIS framework has revealed that the installed monitoring mechanism is dysfunctional. Findings further indicate that there is potential for transitions of individual AESs, but they demand investments and support with the current circumstances of reducing farmers’ vulnerability. The rapidly decreasing social and environmental conditions for family farmers in the BZ are most likely not addressed by solutions that the agroecological approach tackles. Recommendations for the immediate improvement of the strategy include adjustments of the project’s proceedings as well as fundamental changes in conservation paradigm and governance to maintain the necessary functionality of the socio-ecological system.
Amboseli-Tsavo Ecosystem is a unique landscape in Kenya’s semi-arid rangelands to the border of Tanzania. It is characterized by high abundances of wildlife which frequently disperses between three National Parks, namely Amboseli, Tsavo West and Chyulu Hills. Due to an increased population and a land-use change from prior nomadic pastoralism to sedentary farming activities, the land became highly fragmented and transformed into a human-dominated area. Increasingly wildlife migration routes are becoming blocked, leading to isolation of the National Parks and multiplied human-wildlife conflicts. The African elephant (Loxodonta africana) is sadly famous as the most common conflict animal causing damage to properties, cropland and injuring or killing livestock and, in the worst case, people. However, elephants are at the same time a flagship species and represent the backbone for tourism activities around Amboseli. Therefore, the elephant is both a very valuable and problematic asset in the area. Unfortunately, wildlife conservation practices over the last decades, favoring animals over humans, have led to a negative perception of wildlife among the population in the ecosystem which challenges appropriate conservation mechanisms.
To maintain the tourism attraction of viewing elephants and to minimise the conflicts between local communities and animals, migration routes should remain open. The concept of landscape connectivity ensures biodiversity conservation, particularly for far-distance migration animals such as elephants. The elephant was therefore chosen as a keystone species in this study on which the analysis is based.
Using a least-cost path analysis (LCP) in ArcGIS, “cheapest” travel routes of Loxodonta africana between the three National Parks were identified. Factors included were selected and weighted by information gathered in expert interviews. Satellite imagery were classified using ESA SNAP toolbox to obtain vegetation covers and waterbodies for two different seasons (dry and wet), aiming to illustrate the temporal variability of potential connectivity paths. Additionally, key informant interviews and interviews of Group Ranch members around Amboseli National Park were conducted to gather information regarding the current state of management in the ecosystem and perceptions about wildlife management. A subsequent SWOT Analysis on three optimum routes obtained through LCP, takes the social-political factors and information obtained into account to discuss the different options for their conflict solving potential.
On the one hand, recommendations resulting from this study identify possible elephant migration routes that should be maintained by using a participatory conservation approach to secure landscape connectivity in long-term. On the other hand, management recommendations include a design for improved relationships between Group Ranch members and the responsible governmental institutions by equally distributing benefits, implementing financial benefits and establishing a functioning and adequate compensation scheme. By ensuring peoples’ active participation in conservation and wildlife management, a more positive attitude towards wildlife might be induced, which will positively influence the wildlife conflict in long run.
Durch das permanente Wachstum der Weltbevölkerung wird der Bedarf von Textilien stetig steigen. Die Produktvielfalt sowie der Konsum der Textilien werden immer größer. Die aktuellen Recyclingtechniken ermöglichen es nicht, den Rohstoffkreislauf für Textilien zu schließen. Dies liegt auch darin begründet, dass derzeit große Mengen der Textilien aus Mischgeweben zwischen Baumwolle und PET bestehen. Die Trennung dieser Komponenten ist jedoch eine Grundvoraussetzung für die Entwicklung eines geschlossenen Rohstoffkreislaufs und stellt gleichzeitig eine große Herausforderung für das Recycling dar. Durch chemische Recyclingverfahren können die Rohstoffe getrennt, aufbereitet und in die Textilproduktion zurückgeführt werden. In dieser Arbeit wird aufgezeigt, wie ein chemischer Recyclingprozess, der einen geschlossenen Rohstoffkreislauf erlaubt, technisch realisiert werden kann. Der Prozess erzeugt eine PET-Fraktion und eine Celluloselösung, die in weiteren Verarbeitungsschritten zu einer Regeneratfaser versponnen wird. In dieser frühen Projektphase werden in dieser Arbeit ebenfalls die Investitionsausgaben und die Herstellungskosten für das Verfahren abgeschätzt.