Locus Of Control And Savings

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Locus of Control and Savings

Author : Deborah A. Cobb-Clark,Sonja C. de New,Mathias G. Sinning
Publisher : Unknown
Page : 0 pages
File Size : 51,8 Mb
Release : 2013
Category : Electronic
ISBN : 3867885141

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Locus of Control and Savings by Deborah A. Cobb-Clark,Sonja C. de New,Mathias G. Sinning Pdf

2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022)

Author : Syed Abdul Rehman Khan,Noor Zaman Jhanjhi,Hongbo Li
Publisher : Springer Nature
Page : 921 pages
File Size : 40,7 Mb
Release : 2023-02-10
Category : Business & Economics
ISBN : 9789464630565

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2022 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022) by Syed Abdul Rehman Khan,Noor Zaman Jhanjhi,Hongbo Li Pdf

This is an open access book. Management science and engineering is a systematic discipline that combines modern information technology and digital technology, and then uses some related discipline methods, such as systems science, mathematical science, economics and behavioral science, and engineering methods. After analyzing and researching some problems arising from social economy, engineering, education, finance, etc., and making corresponding countermeasures. The main purpose is to achieve control and planning, decision-making and adjustment in social, economic, education, engineering and other aspects, and then make improvements, and finally organize and coordinate. The relevant departments can be combined to achieve system management, so that the allocation of resources and the Management can be rationally optimized, so that individual functions can play the greatest role, minimize resource consumption, and maximize the optimal allocation of resources. This is also the ultimate research purpose. Liangliang Wang said:" Management is the productive force, which promotes the development of the country, society and enterprise. The relationship between management practice and management science is the relationship between theory and practice. The research on management science helps to improve the level of management, and then promote the development of the country, society and enterprises. On the other hand, management practice changes with the continuous progress of the times. It is necessary to study the current situation and trend of management science in the new era, which will help to clarify the future development direction of the discipline and discover the deficiencies in management scientific research and grasp it. The focus of management science research, thereby promoting research in management science." Therefore, it is necessary to create a space for management science practitioners, engineering practitioners, researchers and related enthusiasts to gather and discuss this current issue. The 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022) aims to accommodate this need, as well as to: 1. provide a platform for experts and scholars, engineers and technicians in the field of management and software engineering to share scientific research achievements and cutting-edge technologies 2. understand academic development trends, broaden research ideas, strengthen academic research and discussion, and promote the industrialization cooperation of academic achievements 3. Promote the institutionalization and standardization of management science through modern research The conference will focus on software processing and information systems, combining research directions in the field of management. ICMSSE International Conference on Management Science and Software Engineering welcomes papers dealing with management systems research, software programming, management systems optimization, information systems management, etc. The 2nd International Conference on Management Science and Software Engineering (ICMSSE 2022) will be held in Chongqing on July 15-17, 2022. The conference sincerely invites experts, scholars, business people and other relevant personnel from domestic and foreign universities, research institutions to participate in the exchange.

Social Policy Review 35

Author : Ruggero Cefalo,Marcia Rose,Andy Jolly
Publisher : Policy Press
Page : 277 pages
File Size : 40,9 Mb
Release : 2023-06-30
Category : Political Science
ISBN : 9781447369219

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Social Policy Review 35 by Ruggero Cefalo,Marcia Rose,Andy Jolly Pdf

EPDF and EPUB available Open Access under CC-BY-NC-ND licence. In the latest edition of Social Policy Review, experts review the leading social policy scholarship from the past year. The book addresses current issues and critical debates within the field, with a particular focus on intergenerational research. Contributors also explore key social policy and research developments across a wide range of themes, including the impact of COVID-19 on eldercare and homelessness, research into Faith Based Organisations, local social services in Italy and social policies for Autistic adults in England and Wales. Published in association with the Social Policy Association, this comprehensive volume will be essential reading for students and academics in social policy, social welfare and related disciplines.

Consumer Financial Vulnerabilities in Malaysia

Author : Nurul Shahnaz Ahmad Mahdzan,Mohd Edil Abd Sukor,Izlin Ismail,Mahfuzur Rahman
Publisher : Routledge
Page : 225 pages
File Size : 43,9 Mb
Release : 2020-11-29
Category : Business & Economics
ISBN : 9780429623561

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Consumer Financial Vulnerabilities in Malaysia by Nurul Shahnaz Ahmad Mahdzan,Mohd Edil Abd Sukor,Izlin Ismail,Mahfuzur Rahman Pdf

This book examines four aspects of Malaysian consumers’ financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers’ financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019–2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.

The Psychology of Financial Consumer Behavior

Author : Dominika Maison
Publisher : Springer
Page : 236 pages
File Size : 40,7 Mb
Release : 2019-02-28
Category : Business & Economics
ISBN : 9783030105709

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The Psychology of Financial Consumer Behavior by Dominika Maison Pdf

This book stresses the psychological perspective in explaining financial behavior. Traditionally, financial behaviors such as saving, spending, and investing have been explained using demographic and economic factors such as income and product pricing. The consequence of this way of thinking is that financial institutions view their clients mostly from the perspective of their income. By taking a psychological approach, this book stresses the perspective of consumers confronted with a quickly changing financial world: the changing of financial offers and products (savings, investments, loans), the changing of payment methods (from cash to cheques, cards and mobile payments), the accessibility and temptation of goods, and the changing of insurance and pension systems. The Psychology of Financial Consumer Behavior provides insight into the thought processes of consumers in a variety of financial topics. Coverage includes perceptions of wealth, the pleasure or pain of spending, cashless transactions, saving and investing, loans, planning for the future, taxes, and financial education. The book holds appeal for researchers, professionals, and students in economics, psychology, economic psychology, marketing and consumer science, or anyone interested in financial behaviors.

Individual Behaviors and Technologies for Financial Innovations

Author : Wesley Mendes-Da-Silva
Publisher : Springer
Page : 395 pages
File Size : 43,7 Mb
Release : 2018-07-26
Category : Business & Economics
ISBN : 9783319919119

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Individual Behaviors and Technologies for Financial Innovations by Wesley Mendes-Da-Silva Pdf

This book offers comprehensive examination of research on the relevance of individual behavior and technology to financial innovations. The chapters cover current topics in finance including integrated reporting, people finance, crowdfunding, and corporate networks. It provides readers with an organized starting point to explore individual behaviors and new technologies used in financial innovations. The explicit and growing speed of the spread of new technologies has hastened the emergence of innovation in the field of finance. Topics like the Internet of Things, semantic computing and big data finance are motivating the construction of financial tools that translate into new financial mechanisms. This book strives help readers better understand the dynamic of the changes in financial systems and the proliferation of financial products. Individual Behaviors and Technologies for Financial Innovations is organized in 16 chapters, organized in three parts. Part I has eight chapters that review the research on gender differences in attitudes about risk and propensity to purchase automobile insurance, financial literacy models for college students, wellness and attitude of university students in the use of credit cards, impact of programs income distribution and propensity to remain in employment, financial literacy and propensity to resort to informal financing channels, risk behavior in the use of credit cards by students. Part II reviews the research on financing for startups and SMEs, exploring funding through crowdfunding platform, operating credit unions, and using networks of friends to finance small businesses outside the domestic market. The four chapters of Part III describe contexts of financial innovation in listed companies, including society's demands on their behavior - we discuss motivations for companies to participate in corporate sustainability indexes, corporate performance through their profile of socially responsible investments, influence of networks of social relations in the formation of boards, and management of companies, and also the precariousness of financial decisions in large companies, as well as the role of the internet in corporate communication with the market.

Simple Secrets to Becoming a Saving Whiz

Author : Gina Zakaria
Publisher : John Wiley & Sons
Page : 231 pages
File Size : 49,6 Mb
Release : 2024-01-04
Category : Business & Economics
ISBN : 9781394195817

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Simple Secrets to Becoming a Saving Whiz by Gina Zakaria Pdf

Discover the power of simplicity in the quest for financial empowerment In Simple Secrets to Becoming a Saving Whiz: Stop Feeling Overwhelmed, Take Control of Your Money, and Create the Lifestyle You Want, veteran financial educator Gina Zakaria delivers a compelling discussion of leveraging simplicity to approach personal finance. You’ll learn to create momentum and foster financial empowerment as you reach successive, intentional milestones that build your sense of progress and accomplishment. The author shares her own personal debt story and how she accumulated over $105,000 in credit card debt through tiny, seemingly insignificant, actions. She also demonstrates how equally small steps—when taken intentionally—can help you climb your way out of debt and into a place of financial security. You’ll also find: Strategies for breaking down your goals into subgoals that can be easily accomplished Grocery budgeting tips, along with simple shopping strategies, home systems, and effective routines for saving money with food and meal prep Methods for understanding the basics of bills, bill saving strategies, and debt savings using the author’s popular “3A Method” An essential and effective resource for anyone interested in improving their financial outlook, Simple Secrets to Becoming a Saving Whiz is perfect for everyone who hopes to save more money, budget better, and make real, measurable changes to their personal financial habits.

The Psychology of Saving

Author : Karl Erik W‹rneryd
Publisher : Edward Elgar Publishing
Page : 406 pages
File Size : 48,9 Mb
Release : 1999-01-01
Category : Business & Economics
ISBN : 178100885X

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The Psychology of Saving by Karl Erik W‹rneryd Pdf

Some people save and others with similar incomes and wealth do not. Why? Whilst psychology has devoted little attention to the forward looking dimension of human behavior, it contributes theories and techniques for studying the cognitive, motivational, and social factors that affect saving. The book examines the assumption that man is forward looking and desires to provide for the future. It summarizes theories and behavioral research in the area of saving and explores the psychological insights and findings of economists and interprets them in terms of modern psychology. The Psychology of Saving will be welcomed as a major contribution to economic psychology which brings together research and analysis, developing our understanding about rationality, expectations, and consumer behavior.

Bounded Rationality and Public Policy

Author : Alistair Munro
Publisher : Springer Science & Business Media
Page : 330 pages
File Size : 40,7 Mb
Release : 2009-06-10
Category : Business & Economics
ISBN : 9781402094736

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Bounded Rationality and Public Policy by Alistair Munro Pdf

This book is about bounded rationality and public policy. It is written from the p- spective of someone trained in public economics who has encountered the enormous literature on experiments in decision-making and wonders what implications it has for the normative aspects of public policy. Though there are a few new results or models, to a large degree the book is synthetic in tone, bringing together disparate literatures and seeking some accommodation between them. It has had a long genesis. It began with a draft of a few chapters in 2000, but has expanded in scope and size as the literature on behavioural economics has grown. At some point I realised that the geometric growth of behavioural - search and the arithmetic growth of my writing were inconsistent with an am- tion to be exhaustive. As such therefore I have concentrated on particular areas of behavioural economics and bounded rationality. The resulting book is laid out as follows: Chapter 1 provides an overview of the rest of the book, goes through some basic de?nitions and identi?es themes.

End Financial Stress Now

Author : Emily Guy Birken
Publisher : Simon and Schuster
Page : 240 pages
File Size : 40,9 Mb
Release : 2017-05-09
Category : Business & Economics
ISBN : 9781440599149

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End Financial Stress Now by Emily Guy Birken Pdf

End financial stress for good and learn how to manage your money—without a change to income! Studies have shown time and time again that money is a leading cause of stress—but a life free from financial worry isn’t exclusive to the rich and powerful. End Financial Stress Now gives you practical, actionable instructions you need to improve your money management—no matter what your income level is. You can learn how to achieve the mindset of financial flexibility, which can help you navigate any money issues you face. These practical, step-by-step instructions on budgeting can help you track expenses, pay off debt, and save money. Featuring straightforward advice on how to increase self-discipline so you can stick to your budget as well as techniques to help you identity misinformation and false beliefs you have about money, you can follow this guide to create a fulfilling life free of financial stress.

The Psychology of Green Organizations

Author : Jennifer Lynn Robertson,Julian Barling
Publisher : Oxford University Press, USA
Page : 409 pages
File Size : 42,8 Mb
Release : 2015
Category : Business & Economics
ISBN : 9780199997480

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The Psychology of Green Organizations by Jennifer Lynn Robertson,Julian Barling Pdf

As the 21st century advances, the global challenges and consequences posed by climate change are becoming increasingly apparent. Although organisations are considered significant contributors to climate change, they also have the potential to affect it positively through their employees. As a result, understanding how employees' pro-environmental initiatives can positively affect climate change has increasingly become the focus of inquiry among researchers. In this book a number of researchers review leading research in different areas of organisational environmental sustainability.

Proceedings of the 3rd International Conference on Green Energy, Environment and Sustainable Development (GEESD2022)

Author : X. Zhang,H. Ren,Y. Lu
Publisher : IOS Press
Page : 1280 pages
File Size : 53,5 Mb
Release : 2022-10-14
Category : Technology & Engineering
ISBN : 9781643683133

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Proceedings of the 3rd International Conference on Green Energy, Environment and Sustainable Development (GEESD2022) by X. Zhang,H. Ren,Y. Lu Pdf

With the general acknowledgement that climate change constitutes an existential threat to both mankind and to the planet, the quest for more sustainable and environmentally-friendly ways of developing and maintaining human civilizations has become ever more important in recent years. This book presents the proceedings of GEESD2022, the 3rd International Conference on Green Energy, Environment and Sustainable Development. Due to continuing travel restrictions as a result of the COVID-19 pandemic, the conference was held as a hybrid event, part face-to-face in Beijing, China, and partly online via Zoom, on 29 June 2022. The 141 papers included here were selected after a rigorous 6-month process of evaluation and peer-review from the more than 300 submissions received, and are grouped into 7 sections: energy system and smart control; sustainable and green energy; environmental modeling and simulation; environmental science and pollution research; ecology and rural environment; building and environment; and water and mineral resources. The book provides an overview of the most up-to-date findings and technologies current in green energy, environment and sustainable development today, and will be of interest to all those working in the field.

Can Transfers and Behavior Change Communication Reduce Intimate Partner Violence Four Years Post-program? Experimental Evidence from Bangladesh

Author : Shalini Roy,Melissa Hidrobo,John Hoddinott,Bastien Koch,Akhter Ahmed
Publisher : Intl Food Policy Res Inst
Page : 71 pages
File Size : 42,6 Mb
Release : 2019-10-02
Category : Political Science
ISBN : 8210379456XXX

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Can Transfers and Behavior Change Communication Reduce Intimate Partner Violence Four Years Post-program? Experimental Evidence from Bangladesh by Shalini Roy,Melissa Hidrobo,John Hoddinott,Bastien Koch,Akhter Ahmed Pdf

Little is known about whether reductions in intimate partner violence (IPV) from cash transfer programs persist over the longer term. Using a randomized controlled trial design, we show that a program providing poor women in rural Bangladesh with cash or food transfers, alongside nutrition behavior change communication (BCC), led to sustained reductions in IPV 4 years after the program ended. Transfers alone showed no sustained impacts on IPV. Evidence suggests cash and BCC led to more sustained impacts on IPV than food and BCC – through persistent increases in women’s bargaining power, men’s costs of perpetrating violence, and poverty-related emotional well-being.

Two Economists' Musings on the Stability of Locus of Control

Author : Deborah A. Cobb-Clark,Stefanie Schurer,Victoria University of Wellington. School of Economics and Finance
Publisher : Unknown
Page : 43 pages
File Size : 42,6 Mb
Release : 2011
Category : Employment
ISBN : 073404240X

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Two Economists' Musings on the Stability of Locus of Control by Deborah A. Cobb-Clark,Stefanie Schurer,Victoria University of Wellington. School of Economics and Finance Pdf

Empirical studies of the role of non-cognitive skills in driving economic behavior often rely heavily on the assumption that these skills are stable over the relevant time frame. We analyze the change in a specific non-cognitive skill, i.e. locus of control, in order to directly assess the validity of this assumption. We find that short- and medium-run changes in locus of control are rather modest on average, are concentrated among the young or very old, do not appear to be related to the demographic, labor market, and health events that individuals experience, and are unlikely to be economically meaningful. Still, there is no evidence that locus of control is truly time-invariant implying that the use of lagged measures results in an errors-in-variables problem that could downward bias the estimated wage return to locus of control by as much as 50 percent. Those researchers wishing to analyze the economic consequences of non-cognitive skills should consider (i) restricting their analysis to the working-age population for whom there is little evidence of systematic change in skill levels and (ii) accounting for error in the skill measures they employ.

Small Steps to Health and Wealth

Author : Barbara M. O'Neill,Karen Ensle
Publisher : Unknown
Page : 146 pages
File Size : 53,8 Mb
Release : 2013
Category : Finance, Personal
ISBN : RUTGERS:39030041482102

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Small Steps to Health and Wealth by Barbara M. O'Neill,Karen Ensle Pdf