scholarly journals Analysis of the trends and determinants of credit and saving behavior of households in the Russian regions

2021 ◽  
Vol 15 (4) ◽  
pp. 661-675
Author(s):  
A. I. Kadochnikova
Keyword(s):  
Financial Literacy ◽  
High Speed ◽  
Internet Access ◽  
Negative Influence ◽  
Economic Behavior ◽  
Likelihood Method ◽  
Place Of Residence ◽  
Savings Behavior ◽  
Current Trends ◽  
The Impact

Objective: to identify the current trends and factors of credit and savings behavior of the Russian households.Methods: graphical method, logit model, probit model, maximum likelihood method.Results: the development of digital services, the acceleration of inflation and the increase in debt burden resulting from the pandemic have changed the model of economic behavior of households. The need to analyze credit and savings behavior has become more acute in order to empirically substantiate the measures of economic, legal and financial support of households by state institutions. The analysis showed an increase in the average loan amount and the proportion of families whose members took a loan; a decrease in the proportion of families who borrowed from individuals, lent money and made savings; a sharp increase in the variation of the amount of credit and savings in 2019; a decrease in the number of commodity loans and an increase in the number of consumer and mortgage loans. A positive effect of the number of people in the household, place of residence, income, availability of a computer, laptop and high-speed Internet access in the household on the probability of attracting credit funds was found; a negative influence of the number of people in the household and place of residence (village) on the probability of savings was confirmed; the impact of having a computer and high-speed Internet access on the probability of savings in the household was not found.Scientific novelty: the article uses data from the Russian Monitoring of the economic situation and public health of the HSE University for the period from 2010 to 2019 to identify the current trends and factors of credit and savings behavior of the Russian households.Practical significance: the main conclusions of the article can be used in scientific and practical activities in the development of financial literacy programs, policies and online products to motivate and encourage credit and savings behavior and attract investment.

scholarly journals Broadband Internet and Income Inequality

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Georges V. Houngbonon ◽  
Julienne Liang
Keyword(s):  
Income Inequality ◽  
Low Income ◽  
Instrumental Variable ◽  
High Speed ◽  
Service Sector ◽  
Internet Access ◽  
Skilled Workers ◽  
Broadband Internet ◽  
Instrumental Variable Estimation ◽  
The Impact

Abstract Digital technologies like the Internet can affect income inequality through increased demand for employment in manual and abstract jobs and reduced demand for employment in routine jobs. In this paper, we combine city-level income distribution and jobs data with broadband data from France to investigate the impact of broadband Internet access on income inequality. Using an instrumental variable estimation strategy, we find that broadband Internet reduces income inequality through increased employment in manual jobs. These effects increase with the availability of skilled workers and are significant in cities with a large service sector or high-speed Internet access. Further, the diffusion of broadband Internet comes with relatively greater benefits in low-income cities compared to high-income cities. Several robustness checks support these findings.

The impact of high speed internet on reproductive behavior in Russia

2020 ◽  
Vol 2020 (6) ◽  
pp. 90-103
Author(s):  
Irina Kalabikhina ◽  
Imiliya Abduselimov ◽  
German Klimenko
Keyword(s):  
Instrumental Variables ◽  
High Speed ◽  
Internet Access ◽  
Reproductive Age ◽  
Higher Vocational Education ◽  
Life Balance ◽  
Broadband Internet ◽  
Fertility Choice ◽  
The Impact ◽  
Positive Effect

The paper examines influence of high-speed (broadband) Internet on fertility choice analyzed Russian panel data based on RLMS-HSE from 2014 to 2018. Using an instrumental variables strategy that exploits variations of broadband Internet access for households we find that determined broadband internet use leads to a positive effect on fertility for women of older reproductive age (from 25 to 49) and birth of second and further child is more affected. We attribute this effect to the ability of teleworking and building a better work-life balance. From our results this mechanism is relevant only for women with secondary and higher vocational education, that are more likely to work in professions with a higher probability of telework.

Study on Road Geometric Alignment Parameters Based on Vehicle Handling Stability Simulation

2013 ◽  
Vol 404 ◽  
pp. 273-279
Author(s):  
Xue Lian Zheng ◽  
Xian Sheng Li ◽  
Cheng Wu Jiao ◽  
Gang Bai ◽  
Yuan Yuan Ren
Keyword(s):  
High Speed ◽  
Degrees Of Freedom ◽  
Negative Influence ◽  
Vehicle Dynamic ◽  
Vehicle Handling ◽  
Horizontal Curves ◽  
Research Achievement ◽  
Vehicle Dynamic Model ◽  
Curve Radius ◽  
The Impact

Unreasonable road geometric alignment has a negative influence on vehicle handling stability, especially when vehicle drives with a high speed. For horizontal road alignment, radius and banking of circular curve are the most popular and important parameters. To investigate the influence of horizontal road alignment on vehicle handling stability, a 3 degrees-of-freedom vehicle dynamic model is established. Three road horizontal curves with different radius are established in Carsim environment to investigate the influence of curve radius on vehicle handling stability and four different banking curve roads are built to study the impact of road banking on vehicle roll stability. The research achievement will provide theoretical basis and technical support for road geometric alignment design.

Improving the Retirement Prospects of Lower-Wage Workers in a Defined-Contribution World

2007 ◽  
Vol 88 (3) ◽  
pp. 453-462 ◽  
Author(s):  
Judith G. Gonyea
Keyword(s):  
Financial Literacy ◽  
Pension Plans ◽  
Individual Responsibility ◽  
Retirement Savings ◽  
Defined Contribution ◽  
Savings Behavior ◽  
Service Workers ◽  
Retirement Security ◽  
Lower Wage ◽  
The Impact

Lower-wage workers have always faced challenges in saving for their retirement years. As U.S. businesses increasingly adopt defined-contribution pension plans and emphasize individual responsibility and choice, what is the impact of this shift on the working poor? Lack of pension coverage is a significant concern because Social Security alone will not assure a comfortable retirement for lower-income workers. Our survey of more than 300 lower-wage service workers revealed that significant predictors of retirement savings behavior included greater financial literacy as well as greater job stability, stronger workforce attachment, and higher income. Employer-sponsored pension plans were the most frequently used savings option. Based on the findings, we explore the potential impacts of the Pension Protection Act of 2006 (PPA) on lower-wage workers' retirement security and propose policy steps to reduce the risk of poverty being recycled into postretirement years.

scholarly journals THE ANALYSIS OF CURRENT TRENDS IN THE INSURANCE SEGMENT OF THE FINANCIAL MARKET OF UKRAINE

2021 ◽  
pp. 130-139
Author(s):  
Yuriy Klapkiv ◽  
Volodymyr Svirskyi ◽  
Roman Shchur
Keyword(s):  
Life Insurance ◽  
Financial Literacy ◽  
Insurance Industry ◽  
Cash Flows ◽  
The State ◽  
Insurance Market ◽  
Insurance Companies ◽  
Insurance Sector ◽  
Current Trends ◽  
The Impact

Purpose. Analysis of the state of the insurance services market of Ukraine, identification of the main problems of its development in modern conditions and determination of directions for improving the functioning of the insurance services market in Ukraine. Methodology of research. The scientific and methodological basis for the article are scientific works, monographs, materials of professional publications, Internet resources. During the research the methods of analysis and synthesis, system-functional method and method of comparative studies were used, with the help of which most modern tendencies, phenomena and processes in the market of insurance services are explained. Findings. The article is devoted to current trends of the insurance in Ukraine. The study examines the main trends in its development during 2016-2020. The dynamics of the number of insurance companies, the main indicators of insurers, the structure of gross and net insurance premiums of domestic insurers, reinsurance indicators are analyzed. Based on a dataset of Ukrainian insurance industry, we analyse the impact of transformation of the insurance sector. Based on the analysis, the main problems of the insurance services market of Ukraine are identified and proposals for improving its development are formulated. The results illustrate major tasks the industry is facing: enhancing the customer experience, improving its business processes, offering new products, and preparing for competition with other industries, imperfection of regulatory regulation of the insurance sector; underdevelopment of the life insurance segment and other types of insurance (agricultural, environmental, catastrophic risks and life insurance, cyber risks); low solvency of potential consumers of insurance services, low level of capitalization of insurance companies, lack of insurance culture, distrust of the insurance institution; fraud and neglect of the rights of policyholders by some insurance companies; low financial literacy of policyholders. Moreover, we identify key areas of change of the insurance services market of Ukraine: creation of a centralized online database of insurance contracts; improving the system of taxation of insurance activity; adaptation of Ukrainian legislation in the field of insurance to EU legislation; introduction of high technologies in insurance services; improvement of marketing management; creation of an export insurance system by establishing a special organization for export insurance and financing; introduction of insurance culture and traditions. Originality. A comprehensive approach to the analysis of the state of the insurance market as an important component of the financial sector of the economy with most of its inherent characteristics, functions and principles; economic space in which institutional units for the implementation of insurance services interact; a set of orderly cash flows between the subjects of the insurance market. Practical value. The results of the study can be the basis for further research to systematically address practical problems in this area, development and implementation of measures aimed to achieve accelerated progressive development of the insurance market to ensure socio-economic growth. Key words: insurance, insurance services, insurance services market.

The Impact of Australia’s Government Policy on Broadband Internet Access

2013 ◽  
Vol 6 (4) ◽  
pp. 18-35 ◽  
Author(s):  
Qiuyan Fan
Keyword(s):  
High Speed ◽  
Internet Access ◽  
Regulatory Competition ◽  
Australian Government ◽  
Broadband Internet ◽  
Telecommunications Sector ◽  
Depth Analysis ◽  
Broadband Network ◽  
The Government ◽  
The Impact

The Australian government has recognised the importance of broadband for their social and economic development. This paper provides an in-depth analysis of the impact of policy issues on broadband Internet access in Australia. This research has clearly indicated that the state of broadband Internet access is closely related to the Government’s policy and regulatory framework. The Government based its actions on market forces as a principal driver for broadband Internet connectivity. The research has indicated that the previous regulatory competition regime, by and large, has failed to address concerns of market dominance and market power in the Telecommunications sector as is evidenced by a relatively lower speed and value of broadband services in Australia. To rectify the situation, the Australian government has recently adopted a unique National Broadband Network (NBN) plan, which is linked to the national digital economy strategy. Australia is the first country in the world where a national broadband network infrastructure company, NBN Co, is regarded as a regulated national infrastructure provider rather than as a telecommunication company. The NBN Co builds and operates an open access, wholesale only and non-discrimination high-speed broadband network, the National Broadband Network (NBN). The Australian Government's goal for the NBN is to reform the telecommunications sector and ensure every home and business across the country has access to the NBN by 2020. This paper examines the policies underlying the NBN and discusses current practices and potential benefits of the NBN.

Public space of the trustworthiness of sociological knowledge: The case of electoral research

2020 ◽  
pp. 13-22
Author(s):  
OLEKSANDR STEGNII
Keyword(s):  
Public Space ◽  
Research Process ◽  
Negative Influence ◽  
Election Campaign ◽  
Sociological Research ◽  
Good Tool ◽  
Sociological Knowledge ◽  
The Public ◽  
Approval Ratings ◽  
The Impact

The paper analyses specific features of sociological data circulation in a public space during an election campaign. The basic components of this kind of space with regard to sociological research are political actors (who put themselves up for the election), voters and agents. The latter refer to professional groups whose corporate interests are directly related to the impact on the election process. Sociologists can also be seen as agents of the electoral process when experts in the field of electoral sociology are becoming intermingled with manipulators without a proper professional background and publications in this field. In a public space where an electoral race is unfolding, empirical sociological research becomes the main form of obtaining sociological knowledge, and it is primarily conducted to measure approval ratings. Electoral research serves as an example of combining the theoretical and empirical components of sociological knowledge, as well as its professional and public dimensions. Provided that sociologists meet all the professional requirements, electoral research can be used as a good tool for evaluating the trustworthiness of results reflecting the people’s expression of will. Being producers of sociological knowledge, sociologists act in two different capacities during an election campaign: as analysts and as pollsters. Therefore, it is essential that the duties and areas of responsibility for professional sociologists should be separated from those of pollsters. Another thing that needs to be noted is the negative influence that political strategists exert on the trustworthiness of survey findings which are going to be released to the public. Using the case of approval ratings as an illustration, the author analyses the most common techniques aimed at misrepresenting and distorting sociological data in the public space. Particular attention is given to the markers that can detect bogus polling companies, systemic violations during the research process and data falsification.

Modeling of Tread Block Contact Mechanics Using Linear Viscoelastic Theory3

2008 ◽  
Vol 36 (3) ◽  
pp. 211-226 ◽  
Author(s):  
F. Liu ◽  
M. P. F. Sutcliffe ◽  
W. R. Graham
Keyword(s):  
High Speed ◽  
Slip Rate ◽  
Material Model ◽  
Contact Forces ◽  
Block Modeling ◽  
Rate Dependent ◽  
Linear Viscoelastic Material ◽  
Linear Viscoelastic ◽  
The Impact ◽  
Good Agreement

Abstract In an effort to understand the dynamic hub forces on road vehicles, an advanced free-rolling tire-model is being developed in which the tread blocks and tire belt are modeled separately. This paper presents the interim results for the tread block modeling. The finite element code ABAQUS/Explicit is used to predict the contact forces on the tread blocks based on a linear viscoelastic material model. Special attention is paid to investigating the forces on the tread blocks during the impact and release motions. A pressure and slip-rate-dependent frictional law is applied in the analysis. A simplified numerical model is also proposed where the tread blocks are discretized into linear viscoelastic spring elements. The results from both models are validated via experiments in a high-speed rolling test rig and found to be in good agreement.

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