scholarly journals Financial literacy of the region's population and banking risks: a new approach to the analysis of the relationship

Author(s):  
Ekaterina Sushko ◽  
Vasiliy Tarakanov
2017 ◽  
Vol 8 (1) ◽  
pp. 22-48 ◽  
Author(s):  
Iain Mackinnon

This article employs a new approach to studying internal colonialism in northern Scotland during the 18th and 19th centuries. A common approach to examining internal colonial situations within modern state territories is to compare characteristics of the internal colonial situation with attested attributes of external colonial relations. Although this article does not reject the comparative approach, it seeks to avoid criticisms that this approach can be misleading by demonstrating that promoters and managers of projects involving land use change, territorial dispossession and industrial development in the late modern Gàidhealtachd consistently conceived of their work as projects of colonization. It further argues that the new social, cultural and political structures these projects imposed on the area's indigenous population correspond to those found in other colonial situations, and that racist and racialist attitudes towards Gaels of the time are typical of those in colonial situations during the period. The article concludes that the late modern Gàidhealtachd has been a site of internal colonization where the relationship of domination between colonizer and colonized is complex, longstanding and occurring within the imperial state. In doing so it demonstrates that the history and present of the Gaels of Scotland belongs within the ambit of an emerging indigenous research paradigm.


2020 ◽  
Vol 9 (3) ◽  
pp. 26-41
Author(s):  
Colin Agabalinda ◽  
Alain Vilard Ndi Isoh

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.


Atmosphere ◽  
2020 ◽  
Vol 12 (1) ◽  
pp. 12
Author(s):  
Yulia Ivanova ◽  
Anton Kovalev ◽  
Vlad Soukhovolsky

The paper considers a new approach to modeling the relationship between the increase in woody phytomass in the pine forest and satellite-derived Normalized Difference Vegetation Index (NDVI) and Land Surface Temperature (LST) (MODIS/AQUA) data. The developed model combines the phenological and forest growth processes. For the analysis, NDVI and LST (MODIS) satellite data were used together with the measurements of tree-ring widths (TRW). NDVI data contain features of each growing season. The models include parameters of parabolic approximation of NDVI and LST time series transformed using principal component analysis. The study shows that the current rate of TRW is determined by the total values of principal components of the satellite indices over the season and the rate of tree increment in the preceding year.


Author(s):  
Talat Körpınar ◽  
Yasin Ünlütürk

AbstractIn this research, we study bienergy and biangles of moving particles lying on the surface of Lorentzian 3-space by using their energy and angle values. We present the geometrical characterization of bienergy of the particle in Darboux vector fields depending on surface. We also give the relationship between bienergy of the surface curve and bienergy of the elastic surface curve. We conclude the paper by providing bienergy-curve graphics for different cases.


2015 ◽  
Vol 808 ◽  
pp. 359-363
Author(s):  
Cristina Feniser ◽  
Florin Lungu

So far little attention has been given the differences or the compatibilities between CSR and innovation. Few works treats CSR in combination with innovation. What exactly is the relationship between CSR and innovation? Recent phenomena such as open innovation is based on the concept that the stakeholder's dialogue that overlaps with some dimensions of CSR. Being innovative means to bring organizational and technical improvements which will translate into a better position in the market. These improvements don't just aim the product, but the process by which it is obtained and its whole life-cycle. We're talking about a new approach to innovation, namely its orientation towards sustainability. Although SMEs have many features which facilitate implementation of CSR, activities of this type in such organizations are still limited. SMEs managers often make choices that are related to rational management. This leads to divergence between economical and social goals. Through a qualitative exploration of the concepts of CSR and innovation, we wanted to find out from some managers whether there is a link between innovation and CSR in SMEs and whether the activities corresponding to the two concepts overlap in a certain measure.


2014 ◽  
Vol 21 (3) ◽  
pp. 368-384 ◽  
Author(s):  
Lidija Breznik ◽  
Robert D. Hisrich

Purpose – The purpose of this paper is to provide insights into the relationship between dynamic capabilities and innovation capabilities. It links dynamic capability with innovation capability and indicates the ways they can be related. Design/methodology/approach – The relationships between dynamic and innovation capability were investigated through a systematic literature review. Findings – The review indicates that common characteristics exist between of the both fields, which demonstrate six relationships. Additionally, findings show some inconsistencies and even contradictions. Originality/value – In this paper, the authors have compared dynamic capabilities, a relatively new approach in the field of strategic management, with innovation capabilities, a widely recognised crucial domain for sustained competitiveness. Since both areas address issues that are essential to today's environment, future research should seek to clarify both concepts, by undertaking some new research and developing comprehensive and unambiguous framework.


2021 ◽  
Vol 12 (3) ◽  
pp. 103
Author(s):  
Jasmina Okicic ◽  
Meldina Kokorovic Jukan ◽  
Mensur Heric

The purpose of this research is to provide some insights into financial literacy among undergraduate students focusing primarily on the relationship between financial knowledge, financial attitudes and financial behavior and on possible gender and financial education gap in financial literacy. Using the purposive sampling technique, data collection was carried out from April to June 2020, yielding a sample of 1,046 valid responses. To gain a better understanding of the relationship between financial behaviour, financial attitudes and financial knowledge, we, primarily, use exploratory factor analysis and multiple regression model. The research findings have revealed several important issues. First, findings have suggested that financial knowledge, financial attitudes and gender may be considered as an antecedent of the financial behaviour of undergraduate students. Second, findings have also suggested a statistically - significant difference between the financial literacy of undergraduate students concerning their exposure to formal financial education.


2017 ◽  
Vol 22 (2) ◽  
pp. 94-102
Author(s):  
Zsolt Haig ◽  
Veronika Hajdu

Abstract In this paper the authors introduce the cognitive dimension that is becoming more and more important in the field of information operations with special regard to psychological operations (PSYOPS). The strengthening role of influencing skills and technological progress has created new avenues and opportunities in the military field. The paper seeks to point out the relationship between marketing and PSYOPS. In connection with this, the study intends to present a new approach to PSYOPS that can achieve the operational goals which set by the leader by applying guerrilla marketing tools and methods.


2019 ◽  
Vol 3 (1) ◽  
pp. 186-192
Author(s):  
Amram Rohi Bire ◽  
Heni Matelda Sauw ◽  
Maria

The current study aimed to describe the influence of financial literacy on financial inclusion that mediated by financial training. It focused on Micro, Small, and Medium Enterprises (MSMEs). Respondents in the study were 54 respondents that were taken from 119 MSMEs in Kupang city, Indonesia. The analysis applied path analysis technique. It was to determine the direct or indirect relationship with SPSS Version 20. Analysis results have shown that financial literacy has got a direct and significant impact on financial inclusion. Its contribution to financial training is 33%. In the other side, the contribution of financial literacy towards inclusion is 32%.  Furthermore, financial training has mediated the relationship between financial literacy and financial inclusion. The presentation is 11%. This phenomenon shows that in the future, it is necessary to increase the frequency of financial training for MSMEs actors in Kupang city, Indonesia. The training has to be conducted to increase financial inclusion in understanding the knowledge of the financial product. Since the current study only examined financial literacy, financial inclusion, and financial training, it is suggested that the future researches may examine other aspects such as transparency, accountability, and quality of financial statements.


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