scholarly journals A Review of the Psychological Factors Affecting the Acquisition and Outcomes of Credit

2021 ◽  
Author(s):  
Jacob Turton ◽  
Adam Gill ◽  
Paul Harrald ◽  
Eleanor Demuth

Since their introduction in the 1980s, credit scores have been the dominant method used to assess the creditworthiness of individuals. However, they rely heavily on situational factors which may lead to good long term borrowers being denied due to unfortunate recent circumstances. Instead, there is emerging evidence that a number of psychological factors including personality traits, attitudes and behaviours play an important role in the acquisition and outcomes of credit. Taking account of these factors may provide a better picture of the long term creditworthiness of individuals, despite their current circumstances. This review paper takes the important step of collating the latest research on the psychological factors involved throughout the credit process from acquisition to financial outcomes. It highlights the multifaceted nature of personal credit use with the various inextricably linked personality, attitudinal and behavioural factors involved

Author(s):  
Юлия Владимировна Татаркова ◽  
Татьяна Николаевна Петрова ◽  
Олег Валериевич Судаков ◽  
Александр Юрьевич Гончаров ◽  
Ольга Николаевна Крюкова

В настоящей статье представлен обзор основных решений, доступных сегодня для формирования как краткосрочных, так и долгосрочных проекций заболеваемости болезней глаза и его придаточного аппарата в студенческой среде. С другой стороны, существует ряд проблем, связанных с многообразием факторов, влияющих на заболеваемость, статистической необоснованностью и противоречивостью имеющихся результатов анализа данных. Представлены результаты математического моделирования зависимости показателя заболеваемости от наиболее влиятельных факторов образовательной и социальной среды. Перечислены важнейшие направления разработки математических моделей распространения заболеваемости. С помощью разработанного программного комплекса проведена серия вычислительных экспериментов по оценке и прогнозированию заболеваемости обучающихся в вузах разного профиля. Показана эффективность применения методики многовариантного моделирования и прогнозирования, указаны их ограничения и возможности практического применения. По расположению обобщенной области благоприятного прогноза в факторном пространстве можно определить время воздействия неблагоприятных для зрения факторов, которое должно составлять не более 10 ... 11 часов в сутки, количество профилактических мероприятий должно составлять не менее 3 ... 4. При этом риск развития миопии составит не более 0,4, вероятность усталости глаз за компьютером составит не более 0,4, вероятность дискомфорта глаз на занятиях составит не более 0,15. Исходя из характера прогноза, определяется длительность диспансерного наблюдения, а также потребность профилактических мероприятий по устранению или ослаблению действия неблагоприятно влияющих социально-гигиенических и медико-биологических факторов конкретного больного. Использование прогностической матрицы в практическом здравоохранении позволяет существенно улучшить работу по профилактике офтальмологической заболеваемости и является одним из эффективных мероприятий диспансеризации студенческой молодежи, так как дает возможность выделить из числа обучающихся группу с высоким риском неблагоприятного исхода заболевания This article provides an overview of the main solutions available today for the formation of both short-term and long-term projections of the incidence of eye diseases and its adnexa in the student environment. On the other hand, there are a number of problems associated with a variety of factors affecting the incidence, statistical unreasonability and inconsistency of the available data analysis results. The results of mathematical modeling of the dependence of the incidence rate on the most influential factors of the educational and social environment are presented. The most important areas of developing mathematical models for the spread of morbidity are listed. With the help of the developed software package, a series of computational experiments was carried out to assess and predict the incidence of students in universities of various profiles. The effectiveness of the application of multivariate modeling and forecasting methods is shown, their limitations and practical application possibilities are indicated. By the location of the generalized region of favorable prognosis in the factor space, it is possible to determine the exposure time of factors unfavorable for vision, which should be no more than 10 ... 11 hours a day, the number of preventive measures should be at least 3 ... 4. At the same time, the risk of development myopia will be no more than 0.4, the probability of eye fatigue at the computer will be no more than 0.4, the likelihood of eye discomfort in the classroom will be no more than 0.15. Based on the nature of the forecast, the duration of the follow-up observation is determined, as well as the need for preventive measures to eliminate or weaken the action of adverse social, hygienic and biomedical factors of a particular patient. The use of the prognostic matrix in practical health care can significantly improve the work on the prevention of ophthalmic morbidity and is one of the effective medical examinations for students, since it makes it possible to distinguish among the students a group with a high risk of an unfavorable outcome of the disease


2020 ◽  
Vol 30 (Supplement_5) ◽  
Author(s):  
M Poldrugovac ◽  
J E Amuah ◽  
H Wei-Randall ◽  
P Sidhom ◽  
K Morris ◽  
...  

Abstract Background Evidence of the impact of public reporting of healthcare performance on quality improvement is not yet sufficient to draw conclusions with certainty, despite the important policy implications. This study explored the impact of implementing public reporting of performance indicators of long-term care facilities in Canada. The objective was to analyse whether improvements can be observed in performance measures after publication. Methods We considered 16 performance indicators in long-term care in Canada, 8 of which are publicly reported at a facility level, while the other 8 are privately reported. We analysed data from the Continuing Care Reporting System managed by the Canadian Institute for Health Information and based on information collection with RAI-MDS 2.0 © between the fiscal years 2011 and 2018. A multilevel model was developed to analyse time trends, before and after publication, which started in 2015. The analysis was also stratified by key sample characteristics, such as the facilities' jurisdiction, size, urban or rural location and performance prior to publication. Results Data from 1087 long-term care facilities were included. Among the 8 publicly reported indicators, the trend in the period after publication did not change significantly in 5 cases, improved in 2 cases and worsened in 1 case. Among the 8 privately reported indicators, no change was observed in 7, and worsening in 1 indicator. The stratification of the data suggests that for those indicators that were already improving prior to public reporting, there was either no change in trend or there was a decrease in the rate of improvement after publication. For those indicators that showed a worsening trend prior to public reporting, the contrary was observed. Conclusions Our findings suggest public reporting of performance data can support change. The trends of performance indicators prior to publication appear to have an impact on whether further change will occur after publication. Key messages Public reporting is likely one of the factors affecting change in performance in long-term care facilities. Public reporting of performance measures in long-term care facilities may support improvements in particular in cases where improvement was not observed before publication.


2021 ◽  
Vol 13 (8) ◽  
pp. 4113
Author(s):  
Valeria Superti ◽  
Cynthia Houmani ◽  
Ralph Hansmann ◽  
Ivo Baur ◽  
Claudia R. Binder

With increasing urbanisation, new approaches such as the Circular Economy (CE) are needed to reduce resource consumption. In Switzerland, Construction & Demolition (C&D) waste accounts for the largest portion of waste (84%). Beyond limiting the depletion of primary resources, implementing recycling strategies for C&D waste (such as using recycled aggregates to produce recycled concrete (RC)), can also decrease the amount of landfilled C&D waste. The use of RC still faces adoption barriers. In this research, we examined the factors driving the adoption of recycled products for a CE in the C&D sector by focusing on RC for structural applications. We developed a behavioural framework to understand the determinants of architects’ decisions to recommend RC. We collected and analysed survey data from 727 respondents. The analyses focused on architects’ a priori beliefs about RC, behavioural factors affecting their recommendations of RC, and project-specific contextual factors that might play a role in the recommendation of RC. Our results show that the factors that mainly facilitate the recommendation of RC by architects are: a senior position, a high level of RC knowledge and of the Minergie label, beliefs about the reduced environmental impact of RC, as well as favourable prescriptive social norms expressed by clients and other architects. We emphasise the importance of a holistic theoretical framework in approaching decision-making processes related to the adoption of innovation, and the importance of the agency of each involved actor for a transition towards a circular construction sector.


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