scholarly journals BORROWING ALTERNATIVES FOR HOUSEHOLDS IN LITHUANIA: CURRENT SITUATION, TRENDS AND CHALLENGES

2021 ◽  
Vol 19 (02) ◽  
pp. 389-411
Author(s):  
Kamilė Taujanskaitė ◽  
Ieva Karklytė
Keyword(s):  
Statistical Data ◽  
Linear Trend ◽  
Credit Market ◽  
Peer To Peer ◽  
Future Research ◽  
Forecasting Method ◽  
Macroeconomic Indicators ◽  
Trend Forecasting ◽  
Household Borrowing ◽  
Macroeconomic Environment

Purpose – to analyse the main borrowing alternatives available to Lithuanian households and the credit market as a whole, focusing on its peer-to-peer (P2P) segment, the forecast of its growth, and possible challenges. Research methodology – the research methods applied were scientific literature analysis, statistical data analysis, comparative analysis, correlation-regression analysis, linear trend forecasting method. Findings – the prevailing borrowing alternative for Lithuanian households still remain bank credits. Besides, borrowing from P2P market is becoming more and more popular. Although the macroeconomic environment for all the credit market segments is the same, the P2P segment is developing significantly faster. If this trend remains unchanged, the whole credit market is likely to face challenges, such as the growth of overdue loans, insolvent customers, the rising share of non-performing-loans (NPL), etc., that may affect its overall stability. Research limitations – the empirical study relies on the country’s macroeconomic indicators that influence household borrowing. Such factors as borrower’s age, income level, marital status and others were not taken into account in this study. The forecast of the P2P segment growth of the consumer credit market and comparison with its banking segment is based on the analysis of 4 years of real monthly statistics for both segments. Practical implications – the performed analysis and its results can be useful for the future research within the household borrowing trends, especially in Peer-to-Peer platforms, and specifically for the Central Bank, the Ministry of Finance and other institutions that regulate the credit market, as it provides information on modern borrowing trends and the challenges it might bring. Also, for P2P platforms themselves, planning and further developing their activities and adjusting lending conditions with the aim to attract higher-quality customers. Originality/Value – household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions, such as central banks. However, it is mainly limited to the analysis of statistical data and does not pay attention to possible market development issues. This study focuses on the analysis of the growth trends of the P2P market and the potential challenges that may arise thereafter.

A complicated puzzle: spinsters, widows and credit in Sweden (1790–1910)

2021 ◽  
pp. 1-23
Author(s):  
Matteo Pompermaier
Keyword(s):  
Credit Market ◽  
Peer To Peer ◽  
Married Women ◽  
Peer Networks ◽  
Ideal Case ◽  
Peer To Peer Networks ◽  
Two Cities ◽  
Structured Credit ◽  
Research Centres

This article aims to retrace the extent of single women's engagement in the credit market. To this end, it relies on a series of more than 1,900 probate inventories drawn up between 1790 and 1910 in the two Swedish cities of Gävle and Uppsala. These two cities represent an ideal case study, because the process of industrialisation and economic development resulted in two differently structured credit markets. The research centres initially on the problem of studying women's agency from probate inventories. It analyses the main characteristics of spinsters and widows as they emerge from the sources and compares them with married women. Subsequently, the article analyses how marital status shaped women's economic lives, affecting how they participated in the credit market. For this purpose, it focuses specifically on banking and peer-to-peer exchanges (in particular, promissory notes). Spinsters favoured more conservative strategies relying more often on the services provided by banks, while widows seemed to have played an additional, and more significant, role as lenders in peer-to-peer networks. The study also confirms that unmarried women were only rarely active as borrowers.

scholarly journals Going Behind the Scenes at Teacher Colleges: Online Student Knowledge Sharing through Social Network Technologies

10.28945/3863 ◽  
2017 ◽  
Vol 13 ◽  
pp. 167-184 ◽  
Author(s):  
Smadar Bar-Tal ◽  
Christa S. C. Asterhan
Keyword(s):  
Higher Education ◽  
Social Network ◽  
Adult Students ◽  
Knowledge Sharing ◽  
Peer To Peer ◽  
Future Research ◽  
Teaching Staff ◽  
Central Feature ◽  
College Life ◽  
Teacher Colleges

Aim/Purpose: The present study aims to describe existing peer-to-peer, social network-based sharing practices among adult students in teacher colleges. Background: Ubiquitous social network sites open up a wide array of possibilities for peer-to-peer information and knowledge sharing. College instructors are often unaware of such practices that happen behind the scenes. Methodology: An interpretative, qualitative research methodology was used. Thirty-seven Israeli students at a teacher college in Israel participated in either focus group discussions of (N = 29) or in-depth interviews (N = 8). Contribution: Whereas knowledge sharing has been a main focus of research in organizational and information sciences, its relevance to educational settings has thus far been underscored. Recent research shows that peer–to-peer knowledge sharing is wide-spread among teenage students. The current study extends that work to an adult student population. Findings: The findings show that knowledge sharing of this type is a common and even central feature of students’ college life and study behavior. It takes place through a variety of small and larger social network-based peer groups of different formations, including mostly college students but at time also practicing, experienced teachers. Sharing groups are formed on the spot for short term purposes or are stable, continuous over longer time periods. The contents shared are predominantly lesson summaries, material for exams, reading summaries, and lesson plans. They are used immediately or stored for future use, as students have access to vast data bases of stored materials that have been compiled throughout the years by students of previous cohorts. Teacher students mentioned a range of reasons for sharing, and overall regard it very positive. However, some downsides were also acknowledged (i.e., superficial learning, exclusion, attentional overload, and interruptions). Recommendations for Practitioners: College faculty and teaching staff should be cognizant and informed about these widespread peer-based knowledge sharing practices and consider whether perhaps changes in teaching formats and task assignments are required as a result. Future Research: Future research should extend this work to other higher education settings, cultures and countries, and should map the perceptions of higher education teaching staff about peer-to-peer, online knowledge sharing.

scholarly journals Financial leasing as financial and credit support for investment activities of enterprises

2018 ◽  
pp. 59-68
Author(s):  
Tetiana Vasylieva ◽  
Liudmyla Zakharkina ◽  
Oleksii Zakharkin
Keyword(s):  
Comparative Analysis ◽  
Subject Matter ◽  
Statistical Data ◽  
Credit Market ◽  
Legal Regulation ◽  
Financial Leasing ◽  
Current State ◽  
The Subject ◽  
Scientific Rationale

The purpose of the article is to provide scientific rationale of the place and role of financial leasing in financial and credit support for investment activities of enterprises. The subject matter of the research includes various aspects of the current state of financial leasing and ways of its advancement in Ukraine. The article provides an analysis of investment activities based on the volume of investments in Ukraine and determines the role of financial leasing as a funding for investment resources of enterprises. The paper also examines the legal and regulatory framework for financial leasing operations and highlights different interpretations of this form of financing as well as its formal indicators. An analysis of statistical data on the financial and credit market provides important insights into trends of financial leasing contracts and the volume of loans issued to corporate borrowers, and thus makes it possible to conclude that there is a lack of leasing operations in business activities of entities. The point is mainly supported by the fact that financial leasing contracts which have been made lately are not widespread enough after the crisis in 2014. The dynamics of changes in the volume of leasing contracts by dates of signing is considered, and it is found that there is a tendency to shortening the duration of financial leasing services. An industry factor of providing financial leasing services is taken into consideration and the main industries where these services are widespread are described. The existing approaches to evaluating the effectiveness of leasing contracts are systematized. The key challenges that hinder the growth of leasing in Ukraine are identified. The research methods used in the article include: analysis, synthesis and abstraction (for forming the rationale and developing the terminological and conceptual framework of the study); comparison, systematization and logical generalization (for examining the concept of financial leasing, its legal regulation and specific features of using in Ukraine); statistical, structural and comparative analysis (for exploring ways of advancement of financial leasing in Ukraine).

Assistive Technology for Literacy in Students With Physical Disabilities: A Systematic Review

2019 ◽  
Vol 34 (4) ◽  
pp. 284-292
Author(s):  
Donna W. Stauter ◽  
Judy Prehn ◽  
Megan Peters ◽  
Lynn M. Jeffries ◽  
Lorraine Sylvester ◽  
...  
Keyword(s):  
Systematic Review ◽  
Assistive Technology ◽  
Reading Skills ◽  
Statistical Data ◽  
Physical Disabilities ◽  
Review Literature ◽  
Literacy Skills ◽  
Future Research ◽  
Statistical Data Analysis ◽  
Search Terms

The purpose of this study was to systematically review literature on assistive technology (AT) used to develop literacy skills in students with physical disabilities. Primary databases were searched using search terms AT, disability, and literacy. Eight studies were eligible for inclusion. Six studies reported positive change to literacy components with AT support, and two reported a statistically significant change. Evidence offers support for AT in developing reading skills in this population. Future research could include reliable outcome measures, a classification system for participants’ disabilities, increased rigor of research design, and statistical data analysis.

Nursing Classification and Terminology Systems

2003 ◽  
Vol 31 (1) ◽  
pp. 25-42 ◽  
Author(s):  
Evelyn J S Hovenga
Keyword(s):  
Health Care ◽  
Information Systems ◽  
Research And Development ◽  
Nursing Practice ◽  
Statistical Data ◽  
Clinical Information ◽  
Clinical Information Systems ◽  
Future Research ◽  
Historical Overview ◽  
The Many

A number of terminologies exist that represent concepts of relevance to nurses, although none of these is in use by Australian nurses. Without consensus, nursing language and definitions incorporated in clinical information systems now being implemented will continue to vary considerably. The result will be an inability to compare nursing practice, or to aggregate data for research purposes, or to collect national statistical data to demonstrate the significance of nurses' contributions to health care. This article provides an international historical overview of nursing terminology developments relative to what is happening in Australia, brief reviews of the many available nursing terminologies, an update of this work relative to activities being undertaken towards the development and adoption of standards, and a discussion about desirable future research and development activities.

Athletic Maturity and Preferred Leadership

1983 ◽  
Vol 5 (4) ◽  
pp. 371-380 ◽  
Author(s):  
P. Chelladurai ◽  
A.V. Carron
Keyword(s):  
Social Support ◽  
High School ◽  
Linear Trend ◽  
Future Research ◽  
Basketball Players ◽  
Wide Range ◽  
University Level ◽  
The University ◽  
Task Oriented ◽  
Direction Opposite

The purpose of the study was to determine if preferences of athletes for training and instruction (task-oriented) behavior and social support (relationship-oriented) behavior would vary with athletic maturity (operationalized in terms of level of competition). Basketball players from high school midget (n = 67), junior (n = 63), and senior (n = 63) divisions and university (n = 69) completed the “preferred leader behavior” version of the Leadership Scale for Sports. Trend analyses revealed the presence of a quadratic trend in preference for training and instruction which progressively decreased from high school midget, through junior to senior levels and increased at the university level; however, the direction of this trend was opposite to that predicted. A linear trend was obtained for social support which progressively increased from the high school midget level to the university level but, again, it was in a direction opposite than that predicted. It was noted that future research should incorporate both a wide range of competition levels and groups with markedly different levels of success in order to determine the interrelationship between leadership preference and athletic maturity. It was also noted, however, that sport as a social system may not afford athletes an opportunity to achieve athletic maturity.

scholarly journals Diagnostics of the Macroeconomic Environment on the Subject of Generation of Financial Risks

2021 ◽  
Vol 110 ◽  
pp. 01046
Author(s):  
Arthur Panasyuk ◽  
Mikhail Shatokhin ◽  
Maria Bulavina ◽  
Lyubov Dedusheva
Keyword(s):  
Economic System ◽  
Foreign Exchange ◽  
System Development ◽  
Financial Risks ◽  
Money Markets ◽  
Regular Monitoring ◽  
Macroeconomic Indicators ◽  
The Subject ◽  
Basic Characteristics ◽  
Macroeconomic Environment

The study presents the results of diagnosing the macroeconomic environment for the generation of financial risks. The author substantiates the relevance and necessity of regular monitoring of macroeconomic indicators in terms of their impact on the volatility of the probability of systemic financial risks. The paper analyzes the main indicators of the functioning of the credit, foreign exchange, financial, money markets, as well as the basic characteristics of the state of the economic system of Russia. The performed diagnostics of the main indicators of the country’s financial system development makes it possible to form a comprehensive opinion on the intensity of the influence of the macroeconomic environment on the generation of financial risks..

scholarly journals Advising an Appropriate Forecasting Method for a Snacks Item (Biscuit) Manufacture Company in Bangladesh

2018 ◽  
Vol 66 (1) ◽  
pp. 55-58
Author(s):  
Nandita Barman ◽  
M Babul Hasan ◽  
Md Nayan Dhali
Keyword(s):  
Time Series ◽  
Inventory Management ◽  
Linear Trend ◽  
Exponential Smoothing ◽  
Demand And Supply ◽  
Forecasting Methods ◽  
Forecasting Method ◽  
Short Term Forecasting ◽  
Exponential Smoothing Method ◽  
Manufacture Company

In this paper, we study the most appropriate short-term forecasting methods for the newly launched biscuit factory produces different types of biscuits. One of them is nut-orange twisted biscuits. As it is a newly launched biscuit factory, it does not use any scientific method to find future demand of their products to produce for the purpose of sales. Having an error free production as well as a good inventory management we try to find an appropriate forecasting method for the sets of data we analyzed for that specific production. Several forecasting methods of time series forecasting such as the Moving Averages, Linear Regression with Time, Exponential Smoothing, Holt‘s Method, Holt-Winter‘s Method etc. can be applied to estimate the demand and supply for these companies. This paper focuses on selecting an appropriate forecasting technique for the newly launched biscuit company. For this, we analyze Exponential Smoothing method as used to time series. We observe from the empirical results of the analysis that if the data has no trend as well as seasonality, Exponential Smoothing Forecasting Method processes as the most appropriate forecasting method for the factory. If the data experiences linear trend in it then Holt’s Forecasting Method processes as the most appropriate forecasting method for the sets of data we analyzed. Dhaka Univ. J. Sci. 66(1): 55-58, 2018 (January)

scholarly journals Mobile Applications for COVID-19: Benefits, Technologies and Future Research Opportunities

TEM Journal ◽  
2021 ◽  
pp. 1461-1469
Author(s):  
Alem Čolaković ◽  
Amel Kosovac ◽  
Nermin Goran ◽  
Ermin Muharemović ◽  
Ajdin Džananović ◽  
...  
Keyword(s):  
Information And Communication Technologies ◽  
Great Degree ◽  
Mobile Applications ◽  
Multidisciplinary Approach ◽  
Statistical Data ◽  
Communication Technologies ◽  
Mobile Technologies ◽  
Future Research ◽  
Information And Communication ◽  
Health Institutions

The SARS-CoV-2 (COVID-19) pandemic has emerged as one of the greatest problems of the 21st century worldwide. Efforts to fight this pandemic require a global co-operation and a multidisciplinary approach. An application of information and communication technologies (ICT) to a great degree contributes to fighting the pandemic as these technologies are one of the key services that assist patients, researchers, health institutions and other interested parties in different activities in an effort to fight the pandemic and its consequences. The present paper presents the features of certain mobile applications (apps) that are being used for different purposes such as: tracking patients, COVID-19-related warnings, keeping tracks of statistical data, organising life and business, etc. Aside from presenting the features of a certain number of applications, a review of technologies used for the development of these applications will also be presented. Furthermore, the paper addresses certain challenges that come along with the mobile technologies applications and offers suggestions for future research.

scholarly journals Mathematical methods for forecasting the company's financial results

2013 ◽  
pp. 83-95
Author(s):  
Judita Urbonaitė ◽  
Milda Kvekšienė
Keyword(s):  
Linear Trend ◽  
Mathematical Methods ◽  
Theory Analysis ◽  
Sales Revenue ◽  
Forecasting Methods ◽  
Trend Forecasting ◽  
Financial Forecast

Forecasting is essential for the company activities, as it helps to predict company's future results. Forecasting methods theory analysis has showed that the application of mathematical methods are very wide. After the forecasting of sales revenue and profits of „Klaipėda vanduo“ LC. for 2013–2014 has been done, it is possible to claim that forecasting according to parabolic trend is appropriate for forecasting indicators, one the grounds that MAPE index for sales revenue and gross profit indicators has turned out to be very accurate, and for financial forecast - accurate. Linear trend forecasting is also suitable for the sales revenues forecasting due to the similarity of received calculated errors. The results achieved have depicted that according to the linear trend the sales revenues average will be 41,48 million litas in 2013. The average of the sales revenues according to parabolic trend will be 41,56 million litas. In 2014 according to linear trend the sales revenues will reach 41,70 million litas and according to parabolic trend they will reach 41,87 million litas. Gross profit in 2013 is forecasted to be 8,21 million litas and in 2014 – 5,4 million litas. 2013 and 2014 forecasting showed, that company will suffer net losses.  

Sign in / Sign up

Export Citation Format

Share Document