Suchergebnisse

This study explored the effects of financial literacy and financial behavior on the financial well-being of 360 academic personnel of Higher Education Institutions (HEIs) in Region 1, Philippines. Data were gathered from August 2020 to March 2021 using a self-administered survey questionnaire instrument. This was used to assess the respondents' financial well-being, literacy, and financial behavior, and Pearson's r was used to test the relationships among the variables. It was found that most of the teachers generally experience moderate financial security rather than financial stress. They were assessed with excellent scores on their financial literacy and most were found to have good financial behavior. It was determined that their financial behavior affected their financial well-being. On the other hand, their financial literacy did not significantly affect their financial well-being. Hence, this study recommends that a financial wellness program tailored for the respondents should focus more on behavior-changing financial coaching rather than financial concepts learning.

This paper analyzes the effects of increased trade and investment on population growth and the quality of life in the U.S. and Mexican border regions. The analysis on quality of life changes is based on 1990 and 2000 U.S. and Mexican census data. Quality of life is measured by a Border Human Development Index. We find that increased trade and investment has had a major impact on population growth and migration, especially in the Mexican border communities. With respect to changes in the quality of life, there is evidence of improvement on both sides of the border, but only the gains on the Mexican side appear to be linked to trade and investment. The evidence indicates that the increased U.S.-Mexican trade and investment has affected the border communities on the Mexican side of the border more so than those on the U.S. side.

Computer generated virtual influencers are currently one of the most important brand
communication trends driven by artificial intelligence. While numerous studies on human
social media influencers already exist, the field of virtual influencers is still largely
unexplored, which is especially true regarding their impact on consumer perceptions.
Against this background, the aim of this study is to empirically investigate consumer
perceptions of virtual influencers in comparison to traditional social media influencers.
We conduct an exploratory experiment to test the effect of virtual and human influencers
on credibility, competence, likability, and purchase intentions. The results show no
significant differences between virtual and human influencers, except for the variable
likeability. Implications for management and future research are discussed.

The purpose of this study was to determine the moderating effect of self-regulation on the relationship between public service motivation and well-being of Philippine National Police Personnel among the three major cities in DavaoProvince situated at Region XI. A validated questionnaire was used in gathering the data from the 400 police personnel in the region. Correlational research design was employed using hierarchical regression and modgraph. The result of this study revealed that self-regulation has no significant moderating effect on the relationship between public service motivation and well-being of police personnel involved in this study. Police personnel who have higher and lower level of self-regulation demonstrated the same degree of well-being as being influenced by public service motivation. Although the significant moderating effect of self-regulation on the relationship between public service motivation and well-being was not proven, result revealed that separately public service motivation and self-regulation are important contributors to well-being.

This study provides an overview of the current procedures and practices regarding the detection, identification and protection of victims of trafficking in human beings from third-countries in Luxembourg. Since 2016, Luxembourg saw a number of significant developments with regard to legislation, institutional and policy reforms, as well as debates and awareness campaigns related to the detection, identification, and protection of (presumed) third-country national victims of trafficking in human beings. These include, among others, several legislative developments strengthening procedural safeguards and the fight against certain forms of exploitation; the establishment of a National Action Plan on 'Trafficking in Human Beings' (including a confidential roadmap for relevant stakeholders in the field) and a National Action Plan on 'Prostitution' (which also relates to trafficking in human beings); an enhanced cooperation on the Benelux level; the creation of the Search for Fugitives and Victim Protection Unit of the Judicial Police (including reinforcement in 2021); the appointment of contact person for the fight against trafficking in human beings at the Directorate of Immigration and a 'trafficking' reference person in each of its departments; the reinforcement of the support for victims of trafficking (including the establishment of a common space ('INFOTRAITE') for the two approved assistance services SAVTEH and COTEH); an increase and broadening of the basic and specialised training for various stakeholders; and the organisation of information and awareness raising campaigns. At the same time, the national referral mechanism in Luxembourg has remained the same since its establishment: all stakeholders who detect a (presumed) third-country national victim of trafficking in human beings are obliged to refer cases to the Organised Crime Unit and the Search for Fugitives and Victim Protection Unit of the Judicial Police. Only the Judicial police can formally identify a victim of trafficking and notify the Directorate of Immigration of the Ministry of Foreign and European Affairs in view of issuing a reflection period of 90 days to the third-country national. Before the expiration of the reflection period, the Directorate of Immigration consults with the Police in order to determine whether a residence permit for victims of trafficking in human beings may be issued to the third-country national. For all the details, including challenges and good practices in the area of detecting, identifying, and protecting victims of trafficking in human beings in Luxembourg, have a look at the EMN Luxembourg Study.

Itoba Tombo EF, Thomas A & Stam E. The effects of human activities on water quality of the Bottelary River, Cape Town, South Africa, JICSTDA: A Joint International Conference on Science and Technology for Development in Africa, Cape Town, 26-28 June 2012 ; Freshwater scarcity and river pollution has become a serious challenge for governments and scientists. Worldwide, governments have a responsibility to provide their populations with clean water for their domestic needs. Scientists have an enormous task to find a way to purify polluted water, because of its vital role in human lives and an increasing demand for water consumption due to population growth. Although the water from the Bottelary River is used on a daily basis for farming activities, its pollution level as well as spatial distribution of effluents in the catchment is unknown. In the present study, monthly water samples from six sampling points were taken for laboratory analysis. The laboratory determined concentrations of phosphorous, chloride, nitrate, and nitrate nitrogen (NO3-N), as well as the chemical oxygen demand (COD) and suspended solids. While, pH, dissolved oxygen, electrical conductivity and temperature were measured in-situ using a multi-parameter reader. The results were then compared with the South African Water Quality Guidelines for Aquatic Ecosystems and for irrigation (DWAF, 1996a,1996c). The findings of the study revealed that the concentration levels of some compounds are below the Target Water Quality Range (TWQR) set by the Department of Water Affairs and Forestry (DWAF, 1996a, 1996b, 1996c) while, the concentrations of chloride, total nitrogen and water quality variables such as electrical conductivity, suspended solids, are higher than the TWQR (DWAF, 1996a, 1996b, 1996c). Based on the above findings water of the Bottelary River can have negative effects on the environment and human lives because of the level of these compounds. It was therefore recommended that environmentally friendly measures and practices must be undertaken in order to decrease the pollution and avoid further pollution of the river.