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Enterprise skills and enterprise learning
In: Foresight, Band 6, Heft 2, S. 104-109
In an era marked by profound technological change young people must prepare for a future in which rapid innovation is accompanied by the passing of traditional social norms such as career paths and job security. This calls for a level of self‐reliance, self‐determination and preparedness for life‐long learning not required in previous generations. Traditional measures of academic success overlook the broader skill set that is needed for success in the new environment. Emotional intelligence and enterprise skills now form part of a fundamental skill set which has not been given prominence in a traditional school curriculum designed towards a job outcome. Young people need not be victims of change. Parents, educators and entrepreneurial role models in the wider community can all play a role in preparing young people for a life of purpose in which they are aware of and can draw on their talents and abilities.
The only child1: A study of one hundred only children living at home with both parents, referred, to a child guidance clinic
In: Smith College studies in social work, Band 1, Heft 1, S. 41-65
ISSN: 1553-0426
Socio-economic framework for the design of national household insolvency systems
In: Socio-economic review, Band 21, Heft 3, S. 1473-1499
ISSN: 1475-147X
Abstract
Lessons learned in the aftermath of the Financial Crisis of 2008 include that long, punitive household insolvency regimes have a negative societal impact, increase the potential for financial instability and hamper national economic recovery. We propose the Socio-Economic Framework for Household Insolvency System Design as a regulatory mechanism that aims to control national household debt and productivity levels. The system facilitates an informal resolution of the conflict between over-indebted households and their creditors. When this is not possible, the system grants immediate relief to no-income, no-assets and 'honest' households, that experienced over-indebtedness because of an external negative shock, such as a medical emergency. Finally, when the household does not qualify for immediate relief, the system allocates the costs of insolvency between the household and creditors, based on responsibility for the over-indebtedness. This reduces the moral hazard.
The Effect of Bundling Trade Association Monitoring and Female Board Representation on Loan Losses in Community Credit Unions
In: Nonprofit and voluntary sector quarterly: journal of the Association for Research on Nonprofit Organizations and Voluntary Action, Band 50, Heft 6, S. 1193-1215
ISSN: 1552-7395
Loan book management is important to community credit union survival, particularly in deprived localities. Consistent with agency theory, prior studies of credit unions report an association among individual monitoring mechanisms, trade association monitoring, and female board representation, respectively, and reduced loan losses. This study provides a more nuanced understanding by investigating the moderating influence of these monitoring mechanisms on the relationship between loan losses and deprivation and by considering the effect of bundle combinations of different levels of the two monitoring mechanisms on loan losses. The results reveal that credit unions subject to trade association monitoring have the lowest loan losses. However, in the absence of trade association monitoring, female board representation has a moderating effect on loan losses as deprivation increases. Finally, trade association monitoring and female board representation have a substitutive, rather than a complementary effect on loan losses.
Management Models and Priorities in Member Associations: Is Credit Unions' Community Involvement Crowded-Out?
In: Nonprofit and voluntary sector quarterly, Band 43, Heft 2
ISSN: 0899-7640
Management Models and Priorities in Member Associations: Is Credit Unions' Community Involvement Crowded-Out?
In: Nonprofit and voluntary sector quarterly: journal of the Association for Research on Nonprofit Organizations and Voluntary Action, Band 43, Heft 2_suppl, S. 105S-123S
ISSN: 1552-7395
Credit unions are membership-based cooperative financial services organizations that are run by and for their members. Historically, credit unions provided financial services for their members and encouraged community development through philanthropy and volunteering. The World Council of Credit Unions (WOCCU), the sector's global trade association and development agency, encourages the adoption of a management model, coined "new model," which encourages for-profit financial management practices. The "new model" approach is challenged by some practitioners and academics concerned that it will diminish the community involvement of credit unions. We explore the following research question: "Does the implementation of a management model that promotes for-profit-style financial management crowd out the community impact of credit unions?" We use a dataset extracted from 2,275 annual returns for 188 credit unions spanning 1996-2008, and find no evidence that community impact diminishes as a result of "new model" operating practices, suggesting a crowding-out effect is absent.
Flexible working in the public sector – a case of inflexibility: senior managers' experiences
In: Employee relations, Band 44, Heft 6, S. 1273-1289
ISSN: 1758-7069
PurposeThe public sector is often considered the vanguard in terms of the availability and promotion of flexible working arrangements (FWAs). Despite this, little is known about how senior managers in the public sector engage with FWAs. This paper aims to address this gap, reporting on a number of issues, including the reality of FWAs, the existence of a flexibility stigma and whether this is gendered, and the drivers influencing the uptake of FWAs.Design/methodology/approachTheoretical insights of flexibility stigma from the literature and data from semi-structured interviews with senior managers in the Northern Ireland Civil Service explore the realities of FWAs at this level.FindingsThe findings indicate a decoupling between the rhetoric and reality of FWAs, with few senior managers availing of such arrangements. The authors also identify a complex web of issues that constrain senior managers' agency in shaping a positive culture of FWAs at senior management level in the Civil Service, including an inherent resistance to flexibility, a lack of visible role models and negative perceptions around progression. The findings also indicate deeply held perceptions among senior males and females that availing of FWAs is associated with a flexibility stigma. These perceptions were confirmed by the small number of senior females with caring responsibilities who were availing of FWAs.Research limitations/implicationsThe paper provides senior managers and human resource practitioners with insights into the difficulties associated with wide-scale FWA availability and use at senior levels of the Civil Service.Originality/valueThe findings of the study offer valuable insights into the experience of senior managers in the public sector as they engage with FWAs. The study, therefore, contributes to the limited literature in this area.
The Development of Credit Unions and Their Role in Tackling Financial Exclusion
In: Public money & management: integrating theory and practice in public management, Band 27, Heft 1, S. 37-44
ISSN: 0954-0962
Credit unions in Great Britain: recent trends and current prospects
In: Public money & management: integrating theory and practice in public management, Band 31, Heft 1, S. 35-42
ISSN: 1467-9302
The Development of Credit Unions and Their Role in Tackling Financial Exclusion
In: Public money & management: integrating theory and practice in public management, Band 27, Heft 1, S. 37-44
ISSN: 1467-9302