Attitudes to debt among indebted undergraduates: A cross-national exploratory factor analysis

This paper reports the results of a cross-national study spanning England, New Zealand and the United States. A total of 496 first year undergraduates studying business or social science completed a 20-item questionnaire. This focused on their attitudes to their debt incurred while studying, as measured on a five-point Likert scale. A factor analysis model was developed, from which four consistent factors emerged, explaining 45 percent of the variation and consistent between countries. These factors were named: Anxiety, Utility-For-Lifestyle, Utility-For-Investment and Awareness. The first three factors were found to be uncorrelated with each other, but higher Awareness was associated with lower levels of Anxiety and Utility-For-Lifestyle and higher levels of Utility-For-Investment. The relationship with previous studies and implications for theory and practice are discussed.     

It’s about the process,not the result: An fMRI approach to explore the encoding of explicit and implicit price information

This research examines the neurophysiological correlates of consumers’ price memory processes. We focus on the explicit and implicit dimensions of consumers’ price knowledge and use an experimental functional Magnetic Resonance Imaging (fMRI) study to assess how the encoding of task-dependent price memory affects the choice process and neural activation. The findings of our study add to the field of consumer neuroscience by demonstrating how neural correlates of explicit and implicit task-dependent price memory can shed light on processes that guide consumer decision-making. Over the course of our experiment we found that consumers did not always make consistent decisions, but that their decisions were influenced by explicit components of price memory. Implicit price memory components seem to have a more supportive role in the decision-making process. In summary, we found that price memory is a dynamic construct that is influenced by unconscious and neurophysiological processes, and we conclude that a neurophysiological perspective can add value for consumer and marketing research.     

零膨胀计数数据函数型部分变系数模型

在实际数据分析中经常会遇到零膨胀计数数据作为响应变量与函数型随机变量和随机向量作为预测变量相关联。本文考虑函数型部分变系数零膨胀模型 (FPVCZIM),模型中无穷维的斜率函数用函数型主成分基逼近,系数函数用B-样条进行拟合。通过EM 算法得到估计量,讨论其理论性质,在一些正则条件下获得了斜率函数和系数函数估计量的收敛速度。有限样本的Monte Carlo 模拟研究和真实数据分析被用来解释本文提出的方法。     

Consumers’ credit card repayment decisions: The role of higher anchors and future repayment concern

We investigated two aspects of credit card repayment decisions: the extent to which the anchoring effect of minimum repayment information may be mitigated by information on alternative anchors, specifically repayments that would repay the balance in two years (Study 1) or nine months (Study 2); and the role of future repayment concern. In two experiments, three realistic credit card statements were presented with different outstanding balances. Participants, who were randomly allocated to one of four information conditions depending on supplementary information provided on the statements, stated how much they would repay that month. They were then asked about concerns they would have about repayment difficulties if they had a fixed consumer loan over three years. In Study 1 the alternative two-year repayment anchor had a negative effect on percent repayment, whereas in Study 2 the nine-month repayment anchor had a significant positive effect, especially for those with higher future repayment concern. Also, in both studies, future repayment concern had a direct inverse effect on repayment decisions which partially mediated the effect of disposable income. It is concluded that the addition to credit card statements of a table of cost and duration information for a range of repayment amounts may usefully support repayment decisions.     

A Consumer Cooperative Association Specializing in Services for the Elderly

Summary

Over the past 10 years, a Japanese cooperative association named Fukushi Club Seikyo (FCS) has developed a unique, non-profit business specializing in services for the elderly. It aims to promote a reciprocal support system among neighborhood community members. FCS has successively organized its active members, mainly homemakers, into workers' collectives and successfully provided various life support services at a very small charge. Their human-touch service appears in sharp contrast to bureaucratic public services and profit-making private services. The civil initiative presented by FCS suggests a potential for a community-based social service system that may guarantee quality services without raising taxes and premiums for social insurance.     

Developing and Testing a Satisfaction Survey for Nursing Home Residents

Abstract

Input from consumers has become an important part of quality improvement in long-term care and for consumer decision-making. This paper documents the development of the Ohio Nursing Home Resident Satisfaction Survey (ONHRSS) through a partnership of state government, research, and industry experts. The instrument was tested and refined through two waves of data—a pretest phase and later with statewide data. Exploratory and confirmatory analyses with statewide data identified eight primary factors along with an underlying, secondary Global Satisfaction factor. Reliability of the domains ranged from .69 to .95. Recommendations for further refinement and testing of the instrument are discussed along with policy and practice implications.     

Perceptions of efficacy in the use of contemporary film in social work education: An exploratory study

This article discusses the use of contemporary film in social work education, including the theoretical rationale for the inclusion of film from the perspective of narrative and adult learning theory as well as the application of the case method to the use of film. The student viewpoint and perspective is provided through the results of an exploratory research study with 109 Baccalaureate social work students who completed a survey questionnaire following a classroom activity involving a contemporary film. Analysis of the quantitative data and qualitative comments indicates that students believe that film is a beneficial adjunct to textbook and lecture content.     

Analysis of Pre and Posttest Gender Differences in Family Satisfaction of Divorce Mediation Couples

To determine if divorcing spouses experience the family reorganization process through mediation differently, we tested divorcing couples before and after child custody/visitatior mediation, using the Family Satisfaction scale. The pretest family satisfaction scores of husbands as a group were significantly lower than those of the wives (p = .004), but significantly improved after mediation (p = .005). The family satisfaction of wives as a group did not change. Within-couple differences in family satisfaction did not change for either spousal group before and after mediation, an indication that an improvement in the family satisfaction of the husband is not necessarily at the expense of the wife.     

Affirming the “S” in HBSE Through the Socio-Cultural Discourses of Lev Vygotsky,Barbara Myerhoff,Jerome Bruner,and Ken Gergen

Owing largely to the pioneering spirit of Sigmund Freud, social work's understanding of human behavior and development has supported individualist discourses that essentialize the self. Socio-cultural discourses present alternatives that strengthen the intentions of many social workers when they invoke the concept of human behavior in the social environment. In particular, Lev Vygotsky, Barbara Myerhoff, Jerome Bruner, and Ken Gergen offer compelling and salient accounts for genuinely regarding human behavior as embedded, even constituted by, social environments.     

A Note on Functional Forms of Order Statistics

Functional forms of order statistics, as the solution of a system of equations, are studied. The case of the smaller and the larger of two random variables is discussed in detail. Some applications for normal and binomial distributions are presented.