Conceptualizing and Measuring Financial Resilience: A Multidimensional Framework

Financial inclusion has become a policy priority. For many countries, this has meant focusing on the delivery and practical aspects of financial products and services. This paper argues that this approach is not sufficient to improve financial wellbeing more broadly. It suggests a more comprehensive approach moving away from asking whether people are excluded or not to asking whether they have access to accessible, acceptable and appropriate resources and supports in adverse financial circumstances. A better understanding of individuals’ financial resilience: how they bounce back from adverse financial events and the resources and supports they draw on; could help determine where resources can and should be invested to assist people to cope with financial adversity, assist the development of effective policy and, ultimately, improve financial wellbeing. This paper puts forward a definition of financial resilience and a methodology for measuring it. Australia is used as a case country from which to draw conclusions using a survey of 1496 representative adults (18+). The findings indicate that over 2 million Australian adults experienced severe or high levels of financial vulnerability raising very real concerns about financial wellbeing. Implications for academics and policy makers are presented.

     

Fostering Environmental Integration in Public Aid: Influence of Interactions Between Environmental NGOs and Aid Donors

In order to ensure sustainable development, aid donors need to improve the environmental effectiveness of their whole activity. This improvement seems to be influenced by their interactions with environmental NGOs (ENGOs). Faced with a diversity of interactions between these two kinds of actors, a strategic typology is proposed here to describe this multiplicity and, by doing so, to consider their environmental impact. Four relational postures have been identified: (i) external advocacy and (ii) the cooperation–criticism focus on the antagonistic link that exists between environment and development; (iii) environmental collaboration, and (iv) service provision, which focus on synergies that can exist between environment protection and development issues. Win–win solutions need to be continuously sought and enhanced. However, ENGOs and donors are called to recognize the necessity of maintaining a critical position in actors’ interactions vis-à-vis the implementation of development activities that are detrimental for the environment.     

Review of Chinese sex attitudes & applicability of sex therapy for Chinese couples with sexual dysfunction

Although sex therapy techniques have widely been used to help Western couples with sexual dysfunction, there has been little research on the applicability of these techniques among Chinese couples. This article discusses the Chinese views and concepts of sex and sexual dysfunction in the past and present, culturally bound sexual problems, and gender role stereotypes. We suggest that with careful integration of the therapeutic techniques with Chinese sex concepts, sex therapy can be applied to Chinese couples experiencing problems in sexual functioning.     

The choice among past trends as a basis for the prediction of future trends in old-age mortality

We explored the extent to which projections of future old-age mortality trends differ when different projection bases are used. For seven European countries, four alternative sets of annual rates of mortality change were estimated with age–period log-linear regression models, and subsequently applied to age-specific all-cause mortality rates (80+) in 1999 to predict mortality levels up to 2050. On average, up to 2050, e80 is predicted to increase further by 2.33 years among men and 4.03 years among women. Choosing a historical period of 25 instead of 50 years results in higher predicted gains in e80 for men but lower gains for women. Choosing non-smoking-related mortality instead of all-cause mortality leads to higher gains for women and mixed results for men. In all alternatives there is a strong divergence of predicted mortality levels between the countries. Future projections should be preceded by a thorough study of past trends and their determinants.     

The densest <Emphasis Type="Italic">k</Emphasis>-subgraph problem on clique graphs

The Densest k-Subgraph (DkS) problem asks for a k-vertex subgraph of a given graph with the maximum number of edges. The problem is strongly NP-hard, as a generalization of the well known Clique problem and we also know that it does not admit a Polynomial Time Approximation Scheme (PTAS). In this paper we focus on special cases of the problem, with respect to the class of the input graph. Especially, towards the elucidation of the open questions concerning the complexity of the problem for interval graphs as well as its approximability for chordal graphs, we consider graphs having special clique graphs. We present a PTAS for stars of cliques and a dynamic programming algorithm for trees of cliques. M.L. is co-financed within Op. Education by the ESF (European Social Fund) and National Resources. V.Z. is partially supported by the Special Research Grants Account of the University of Athens under Grant 70/4/5821.     

VIOLENCE OR DISCIPLINE? WORKING WITH MULTICULTURAL COURT-ORDERED CLIENTS

Therapists working with court-ordered clients from cultures differing from the mainstream face challenging issues of compulsory therapy in the context of cultural diversity. This article reviews the literature on court-ordered and multicultural counseling, highlighting central elements of both. It then suggests guidelines that blend these elements. The author illustrates how using these guidelines can enable therapists to engage these clients in the therapeutic process and focus on culture as the context for change.     

Sensitivity Analysis for Critical Control Points Determination and Uncertainty Analysis to Link FSO and Process Criteria: Application to Listeria monocytogenes in Soft Cheese Made from Pasteurized Milk

Microbiological food safety is an important economic and health issue in the context of globalization and presents food business operators with new challenges in providing safe foods. The hazard analysis and critical control point approach involve identifying the main steps in food processing and the physical and chemical parameters that have an impact on the safety of foods. In the risk‐based approach, as defined in the Codex Alimentarius, controlling these parameters in such a way that the final products meet a food safety objective (FSO), fixed by the competent authorities, is a big challenge and of great interest to the food business operators. Process risk models, issued from the quantitative microbiological risk assessment framework, provide useful tools in this respect. We propose a methodology, called multivariate factor mapping (MFM), for establishing a link between process parameters and compliance with a FSO. For a stochastic and dynamic process risk model of in soft cheese made from pasteurized milk with many uncertain inputs, multivariate sensitivity analysis and MFM are combined to (i) identify the critical control points (CCPs) for throughout the food chain and (ii) compute the critical limits of the most influential process parameters, located at the CCPs, with regard to the specific process implemented in the model. Due to certain forms of interaction among parameters, the results show some new possibilities for the management of microbiological hazards when a FSO is specified.     

Finding your way into employment against all odds? Successful job search of refugees in Austria

Labour market entry poses enormous challenges for recently arrived refugees, ranging from language barriers, devaluation of human capital, unfamiliarity with customs of the job search process to outright discrimination. How can refugees overcome these challenges and quickly enter gainful employment? In this paper, we draw on interviews with 26 male and female refugees from Syria, Afghanistan, Iraq and Iran, conducted in 2017 and 2018, who came to Austria in 2015 and 2014 and who have successfully entered employment. We depict refugees’ own perspectives on and strategies for fast job entry and integration. Personal agency and a proactive approach of seeking and seizing opportunities are key for overcoming initial barriers and entering upon positive integration pathways. At the same time, refugees’ personal agency is essential for establishing social ties to the host society, which also play a crucial role in early labour market integration. Finally, institutions of the Austrian labour market (the ‘apprenticeship’-system) interact with refugees’ agency in most intricate ways, both setting up nearly insurmountable barriers but also providing specific opportunities for refugees.     

How do actors shape social networks during the process of new product development?

Recent studies on new-idea generation and development have highlighted the role played by network structure in the genesis of new combinations or the process of selecting ideas. However, less attention has been paid to the factors that entice actors to shape social networks during the process of the development of new ideas.This research was conducted in an R&D facility of a semi-conductor company. We analysed the generation of five creative projects and their development over a four-year period. We used a longitudinal approach and collected data through interviews and observations to identify the creative contributions and the actors who were involved at different time periods for each project. We mapped the relationships between actors who contributed to the development of each idea through creative thinking and/or helped it to become accepted both internally and externally over three-year windows. This method generated data on network evolution.We also carried out a qualitative analysis and identified four main factors explaining why actors turn to others during the idea-development process: (1) to gain access to information; (2) to enhance credibility; (3) to exercise one’s influence; and (4) to gain access to knowledge through people or objects. We demonstrate that different types of ties or network structures are relied upon to reap different kinds of benefits. This may partially explain network evolution as an idea progresses through different development stages.