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The Financial Resilience and Life Satisfaction Nexus of Indigenous Australians* 澳大利亚土著居民的财务弹性和生活满意度关系*
IF 0.9
Economic Papers Pub Date : 2020-09-12 DOI: 10.1111/1759-3441.12296
Maneka Jayasinghe, Eliyathamby A. Selvanathan, Saroja Selvanathan
{"title":"The Financial Resilience and Life Satisfaction Nexus of Indigenous Australians*","authors":"Maneka Jayasinghe,&nbsp;Eliyathamby A. Selvanathan,&nbsp;Saroja Selvanathan","doi":"10.1111/1759-3441.12296","DOIUrl":"10.1111/1759-3441.12296","url":null,"abstract":"<p>Financial resilience is characterised by four sets of variables, namely economic resources, financial inclusion, financial capability and social capital. The purpose of this study is to examine the association between financial resilience and life satisfaction of Indigenous Australians using the (2014/2015) National Aboriginal and Torres Strait Islander Social Survey data. The results reveal that running out of money for living and problems in accessing financial services have significant negative implications on the life satisfaction of Indigenous Australians. The ability to raise money in an emergency, social connections and community support in times of crisis contributes to greater life satisfaction.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-09-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12296","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115293156","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 12
The Role of Financial Capability and Culture in Financial Satisfaction 财务能力和文化在财务满意度中的作用
IF 0.9
Economic Papers Pub Date : 2020-09-09 DOI: 10.1111/1759-3441.12299
Gentjan Çera, Khurram Ajaz Khan, Jaroslav Belas, Humberto Nuno Rito Ribeiro
{"title":"The Role of Financial Capability and Culture in Financial Satisfaction","authors":"Gentjan Çera,&nbsp;Khurram Ajaz Khan,&nbsp;Jaroslav Belas,&nbsp;Humberto Nuno Rito Ribeiro","doi":"10.1111/1759-3441.12299","DOIUrl":"10.1111/1759-3441.12299","url":null,"abstract":"<p>This paper presents an integrated framework for understanding the determinants of financial satisfaction in the context of two European nations with different cultural environments. The direct, indirect and interactive effects were tested through the path analysis method. It was found that to be financially capable is imperative because it governs the impacts of financial attitude and financial knowledge on financial satisfaction. Moreover, findings show that culture matters in explaining differences between countries. Hence, individualistic societies, compared to collectivistic ones, reflect a stronger relationship between financial attitude and financial satisfaction. Additionally, countries showing a high propensity in avoiding uncertainty reflect a negative association between risk tolerance and financial satisfaction, while those lacking such preference manifest a positive relationship.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-09-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12299","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121430253","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 16
“I'd be sleeping in the park, I reckon”: Lived Experience of Using Financial Counselling Services in South Australia* “我会睡在公园里，我想”:在南澳大利亚使用财务咨询服务的生活经验*
IF 0.9
Economic Papers Pub Date : 2020-09-07 DOI: 10.1111/1759-3441.12298
Christina M. Pollard, Sue Booth, Jonathan Louth, Catherine Mackenzie, Ian Goodwin-Smith
{"title":"“I'd be sleeping in the park, I reckon”: Lived Experience of Using Financial Counselling Services in South Australia*","authors":"Christina M. Pollard,&nbsp;Sue Booth,&nbsp;Jonathan Louth,&nbsp;Catherine Mackenzie,&nbsp;Ian Goodwin-Smith","doi":"10.1111/1759-3441.12298","DOIUrl":"10.1111/1759-3441.12298","url":null,"abstract":"<p>The need for non-profit financial services increases with economic hardship. Consumers' experience of accessing non-profit financial counselling services in South Australia was explored across five focus groups. Thirty-six participants discussed service efficiency and potential improvements. The qualitative analysis we completed revealed five themes. Regarding non-profit financial services: (i) <i>Financial counsellors are life changers</i>; (ii) <i>Microfinance is</i> “critical for survival”; and (iii) They're “hidden”. For-profit products are (iv) <i>Fast &amp; easy</i> “at a cost”; and there is (v) <i>Frustration with broader system failures</i>. Non-profit financial services assisted with consumption smoothing and emotional support, but without adequate income financial well-being was not established. Consumers rely on for-profit products in crisis situations. Findings support policy to build financial resilience and increase income.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12298","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116143984","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Inflation and Financial Stability Trade-off: Role of Monetary Policy Credibility and Fiscal Cyclicality 通货膨胀与金融稳定的权衡:货币政策可信度与财政周期性的作用
IF 0.9
Economic Papers Pub Date : 2020-09-07 DOI: 10.1111/1759-3441.12297
Akhmad Syakir Kurnia, Syahid Izzulhaq, Johan Beni Maharda, Agung Kunaedi
{"title":"Inflation and Financial Stability Trade-off: Role of Monetary Policy Credibility and Fiscal Cyclicality","authors":"Akhmad Syakir Kurnia,&nbsp;Syahid Izzulhaq,&nbsp;Johan Beni Maharda,&nbsp;Agung Kunaedi","doi":"10.1111/1759-3441.12297","DOIUrl":"10.1111/1759-3441.12297","url":null,"abstract":"<p>This paper examines the role of monetary credibility and fiscal cyclicality in generating the trade-off between inflation rates and financial stability. We systematically develop simple theoretical models to shape the rationalisation framework, which demonstrates the role of fiscal cyclicality behaviour in arousing a trade-off for the monetary policy to target low inflation rates and a stable financial system at the same time. By utilising the generalised method of moment (GMM), we find that a credible monetary policy generates a trade-off between inflation and financial stability as long as the fiscal policy is procyclical.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-09-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12297","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123529855","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
From me to us: Strengthening our Financial Capabilities 我对我们说:加强我们的财务能力
IF 0.9
Economic Papers Pub Date : 2020-08-28 DOI: 10.1111/1759-3441.12295
Jeremiah Thomas Brown, Marcus Banks, Dina Bowman
{"title":"From me to us: Strengthening our Financial Capabilities","authors":"Jeremiah Thomas Brown,&nbsp;Marcus Banks,&nbsp;Dina Bowman","doi":"10.1111/1759-3441.12295","DOIUrl":"10.1111/1759-3441.12295","url":null,"abstract":"<p>For low-income or precariously employed households in Australia, the re-allocation of risk over the past forty years has four crucial economic dimensions: the fraying of the social security net; changes in labour market dynamics; heightened uncertainty arising from income volatilities; and new hazards generated by the financialisation of daily life. Household financial capabilities are negatively influenced by the compounding impacts of each of these risks. Case examples from a BSL study illustrate each impact and their interactions. The dominant idea that individual capabilities are malleable (and thus can be optimised) whilst circumstances and norms are fixed is countered by an expanded view of Sen’s/Nussbaum’s capability approach (CA) that includes collective capabilities. Collective capabilities can change norms, and so, the concept provides a needed link between the political and macroeconomic movement of risk re-allocation and individual or household financial capabilities. The Australian Unemployed Workers’ Union is used as an example to show how collective action can challenge structural conditions, and expand or protect the capabilities of individuals.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-08-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12295","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131729825","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Agricultural Households: An Exploratory Analysis Revisiting Financial Position and Well-being in Australia* 农业家庭:重新审视澳大利亚财务状况和幸福的探索性分析*
IF 0.9
Economic Papers Pub Date : 2020-08-19 DOI: 10.1111/1759-3441.12293
Will Chancellor, Shiji Zhao
{"title":"Agricultural Households: An Exploratory Analysis Revisiting Financial Position and Well-being in Australia*","authors":"Will Chancellor,&nbsp;Shiji Zhao","doi":"10.1111/1759-3441.12293","DOIUrl":"10.1111/1759-3441.12293","url":null,"abstract":"<p>As the issue of agricultural household economic well-being begins to resurface, we use custom data sets to compare the financial position of agricultural households to the general Australian population. We find that agricultural households tend to have higher levels of wealth compared to households in the average Australian population, yet experience more income volatility on average. Our study brings attention to the important well-being issue while also highlighting the need to collect robust farm household data in order to better understand the complex dynamics of household well-being in the Australian agricultural sector.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-08-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12293","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132480811","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Financial Advice Seeking: A Review of the Barriers and Benefits 财务咨询:障碍和利益的回顾
IF 0.9
Economic Papers Pub Date : 2020-08-17 DOI: 10.1111/1759-3441.12294
Steffen Westermann, Scott J. Niblock, Jennifer L. Harrison, Michael A. Kortt
{"title":"Financial Advice Seeking: A Review of the Barriers and Benefits","authors":"Steffen Westermann,&nbsp;Scott J. Niblock,&nbsp;Jennifer L. Harrison,&nbsp;Michael A. Kortt","doi":"10.1111/1759-3441.12294","DOIUrl":"10.1111/1759-3441.12294","url":null,"abstract":"<p>This paper reviews the literature on the perceived individual-level demand-side barriers to and benefits from seeking and following financial advice. Our review reveals that poor financial literacy, lack of trust and financial adviser anxiety have all been found to dissuade individuals from pursuing professional financial advice. The limited literature on the effectiveness of financial advice in terms of financial well-being suggests a positive link. However, no study has collectively examined the influence of financial literacy, trust and financial adviser anxiety on financial advice seeking and well-being in Australia. We conclude by discussing further gaps, policy recommendations, the recently introduced amendments to the Australian Corporations Act and several directions for future research, which may provide theoretical and practical benefits to policy-makers, industry professionals, academics and individuals.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-08-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12294","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122106506","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
Persistence of Cost Inefficiency Among Schools: A Myth or Reality? 学校成本低效率的持续存在:神话还是现实?
IF 0.9
Economic Papers Pub Date : 2020-07-27 DOI: 10.1111/1759-3441.12291
Antony Andrews
{"title":"Persistence of Cost Inefficiency Among Schools: A Myth or Reality?","authors":"Antony Andrews","doi":"10.1111/1759-3441.12291","DOIUrl":"10.1111/1759-3441.12291","url":null,"abstract":"<p>Inefficiency persistence is often ignored in empirical studies that assess school efficiency levels. Using longitudinal data on state and state-dependent private schools from 62 New Zealand territories, a dynamic random-effect stochastic frontier model is employed to obtain the magnitude of inefficiency persistence along with the measure of cost efficiency estimates. The results show that a naive non-dynamic model incorrectly shows New Zealand schools to be highly cost-efficient in short run. However, the dynamic model exposes the fact that New Zealand state schools face high persistence in cost inefficiency, which is limiting their ability to provide cost-efficient schooling in long run. Furthermore, an estimated 9% of the annual state school funding is lost due to the persistence in cost inefficiency. The findings of this study indicate that cost inefficiency among New Zealand schools appears to be long run, requiring significant policy change from the national government.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12291","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114790664","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Future Expectations and Financial Satisfaction* 未来期望和财务满意度*
IF 0.9
Economic Papers Pub Date : 2020-07-17 DOI: 10.1111/1759-3441.12292
Tracey West, Michelle Cull
{"title":"Future Expectations and Financial Satisfaction*","authors":"Tracey West,&nbsp;Michelle Cull","doi":"10.1111/1759-3441.12292","DOIUrl":"10.1111/1759-3441.12292","url":null,"abstract":"<p>Advances in conceptualisation of financial well-being include factoring future outlook into models, as consumers under financial stress can still expect to be better off in the future. This study applies a financial well-being framework to Australian university students, defining financial well-being to be made up of a set of personal attributes, current money management indicators and expectations about the financial future. We find that being least satisfied with financial situation is associated with higher likelihoods of using short-term credit, not having a financial safety net, not being willing to take financial risks and having negative expectations of the future. The results of this study are useful for educators and policy-makers in designing policies and programmes for university students.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12292","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125774855","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
A View From The Top: Deans on Australian Business Schools 从高层看:澳大利亚商学院院长
IF 0.9
Economic Papers Pub Date : 2020-07-07 DOI: 10.1111/1759-3441.12290
Owen Hogan, Michael B. Charles, Michael A. Kortt
{"title":"A View From The Top: Deans on Australian Business Schools","authors":"Owen Hogan,&nbsp;Michael B. Charles,&nbsp;Michael A. Kortt","doi":"10.1111/1759-3441.12290","DOIUrl":"10.1111/1759-3441.12290","url":null,"abstract":"<p>Australian business schools are often viewed by senior university managers as 'cash cows' because of their revenue-raising capacity. However, a competing view has emerged that challenges their status as 'cash cows' and contends, instead, that business schools should focus on maximising 'public value' as a means to enhance their legitimacy. Using the analytic framework of 'public value,' a broad cross section of Australian business schools deans was interviewed. These interviews afforded a greater understanding of how the tensions inherent in these competing narratives are reconciled, and how they impact on the day-to-day management of business schools in Australia.</p>","PeriodicalId":45208,"journal":{"name":"Economic Papers","volume":null,"pages":null},"PeriodicalIF":0.9,"publicationDate":"2020-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1111/1759-3441.12290","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133698371","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
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