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In today's technologically advanced era, personal financial competence is critical for successful living, particularly as individuals face increasing complexities in financial decision-making. This study explores the impact of personal financial education on financial management behavior, digital financial misconceptions, and parental well-being among Generation Z in Indonesia. This quantitative study employed Structural Equation Modeling (SEM) to analyze data from 1,843 high school students across Indonesia. The study focused on the relationships between personal financial education, financial management behavior, digital financial misconceptions, and parental well-being. Data were collected through a cross-sectional survey, with instruments designed to measure each of the key variables. The findings reveal that personal financial education significantly influences financial management behavior, which in turn impacts digital financial misconceptions and parental well-being. Moreover, personal financial education directly affects both digital financial misconceptions and parental well-being, with strong indirect effects mediated through financial management behavior. The results underscore the importance of integrating comprehensive financial education into school curricula to enhance financial literacy and management behaviors. By improving financial management skills and reducing digital financial misconceptions, personal financial education can contribute to better financial outcomes and overall well-being for students and their families. This study highlights the need for educational programs that address the specific challenges posed by digital finance, ensuring that Generation Z is well-equipped to navigate the complexities of modern financial environments. [ABSTRACT FROM AUTHOR]

Geothermal systems face adoption challenges due to their high initial investment cost. Accurate cost analyses and a more precise understanding of updated prices could assist geothermal industry projects in obtaining investment financing and better money management with the right equipment. As the cost of geothermal installations can vary widely depending on case and location, it seems essential to clarify the factors and parameters that determine the cost of the system. These include the type of loop system, the ground conditions, the type of heat pump, the system size, and the geographical location. The scope of this study is to compare the operation of various types of ground heat exchangers (GHEs) present in a Ground Source Heat Pump (GSHP) system installed in the coastal area of the Mediterranean climate zone of Cyprus. The highlight of this work is that it presents real installation cost data as well as recorded total energy contributed by the GHEs to the GSHP system of a HP cooling and heating capacities of 101 kW and 117 kW, respectively. The input contribution from the GHEs to the HP is 85,650 kWh (308,340 MJ) in summer and 25,880 kWh (93,168 MJ) in winter. It is shown that, among the three groups of GHEs investigated, the open-well GHE complex has the lowest cost per kWh ratio (0.32 EUR/kWh), followed by the vertical GHE complex (1.05 EUR/kWh), and lastly by the helical coil GHE (2.77 EUR/kWh). This clearly suggests that when underground water is available, the open-well GHE is much more favorable than other GHE types. [ABSTRACT FROM AUTHOR]

Taiwan's bed and breakfast (B&B) industry has experienced significant development in its nearly 25-year history, transforming from B&B run by retirees to mature service providers that adopt modern business and Internet technology skills in line with sustainable lodging development. This study explores the basic professional capabilities required for the sustainable development of B&B management, including social-emotional intelligence (EQ) capabilities and their impact on the quality of sustainable tourism services. The study used the K–S Z test to assess the importance of various abilities, including emotional intelligence abilities, financial management abilities, technical skills abilities and marketing abilities. The findings, validated with p-values less than 0.05, confirm the multi-disciplinary nature of sustainable tourism management skills in B&Bs and highlight their importance in sustainable service attitudes and strategic marketing. The identified capabilities are not only crucial for the sustainable development of the B&B industry, but are also crucial for contributing to the B&B's national diplomacy and sustainable development status in global tourism. This study provides both novice and experienced B&B operators with actionable insights to improve their operational efficiency and achieve sustainable tourism development goals. [ABSTRACT FROM AUTHOR]

AbstractEffective savings mechanisms are crucial for household resilience and economic growth. Savings accounts, whether from banks or mobile-phone based, offer an alternative to informal saving mechanisms as they provide safe and private cash storage. However, there is still no clear evidence on how the use of digital tools can contribute to increasing farmers’ savings, compared with other financial tools such as bank accounts or keeping cash at home. To address this gap, we investigate factors affecting cocoa farmers’ decisions to save, as well as their savings amounts. Shedding light on saving determinants, we answer the question of whether formal and semi-formal accounts play a major role in savings accumulation. For our study, we employ data from a structured telephone survey conducted in 2021 among 405 randomly sampled cocoa farmers. Results from an interval regression suggest that bank account usage is associated with higher savings amounts. In contrast to male cocoa farmers, females seem to use mobile savings tools to their benefit. Our analysis further reveals the importance of education in household financial resource management. We provide valuable results for public policymakers and the private sector towards responsible financial inclusion and pro-poor development of digital financial services. [ABSTRACT FROM AUTHOR]

Background: Retaining midwives and registered nurses in the Obstetrics and Gynecology department/unit (OB/GYN) is not just a matter of organizational effectiveness and financial wellness. It's a crucial aspect of ensuring quality healthcare delivery. This study aimed to discuss the degree to which midwives and nurses in OB/GYN departments are structurally empowered, resilient, and committed to remaining at the organizations and to examine whether nurses' and midwives'sense of structural empowerment and resilience is a good predictor of their decision to stay with the organization. Methods: This study employed a unique convergent parallel mixed methods approach. The research was conducted in two distinct phases. The first phase involved a cross-sectional quantitative survey with a convenience sample of 200 midwives and nurses in OB/GYN departments. The second phase was a qualitative study utilizing semi-structured, open-ended interviews. Eighteen nurses and midwives, specifically chosen as the target population, were invited to participate in individual interviews. The data collection took place at three major hospitals in Saudi Arabia, starting in January 2023 and concluding in February 2023. Results: The study results revealed that structural empowerment and resilience were statistically significant predictors of the intent to stay in the organization (F = 35.216, p < 0.001), with 26.3% variation, the structural empowerment is higher predictor (β = 0.486, p < 0.000) to intent to stay if compared to resilience (β = 0.215, p < 0.008). Five major themes emerged from the narratives of the nurses and midwives: the nurturing of the physical and physiological, the development of the psychological, the managing finances, the restructuring of the organization, and the enrichment of the professional and occupational. Conclusion: The study's findings have significant implications for healthcare organizations. They highlight the importance of cultivating a culture of empowerment and resilience, which can serve as a powerful tool to encourage registered nurses and midwives to remain in their organizations. This insight empowers healthcare administrators, human resource managers, and obstetrics and gynecology professionals to take proactive steps toward improving retention rates. [ABSTRACT FROM AUTHOR]

Background: With advancements in perioperative care, joint replacement (JR) surgery is undergoing a transition from opacified in-patient institutions to nimble out-patient Ambulatory Surgical Centers (ASC). The goal of JR in ASC setting is safe patient discharge with subsequent rehabilitation without readmission. Multi-modal preoperative rehabilitation (MMPR) is a novel field of perioperative care, encompassing comprehensive parameters to ensure smooth transition from fitness for surgery to JR in outpatient setting. At present, there are no open-access schemes for selecting patients qualified for JR in the ASC setting. In this article, we propose an evidence-based, 10-point systematic evaluation of patients with target endpoints for MMPR to qualify patients for JR as an outpatient procedure. This checklist is a non-proprietary scheme serving as an initial framework for surgeons exploring surgery in the ASC setting. Body: We introduce factors for a prehabilitation scheme, called Checklist Outpatient-Joint Replacement (CO-JR) to qualify patients for outpatient JR surgery. These factors have been developed based on an extensive literature review and the significant experience of authors to incorporate variables that drive a successful outpatient JR procedure. The factors include patient education, psychiatric & cognitive ability, medical fitness, musculoskeletal capability, financial ability, transportation access, patient motivation, information technology (IT) capabilities, along with ability to recover independently at home postoperatively. The CO-JR scheme is under the process of validation at multiple institutions. We introduce this as a starting point for collaborative development of an open-access scheme for all surgeons to learn and adapt as needed for their respective global region. Conclusion: We established a non-proprietary 10-point CO-JR scheme, serving as a framework for surgeons to successfully select patients for JR surgery in the ASC setting. We encourage concomitant validation of this scheme globally. Our goal is to reach an international consensus on an open-access scheme, available for all surgeons to enrol patients for JR in the ASC setting, but modifiable to accommodate regional needs. [ABSTRACT FROM AUTHOR]

Background Methods Results Conclusion This study aimed to review the activities of the Kobe City Initial‐phase Intensive Support Team for Dementia pre‐ and during the coronavirus disease 2019 (COVID‐19) pandemic, to compare the characteristics of the target population and the performance of the team's activities, and determine the impact of the pandemic on the team's project.The summary data obtained at the time of consultation, team activities, and participants' characteristics were extracted from 662 participants who started to receive support between April 2018 and March 2022. Statistical analysis was performed by dividing the participants into the following two groups: pre‐ and during COVID‐19 pandemic groups.There was no significant difference in the number of new cases or cases that led to a dementia diagnosis between the pre‐ and during COVID‐19 pandemic groups. However, there were significant differences in the number of home visits and rate of introduction of medical care between the two groups. In our study population, the number of participants with financial management difficulties and delusions increased and the number of participants who refused visitations slightly decreased.The Kobe City Initial‐phase Intensive Support Team was able to continue its activities during the pandemic partly because the team is an independent, dedicated team. During the pandemic, there was an increase in the number of participants who were isolated because they were deprived of opportunities to interact with others, and who developed delusions and other psychiatric symptoms. Despite this situation, the professional team responded quickly through individual assessment of the individual needs by continuous outreach, taking into account the infection situation, and thus this outreach team functioned well even under the COVID‐19 pandemic. [ABSTRACT FROM AUTHOR]

Objectives: Financial strain has important consequences for patients, providers, and health care systems. However, there is currently no gold standard measure to screen for financial strain. This study compared the performance of 3 single-item screeners using a composite measure of financial strain as a "gold standard." Methods: We conducted a secondary analysis of unweighted data from a 2021 survey of Kaiser Permanente Northern California health plan members comparing the percentages of adults who experienced financial strain based on 3 general single-item screeners, a screener specific to medical and dental health care use, and a composite financial strain measure. The study sample was comprised of 2734 non-Medicaid insured adults who answered all financial strain questions. Kappa statistics evaluating agreement of the 3 general screeners with the composite measure were calculated for the sample overall, by age group, and within age group, by 4 levels of income and 4 racial/ethnic subgroups. Results: Among 947 adults aged 35 to 65, 30.7% had just enough money or not enough money to make ends meet, 23.3% had a somewhat hard or hard time paying for basics, 18.8% had trouble paying for ≥1 type of expense, 20.5% had delayed/used less medical/dental care, and 41.5% had experienced financial strain based on the composite measure. Among 1787 adults aged 66 to 85, the percentages who screened positive on these measures were 22.7%, 19.4%, 12.9%, 19.8%, and 34.4%, respectively. Across the sample, by income categories and racial/ethnic groups, the making ends meet screener identified higher percentages of adults experiencing financial strain and performed better when compared with the composite measure than the hard to pay for the very basics and trouble paying for expenses screeners. Overall, substantial decreases in the percentages of adults who screened positive on the financial strain measures were seen as level of income increased. Within income categories, middle-aged adults were more likely than older adults to have experienced financial strain based on the composite and general single-item screeners. Conclusions: As social risk screening becomes part of the standard of care, it will be important to assess how well different brief screeners for financial strain perform with diverse patient populations. [ABSTRACT FROM AUTHOR]

Establishing a successful neurofeedback practice requires not only clinical expertise, but also strong business acumen. Many of the suggestions in this article apply to those with biofeedback and related practices as well. This article reviews tips on leveraging resources from national organizations and local economic development options. Building a compelling brand with professional logos and adhering to ethical advertising standards are essential. A robust web presence, bolstered by effective search engine optimization, enhances visibility. Tracking client inquiries and analyzing referral sources can guide strategic decisions. Additionally, managing finances prudently and optimizing time-management skills are crucial for sustained success and personal fulfillment in this specialized field. [ABSTRACT FROM AUTHOR]

The seminal spending review (SR) theoretical framework by Catalano & Erbacci [2018. A theoretical framework for spending review policies at a time of widespread recession. OECD Journal on Budgeting 17(2), 9–24] draws on the cutback management and related academic literature to articulate the first theory for explaining the ability of medium-term SRs conducted after the global financial crisis of 2008 to effect targeted savings. This literature is however dominated by advanced economies with sophisticated public financial management systems. Comparatively little attention, however, has been paid to theoretical perspectives on developing countries, like South Africa. This article applies this theoretical framework by Catalano and Erbacci to the South African SR initiative in order to interrogate its theoretical and empirical relevance. Proposals are made for enhancing the operationalisation of the organisational and process dimensions of C&E's theoretical framework to lay a foundation for future empirical research and its policy implications for South Africans SRs are explored. [ABSTRACT FROM AUTHOR]

This paper traces the development of spending reviews from their origins in a set of budgetary innovations in the United States in the 1950s and 1960s – notably zero-base budgeting (ZBB) and Planning, Programming and Budgeting Systems (PPBS) – to their application internationally for budget management and fiscal consolidation. Spending reviews have been successfully developed and applied in mostly advanced economies but, because they rely on advanced tools of fiscal analysis and established public financial management systems, their application in low- and middle-income countries is more limited. Many countries use spending reviews to identify budgetary savings or to improve the efficiency and effectiveness of the government's spending policies and programmes. The reviews can either be comprehensive or target specific programmes or areas of spending. Finance ministries are the cornerstone of an effective spending review process, which requires strong analytical skills and tools, as well as reliable data. Line ministries also play a key role and good use can be made of external experts. Political oversight and good governance are fundamental to success, but countries have followed a variety of models in designing their spending review processes; simpler approaches are available for countries with low capacity. [ABSTRACT FROM AUTHOR]

With the rapid increase in technology in production, the idea that robots will take away people's jobs and that this will lead to a major social problem has started to gain prominence. In such a situation, there will be a need for both income sufficient to ensure people's basic livelihoods and the preservation of social peace. At this point, the idea of a universal basic income comes to the fore. Universal basic income can be defined as the amount of money paid unconditionally and regularly to every individual in society. In this study, the theory of universal basic income is examined from many aspects. In this context, the scope and motivation of universal basic income are presented, and the advantages that basic income would provide for both workers and capital owners are evaluated separately. Additionally, within the scope of this study, it is demonstrated that it is possible to finance basic income by considering the social expenditures made by states. The study also evaluates the criticisms of basic income and the responses to these criticisms. Furthermore, the pilot implementations of universal basic income and their results are analyzed. In the conclusion section of the study, it is reached that basic income is consistent but its simultaneous implementation on a universal level is not yet possible in its current form. [ABSTRACT FROM AUTHOR]

In the context of public health, there is a common misconception that only Romania's system faces issues and generates societal dissatisfaction. However, globally, there is significant room for improvement, as the performance of the sector is often unsatisfactory. This paper presents findings from an exploratory study on the attitudes of medical personnel in pathology services towards managerial and administrative risks, supported by a survey that provides a wealth of useful information. The survey encompassed a geographic area including the counties of Mureș, Harghita, Sibiu, and Alba, involving 12 healthcare units: 2 university hospitals, 2 county hospitals, and several municipal or town hospitals. These institutions housed anatomical pathology service structures staffed by approximately 240 physicians and assistants, with a ratio of 1 physician to 2.5 assistants. The questionnaire aimed to test four hypotheses through questions that invited respondents to select from formatted answers. Of the four hypotheses formulated and their corresponding items, only two were confirmed. This outcome suggests that the Romanian healthcare system is not unequivocally adaptable to the needs of medical product consumers. Specifically, the data indicate that hospitals face dire financial conditions amidst various challenges and vulnerabilities. Differences of opinion between the two categories of respondents are evident in certain risk categories. This discrepancy arises from the specific nature of their activities and their respective contributions to ensuring the quality and efficiency of the service. [ABSTRACT FROM AUTHOR]

The document is a newsletter from the Clinician Investigator Trainee Association of Canada (CITAC) in September 2024. It includes messages from the president and directors of various departments within CITAC, such as operations, research, student affairs, and communications. The newsletter highlights upcoming events, resources, and opportunities for trainees in the field of clinical investigation. It also encourages engagement and communication within the CITAC community. [Extracted from the article]

The aim of this study is to discuss the legal aspects of hotel tax collection using an online system in the Badung Regency Government. The study provides insights into how digitalization of tax systems can impact local governance, compliance, and efficiency, offering a valuable case study for other regions considering similar implementations. The results of the study show that there is a significant increase in tax revenues from 2022 to 2023, mainly due to the post-pandemic recovery of the tourism sector in Badung. With the right strategy, this system can become an important component in modern public financial management and is responsive to future challenges. With sustainable technological infrastructure development and strict supervision, online tax collection can become a tool in encouraging economic growth and community welfare. Comparative studies between regions that have implemented similar online tax systems could provide valuable insights into best practices, challenges, and scalability. [ABSTRACT FROM AUTHOR]

Goal: To document shifts in rural hospital service line offerings between 2010 and 2021 and to assess the resulting impacts on hospital profitability. Methods: We used annual Medicare cost report data for all rural hospitals that did not change payment classifications between 2010 and 2021. We documented changes in the percentages of hospitals offering each of the 37 inpatient or ancillary service lines included in the data. We then used panel event studies to assess effects on hospital operating margin for specific service lines that changed most prominently during this period. Principal Findings: Twelve service lines changed by more than 5% during our period of analysis. These are highlighted by hospitals adding rural health clinics (+32%) and CT scans (+20%) and removing delivery rooms (-21%) and skilled nursing facilities (-19%). Panel event studies demonstrated that the addition or subtraction of most services did not have statistically significant impacts on future hospital operating margins. Notable exceptions were the addition of rural health clinics and the removal of delivery services, both of which positively affected future operating margins. The addition of occupational therapy services had a positive effect on operating margin in the near term, but adding MRI services had a negative effect. Practical Applications: The finding that only a select few service line changes resulted in meaningful impacts to hospital operating margins suggests that hospital leaders should be wary of implementing such changes as a means of improving financial viability. [ABSTRACT FROM AUTHOR]

Although researchers have segmented the customer markets of many products and services, they seem to neglect to categorize that of older people's homes. In addition, they overlook a comparison of the intentions and affecting factors of the volitional customers and the nonvolitional customers' decision-makers. This study filled these gaps by qualitatively segmenting the older people's home customers market in Vietnam. The database was user-generated content, and the analysis method was inductive. The study identified six segments of potential and nonpotential customers: those who wanted or did not want to go to or send their parents to older people's homes and those who were flexible or fluctuating. The volitional customers and the decision-makers of the nonvolitional customers shared similar characteristics, such as financial and emotional independence or dependence and social norm resistance or conformation. Other factors, such as information intelligence and health conditions, were faint compared to these characteristics. Based on these observations, this study discussed some implications for expanding the existence and contribution of older people's homes more effectively. [ABSTRACT FROM AUTHOR]

Young fathers often view studying in HE positively, and perceive the benefits to include improving self-confidence, reconnecting with lost learning opportunities, building better career prospects, and becoming a better role model for their children. However, despite these perceived benefits, not all young fathers decide to study in HE. The financial burden of course fees are often prohibitive and some young fathers do not want to risk losing income or interrupting their existing careers. They face challenges such as knowing what HE opportunities are available and experience difficulties in navigating the application process. Others feel that they are not sufficiently qualified to study at a higher level. For those young fathers who do go on to study, they may also experience difficulties entering and sustaining their HE journey. Once enrolled, common challenges include the demands of childcare, financial pressures, and well-being concerns. To complicate matters, young fathers rarely seek out support from HE providers or other formal services. With the educational outcomes of young fathers being a cause for concern and due to the hidden nature of this group who are largely absent from statistics, this qualitative study draws attention to this under-researched area and guides future policy and practice. [ABSTRACT FROM AUTHOR]

Poverty has long been indicated as a risk factor for child maltreatment. This review aims to synthesize the existing literature regarding the relationship between income-level poverty and child maltreatment in the United States. Of the 27 studies included, approximately 40% measured poverty using only income indicators, and 71% measured child maltreatment using administrative data. While the type of child maltreatment varied across studies, the associations generally revealed that higher income decreased the risk of child maltreatment, or families living in poverty had a higher risk of child maltreatment. The current study proposed several child welfare-related implications based on the findings. [ABSTRACT FROM AUTHOR]

Copyright of China Textile Leader is the property of China Textile Information Center and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Economic stability is one of the five domains of determinants of health influencing the well-being of families and communities. In this column, the impacts of economic instability, including poverty, employment, food insecurity, and housing instability, will be described. These challenges have unique impacts during pregnancy and the early years, with inequitable and accumulating health burdens over a lifetime. Actions that nurses can take within the NICU setting are described and opportunities for community and policy advocacy are identified. [ABSTRACT FROM AUTHOR]

The article highlights the distinguished career of Martha Gerhart, a renowned classical vocal coach whose work has deeply influenced the field. Topics include her extensive contributions to opera houses, her significant role in translating and publishing vocal anthologies, and her impactful career as a music coach and accompanist.

Fluctuations in the international price of crude oil follows the axioms of the market economy, in which the prevailing price level is mostly decided by the demand and supply mechanism as a fundamental element. Oil price shocks has a negative and significant effect on Gross Domestic Product. Oil shocks transmission mechanism to the economy, starting from the effects of demand, supply, and even exchange rate of trade. Another factor having a significant effect on the stability of the financial system is the monetary cycle, which consists of inflation and the effect of exchange rates. The type of data in this study was time series data taken from January 2020 to December 2022 by conducting a documentation study conducted on the publication of monthly transaction reports from the required data. Financial System Stability Index is measured by the Credit Growth Rate of North Sumatra and monthly data from the Monetary Cycle and Macroeconomic Factors of World Oil Price. Inflation Variable had the highest extraction value, meaning that inflation had a significant effect on North Sumatra Financial Stability and this of course must be taken into consideration for the North Sumatra government in overcoming the impact of covid-19 which can disrupt the financial stability of North Sumatra. The variable money velocity was a moderating variable affecting the relationship between currency exchange rates and the financial system stability of North Sumatra. The results found that financial system stability could be realized by limiting the circulation of foreign currency in Indonesia by only granting ownership permits and foreign currency transactions for certain needs. Then the government must also play a serious role in dealing with the symptoms of inflation by ensuring that the supply chain of basic commodities for industrial and household needs can be comprehensively available so that inflation control can be carried out properly, so that the stability of the monetary system in a country can be achieved significantly and sustainably. [ABSTRACT FROM AUTHOR]

This study analyzes the impact of literacy inclusion and financial management on the performance and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Binjai City, North Sumatra. Utilizing a quantitative research method, the study collected primary data through questionnaires and interviews with 105 MSME owners. The findings indicate that higher financial literacy and inclusion significantly enhance the ability of MSME owners to manage business finances, thereby improving both performance and sustainability. The study highlights the critical role of financial management in the growth and stability of MSMEs, particularly in distinguishing between personal and business finances. Moreover, it confirms that well-managed finances positively influence sales turnover and decision-making processes within MSMEs. The research contributes to understanding the factors that drive MSME success in a regional context, offering practical implications for policy and training programs aimed at improving financial literacy and inclusion among MSME operators. [ABSTRACT FROM AUTHOR]

Introduction: The COVID-19 pandemic posed significant global challenges to healthcare systems, necessitating rapid education and training adaptations for frontline workers. In Qatar, Hamad Medical Corporation Ambulance Service (HMCAS) has transitioned to distance learning platforms to ensure the continuing professional development of paramedics. The aim of this study was to evaluate the effectiveness of these online learning platforms in meeting the educational needs of HMCAS paramedics in pre-hospital care. Methods: A retrospective observational study design was followed using an online survey. Data were collected using a validated tool focused on accessibility, feasibility, and perception of online learning during the pandemic. Descriptive and inferential statistics (ANOVA) were used to estimate differences in satisfaction scores across themes and analyze the data. Results: The findings revealed that HMCAS paramedics reported high levels of satisfaction (mean 3.93 out of 5) with online learning, citing its ability to meet their educational needs, enhance academic performance, and provide a safe learning environment. However, challenges such as poor internet connectivity, financial constraints, and lack of face-to-face interactions were identified as limitations. ANOVA results indicated that there was higher satisfaction with the online learning program, and that it met their patient care management expectations. Conclusion: This study highlights the potential of online learning to meet the educational needs of paramedics during a global health crisis. The findings suggest that online learning can be an effective and resilient approach to education and training in future public health emergencies with appropriate quality control measures, improved feedback mechanisms, and strategies to enhance interaction and engagement. [ABSTRACT FROM AUTHOR]

This study aims to analyze the influence of Fintech Payment, Financial Literacy, and Service Accessibility on Financial Management among the residents of Sigli City. The research employs a quantitative approach with a survey method, involving 100 respondents selected using the Lemeshow technique. Data analysis uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with SmartPLS 3.0. The findings indicate that all indicators have good validity and reliability. The evaluation of the structural model suggests that the variables of Fintech Payment, Financial Literacy, and Service Accessibility have a positive and significant impact on Financial Management. Fintech Payment assists the community in managing their finances through the features provided, Financial Literacy enhances individuals' ability to make better financial decisions, and Service Accessibility improves the ease with which the community can utilize financial services. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Accounting & Finance Management (JAFM). is the property of Dinasti Publisher and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Financial difficulties are not always caused by the influence of income, but are also influenced by errors in managing finances, for example not planning a financial plan. There are many factors that influence students' financial management behavior. The purpose of this study is to analyze three factors that influence students' financial management, namely financial literacy, self-confidence and the quality of financial learning. The research method used is quantitative descriptive with a population of 83 students of the Accounting Department of the State Polytechnic of Malang in 2023. The results of the study show that financial literacy, self-confidence, and the quality of financial learning have a positive effect on students' financial management, both partially and simultaneously. [ABSTRACT FROM AUTHOR]

Copyright of Revista Foco (Interdisciplinary Studies Journal) is the property of Revista Foco and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Polish Statistician / Wiadomości Statystyczne is the property of State Treasury - Statistics Poland and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Purpose: This article aims to assess the management of financial liquidity and working capital in companies operating in road transport services in Poland between 2019 and 2022. Design/methodology/approach: The study was conducted among a group of 110 enterprises with the highest revenues in 2022 to evaluate the strategies they employ in managing working capital. Comparative financial analysis tools and multiple regression models were used to assess the causal relationship between factors shaping financial liquidity. Findings: The results indicate that the highest level of financial liquidity was achieved in 2020, during the pandemic period. Companies predominantly adopt a moderate strategy in managing working capital, associated with lower insolvency risk. The independent variables included in the regression model explained the variability of the current liquidity ratio. The results of the multiple regression showed that, in the long term, financial liquidity improvement can be achieved through an appropriate asset structure and a low level of short-term liabilities. Research limitations/implications: The survey was limited to transport services companies in Poland. Limiting the sample to a specific geographical region may hinder generalisations. Therefore, future research could include companies from other countries. Practical implications: The findings from financially sound companies provide practical insights into effective financial liquidity management methods under challenging market conditions. Originality/value: The study showed which liquidity and working capital management strategies were effective during the difficult market turbulence. The results can be applied by other entities regardless of their sector of operation. [ABSTRACT FROM AUTHOR]

Introduction: Living donation increases the organ supply, but associated non-medical expenses can disincentivize donation. Programs aimed at increasing living donation need to better understand how financial obstacles, including lost wages, impact the decision to pursue donation. Methods/Approach: Forty-eight interviews were conducted and analyzed using a grounded theory approach. Findings: Three key themes were identified that influenced decision-making: emotional attachment, temporal flexibility, and job security. These themes emerged when dividing interview participants into 3 groups: close relationship donors, broader network donors, and non-directed donors, representing donation to a family member or friend, a specific person they do not know well or at all, or a non-specified individual, respectively. Most close relationship donors wanted to donate regardless of personal financial cost, based on emotional attachment to the recipient. Wage reimbursement did not typically affect their decision-making but could reduce stress. Since non-directed donors did not donate to a specific individual, they could wait to achieve financial stability before donating, if needed. While wage reimbursement might create more proximate stability, non-directed donors had the flexibility to postpone donations until they could independently achieve financial stability. Lacking emotional attachment and temporal flexibility, broader network donors were particularly active decision-makers and most influenced by wage reimbursement. Across all groups, donors with job security were more resolute about donating. Conclusion: The findings underscore the importance of lost wage reimbursement to facilitate donation and reduce stress, and policies to protect donor job security. [ABSTRACT FROM AUTHOR]

Purpose: The purpose of this study is to provide quantitative information about the development of Islamic financial management literature. For this purpose, it is aimed to draw attention to the development of this field by revealing the literature gap in the field of Islamic financial management. Design/methodology/approach: In this study, the document analysis method is used and the Web of Science (WOS) site is used to obtain the desired data. The time range of the study covers the years 1980–2023/January. The results obtained from the scans were analyzed by the bibliometric analysis method. The data obtained within the scope of the study are classified and analyzed using the VOSviewer program, which is one of the many software developed for scientific mapping analysis. The obtained data are presented in a certain order with the visual mapping method. Findings: In the analyses made, bibliometric analysis based on document review and including the subject of "Islamic financial management" in the WOS database between the relevant years has not been used in any study, which points to an important gap in the literature. However, 3,022 studies on "Financial management" and 1,830 studies on "Islamic finance" have been identified. Although there is no data on "Financial Management", the subjects of "Islamic finance" and "Financial management" related to the subject have been evaluated in terms of countries, the most publishing organizations, authors, publications and word–word groups, using the bibliometric analysis method, as well as making numerical and visual evaluations. These studies show that an infrastructure to include the subject of "Islamic financial management" has not been formed in the literature. Practical implications: This study points to an important gap in the literature. The subjects of "Islamic finance" and "Financial management" have been sufficiently covered in the literature separately. By combining this knowledge with new studies there appears an environment where original studies on the subject of "Islamic financial management" can be made and this study is aimed to shed light on this virgin area. Originality/value: In the literature bibliometric analysis based on document review including the subject of "Islamic financial management" has not been used in any study. To the best of the author's knowledge this study is the first in the literature to address the related issue and with it an important gap in the literature has been identified and an important case that will be a source for future studies has been revealed. [ABSTRACT FROM AUTHOR]

Most healthcare professionals agree on the "why" behind encouraging administrators to embrace Lifestyle Medicine as a means of treating chronic conditions and improving health. It is the "how" that often evades us. How do we build our business case to justify the sustained commitment to this approach to care? Each entity has unique obstacles and opportunities inherent in their business model and organizational culture. Attempts to position Lifestyle Medicine as a fundamental means for reshaping healthcare sometimes fall flat despite the value of the requests. Advance preparation including strategic planning and a well-designed approach can make the difference by addressing barriers and opening doors. Each business case will be unique, but there are critical elements that should be common to every strategic plan. We can identify foundational tactics to substantiate the need for integration of Lifestyle Medicine as a critical part of healthcare institutions and their financial plans. Given the momentum in Lifestyle Medicine as a discipline, recommendations can be based on successful practices in the development of business cases, program pilots, sustained budgets and outcomes that justify expansion. [ABSTRACT FROM AUTHOR]

IMPACT: The article sheds light on the intricate trade-offs encountered by public managers when coping with competing priorities and navigating between social and financial sustainability. For public managers, the key takeaway lies in recognizing that achieving social–financial sustainability necessitates specific strategies, organizational structures, and tools in public organization. These elements must be integrated, for instance, into performance goals combining social–financial sustainability. As trade-offs are made in budgeting and financial management processes, participatory and collaborative approaches are essential for desired social–financial sustainability impacts. By identifying and highlighting these trade-offs, the article initiates a dialogue where various stakeholders—each with distinct roles, goals, and values—can converge. Sustainability is often studied as an environmental or economic issue with a strong focus on metrics. The social dimension has received little attention in public administration research, and even less is known about the social and financial sustainability nexus. This article provides empirical insights, illustrating that socially and financially sustainable local government requires deep understanding of the decision-making processes in financial management and budgeting with respect to how much to spend and on what. [ABSTRACT FROM AUTHOR]

This model separates the visit into two distinct parts with two distinct start times — one for the care team's pre-work and another for the patient-physician interaction. This model separates the visit into two distinct parts with two distinct start times — one for the care team's pre-work and another for the patient-physician interaction. [ABSTRACT FROM AUTHOR]

Chief investment officers frequently overlook the psychological aspects of leadership. Transitioning from technical expertise to managing people requires balancing analytical and emotional intelligence. Drawing on decades of research in psychology, the author introduces five principles for enhancing leadership in money management: focusing on intrinsic motivation and the process rather than the outcomes, prioritizing time spent in high-engagement activities (flow), embracing the mission and the meaning of active management, managing biases by understanding core beliefs, and understanding openness as a personality trait in portfolio managers. [ABSTRACT FROM AUTHOR]

Copyright of Environmental & Social Management Journal / Revista de Gestão Social e Ambiental is the property of Environmental & Social Management Journal and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Environmental & Social Management Journal / Revista de Gestão Social e Ambiental is the property of Environmental & Social Management Journal and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Purpose: The study aimed to identify the factors impacting nurse unit managers' knowledge and ability importance of managerial competencies. Methods: The participants were 200 nurse unit managers who worked at general hospitals or tertiary care hospitals. Data were collected from February 1 to June 30, 2021, and analyzed using descriptive statistics, independent t-test, paired t-test, ANOVA, and stepwise multiple regression analysis with IBM SPSS/WIN 26.0. Results: Nurse unit managers perceived the ability of managerial competencies to be less important than knowledge thereof. Overall, nurse unit managers perceived the importance of human and technical competencies as the most important, while the importance of financial managerial competency as the lowest. The significant predictors of knowledge and ability importance of managerial competencies were 'nursing environment' and 'research experience', and the input variables explained 34% of knowledge importance and 25% of ability importance. Conclusion: Nurse administrators should continue to pay attention to the nursing environment, provide nursing unit managers with opportunities to conduct various research and provide related education. [ABSTRACT FROM AUTHOR]

This investigation utilized the Midlife in the United States Survey (N = 3,258) to assess the relationships between sexual assault, sense of control, and financial stability. Age of first sexual assault and sexual assault revictimization were also considered in analyses of sexual assault survivors' data. Results revealed consistent associations between experiences of sexual assault and revictimization with lower financial stability and suggest that sense of control may be an indirect mechanism linking these variables. Findings have policy relevance and practical implications for practitioners. Restoring sexual assault victims' internal loci of control may promote more positive financial outcomes. [ABSTRACT FROM AUTHOR]

Elderly people are a vulnerable group in society with specific needs. They are at greater risk of various health problems, financial difficulties, and social isolation. Caring for the elderly benefits not only them but also the entire society. The dedication and care that nursing students demonstrate in their work are critical to meeting the complex challenges of keeping older patients healthy. Motivation is a fundamental element of human behavior and learning. It can be triggered by various factors such as personal goals, interests, aspirations, external stimuli, demands, and rewards. It is important for achieving success and accomplishing our tasks, as it provides energy, direction, and commitment to achieving the desired results. Deciding on a career path is extremely challenging in everyone's life, especially in the nursing profession, where one must choose between working with patients of different age groups and varying health problems and needs. The motivation and attitude of students in the nursing specialty play a key role in their successful realization in working with the elderly. Purpose of the study: To study and analyze the main reasons for the lack of motivation among students majoring in nursing to work with the elderly. [ABSTRACT FROM AUTHOR]

Comparing hospitals using multicriteria methods facilitates a thorough assessment of performance across multiple dimensions, supports informed decision-making, promotes accountability, and drives continuous improvement in healthcare delivery. This paper aims to apply multicriteria methods to assess hospitals in Slovakia in the pre-crisis (2019), crisis (2021), and post-crisis (2023) periods of the COVID-19 pandemic. The assessment is conducted using four multicriteria methods, i.e., a ranking method, scoring method, normed variable method, and TOPSIS method, and nonmetric multidimensional scaling (NMDS). The research sample comprises a group of hospitals classified under the sector (SK) NACE 86.1—Hospital activities. Seven indicators (financial and non-financial) were entered into the analysis. The results show that the agreement among the employed multicriteria evaluation methods was statistically significant. Moreover, the findings demonstrate that Slovak hospital rankings based on the selected criteria vary over time. The perfect quality of the NMDS models, as indicated by stress values below 0.025, shows that NMDS analysis provides a highly accurate and reliable representation of hospital comparisons. By combining multicriteria methods with NMDS, we harness the strengths of each approach to improve decision-making and achieve greater insights into intricate datasets. A comprehensive assessment of hospitals allows for the identification of the system's strengths and weaknesses, which can be utilized to formulate new improvement strategies. As an additional benefit, this paper includes a bibliometric analysis, offering a systematic evaluation and synthesis of existing research on multicriteria evaluation methods. [ABSTRACT FROM AUTHOR]

Maturity models (MMs) are used as a reference framework in various fields. In the public sector (PS), the principles of good governance have necessitated an evolution in financial reporting. This study aimed to design a model of accounting and financial maturity for PS reporting units. This study has a mixed-methods design. The initial MM was designed using a systematic review and expert panel discussions. Then, five focus group interviews were held over seven sessions. Next, a questionnaire was distributed among Iranian PS experts to validate the components of the MM. Thirty-two people filled out the questionnaire. A binomial test was used to validate the dimensions of the model. The outcome of this study was the design of a MM for accounting and financial reporting in PS units. The model was designed in five levels and includes eight dimensions, namely leadership, budgeting and financial planning, financial leadership and supervision, efficiency and effectiveness, rules and regulations, financial reporting, human capital and information technology. This model can be used as a basis for assessing the performance of PS units and to implement good governance in organizations. This model is applicable to all developing countries that utilize the revised International PS Accounting Standards and seek to establish a new PS management approach and performance-based budgeting. [ABSTRACT FROM AUTHOR]

State government's role in monitoring local governments' fiscal distress gained importance after several local financial crises. Although many states have implemented state monitoring systems, the effectiveness of these systems has not been well understood. Using the case of the New York State, we conducted a regression discontinuity analysis to examine the effect of fiscal stress labeling on local governments. We find some evidence to support that fiscal stress labels lead local governments to improve their fund balance and cash positions. Specifically, school districts at the early stage of fiscal stress are more responsive to the labels than districts under more severe fiscal stress. [ABSTRACT FROM AUTHOR]

Background: As primary care is an important infrastructure for the entire health system, the employment structure choices of family physicians—whether to work in a managed care organization or be self-employed, can impact all effectiveness parameters of healthcare: quality, access, health equity, patients' experiences, and cost-effectiveness. The aim of this study is to assess the push and pull factors influencing family physicians' employment choices. Methods: This study employed a qualitative approach to explore the experiences of family physicians (FPs) who choose to work a self-employment practice. We conducted semi-structured interviews with twenty-seven self-employed FPs in Israel, selected through purposive and snowball sampling. The interviews were conducted via Zoom, recorded, and transcribed verbatim. Data analysis followed thematic analysis framework. The analysis yielded 10 themes, which were organized into two categories: pull and push factors. Results: Pull factors, i.e., factors that attract family physicians to become self-employed, included professional self-fulfillment, higher income, professional and business autonomy, working with secretaries according to one's personal choice, designing the space of the clinic, and flexibility in working hours. Push factors, i.e., factors that demotivated family physicians to work under managed care and pushed them to choose self-employment included low control over the work environment, workload, decreased professional and organizational autonomy, managerial pressures on quality measures, engagement in marketing activities, and tensions with non-medical staff in the Health Maintenance Organization. Conclusions: There are obvious implications of this work for Health Maintenance Organizations' policy makers. Balancing managerial pressure and tensions between family physicians and non-medical administration and ensuring suitable working conditions increased physicians' control over the work environment, and professional autonomy may decrease push factors and retain family physicians as Health Maintenance Organization-employed. Understanding pull factors may help to develop a strategy for maximizing cooperation with self-employed family physicians and reinforce physicians' linkage to the healthcare system's treatment objectives. [ABSTRACT FROM AUTHOR]

From a financial perspective, a company is highlighted by means of two major informational components, namely assets and results. While assets define the entity in terms of resources and their forms of use, the results bring to the forefront the performance-generating structures, either favorably or unfavorably. Accounting faithfully reflects the reality of the company in terms of assets and results. These informational components, highlighted in their dynamics, are meant to serve managerial decisions. In this respect, the financial management manifests itself in a dynamic manner. According to the allocation and use of resources over a longer or shorter period than a financial year, the financial management is divided into a long-term component and a short-term component. The first predominantly focuses on permanent capital and fixed assets, while the latter focuses on operating liabilities and inventories. This paper aims to present the specifics of financial management, both on the long-term and on the short-term, in the case of a company in the pharmaceutical sector.

Financial literacy as a key element of ensuring sustainability and stability of economic systems is becoming important in the process of economic development. Financial literacy contributes to improving the well-being of citizens and the efficiency of financial resource management at the macro level. Thus, the purpose of the present study was to develop models for evaluating the effectiveness of various financial literacy strategies and their impact on the formation of life projects. A complex of scientific methods, including the analysis of statistical data and modelling of financial behaviour, was used to create a strategic model of financial literacy as a concept of a life project. A methodological approach, encompassing the decomposition of the stages of a person’s life and the identification of the peculiarities, connected with the use of money at each of these stages, was implemented in the research. Approaches to financial literacy focused on various forms of interaction with financial resources were suggested, and effective strategies for improving financial literacy were identified. The concept of financial literacy was examined and specified through the lens of knowledge, skills, and confidence for making responsible financial decisions. The advantages and disadvantages of developing financial literacy in Ukraine were identified, and examples of successful strategies of leading countries were provided. The importance of financial education at different stages of a person’s life was substantiated; the key periods of a person’s life and development, when money can act as earnings, expenses, accumulation, preservation, and transfer, were specified. The assessment of the influence of financial literacy on economic behaviour was carried out, and a life project model that takes into account financial decisions and actions was developed. Monetary models of preservation and accumulation of parental income, pocket money, and earnings from employment were considered in detail. The results of this study can be applied in practice when creating a state strategy aimed at increasing the level of financial literacy of the population and ensuring economic security

In the context of growing economic uncertainty, capital structure optimization is becoming a critical tool for minimizing financial risks, providing companies with the necessary stability and adaptability in modern conditions. This paper aims to develop theoretical foundations for the existing capital structure optimization methods and elaborate an optimal capital structure formation strategy to ensure companies’ financial stability and flexibility in conditions of high financial uncertainty. The article offers a stabilization-flexible approach to optimizing companies’ capital structure in financial instability and crises, making it possible to ensure the companies’ financial stability while preserving their ability to adapt to a volatile environment quickly. The main idea of the approach is the balanced use of equity capital and long-term and short-term liabilities to finance various components of assets, which helps to minimize risks and increase the efficiency of financial management. A roadmap for the implementation of the stabilization-flexible approach to optimizing the capital structure has been formed, the basis of which is the construction of a logical chain of actions, including the definition of companies’ goals, the assessment of available financial resources and risks, and the development of financing strategies, their implementation, further control and monitoring of results. The study results can be helpful for financial managers, analysts, and investors seeking to improve the efficiency of capital management and reduce the impact of external and internal risks on the financial condition of companies.

The purpose of the study is to deepen the theoretical and methodological foundations and improve the practical recommendations regarding the financial management of companies in modern economic conditions. Results. Thus, it can be argued that modern crisis management of enterprises should be preventive in nature and be carried out in anticipation of negative crisis phenomena that lead to a loss of financial stability and solvency. According to the authors, the changing market environment creates an objective need to consider crisis management not as a one-time problem-oriented action, but as a continuous process, since it is known that it is easier to prevent a problem than to eliminate its consequences. It is evident that the practical implementation of management decisions necessitates the availability of appropriate sources of funding. These can be mobilised through the effective functioning of the financial mechanism, which comprises financial methods, financial levers, regulatory and information support. The efficacy of crisis management in enterprises hinges on the sufficiency of financial resources, which in turn depends on the selection of an appropriate method and instrument. Hence, the issue of optimal choice and feasibility of using financial methods in the context of crisis management of enterprise is a promising area for further research. The economic performance of the private company (PС) for the period 2021-2023 is positive, with an acceptable level of profitability. There is a threat of financial risk for the PС due to an increase in the amount of funds raised. At the same time, equity's manoeuvrability is increasing, indicating effective management of financial flows. Despite certain downward trends in the financial condition, the company has a significant margin of safety due to the fact that fixed costs are 21% or more. It follows that the main objective of financial management is to ensure growth in net income and profit, which can be achieved by increasing the production of veterinary drugs, growing sales of feed additives and providing services. Consequently, the most pressing objective of financial management at PC "O.L.KAR.-AgroZooVet-Service" is to enhance revenue generation and align financial flows. Methodology. The article develops methods of financial management of an enterprise, which envisage identification, analysis and development of models of anti-crisis management. Value / Originality. The management of the enterprise of wholesale trade in intermediate products is currently considered one of the most important and complex areas of activity and requires detailed consideration from the point of view of financial activity. The results of financial activity of PC "О.L.KAR.-AgroZooVet-Service" prove its efficiency. However, there is a clear tendency towards a certain complication of the efficiency of work, which is mainly connected with the influence of military events, the crisis state of the economy in general, the divergence of the trends in the price of the company's products and its costs, and fluctuations in the exchange rate. At the same time, the management of the PC conducts a financial policy aimed at development, accumulating profits in its capital and providing the necessary funds for the development of the company's fixed assets. Therefore, measures of anti-crisis management of the enterprise are proposed after calculating the bankruptcy model of the enterprise. Prospects for further research are related to the development of optimal solutions for managing the finances of business entities in Ukraine. Summing up the above, it can be noted that during the analysed period, the financial condition of a private enterprise did not deteriorate significantly: the company makes profits, but the indicators of financial stability and solvency attract special attention. Guided by these instructions and instructions for increasing the level of financial stability and improving financial management, PC "О.L.KAR.-AgroZooVet-Service" will maintain a stable and competitive level of financial and social activity on the market under proper financial management under the management, even in difficult times of martial law in Ukraine.