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Purpose – This study seeks to explore the impact of economic hardship on levels of couple conflict.

Methodology – We make use of data from the Michigan Spring 2010 State of the State survey to explore the degree to which Michiganians experience financial hardship and unemployment, which demographic and social characteristics are associated with such hardship, and the impact of hardship on the degree of conflict experienced by couples.

Findings – We find that a considerable percentage of Michiganians report financial challenges such as having difficulty paying bills or experiencing food insecurity. Moreover, financial difficulties do have an impact on the well-being of families. Specifically, we find that those who report higher levels of financial hardship or who have difficulty paying their bills also report higher levels of conflict within their marital or cohabiting relationship.

Social implications – This study suggests that, during times of widespread financial difficulties, the experience of unemployment and associated financial hardship can have a noteworthy impact on familial well-being. This suggests social programs like food assistance and unemployment benefits are important, in that they may alleviate some of the hardship experienced by so many families. Also, low-cost counseling may help couples to navigate the stresses in their relationship.

Originality/value of the chapter – This chapter makes use of quality data from the state of Michigan, which has experienced a poor economic climate for more than a decade. The state serves, in many ways, as an ideal case in which to explore such issues.

Purpose – This chapter presents research on determinants of economic hardship and the effect of economic hardship on marital quality in two social contexts in Croatia: postwar recovery period (Study 1) and economic recession starting in 2009 to present (Study 2).

Methodology/approach – In Study 1 the sample consisted of 505 married couples (quota sample of Zagreb and neighboring villages). In Study 2 the sample consisted of 850 married couples (quota sample of Zagreb and 14 regions in Croatia). We have used the SPSS 18 Mixed Linear Model approach for data analysis. A number of variables representing individual characteristics of marital partners were entered as level 1. A number of variables representing marital dyad (duration of marriage, size of the family) were entered as level 2.

Findings – The variables of education, employment status, and size of the family turned out to be most predictive for economic hardship in both studies. Also, in both studies economic hardship turned out to be a very important predictor of marital quality.

Research limitations – The limitations of the studies are the absence of longitudinal approach and a probability sample.

Social implications – The studies carry important social implications showing that in the absence of government or community social support, partners’ social support could moderate negative effect of economic hardship on marital quality. We assume that this conclusion could be generalized to other social contexts as well.

Originality/value of chapter – The strength and originality of the studies was in multilevel approach in data analysis and treating marital partners as a dyad.

This paper examines several measures of poverty and hardship for the United States to illustrate how a single measure of poverty may identify different groups of people as “in need.” Individuals and families may encounter difficulty meeting needs on many dimensions and there are a variety of measures designed to identify those who experience poverty or difficulty making ends meet. In general, there is agreement that all of the approaches capture different pieces of the puzzle while no single indicator can yield a complete picture. To understand this multidimensional aspect of poverty, several measures are examined in this paper: the official U.S. poverty measure, a relative poverty measure, a new supplemental measure that follows recommendations of the U.S. National Academy of Sciences (NAS), an index of material hardship, a measure of household debt, and responses to a question about inability to meet expenses. This study uses the 2008 panel of the Survey of Income and Program Participation (SIPP) and updates a similar analysis that used the 1996 panel of SIPP (Short, 2005). The SIPP is a longitudinal survey that allows us to examine all of these various indicators for the same people over the period from 2009 to 2010. The study uses regression analysis to assess the relationship among several indicators of economic hardship. Results suggest that an understanding of relationships between various indicators can allow only one indicator of poverty alone to be interpreted more appropriately and used more wisely to target the needs of the disadvantaged.

This paper aims to clarify under which conditions, and via what mechanisms, power asymmetry is likely to affect team learning. This work is part of a two-paper series. Part I presents the theoretical arguments linking power asymmetry to team learning via egalitarianism and the moderating role of environmental hardship. In Part II, the authors provide an empirical evaluation of the conceptual model presented in Part I.

Data was gathered on 4,637 military personnel nested in 143 ongoing teams. Multiple regression analysis was used to analyze the proposed moderated mediation model. The results show that under higher levels of environmental hardship, teams with higher power asymmetry (greater hierarchy) show greater team egalitarianism and higher team learning.

The results show that under higher levels of environmental hardship, teams with higher power asymmetry (greater hierarchy) show greater team egalitarianism and higher team learning.

The empirical examination of the proposed relationships is based on a large sample of military teams in the real world. Future research would benefit from testing the model on different samples across industries and adopting different operationalizations for environmental hardship relevant to each industry.

This work provides insights to help practitioners to preserve the coordination benefits of hierarchy, while still promoting more egalitarianism and team learning in hierarchical teams.

Financial threat is defined as fearful-anxious uncertainty regarding one’s current and future financial situation. The purpose of this paper is to examine predictors and outcomes of financial threat in two samples of students who completed an online questionnaire for course credit. The theoretical model the authors proposed tested the association between personal debt, anxiety, and economic hardship with financial threat, and in turn, financial threat’s relationship with willingness to change financial behavior (e.g. increase income, cut expenses, and reduce debt), job search activity, and psychological distress. Consistent across samples, structural equation modeling (SEM) revealed that the data fit the model and supported all four hypotheses. Debt, economic hardship, and anxiety were all related positively to financial threat, which itself related positively to willingness to change, job search, and psychological distress. Importantly, financial threat mediated the relationship between these economic-situational predictors and affective-behavioral outcomes of financial stain. Theoretical and practical implications of the findings are discussed.

Using an online questionnaire, participants completed measures of economic hardship, intolerance of uncertainty, job search behavior, financial threat, life satisfaction, general health, perceived stress, and willingness to change to financial behavior. The authors developed and tested a model that explores emotional and cognitive reactions to financial stressors following the recession.

Results of SEM revealed that the data fit the model and no modification indices were suggested. Examination of parameter estimates indicated that total debt, economic hardship, and anxiety were positively related to financial threat. Financial threat, in turn, positively related to willingness to change one’s financial behaviors, job search, and psychological distress. In addition, economic hardship and anxiety were positively related to psychological distress. That is, individuals who were feeling more threatened by their financial situation were more willing to change their financial situation and were more likely to engage in job search behavior. They were also more likely to report more psychological distress than individuals reporting lower levels of financial threat.

This study was cross-sectional and therefore precludes causal interpretations of the findings. Longitudinal data with repeated assessments of all measures would help determine the direction of causation. Also, the study relied on self-report data, which is prone to bias. For example, it is possible that some participants did not know their exact debt levels, which may have resulted in an under- or overestimation of debt levels. Future research should extend this line of research using objective measures. While the model tested in this study examined the impact of economic factors on perceived threat, behavior, and psychological distress, it did not include social and psychological resources. For example, the authors did not include measures of social support, coping, or personality, which may moderate the impact of economic variables and stress on psychological distress. Although financial knowledge/literacy was not studied here, future research could include it since it has been associated with a variety of financial behaviors such as cash-flow management, credit management, saving, and investing. There is some evidence that financial literacy can decrease emotional stress and anxiety (Vitt et al., 2000).

The current study can help researchers and practitioners understand the concept of financial threat among university students. For example, if students have incurred student loans and debt and begin displaying symptoms of distress, like anxiousness, worry, and irritability, they could be referred to a professional experienced in working with emotional and behavioral disorders related to financial issues. It can also help practitioners gain an understanding and insight into clients’ poor financial decision making. Government could initiate programs that help individuals cope with the negative effects of unemployment. Given that young people are experiencing disproportionately high unemployment that can have a lasting adverse effect on employment prospects and future earnings, the current post-secondary curriculum needs to prepare young people for the world of work, and gain a footing in the labor market. One way to achieve this is through high-quality work experiences (e.g. internships/apprenticeships). Identifying ways to mitigate the effects of debt and economic hardship is also imperative. For example, money and debt advice may improve one’s financial circumstances, which, in turn, may improve their physical and psychological well-being.

Future studies could focus on developing models predicting to financial stress using personality, psychological resources, and an objective measure of financial knowledge. Despite these limitations, this research demonstrates how emotional factors need to be included in economic models that also include debt and economic hardship. The study contributes to the economic and psychological literature by documenting how economic hardship and debt influence perceptions of threat, planned behavior, and psychological distress. The authors take a unique approach to describing economic hardship and financial threat as antecedents of distress, job search, and willingness to change. Future research could be directed toward employing the model for predicting behavior that would lessen economic stress and thereby leading to increased psychological well-being.

The study develops and tests an original theoretical model linking financial, emotional, and psychological variable in a comprehensive framework that is then tested empirically. This model is original with this paper.

With the objective of developing an evidence‐based corporate responsibility program aligned to core business functions, this article aims to outline the review process undertaken by AGL in identifying the long‐term focus for new strategic partnerships. It also seeks to lay the foundation for AGL to better assess the outcomes of the program in the future.

In undertaking the review, AGL drew on employee surveys, stakeholder consultation, sustainability indicators and new research on the demographics of customer hardship. Core focus points of financial hardship and household safety were identified as priorities for the program and new long‐term partnerships were developed to specifically address these causes.

The research underscores the priority placed by AGL on the development of long‐term strategic charity partnerships and the integration of various components of the program including employee giving, volunteering and specific targeted initiatives.

There is greater scope to expand on the foundations laid in the paper, in particular to explore outcomes‐based measurement techniques as they are applied to community investments and employee engagement.

The paper outlines the potential benefit of developing an evidence‐based strategic approach to charity partnerships, which can be integrated with employee engagement opportunities.

This paper is intended to contribute to building the body of knowledge for the implementation of integrated, evidence‐based corporate responsibility programs. In particular, the authors hope that the framework provided in the paper can outline the practical steps companies can take in developing targeted, long‐term partnerships, moving towards outcomes‐based assessment.

What makes managers choose to continue taking classes and seminars to further their management development? In the past twenty years, motivated and behavioural theory has been applied to the career decision‐making process in management development. Two approaches, expectancy theory and, to a lesser extent, justification processes have been investigated. The major difference between the two approaches is that expectancy theory suggests that managers are primarily forward‐looking in their careers and management development, whereas justification takes the position that managers attempt to make present career behaviours consistent with past career actions.

The purpose of this paper is to investigate the association between social capital (SC) and health care access problem among the older people in Bangladesh.

This study applied a random sampling method to select 310 older adults (all aged 60 years) in Bangladesh. Exploratory factor analysis was employed to extract SC dimensions. Logistic regression was applied to measure the association of SC dimensions and access.

The logistic regression result shows that with a one-unit increase in social network, norms of reciprocity, and civic participation, health care access problem will be decreased by OR= 0.732 (95% CI =0.529–1.014); OR=0.641 (95% CI = 0.447–0.919); and OR=0.748 (95% CI = 0.556–1.006) units. Respondents who have economic hardship were 3.211 (OR=3.211, CI = 0.84–5.59) times more likely to say that they had health care access problem compared with who had no economic hardship.

The study showed that the lower level of SC and presence of economic hardship increased the probability to health care access problem among the older people. Improving SC may be helpful in reducing health care access problem. However, economic hardship reductions are also important to reduce the health care access problem. Improving SC and reducing economic hardship thus should be implemented at the same time.

The study showed that low SC and economic hardship increased the probability to health care access problem. Improving SC may be helpful in reducing health inequity. However, economic hardship reductions also important to health care access. Therefore, improving SC and reducing economic hardship should be implemented at the same time.

This study has a great policy importance in regard to reducing health care access problem among the older adult in Bangladesh as SC has a potential to bring about a concomitant improvement in the condition of the health care access.

This paper aims to understand the effects of team power asymmetry (hierarchy) on team learning.

Literature suggests that power asymmetry can hurt team learning due to unequal interactions. The authors integrate the situated focus theory of power and the theory of adversarial growth to propose that environmental hardship can moderate this relationship. Such that, under environmental hardship there is a shift in power relations within hierarchical teams, such that power asymmetry positively relates to team learning via increased team egalitarianism (interactional equality).

The study is presented in two parts. Part 1 reviews the literature and builds the theoretical arguments for the conceptual model, while Part 2 empirically examines the model on a sample of military teams. In Part 1, the authors propose a theoretically derived model and directions for future research in team power, dynamics and learning.

It provides directions to empirically validate a contingency-based model to resolve the dilemma of creating equality and high levels of team learning in hierarchical teams.

The conceptual model and hypotheses contribute to the team learning literature by theoretically clarifying the conditions under which power asymmetry is likely to improve team learning.

Aging has detrimental effects on elders due to their physical health and financial hardship. Elders face neglect, insult and abuse in society due to causes related to physical health and financial issue from caregivers. This study aims to identify the measures of physical health and financial hardship and classifies elders under neglect, insult and abuse categories.

The propositions of existence and classifying elders under neglect, insult and abuse categories were tested by using discriminant analysis and their profiling was done by perceptual mapping technique.

The elder neglect category identified as a prominent category due to physical health while elder insult and abuse were caused by physical health and financial hardship both. The present study portrays the multi-dimensional facets related to elders’ ill-treatment. The elder’s ill-treatment categories were profiled to imply the measure of elevating elders’ dignity and care at a personal level and society at large.

This study classifies elders under neglect, insult and abuse categories. This classification may facilitate the medical practitioners, academicians and government and non-government social welfare agencies in understanding elder abuse with new perspectives.