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Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions.

This sample is composed by the data of personal loans transactions of a Brazilian credit union.

The analysis reveals that the use of statistical methods improves significantly the predictability of default when compared to the use of subjective techniques and the superiority of the random forests model in estimating credit scoring and profit scoring when compared to logit and ordinary least squares method (OLS) regression. The study also illustrates how both analyses can be used jointly for more effective decision-making.

Replacing subjective analysis with objective credit analysis using deterministic models will benefit Brazilian credit unions. The credit decision will be based on the input variables and on clear criteria, turning the decision-making process impartial. The joint use of credit scoring and profit scoring allows granting credit for the clients with the highest potential to pay debt obligation and, at the same time, to certify that the transaction profitability meets the goals of the organization: to be sustainable and to provide loans and investment opportunities at attractive rates to members.

This study aims to understand how online weight loss services could help customers achieve a durable change. The particular focus is on exploring the roles of value co-creation and well-being outcomes in reinforcing the transformative value potential, which is argued to be realized as customers’ intentions to continue a healthier lifestyle after the service period has ended.

Data was collected from the participants of an online weight loss service (n = 498), and a conceptual research model was tested using structural equation modelling.

The results imply that compliance with the guidelines and social support are two value co-creation activities that can influence the well-being outcomes of transformative services (i.e. perceived behavioral control and satisfaction with one’s achievements). These well-being outcomes help attain the transformative value potential of online weight loss services. However, the actual weight loss affected the transformative value potential only through customers’ satisfaction with their achievements as a subjective well-being outcome.

This study provides insight into the transformative value potential of services in the weight loss context. This study contributes to the transformative service research by focusing on the role of online services in reinforcing a durable change through the co-creation of value and improvements in customers’ well-being.

This chapter aims to shed light on the role that a sustainable orientation plays in strengthening the relationships between global consumers and online brands. Despite many previous studies about the importance of sustainability considerations for national consumers’ brand commitments and purchase intentions, there is a lack of empirical studies focussing on this relationship from a global consumer perspective. A pre-study (consisting of focus group discussions) and a widely distributed international survey with responses from 74 countries show mixed results. Whereas the results from the focus groups imply that a sustainable orientation influences both global consumers’ purchase intentions and brand commitments towards online brands, the survey results imply that global consumers’ sustainable orientations do not affect purchase intentions directly, even though they influence brand commitments. An implication of these results is that an international online brand’s possibility to portray a sustainable orientation plays an important role in strengthening the relationship with global consumers, especially regarding brand commitment.

Global climate change characterized by an increase in temperature has become the focus of attention all over the world. China is a sensitive and significant area of global climate change. This paper specifically aims to examine the association between agricultural productivity and the climate change by using China’s provincial agricultural input–output data from 2000 to 2019 and the climatic data of the ground meteorological stations.

The authors used the three-stage spatial Durbin model (SDM) model and entropy method for analysis of collected data; further, the authors also empirically tested the climate change marginal effect on agricultural productivity by using ordinary least square and SDM approaches.

The results revealed that climate change has a significant negative effect on agricultural productivity, which showed significance in robustness tests, including index replacement, quantile regression and tail reduction. The results of this study also indicated that by subdividing the climatic factors, annual precipitation had no significant impact on the growth of agricultural productivity; further, other climatic variables, including wind speed and temperature, had a substantial adverse effect on agricultural productivity. The heterogeneity test showed that climatic changes ominously hinder agricultural productivity growth only in the western region of China, and in the eastern and central regions, climate change had no effect.

The findings of this study highlight the importance of various social connections of farm households in designing policies to improve their responses to climate change and expand land productivity in different regions. The study also provides a hypothetical approach to prioritize developing regions that need proper attention to improve crop productivity.

The paper explores the impact of climate change on agricultural productivity by using the climatic data of China. Empirical evidence previously missing in the body of knowledge will support governments and researchers to establish a mechanism to improve climate change mitigation tools in China.

In the recent dynamic market, supply chain disruptions are rapidly increasing with varied customer demand, technological changes, uncertain pandemic events etc. To overcome the unexpected disruptions, supply chain of each business should be resilient and pharmaceutical supply chain (PSC) is no exception. Motivated by the challenges and unexpected pandemic disruptions, this paper aims to examine the performance indicators (PIs) of the resilient PSC and to predict the resilience level for a certain time period in the context of Bangladesh.

The aim of this paper presents a structured framework based on the Delphi method, fuzzy DEMATEL (Decision Making Trial and Evaluation Laboratory) and system dynamics (SD). The proposed methodology was validated using expert's inputs from the relevant field in Bangladesh. This study reveals the influential relationships of indicators and resilience level using fuzzy DEMATEL and SD to improve the resiliency.

Findings revealed that “Supply chain risk orientation”, “Visibility”, “Flexibility”, “Agility in supply chain” and “Collaboration” are the top five influential performance indicators for resilient PSC. The cause and effect relationship found that “IT capability”, “Flexibility”, “Supply chain network design”, “Resource availability”, “Supply chain risk orientation” and “Velocity” were in cause category which play a vital role for establishing resilient supply chain. SD approach has developed a model for predicting the resilience level of the supply chain.

This work is one of the initial contributions in the literature that has targeted on the identification and analysis of the significant PIs and predicting the resilience level of the PSC.

Broadly understood as repeated, intentional, and aggressive behaviors facilitated by digital technologies, cyberbullying has been identified as a significant public health concern in Australia. However, there have been critical debates about the theoretical and methodological assumptions of cyberbullying research. On the whole, this research has demonstrated an aversion to accounting for context, difference, and complexity. This insensitivity to difference is evident in the absence of nuanced accounts of Indigenous people's experiences of cyberbullying. In this chapter, we extend recent critiques of dominant approaches to cyberbullying research and argue for novel theoretical and methodological engagements with Indigenous people's experiences of cyberbullying. We review a range of literature that unpacks the many ways that social, cultural, and political life is different for Indigenous peoples. More specifically, we demonstrate there are good reasons to assume that online conflict is different for Indigenous peoples, due to diverse cultural practices and the broader political context of settler-colonialism. We argue that the standardization of scholarly approaches to cyberbullying is delimiting its ability to attend to social difference in online conflict, and we join calls for more theoretically rigorous, targeted, difference-sensitive studies into bullying.

Models of Child Health Appraised (MOCHA) defines school health services (SHSs) as those that exist due to a formal arrangement between educational institutions and primary health care. SHSs are unique in that they are designed exclusively to address the needs of children and adolescents in this age group and setting.

We investigated SHSs have been provided to schools and how they contribute to primary healthcare services for school children. We did this by mapping the national school health systems against the standards of the World Health Organization, and against a framework measuring the strength of primary care, adapting this from an existing, adult-focused framework.

We found that all but two countries in the European Union and European Economic Area have SHSs. There, however, remains a need for much greater investment in the professional workforce to run the services, including training to ensure appropriateness and acceptability to young people. Greater collaboration between SHSs and primary care services would lead to better coordination and the potential for better health (and educational) outcomes. Involving young people and families in the design of SHSs and as participants in its outputs would also improve school health.

This study aims to examine the process of value co-creation (VCC) on digital ecotourism platforms and the role of perceived platform usefulness and user participation behavior in that process. The study also seeks to determine the extent to which the typology of the ecotourist moderates VCC.

A total of 420 users of a digital ecotourism platform participated in a study analyzing the factors that influence VCC. A mediation, moderation and conditional process analysis was used to test the proposed hypotheses. A K-means cluster analysis was also used to classify the ecotourists into four groups.

The results show that perceived platform usefulness has a strong influence on the generation of VCC and also on user participation behavior. In turn, user participation behavior is an important driver of VCC. This study also highlights the moderating role of the ecotourist typology in the formation of VCC on these digital platforms.

This study offers managers of digital ecotourism platforms a means to identify and motivate those ecotourists with the necessary skills and characteristics to become true co-creators of value.

This study contributes to the existing knowledge on how value is co-created on digital ecotourism platforms, confirming the important antecedent role of perceived platform usefulness and user participation behavior, as well as the moderating role of ecotourist typology.

El propósito de este estudio es examinar el proceso de co-creación de valor (VCC) en las plataformas digitales de ecoturismo y el papel de la utilidad percibida de la plataforma y el comportamiento de participación de los usuarios. El estudio también pretende determinar en qué medida la tipología del ecoturista modera la VCC.

420 usuarios de una plataforma digital de ecoturismo participaron en un estudio que analizaba los factores que influyen en la co-creación de valor. Se utilizó un análisis de mediación, moderación y proceso condicional para probar las hipótesis propuestas. También se utilizó un análisis de conglomerados K-means para clasificar a los ecoturistas en 4 grupos.

Los resultados muestran que la utilidad percibida de la plataforma tiene una fuerte influencia en la generación de VCC y también en el comportamiento de participación del usuario. A su vez, el comportamiento de participación del usuario es un importante impulsor de la VCC. El estudio también destaca el papel moderador de la tipología ecoturística en la formación de VCC en estas plataformas digitales.

El estudio ofrece a los gestores de plataformas digitales de ecoturismo un medio para identificar y motivar a aquellos ecoturistas con las habilidades y características necesarias para convertirse en verdaderos co-creadores de valor.

Este estudio contribuye al conocimiento existente sobre cómo se co-crea valor en las plataformas digitales de ecoturismo, confirmando el importante papel antecedente de la utilidad percibida de la plataforma y el comportamiento de participación de los usuarios, así como el papel moderador de la tipología del ecoturista.

本研究的主要目的是考察数字生态旅游平台上的价值共同创造（VCC）过程, 以及感知平台有用性和用户参与行为在该过程中的作用。该研究还试图确定生态旅游者的类型在多大程度上调节了VCC。

一个数字生态旅游平台的420名用户参与了一项研究, 分析影响价值共同创造的因素。使用调解、调节和条件过程分析来检验所提出的假设。还使用了K-均值聚类分析, 将生态旅游者分为4组。

结果显示, 感知的平台有用性对VCC的产生有很大影响, 也对用户的参与行为有很大影响。反过来, 用户参与行为也是VCC的一个重要驱动因素。该研究还强调了生态旅游者类型学在这些数字平台上形成VCC的调节作用。

该研究为数字生态旅游平台的管理者提供了一种识别和激励那些具有必要技能和特征的生态旅游者成为真正的价值共同创造者的手段。

本研究对数字生态旅游平台上如何共同创造价值的现有知识做出了贡献, 证实了感知平台有用性和用户参与行为的重要前因作用, 以及生态旅游者类型学的调节作用。