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Are financially illiterate individuals all the same? This study aims to answer this question. Specifically, the authors investigate whether people answering incorrectly and “do not know” to the big five questions about financial knowledge (FK), all identified by previous literature as financially illiterate, are two sides of the same coin, or rather individuals with different socio-economic and demographic characteristics, and whether this leads to different levels of risk of falling victim to financial fraud.

Using a large and representative sample of Italian adults, the authors run both ordered probit and probit regressions to test the determinants of financially illiterate individuals, distinguishing between those answering FK questions incorrectly and those answering “do not know”. The authors also measure the probability of falling victim to financial fraud for the two groups. To check the robustness of our results, the authors run a multinomial regression, a structural equation model and an instrumental variable regression model.

The authors demonstrate that the socio-demographic and socio-economic characteristics of individuals selecting incorrect responses to FK questions are different from those of individuals selecting the “do not know” option. Moreover, the results show that the former are more likely to be victims of financial frauds.

The “one-size-fits-all” approach is not suitable for financial education. It is important to consider socio-demographic and socio-economic characteristics of individuals in order to identify specific targets of education programmes aiming to reduce insecurity and excessive self-confidence as well as to increase objective FK. The study’s findings also identify vulnerable groups to which financial fraud prevention schemes should be targeted.

To date, financial illiteracy has been measured as the sum of incorrect and “do not know” responses given to FK questions. This approach does not allow to observe the socio-demographic and socio-economic differences between people choosing the “do not know” option and those answering incorrectly. The paper aims to overcome this limit by investigating the socio-demographic and socio-economic characteristics of individuals selecting “do not know” and incorrect responses, respectively. The authors also investigate whether the two groups have different probabilities of being victims of financial fraud.

A meta-study covering the past decade maps the development of Norwegian municipal planning, climate adaptation and institutional vulnerability towards climate change. This paper aims to explore the implementation of climate adaptive changes in Norwegian legal planning and building framework into municipal practice and policy instruments from 2007 to 2016. The study is planned to answer the question: what drivers ensure increased municipal efforts in their climate adaptive planning and building practice?

The paper presents empirical findings from two qualitative research projects, each with nine interviews of municipal key personnel within three municipalities’ planning and building services and an ongoing qualitative, expert interview-based study (eight individual/group interviews).

Risk reduction and climate resilience are still unsatisfactorily attended in many Norwegian municipalities. There is a gap between political and administrative levels in communicating bilateral expectations and needs for incorporation of climate adaptive measures. Policy instruments maintaining climate adaptation are in demand by different building process actors. Yet, extreme weather events seem to be the main drivers for actual implementation of climate change aspects into municipal policy instruments. Networking, both within and between municipalities, is an important strategy for learning climate adaptation.

Both globally and in Norway, the focus on climate change impacts is steadily increasing. Municipal risk and vulnerability analyses are statutory, as is the incorporation of the results into local plans at appropriate levels.

The originality of this paper is the meta-perspective over the past decade, the qualitative approach and the use of environmental psychology theories.

Farmers all over the country have been exposed to various adaptation strategies to climate change. The adaptation options however focus too closely on technical skills and technologies and fail to address critical social factors such as culture, beliefs and values that influence the adoption and effective implementation of new adaptation technologies, skills and capacity. This paper aims to assess the socioeconomic factors influencing farmers’ specific adaptive strategies to climate change in Pwalugu and Balungu communities in the Talensi district of the Upper East Region of Ghana. This study used purposive sampling technique to select the study communities, whereas simple random sampling technique was used to select a total of 100 respondents from the selected communities. Questionnaires, key informant interviews and focus group discussions were used in collecting data from respondents. This study used detailed statistical test to analyze the data, and the results are presented in the form of figures and tables. This study highlights the legal and institutional context which must be adopted for effective response to climate change impacts in rural communities in Northern Ghana. It also recommends that government and relevant stakeholders should collaborate with financial institutions to ensure that funds are readily available to farmers to enable them to effectively adapt to climate change as well as provide training/workshop programs to farmers to enhance their capacity in planning and implementing effective strategies to climate change.

This study used the integrated methodological approach where quantitative methods were combined with appropriate qualitative methods. According to Sandelowski (2000), this method ensures reliability (the extents to which results are consistent over time) and validity (the means of which measurements are accurate) of the research. A combination of participatory methods, including key informant interviews, household questionnaire surveys and focus-group discussions were used, allowing local people the opportunity to participate by sharing their experiences and knowledge to outline possible solutions to the problem at hand. Multiple methods (Yeasmin and Rahman, 2012) are good at reducing the inadequacies of a single method. Cross-sectional study was used in designing the research. Variables were measured or determined at the same period in a given population. This method allowed the assessment of practices, attitudes, knowledge and beliefs of a population in relation to a particular event or phenomenon (Olsen and George, 2014).

The findings of this study revealed farming as the major occupation in the two communities with males being dominant. Diverse livelihood activities such as fishing, animal/poultry rearing, firewood/charcoal production, hunting and driving were other activities respondents engaged to earn a living. In terms of institutional arrangements, avoidance of bush burning and tree felling were the norms influencing decision-making in the two communities. Fear of being punished, animals feeding on some of the grasses, trees inducing rainfall as well as benefits respondents get from trees were the reasons these norms were adhered to in the study area. Access to land, gender dynamics and finance were identified as the socioeconomic factors in the study area. High demands by landowners, last minute change of mind by landowners, limited fertile lands, lack of money to acquire lands, behavior of tenants, number of acres required and lands far from water bodies were the challenges associated with acquiring land in the communities. Access to finance influenced respondents’ ability to acquire fertile lands, lands closer to water bodies and any number of acres of their choice. Gender however impeded women adaptation strategies to climate change. Women were not allowed to own land and other property in the form of animals simply because they are seen as migrants and they do not know the history of the land.

This is a master’s thesis project. This paper shows the socioeconomic factors, which are influencing farmers’ specific adaptation to climate change in the Talensi district of Ghana.

Modern careers are marked by periods of feeling betwixt, or “in-between,” – yet, there is no validated measure of this experience, recognized as subjective liminality. The present research aims to (1) operationalize subjective liminality and (2) develop and validate a scale to measure it.

A literature review was used to operationalize subjective liminality, and the scale validation was performed using four separate samples: 150 workers on M-Turk, 151 graduate and professional students at a large Midwestern University, 252 unemployed individuals in the US and Canada, and 416 full-time employed individuals in the US.

Subjective liminality was conceptualized as a second-order latent construct reflected by three dimensions: feelings of anxiety, ambiguity and reduced group identification. A 9-item scale was developed and validated to measure it.

This study clarifies and measures an emergent construct in the career transition and organizational change literature.

The purpose of this paper is to focus on an information technology (IT) deployment project in the specific field of agricultural cooperatives. It also aims to underline the importance of the IT implementation phase, but also the pre-implementation phase.

A four-year canonical action research project was conducted within a network of more than 300 agricultural cooperatives. Research was carried out both during the IT implementation and after deployment. Key information was gathered through unstructured and unofficial interviews, observations, field notes, meetings, focus groups, and documentary analysis.

Despite user resistance behavior, the findings show that information systems (IS) implementation may lead to unexpected results that extend beyond the tool’s initial objectives. Indeed, four hidden facets of the tool were revealed: inductor, symbol, pretext, and reference.

Although the research is limited to one single-case study, it puts the emphasis on in-depth research, vs cross-sectional data collection, to analyze the relationship between IT implementation initiatives and organizational intelligence. Furthermore, the authors argue that while IS literature has separately developed related theories (actor-network theory, competitive intelligence), the authors conceptualize a whole theoretic system interrelating the two above-stated theories.

The implication for IS practitioners is that, by focusing only on experiences that have occurred during IT implementation, one may disregard critical information, behaviors and knowledge from unforeseen effects that have occurred after implementation. In future IT projects, IS managers therefore need to capitalize on post-implementation knowledge, through sociology of translation and competitive intelligence, in order to anticipate potential diversions from the initial objectives. Finally, while most IT implementation methods tend naturally to manage resistance maximize users’ satisfaction and to reduce potential resistance, the authors support an alternative approach. It consists into enhancing resistance in order to anticipate and resolve latent resistance behaviors directly or indirectly related to the project.

Despite widespread literature on resistance, appropriation or acceptance during IT projects, there is little research that addresses the impact of IT projects on organizational intelligence, and the kind of behaviors that lead to its failure or success. In the case, the implemented IT tool revealed hidden structural and organizational roles, which were unanticipated by IT designers and managers.

Contemporary supply chain relationships inherently rely on delegation of work between organizations and, thus, are subject to agency problems for which a wide range of governance mechanisms exist. This review of agency theory (AT), across four distinct fields, explains the connection between governance mechanisms and supply chain relationship types.

The study uses a systematic literature review (SLR) of articles using AT in a supply chain context from the operations and supply chain management, general management, marketing, and economics fields.

The authors categorize the governance mechanisms identified to create a typology of agency relationships in supply chains.

The developed typology provides parsimonious theory on different forms of supply chain agency relationships and takes a step towards a “supply chain-oriented agency theory” explaining and predicting relationship types and governance in supply chains. Furthermore, a future research agenda calls for more accurate measuring of agency costs, to examine residual gains alongside residual losses, to take a dual-sided perspective of agency relations and to adopt AT to examine more complex supply networks.

The review provides a menu of governance mechanisms and describes situations under which these mechanisms could be deployed to guide managers when developing their supply chain relationships.

The first review to combine and elaborate views from four major disciplines using AT as a lens to supply chain relationships. Expanding the traditional set of governance mechanisms provides academics and practitioners with a bigger “menu” of options to consider.

The three authors of this paper are intrigued by ideas and how they are created. The purpose of this paper is to explore idea creation and work by means of remote collaborative autoethnography.

During the COVID-19 lockdown in 2020, the authors sent texts to each other, followed up on each other's thoughts and discussed them in online meetings. They shared, analyzed and eventually theorized their lived experiences in order to understand creating ideas as social and cultural experience.

The authors develop the notions of “shelter” and “crutch” to make sense of the complexity of creating ideas together; theorize how emotions and identities are entangled in idea work; and discuss how time, space and power relations condition it.

The authors contribute to understanding idea work in a remote collaborative autoethnography by highlighting its emotional, identity-related and power-laden nature.

This article aims to analyze the strategic work of Polish entrepreneurs in the furniture industry following the political changes in 1989. The authors examined how these entrepreneurs transitioned from local craftsmen or importers into leaders of international manufacturing companies and how their strategizing contributed to the unprecedented growth of the Polish furniture sector.

The authors examined extant data, specifically biographical interviews conducted with 11 prominent leaders in the Polish furniture industry (Hryniewicki, 2015, 2018). They analyzed within a theoretical framework that integrates J.C. Spender’s theory of strategic management with Barry Johnson’s concept of polarity management. Polarity is a way of understanding and managing interdependent, opposing pairs of values or perspectives that give rise to conflict.

The analysis reveals key patterns of strategic challenges at the level of human agency, history and sense-making. The authors identified four key polarities: life and business, knowledge presence and absence, concordance and discordance, and instrumental and non-instrumental sense-making.

The polarity concept illuminates the interplay of agency and determinism in strategic decision-making, offering valuable insights for methodology and a deeper understanding of Poland’s furniture industry.

This study examined how youth would mitigate non-medical use of prescription medication among their peers.

The National Monitoring of Adolescent Prescription Stimulants Study (N-MAPSS) was conducted as an interview comprising 11,048 youth of 10–18 years of age between 2008 and 2011 from entertainment venues of 10 US urban, suburban, and rural areas. Using a mixed-methods approach, participants completed a survey culminating in open-ended questions asking: (1) How should kids your age be informed about prescription drugs and their effects? (2) If you ran the world, how would you stop kids from taking other people’s prescription medicines? (3) Why do people use prescription stimulants without a prescription? Responses from a random sample of 900 children were analyzed using qualitative thematic analyses.

The random sample of 900 youth (52 percent female, 40 percent white, with a mean age of 15.1 years) believed they should be educated about prescription drugs and their negative effects at schools, at home by parents, through the media, and health professionals. Youth would stop kids from using other people’s prescription drugs through more stringent laws that restricted use, and providing education about negative consequences of use. Peer pressure was the most common reason the youth gave for using other’s pills, though some reported taking them out of curiosity.

The importance of considering youth’s opinions on non-medical use of prescription medications is often overlooked. This evidence, from a peer perspective, could end the illicit use of prescription drugs among today’s youth.

While many approaches in the field of unlearning aim at describing, understanding or explaining the “what” and/or “how” of unlearning, this paper aims to focus on the “where-to” and the goal of unlearning. In many cases, unlearning starts off with a specific result or goal in mind. This paper suggests that such an approach has to be challenged in the context of a highly complex and uncertain world and to introduce a mode of unlearning following a strategy of future-oriented open-endedness.

This conceptual paper draws on (both theoretical/philosophical and empirical) interdisciplinary evidence from a wide variety of fields, such as organization studies, organizational (un)learning, systems theory, cognitive science and innovation studies.

It turns out that open-endedness in unlearning processes plays a central role, especially if we are confronted with high levels of uncertainty and complexity. In such an environment, following a strategy of co-becoming with an unfolding environment and with an emergent goal seems to be more promising than aiming at a preconceived (un-)learning goal.

The unlearning literature provides various approaches to what unlearning is and how it can be executed. However, understanding the actual goals and outcomes of unlearning and how these goals are identified and determined is a rather under-researched field. In many cases, they are preconceived in advance finding their realization in new forms of knowledge, assumptions, belief systems, values or routines. This paper challenges this strategy and addresses the gap of how it is possible to unlearn toward an uncertain future. This has an impact on the process of unlearning itself; it has to be reframed and understood as an open-ended strategy for identifying emerging future potentials, purposes and goals in a process of co-becoming with an unfolding future.