Search results

This paper aims to analyze decisions about payment rates on credit card statements by using background factors and perceptions that indirectly influence beliefs, according to the theory of planned behavior.

Since legal and institutional frameworks and household financial surveys are heterogeneous among countries, household data on the Chilean economy is used as the starting point in this matter.

The probability that an individual chooses to pay amounts less than the total billing of their credit cards rises with essential variables related to perceived behavioral control. Being the head of the household, being younger, perceiving a high or excessive financial burden of debt and facing unfavorable and unexpected situations that divert the budget, among others, are relevant to repayment decisions.

The novelty of this article is that its psychological approach differs from the traditional focus of economic rationality regarding credit cards. The results are relevant for policymakers and financial regulators due to implications for household behavioral finance and means of payment.

Analizamos la decisión de la tasa de pago de los estados de cuenta de tarjetas de crédito a través del uso de factores de fondo y percepciones que indirectamente inciden en las creencias de acuerdo a la teoría del comportamiento planeado.

Debido a que los marcos legales e institucionales, así como también las encuestas financieras de hogares son heterogéneas entre países, se utilizan datos de los hogares de la economía chilena como un punto de partida en esta materia.

La probabilidad de que un individuo elija pagar un monto menor que el total de facturación de sus tarjetas de crédito es afectada por variables proxy asociadas al control conductual percibido. La condición de ser jefe de hogar, ser más joven, la percepción de una alta o excesiva carga financiera de la deuda, y enfrentar situaciones desfavorables e inesperadas que desvían del presupuesto, entre otras, son relevantes para las decisiones de pago.

La novedad de este artículo es que su enfoque difiere del enfoque tradicional de la racionalidad económica en relación a las tarjetas de crédito. Los resultados son relevantes para los hacedores de política y reguladores financieros debido a sus implicancias para las finanzas conductuales de los hogares y sus medios de pago.

The study aims to introduce The Compass Project (TCP), designed to determine whether strengthening morality and practicing emotion management can reduce youth antisocial attitudes and behaviours and increase prosocial attitudes and behaviours.The programme activities are informed by the existing evidence base and incorporate theoretical explanations of the mechanisms that link psychological moral and emotional traits and behaviour.

This paper will offer a description of the programme design and content, TCP 2022 pilot study and crucially, discuss the utility of delivering programmes like TCP in wider settings (schools, youth offending teams and other youth organisations). TCP is currently being delivered in UK schools as a multi-site, longitudinal, RCT design.

Participant feedback from TCP 2022 pilot study is used to illustrate the potential impact of TCP for young people in future. The authors identify five challenges faced by researchers conducting youth intervention studies: access, recruitment, continued attendance, nature of participation (enthusiasm, engagement and task-focus) and full participant completion of data measures.

This pioneering study offers a novel methodology to increase law-abiding moral attitudes and behaviours in young people. This paper adopts a forward-thinking and scientific approach to identify practical solutions to key challenges faced when delivering youth interventions and is relevant for youth practitioners and academics worldwide.

TCP seeks to achieve improved youth attitudinal outcomes (such as law-aligned morality, empathy for others, measured decision-making and consideration of the consequences of action) and improved youth behavioural outcomes (such as improved quality of relationships with others, increased helping and prosocial behaviours, reduced antisocial behaviour and delinquency and reduced contact with criminal justice system-related organisations).

To the best of the authors’ knowledge, an evidence-based morality strengthening and emotion programme of this kind, closely aligned with a moral theory of rule-breaking, has not been developed before.

This study aims to examine social determinants and social strains of cyberbullying victimization among expatriate populations in high-income countries such as Qatar. The authors argue that expatriate students will be exposed to stains and pressures due to several factors, such as feeling alienated, lonely, homesick, insecure and helpless. This study examines a partial assumption of general strain theory (GST), which posits that expats’ cyberbullying victimization can create negative stimuli that lead to negative feelings and, as a result, to delinquent behavior. The delinquent behavior can be seen as a coping method in encountering strains. Logistic regression analysis is applied (using SPSS v. 21) to test the hypothesis that the victimization of expats’ cyberbullying could lead to strain and delinquency.

A sample of 2,428 expatriate students (46% males and 54% females) was randomly selected from seven public schools in Qatar. The average number of siblings in the household was 2.7. Around 10.8% of the sample reported victimization by cyberbullying. Most came from intact families (80.6%) compared to 19.4 living in broken homes. Concerning the birth order of the student in the family, 25% of the sample were firstborn, and 20% were middle-born. Students’ mother relationships were higher than students’ father relationships (69% vs 51%, respectively). Fathers were higher in undergraduate education than mothers (60% vs 49%, respectively). Considering that 58% of women did not have a job, most fathers work in administrative positions (47% in administrative work and 39% in professional positions) as opposed to mothers’ positions (15% and 21%, respectively). The survey was distributed among expatriate students by trained researchers, teachers and social workers in public schools. The researchers explained the purpose of the study, confidentiality and potential risks and provided directions for completing the survey. Parents and their children provided signed informed consent before participation, following the institutional review boards of Qatar University’s Human Subject Research Committee and the Ministry of Social Development. The victimization of cyberbullying is measured at the dichotomy level by asking a general cyberbullying question (In the last 12 months, had you been bullied by other students using mobile messages, email, voice or video messages? Responses were 1 – yes and 0 – no). A definition of cyberbullying was included in the questionnaire. Independent measures are as follows: (1) demographic variables: gender, belief, health, number of friends and exposure to violence; (2) family variables: delinquent family, coercive parenting, family relations, family disputes, father absence and family ties; (3) school variables: school satisfaction, school violence, student fighting, teachers' violence, school truancy and going late to school; (4) imprudent behavior: smoking, alcohol, not using a seat belt, gambling, stealing less than 100 QR, chewing tobacco, stimuli, volatile drugs, sexual harassment, throwing garbage out of the car, cheating, vandalism and victimization.

Findings showed that n = 255, 10.8% of the expats’ sample N = 2,428 reported victimization of cyberbullying, of whom 46% were males and 54% were females. A total of 24% of the victims of cyberbullying were males, and 5.8% were females. About a third of the sample were cyberbullying perpetrators (n = 716, 29.5%). Victims of cyberbullying came from intact families (62.4%) compared to broken families (37.6%). A round third of the victims reported the absence of a father during their childhood (n = 78, 31.7%). Most of the victims came from a typical community compared to the delinquent community (71.2% vs 28.2%). About a third of the victims reported it was easy to talk with the father when needed (32% compared to 42.7%), who said it was easy. More than half of the victims do not use seat belts. A low percentage of them were gambling (n = 68, 27% or 2.9% of the total sample). Regarding escaping imprudent and delinquent behaviors, findings showed that a third and more than a tenth of the cyberbullying were smokers and alcoholics (n = 69, 27.4% and n = 42, 16.7% respectively). Moreover, among the most serious, widely spread student problems, around a quarter of the victims reported using chewing tobacco (Sweeka is the local name) (n = 54, 21.4%). Finally, drug use among victims was more than a tenth of them (n = 41, 16.3%). About a quarter of the victims reported stealing less than 100 QR (n = 67, 26.8% or 2.9% of the total sample). Concerning the crimes committed by victims, findings showed that more than forth of them committed assault (n = 71, 28.3%), student fights (n = 202, 80.8%), school violence (n = 117, 46.6%) and half of the victims (50.2%) were also victims of face-to-face bullying. Little below half of the sample was exposed to violence (n = 120, 48.6%) and was the victim of violence in the past 12 months (n = 100, 40.8%). A significant gender differences was found in the victimization of cyberbullying (1 = yes, 0 = no) (a = 000). Moreover, significant mean differences were found between expatriates student victimization of cyberbullying at (a = 000) in all strain variables. Using binary regression analysis to examine the equality of probability of being a victim of cyberbullying as accounted for by the independent variables, the model’s predictability was 89.4%. The Hosmer and Lemeshow test and omnibus tests support the model’s fit (a = 000). Nagelkerke R² shows that the stain variables accounted for 24% of the variance in the expat's student victimization of cyberbullying.

Conceptualization and determination of what constitutes cyberbullying from the criminal law perspective are needed. Cyberbullying is defined as a form of violence and crime involving new technologies (Sun et al., 2016, p. 62). Policymakers should provide accessible and equitable access to the criminal justice system, the integration of expatriates and the provision of support services to avoid delinquency.

A social cohesion, inclusion and well-being policy is needed for expatriate students and their families in Qatar. In particular, cultural diversity policy and programs, a source of strength and enrichment should be promoted in educational settings. Social inclusion and cultural diversity programs could ease the alienation and marginalization that expatriate students may encounter in their host societies to prevent stains and negative emotions that lead to delinquency and criminal behaviors. Access to support services without discrimination to avoid health and psychological strains and risk factors. This includes but is not limited to avoidance of stigmatization, embarrassment, sense of helplessness, humiliation and other negative feelings toward expatriates. Awareness and promotion of cultural diversity values are needed to enhance cultural acceptance to reduce victimization among the expatriate population. Criminal law and security implications conceptualization and determination of what constitutes cyberbullying from the criminal law perspective are needed. Cyberbullying is a form of violence and crime involving new technologies (Sun et al., 2016). Policymakers should provide accessible and equitable access to the criminal justice system, integrating expatriates and providing support services to avoid delinquency. There is a pressing need for further research within the realm of crime and law to establish the precise legal boundaries surrounding cyberbullying and to delineate the potential scope for legislative measures aimed at safeguarding against victimization in Qatar. Although the state of Qatar has taken steps to address cyberbullying by incorporating it into relevant legal frameworks, there remains a gap in terms of specifically targeting cyberbullying involving children and adolescents. Despite the introduction of the new Cybercrime Prevention Law, the issue of cyberbullying among these vulnerable groups is not adequately addressed.

Social implication includes but is not limited to avoidance of stigmatization, embarrassment, sense of helplessness, humiliation and other negative feelings towards expatriate. Awareness and promotion of cultural diversity values is needed to enhance cultural acceptance to reduce victimization among expatriate population.

The present study examines some strain theory assumptions and the victimization of the cyberbullying expatriate population. This study tests a partial assumption of GST, which states that the expatriate population’s exposure to the victimization of cyberbullying can lead to negative stimuli that, in return, create negative feelings and, as a result, imprudent and delinquent behavior. The cyberbullying behavior can be seen as an escaping and coping method in encountering strains. This study underscores the presence of cyberbullying within high schools among expatriate students, exerting significant effects on their personal, social and emotional behaviors. The novel insights gleaned from this investigation contribute substantively to the comprehension of both the pervasiveness and repercussions of cyberbullying on the well-being of expatriate students. This contribution is particularly vital, given the dearth of research in the field, largely attributable to the growing dependence of students on the internet for various cyber activities. This study examines a partial assumption of GST (in non-Western country). Moreover, it uses an advanced statistical analysis and large sample.

The role of evidence-based psychological knowledge in cases of juvenile offending is essential to make appropriate decisions relating to youth who violate legal or social norms, as it carries implications for treatment, intervention and practice. Psychological expert opinions therefore need to meet high formal and methodological requirements while maintaining ethical standards. The purpose of this study is to investigate psychological expert opinions in cases of juvenile misbehavior reported to regional courts in Poland. Juvenile court proceedings concern cases of demoralization and/or delinquent offenses. Demoralization is a legal concept described in the Act of June 9, 2022 on juvenile support and resocialization. This concept was not defined; it was only described through examples of behaviors indicating demoralization. These include the following: violations of the principles of community life; evading compulsory education or schooling; use of alcohol, narcotic drugs, psychotropic substances, their precursors, substitutes or new psychoactive substances; and prostitution.

To reach these goals, court records of juvenile cases in six district courts (N = 253) were gathered and analyzed. A semistructured questionnaire was used to examine the cases in which psychologists were appointed and to analyze the procedures used by these experts for assessing adolescents and their families.

Findings revealed that family judges appoint psychologists both in cases of “demoralization” (i.e. status offenses) and in cases of juvenile delinquency. The opinions were delivered by psychologists who were mostly members of diagnostic teams. Results indicate that such opinions generally comply with the minimal standards recommended by the Ministry of Justice, yet a few problems were observed with the determination of levels of demoralization.

The limitations of diagnostic tools used by psychologists are discussed, and recommendations for future practice are provided.

The novel coronavirus (COVID-19) has caused financial stress and limited their lending agility, resulting in more non-performing loans (NPLs) and lower performance during the II wave of the coronavirus crisis. Therefore, it is essential to identify the risky factors influencing the financial performance of Indian banks spanning 2018–2022.

Our sample consists of a balanced panel dataset of 75 scheduled commercial banks from three different ownership groups, including public, private and foreign banks, that were actively engaged in their operations during 2018–2022. Factor identification is performed via a fixed-effects model (FEM) that solves the issue of heterogeneity across different with banks over time. Additionally, to ensure the robustness of our findings, we also identify the risky drivers of the financial performance of Indian banks using an alternative measure, the pooled ordinary least squares (OLS) model.

Empirical evidence indicates that default risk, solvency risk and COVAR reduce financial performance in India. However, high liquidity, Z-score and the COVID-19 crisis enhance the financial performance of Indian banks. Unsystematic risk and systemic risk factors play an important role in determining the prognosis of COVID-19. The study supports the “bad-management,” “moral hazard” and “tail risk spillover of a single bank to the system” hypotheses. Public sector banks (PSBs) have considerable potential to achieve financial performance while controlling unsystematic risk and exogenous shocks relative to their peer group. Finally, robustness check estimates confirm the coefficients of the main model.

This study contributes to the knowledge in the banking literature by identifying risk factors that may affect financial performance during a crisis nexus and providing information about preventive measures. These insights are valuable to bankers, academics, managers and regulators for policy formulation. The findings of this paper provide important insights by considering all the risk factors that may be responsible for reducing the probability of financial performance in the banking system of an emerging market economy.

The empirical analysis has been done with a fresh perspective to consider unsystematic risk, systemic risk and exogenous risk (COVID-19) with the financial performance of Indian banks. Furthermore, none of the existing banking literature explicitly explores the drivers of the I and II waves of COVID-19 while considering COVID-19 as a dependent variable. Therefore, the aim of the present study is to make efforts in this direction.

Many believe that any social media harms kids because of frequent use. This study aims to examine these assumptions. It proposes and tests a model that considers two alternative pathways – one negative and one positive – through which social media affects teens’ self-reported subjective well-being.

This research used Preacher and Hayes process modeling to conduct path analysis on data collected on 585 teenagers from across the USA.

Results showed that along a negative pathway, frequent social media use leads to greater risky social media engagement that ultimately diminishes adolescent’s sense of well-being. Also, and perhaps simultaneously, frequent social media use leads to socially-connected social media use that enhances adolescent’s sense of well-being.

The research recommends ways parents, policymakers and platforms can encourage teens to use social media to connect with friends while guiding them away from pathways exposing them to risky behaviors.

Findings show more social media use is not necessarily harmful, but more of some types is bad, while more of others is good.

This paper aims to investigate the relationship of female participation in labor force with the cybersecurity maturity of nations and the enabling role of e-government development in moderating the same.

The authors have conducted fixed-effects regression using archival data for 149 countries taken from secondary sources. Furthermore, the authors have grouped the sample countries into four levels of cybersecurity maturity (unprepared, reactive, anticipatory and innovative) using clustering techniques, and studied the influence of their interest variables for individual groups.

Results show that female participation in labor force positively influences national cybersecurity maturity, and e-government development positively moderates the said relationship, thereby enabling the empowerment of women.

Encouraging broader participation of women in the labor force and prioritizing investments in e-government development are essential steps that organizations and governments may take to enhance a country’s cybersecurity maturity level.

This study empirically demonstrates the impact of the nuanced interplay between female participation in labor force and the e-government development of a nation on its cybersecurity maturity.

To improve the loan repayment performance (LRP) of microfinance banks (MFBs) in Pakistan, this study aims to look at the direct impact of multiple borrowing (MB) on LRP and client-business performance (CBP), as well as the direct impact of CBP on LRP. The moderating function of pandemic factors in the relationship between MB and CBP, as well as the mediating effect of CBP in the association between MB and LRP, was also investigated in this study.

A questionnaire was used to obtain data from 531 lower-level workers of microfinance institutions (MFIs) for the study. The respondents were chosen using stratified sampling, which divided the target population into four influential groups: lending officers in agriculture, lending officers in businesses, lending officers in gold loans and lending officers in salary loans. In this study, a two-stage structural equation modeling approach was used, including a measurement model (outer model) and a structural model (inner model). The validity and reliability of the questionnaire were investigated using the measurement model (outer model), whereas PLS-SEM bootstrapping was performed to test the hypothesis and find the relationship among different underpinning constructs by using the structural model (inner model).

The outcomes of this study demonstrate that MB has a direct impact on CBP, and that CBP has a direct impact on LRP. MB, on the contrary, had no direct and significant impact on LRP in this study. The idea that CBP mediates the relationship between MB and LRP, as well as the moderating effect of pandemic factors on the relationship between MB and CBP, is supported by this research.

Until now, the influence of MB on LRP via the mediating role of CBP and the moderating role of a pandemic factor in the setting of Pakistani MFBs has received little attention. During the COVID-19 pandemic, this research also aids MFBs in better understanding MB and its impact on LRP. Furthermore, based on the findings of this study, Pakistani MFIs can enhance their LRP by implementing new lending regulations, particularly with reference to MB and the COVID-19 pandemic.

Leadership for learning emerged as an integrated leadership framework; however, attempts to establish an empirical measurement model have been limited. Critically, not much is known about how much teachers' beliefs (e.g. self-efficacy) can mediate leadership for learning impact on teacher behaviors. This study establishes a leadership for learning measurement model and examines whether teacher self-efficacy mediates the effect of leadership for learning tasks on teacher collaboration, instructional quality, intention to leave current schools and their confidence in equitable teaching practice.

Drawing on the most recent 2018 Teaching and Learning International Survey (TALIS), the study employed a structural equation modeling mediation approach.

Results suggested that teacher self-efficacy statistically significantly mediated 16 out of 20 of the relationships between leadership for learning task domains and teacher outcomes. Especially, in explaining the variance in instructional quality and teacher confidence in implementing equitable teaching practices, considerable proportions of the predictive power of leadership for learning tasks were accounted for (i.e. mediated) by teacher self-efficacy.

School-wide efforts to craft the school vision for learning must be coupled with enhancing teacher self-efficacy. Critically, leadership efforts may fall short of implementing equitable teaching practice and quality instruction without addressing teacher confidence in their ability in instruction, classroom management and student engagement.

This study is the first of its kind to evidence teacher self-efficacy mediates leadership for learning practice impact on teacher behaviors.

While prior research has established that traumatic brain injury (TBI) is a risk factor for violent offending, there is little understanding of mechanisms that may underpin this relationship. This is problematic, as a better understanding of these mechanisms could facilitate more effective targeting of treatment. This study aims to address these gaps in the extant literature by examining TBI as a predictor of violent offending and test for mediation effects through cognitive constructs of dual systems imbalance and hostility among a sample of justice-involved youth (JIY).

The Pathways to Desistance data were analyzed. The first three waves of this data set comprising the responses of 1,354 JIY were analyzed. Generalized structural equation modeling was used to test for direct and indirect effects of interest. A bootstrap resampling process was used to compute unbiased standard errors for determining the statistical significance of mediation effects.

Lifetime experience of TBI was associated with increased violent offending frequency at follow-up. Hostility significantly mediated this relationship, but dual systems imbalance did not. This indicated that programming focused on reducing hostility among JIY who have experienced TBI could aid in reducing violent recidivism rates.

To the best of the author’s knowledge, this study was the first to identify significant mediation of the relationship between TBI and violent offending through hostility.