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Consumer Financial Vulnerabilities In Malaysia
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Book Synopsis Consumer Financial Vulnerabilities in Malaysia by : Nurul Shahnaz Ahmad Mahdzan
Download or read book Consumer Financial Vulnerabilities in Malaysia written by Nurul Shahnaz Ahmad Mahdzan and published by Routledge. This book was released on 2020-11-29 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines four aspects of Malaysian consumers’ financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers’ financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019–2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.
Book Synopsis Consumer Financial Vulnerabilities in Malaysia by : Nurul Shahnaz Ahmad Mahdzan
Download or read book Consumer Financial Vulnerabilities in Malaysia written by Nurul Shahnaz Ahmad Mahdzan and published by Routledge. This book was released on 2020-11-29 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines four aspects of Malaysian consumers’ financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers’ financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019–2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.
Book Synopsis Vulnerable Groups in Malaysia by : Thaatchaayini Kananatu
Download or read book Vulnerable Groups in Malaysia written by Thaatchaayini Kananatu and published by Walter de Gruyter GmbH & Co KG. This book was released on 2020-10-12 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: Vulnerability is a term that can be studied from different dimensions – the social, legal, economic and political. This book explores these dimensions and captures the vulnerabilities of particular groups in Malaysia – the transgenders, women, children, aboriginal and indigenous people, the rural fisherfolk, the stateless and the economically disempowered. Mirroring the spectrum of »vulnerable groups« defined by the United Nations Global Compact in the 2016 Sustainable Development Goals Report, this book highlights the unique features that portray vulnerabilities – including gender, age, indigeneity, socioeconomic status and ethnicity. The case studies of vulnerable groups in Malaysia – a multicultural, diverse plural Asian state – would be appreciated by both undergraduate and postgraduate students, academics, researchers and policy-makers, keen in Asian Studies and vulnerabilities.
Book Synopsis Performance Drivers in the Australian Banking and Financial Industry by : Ami-Lee Kelly
Download or read book Performance Drivers in the Australian Banking and Financial Industry written by Ami-Lee Kelly and published by Routledge. This book was released on 2021-07-21 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt: Talent management is a way banks acquire competitive advantage. Practices such as personality profiling with effective knowledge-based productivity and the application of high-performance work systems help to set a company apart from its competition and maintain this competitive advantage. This book provides an in-depth look at the relationship between personality types and individual-level performance in knowledge-based environments, through cases in Australia’s banking and finance sector. This book also examines how high-performance workplace systems influence individual performance in relation to productivity through a multi-level analysis of micro- and meso-level factors. The findings in this book have relevant implications not only for the Australian system but also for other banking and financial service contexts outside of Australia.
Book Synopsis Public Value and the Digital Economy by : Usman W. Chohan
Download or read book Public Value and the Digital Economy written by Usman W. Chohan and published by Routledge. This book was released on 2021-07-29 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: How can the public manager create and co-create value in the digital economy? While there is much exciting work being done, there is a pressing need to recontextualize public value theory (PVT), specifically in terms of its theoretical precepts, in the fluid and dynamic environment that the digital economy has produced. Much of the theoretical undergirding of PVT predates the full onset of today’s digital economy, leaving aside phenomena including citizen-driven innovations, decentralized digital structures, and the algorithmic foundations of new economic life. This is why a conceptually driven exercise in contemporizing PVT would be of great value to public administration’s theoreticians seeking to lead the theory in catching up to the praxis. This book seeks to answer the question of creating and co-creating public managerial value by developing chapters that revisit categories central to the functions of public managers in relation to other value-creating agents under PVT. It introduces new and important lenses to PVT that are grounded in the praxis of the digital economy, raising new questions about old problems in PVT and generating newer formulations that push PVT forward and make its debates salient to the futures that lay before the modern public manager. The book therefore constitutes an important effort to take PVT forward by shedding new light on the potency of the public manager in confronting and constructing the digital economy through co-creation with the other agents of public value. It will be of interest to researchers, academics, and policy makers in the fields of public and nonprofit management, public administration and policy, and PVT.
Book Synopsis Management Education and Automation by : Denise Tsang
Download or read book Management Education and Automation written by Denise Tsang and published by Routledge. This book was released on 2021-08-26 with total page 147 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to automation, nearly half of the jobs will vanish over the next two decades in the US. However, the problem is not confined to any particular country. Management educators in higher education are faced with two fundamental questions: (a) how we prepare our students for new required technology competencies when conducting international business and (b) how we work with new technologies to prepare our students. While the next generation of employees requires competencies in working with artificial intelligence relying on data analytics, the emergence of artificial intelligence and new technologies in augmenting teaching is changing the nature of higher education across the globe. Management Education and Automation explores international management education in light of exponential development of artificial intelligence, big data, demographic shifts, expansion of robotic utilization in many economic sectors, aging populations and negative population growth in developed economies, multipolar international political systems, migration patterns, and fundamental shifts in individual and social interactions via digital media. It shows the latest state of knowledge on the topic and will be of interest to researchers, academics, policymakers, and students in the fields of international business and management, globalization, management education, and management of technology and innovation.
Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa
Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.
Book Synopsis Management Theory, Innovation, and Organisation by : Katarzyna Szczepańska-Woszczyna
Download or read book Management Theory, Innovation, and Organisation written by Katarzyna Szczepańska-Woszczyna and published by Routledge. This book was released on 2020-12-29 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competencies are a component of human capital and one of the most important assets of an enterprise. They play an important role in strengthening the position of the company in a competitive market. Investing in the development of competencies increases the organisation's ability to grow and compete through innovations. This book presents a multi-dimensional analysis of the relationship between managerial competencies and innovations. It analyses the role of a manager in a modern organisation, functions performed by managers, management styles and key challenges, including shaping behaviour in the process of managing change in an organisation, as well as an analysis of the structure of competencies, in particular managerial competencies, and the conditions of the process of forming managerial competencies. Management Theory, Innovation and Organisation: A Model of Managerial Competencies illustrates the organisational conditions of innovativeness, which is the relationship between strategy, structure, organisational culture and leadership and knowledge management and innovation management. The developed model can undoubtedly be considered the author’s pioneering contribution to the studies of managerial competencies and innovativeness. The book will be valuable to researchers, students, and managers in the fields of leadership, organizational studies, innovation management, and human resource management.
Book Synopsis Online Place Branding by : Phoenix Lam
Download or read book Online Place Branding written by Phoenix Lam and published by Routledge. This book was released on 2020-12-28 with total page 205 pages. Available in PDF, EPUB and Kindle. Book excerpt: Through an interdisciplinary approach combining the concepts, methods and tools in language and discourse studies and insights from marketing and tourism research, this book examines the online place branding of Hong Kong, one of the most visited cities and well-known spots in the world. The book compares how the place brand is officially constructed and conveyed by the institutional bodies, as realised on the Brand Hong Kong website online, with how the place brand is publicly experienced and perceived by individuals around the world, as realised on the TripAdvisor Hong Kong travel forum online. The book also includes comparative analysis between Singapore and Hong Kong to provide better understanding of online place branding and findings from the comparative study identify interesting similarities and differences between the official portrayal of the place brand of Hong Kong and its public perception in the digital realm, as well as between Hong Kong and Singapore in online place branding. The book also offers evidence-based suggestions on how we can bridge the gap between the online representation and perception of a place brand and how to enhance online place branding in general.
Book Synopsis Assessing Financial Vulnerability by : Morris Goldstein
Download or read book Assessing Financial Vulnerability written by Morris Goldstein and published by Columbia University Press. This book was released on 2000-06-01 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: The European currency crises of 1992-93, the Mexican crisis of 1994-95, and especially the Asian/global crisis of 1997-98, have all contributed to a heightened interest in the early warning signals of financial crises. This pathbreaking study presents a comprehensive battery of empirical tests on the performance of alternative early warning indicators for emerging-market economies that should prove useful in the construction of a more effective global warning system. Not only are the authors able to draw conclusions about which specific indicators have sent the most reliable early warning signals of currency and banking crises in emerging economies, they also test the out-of-sample performance of the model during the Asian crisis and find that it does a good job of identifying the most vulnerable economies. In addition, they show how the early warning system can be used to construct a "composite" crisis indicator to weigh the importance of alternative channels of cross-country "contagion" of crises, and to generate information about the recovery path from crises. This timely study comes on the eve of impending changes at the International Monetary Fund as that institution reexamines how it reacts to financial crises. Moreover, the study provides "... a wealth of valuable elements for anyone investigating and forecasting adverse developments in emerging markets as well as industrial countries," according to Ewoud Schuitemaker, vice president of the economics department at ABN AMRO Bank.
Book Synopsis Financial Sector Crisis and Restructuring by : Carl-Johan Lindgren
Download or read book Financial Sector Crisis and Restructuring written by Carl-Johan Lindgren and published by . This book was released on 1999 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: An IMF paper reviewing the policy responses of Indonesia, Korea and Thailand to the 1997 Asian crisis, comparing the actions of these three countries with those of Malaysia and the Philippines. Although all judgements are still tentative, important lessons can be learned from the experiences of the last two years.
Book Synopsis Trauma To Triumph: Rising From The Ashes Of The Asian Financial Crisis by : Hoe Ee Khor
Download or read book Trauma To Triumph: Rising From The Ashes Of The Asian Financial Crisis written by Hoe Ee Khor and published by World Scientific. This book was released on 2022-05-12 with total page 950 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book takes stock of and analyzes the events during the Asian financial crisis (AFC) and subsequent developments, including the global financial crisis (GFC), that led to the development of the ASEAN+3 regional financial cooperation framework and the establishment of the ASEAN+3 Macroeconomic Research Office. The book is the first of its kind to compile comprehensive recollections of the major players during the AFC and the GFC, including country-level narratives on the causes and developments of the crises, and measures to overcome them. The book not only presents an analytical and deeper examination of country experiences during both crises, but also assesses the two crises and covers the lessons learnt from the crises, particularly with a focus on the development of regional financial cooperation. The book concludes with regional financial cooperation in retrospect, aiming to catalyze further discussions on the direction of the region's financial cooperation.
Book Synopsis Macro-Prudential Policies to Mitigate Financial System Vulnerabilities by : Stijn Claessens
Download or read book Macro-Prudential Policies to Mitigate Financial System Vulnerabilities written by Stijn Claessens and published by International Monetary Fund. This book was released on 2014-08-19 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Macro-prudential policies aimed at mitigating systemic financial risks have become part of the policy toolkit in many emerging markets and some advanced countries. Their effectiveness and efficacy are not well-known, however. Using panel data regressions, we analyze how changes in balance sheets of some 2,800 banks in 48 countries over 2000–2010 respond to specific macro-prudential policies. Controlling for endogeneity, we find that measures aimed at borrowers––caps on debt-to-income and loan-to-value ratios––and at financial institutions––limits on credit growth and foreign currency lending––are effective in reducing asset growth. Countercyclical buffers are little effective through the cycle, and some measures are even counterproductive during downswings, serving to aggravate declines, consistent with the ex-ante nature of macro-prudential tools.
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Book Synopsis Global Waves of Debt by : M. Ayhan Kose
Download or read book Global Waves of Debt written by M. Ayhan Kose and published by World Bank Publications. This book was released on 2021-03-03 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.
Book Synopsis Managing Elevated Risk by : Iwan J. Azis
Download or read book Managing Elevated Risk written by Iwan J. Azis and published by Springer. This book was released on 2014-12-11 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses the risks and opportunities that arise in Emerging Asia given the context of a new environment in global liquidity and capital flows. It elaborates on the need to ensure financial and overall economic stability in the region through improved financial regulation and other policy measures to minimize the emergent risks. "Managing Elevated Risk: Global Liquidity, Capital Flows, and Macroprudential Policy—An Asian Perspective" also explores the range of policy options that may be deployed to address the impact of global liquidity on domestic financial and socio-economic conditions including income inequality. The book is primarily aimed at policy makers, financial market regulators and supervisory agencies to help them improve national regulatory systems and to promote harmonization of national regulations and practices in line with global standards. Scholars and researchers will also gain important information and knowledge about the overall impacts of changing global liquidity from the book.
