The Routledge Handbook of Financial Literacy

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Publisher : Routledge
ISBN 13 : 1000487849
Total Pages : 560 pages
Book Rating : 4.0/5 (4 download)

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Book Synopsis The Routledge Handbook of Financial Literacy by : Gianni Nicolini

Download or read book The Routledge Handbook of Financial Literacy written by Gianni Nicolini and published by Routledge. This book was released on 2021-12-30 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.

The Routledge Handbook on Financial Social Work

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Publisher : Routledge
ISBN 13 : 1351165666
Total Pages : 204 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis The Routledge Handbook on Financial Social Work by : Christine Callahan

Download or read book The Routledge Handbook on Financial Social Work written by Christine Callahan and published by Routledge. This book was released on 2019-11-21 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook on Financial Social Work explicates the financial needs, issues, and interventions within populations and theoretical approaches, and it assists clinician practitioners in intervening expertly and comprehensively. This book covers a range of issues in populations seeking services around complex financial needs and struggles, including those in the child welfare system; those with housing issues or facing homelessness; those coping with chronic and acute medical and psychiatric illnesses; those recovering from interpersonal violence; those facing recovery from incarceration; children and families involved in the child welfare system; and much more. In addition, policies will be woven in to inform the work. This book thoroughly explores research and evidence-based interventions around each population, and teaches clinicians to understand and treat financial distress holistically and empathically. This handbook will explain why understanding financial capability in these populations is so critical and how clinicians can step up their practices to meet those needs. Professionals from multiple disciplines ranging from financial therapists to social workers to financial coaches to financial planners will find this handbook eminently useful.

International Handbook of Financial Literacy

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Publisher : Springer
ISBN 13 : 9811003602
Total Pages : 713 pages
Book Rating : 4.8/5 (11 download)

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Book Synopsis International Handbook of Financial Literacy by : Carmela Aprea

Download or read book International Handbook of Financial Literacy written by Carmela Aprea and published by Springer. This book was released on 2016-03-24 with total page 713 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.

The Routledge International Handbook of Financialization

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Publisher : Routledge
ISBN 13 : 1351390368
Total Pages : 564 pages
Book Rating : 4.3/5 (513 download)

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Book Synopsis The Routledge International Handbook of Financialization by : Philip Mader

Download or read book The Routledge International Handbook of Financialization written by Philip Mader and published by Routledge. This book was released on 2020-02-05 with total page 564 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financialization has become the go-to term for scholars grappling with the growth of finance. This Handbook offers the first comprehensive survey of the scholarship on financialization, connecting finance with changes in politics, technology, culture, society and the economy. It takes stock of the diverse avenues of research that comprise financialization studies and the contributions they have made to understanding the changes in contemporary societies driven by the rise of finance. The chapters chart the field’s evolution from research describing and critiquing the manifestations of financialization towards scholarship that pinpoints the driving forces, mechanisms and boundaries of financialization. Written for researchers and students not only in economics but from across the social sciences and the humanities, this book offers a decidedly global and pluri-disciplinary view on financialization for those who are looking to understand the changing face of finance and its consequences.

Financial Literacy and Responsible Finance in the FinTech Era

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Publisher : Taylor & Francis
ISBN 13 : 1000404528
Total Pages : 161 pages
Book Rating : 4.0/5 (4 download)

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Book Synopsis Financial Literacy and Responsible Finance in the FinTech Era by : John O.S. Wilson

Download or read book Financial Literacy and Responsible Finance in the FinTech Era written by John O.S. Wilson and published by Taylor & Francis. This book was released on 2021-07-21 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: A growing body of evidence suggests that financial literacy plays an important role in financial well-being, and that differences in financial knowledge acquired early in life can explain a significant part of financial and more general well-being in adult life. Financial technology (FinTech) is revolutionizing the financial services industry at an unrivalled pace. Views differ regarding the impact that FinTech is likely to have on personal financial planning, well-being and societal welfare. In an era of mounting student debt, increased (digital) financial inclusion and threats arising from instances of (online) financial fraud, financial education and enlightened financial advising are appropriate policy interventions that enhance financial and overall well-being. Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges engages in this important academic and policy agenda by presenting a set of seven chapters emanating from four parallel streams of literature related to financial literacy and responsible finance. The chapters in this book were originally published as a special issue of The European Journal of Finance.

Handbook of Financial Planning and Control

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Publisher : Gower Publishing, Ltd.
ISBN 13 : 9780566083723
Total Pages : 420 pages
Book Rating : 4.0/5 (837 download)

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Book Synopsis Handbook of Financial Planning and Control by : Robert P. Greenwood

Download or read book Handbook of Financial Planning and Control written by Robert P. Greenwood and published by Gower Publishing, Ltd.. This book was released on 2002 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides not only practical guidance on how to manage resources but also a critical examination of the conventional techniques of financial planning and control through the introduction of new approaches. Additional chapters have been added to introduce Strategic Management Accounting, Activity Based Costing and the Balanced Scorecard, New Performance Measures, Venture Capital, Knowledge Management and Outsourcing, and Financial Considerations of eBusiness. In this third edition, the book has been revised to encourage the reader to think about and reflect upon the emergence of recent principles and practices related to financial planning and control. While it is addressed primarily to business managers with an interest in financial planning and control, the range of subjects covered and the breadth of approach adopted by many of the contributors will make the Handbook of Financial Planning and Control especially useful to those managers in non-financial functions (as well as students of management) who must reconcile theory with the everyday reality of modern business practice.

The Routledge Handbook of Financial Geography

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Publisher : Taylor & Francis
ISBN 13 : 1351119044
Total Pages : 648 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis The Routledge Handbook of Financial Geography by : Janelle Knox-Hayes

Download or read book The Routledge Handbook of Financial Geography written by Janelle Knox-Hayes and published by Taylor & Francis. This book was released on 2020-12-14 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook is a comprehensive and up to date work of reference that offers a survey of the state of financial geography. With Brexit, a global recession triggered by the COVID-19 pandemic, as well as new financial technology threatening and promising to revolutionize finance, the map of the financial world is in a state of transformation, with major implications for development. With these developments in the background, this handbook builds on this unprecedented momentum and responds to these epochal challenges, offering a comprehensive guide to financial geography. Financial geography is concerned with the study of money and finance in space and time, and their impacts on economy, society and nature. The book consists of 29 chapters organized in six sections: theoretical perspectives on financial geography, financial assets and markets, investors, intermediation, regulation and governance, and finance, development and the environment. Each chapter provides a balanced overview of current knowledge, identifying issues and discussing relevant debates. Written in an analytical and engaging style by authors based on six continents from a wide range of disciplines, the work also offers reflections on where the research agenda is likely to advance in the future. The book’s key audience will primarily be students and researchers in geography, urban studies, global studies and planning, more or less familiar with financial geography, who seek access to a state-of-the art survey of this area. It will also be useful for students and researchers in other disciplines, such as finance and economics, history, sociology, anthropology, politics, business studies, environmental studies and other social sciences, who seek convenient access to financial geography as a new and relatively unfamiliar area. Finally, it will be a valuable resource for practitioners in the public and private sector, including business consultants and policy-makers, who look for alternative approaches to understanding money and finance.

Routledge Handbook of Environmental Accounting

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Publisher : Routledge
ISBN 13 : 0429620950
Total Pages : 544 pages
Book Rating : 4.4/5 (296 download)

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Book Synopsis Routledge Handbook of Environmental Accounting by : Jan Bebbington

Download or read book Routledge Handbook of Environmental Accounting written by Jan Bebbington and published by Routledge. This book was released on 2021-03-30 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook showcases the broad spectrum of diverse approaches to environmental accounting which have developed during the last 30 years across the globe. The volume covers a range of physical issues such as water, carbon and biodiversity, as well as specific accounting matters such as management control, finance and audit. Moreover, seven chapters present environmental accounting issues that arise in the regions of Africa, Asia, Europe, MENA, North America, the Pacific and South America. The handbook also highlights future challenges in all the topic areas addressed as well as introducing new topics, such as links between environmental accounting and the circular economy, and the issues associated with animal rights. Edited by leading scholars in the area and with key contributions from across the discipline, and covering a diverse range of perspectives and locations, the volume is divided into five key parts: • Part 1: Framing the issues • Part 2: Financial accounting and reporting • Part 3: Management accounting • Part 4: Global and local perspectives • Part 5: Thematic topics in environmental accounting This handbook will act as a significant publication in drawing together the history of the field and important reference points in its future development, and will serve as a vital resource for students and scholars of environmental accounting and environmental economics.

Essential Personal Finance

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Publisher : Routledge
ISBN 13 : 1351041649
Total Pages : 177 pages
Book Rating : 4.3/5 (51 download)

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Book Synopsis Essential Personal Finance by : Jonquil Lowe

Download or read book Essential Personal Finance written by Jonquil Lowe and published by Routledge. This book was released on 2018-12-13 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is increasing pressure for all of us to take responsibility for our own financial security and wellbeing, but we often overlook how the benefits that come with a job can help us do that. Essential Personal Finance: A Practical Guide for Employees focuses on these valuable work benefits and shows how you can build on this important foundation to achieve financial security and your life goals. This unique book explores how making effective and practical use of these work benefits (such as pension scheme, life cover, sick pay, cheap loans, savings schemes and even financial coaching), means facing up to the behavioural biases we are all plagued with. Given that these can get in the way of even the best intentions, Essential Personal Finance tackles these biases head-on with practical ideas and tips for overcoming or harnessing them for good, and will help you to develop a positive and fruitful relationship with your money. With financial stress being a major cause of absenteeism and sick leave, low morale and lost productivity, the advice in this book also offers employers enormous benefits. By empowering employees through financial education and financial awareness, progressive employers will help them feel more in control of their lives, and experience less stress, resulting in higher morale and productivity. Offering a distinctive approach which combines academic insight with practical financial wisdom and tools, this is a must-have book for all employees. It will help you make the most of everything your job has to offer so you can worry less about money and live life to the full.

Routledge International Handbook of Working-Class Studies

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Publisher : Routledge
ISBN 13 : 1351780271
Total Pages : 1035 pages
Book Rating : 4.3/5 (517 download)

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Book Synopsis Routledge International Handbook of Working-Class Studies by : Michele Fazio

Download or read book Routledge International Handbook of Working-Class Studies written by Michele Fazio and published by Routledge. This book was released on 2020-12-30 with total page 1035 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge International Handbook of Working-Class Studies is a timely volume that provides an overview of this interdisciplinary field that emerged in the 1990s in the context of deindustrialization, the rise of the service economy, and economic and cultural globalization. The Handbook brings together scholars, teachers, activists, and organizers from across three continents to focus on the study of working-class peoples, cultures, and politics in all their complexity and diversity. The Handbook maps the current state of the field and presents a visionary agenda for future research by mingling the voices and perspectives of founding and emerging scholars. In addition to a framing Introduction and Conclusion written by the co-editors, the volume is divided into six sections: Methods and principles of research in working-class studies; Class and education; Work and community; Working-class cultures; Representations; and Activism and collective action. Each of the six sections opens with an overview that synthesizes research in the area and briefly summarizes each of the chapters in the section. Throughout the volume, contributors from various disciplines explore the ways in which experiences and understandings of class have shifted rapidly as a result of economic and cultural globalization, social and political changes, and global financial crises of the past two decades. Written in a clear and accessible style, the Handbook is a comprehensive interdisciplinary anthology for this young but maturing field, foregrounding transnational and intersectional perspectives on working-class people and issues and focusing on teaching and activism in addition to scholarly research. It is a valuable resource for activists, as well as working-class studies researchers and teachers across the social sciences, arts, and humanities, and it can also be used as a textbook for advanced undergraduate or graduate courses.

The Routledge Handbook on Livelihoods in the Global South

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Publisher : Taylor & Francis
ISBN 13 : 1000581543
Total Pages : 713 pages
Book Rating : 4.0/5 (5 download)

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Book Synopsis The Routledge Handbook on Livelihoods in the Global South by : Fiona Nunan

Download or read book The Routledge Handbook on Livelihoods in the Global South written by Fiona Nunan and published by Taylor & Francis. This book was released on 2022-05-05 with total page 713 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook on Livelihoods in the Global South presents a unique, timely, comprehensive overview of livelihoods in low- and middle-income countries. Since their widespread adoption in the 1990s, livelihoods perspectives, frameworks and methods have influenced diverse areas of research, policy and practice. The concept of livelihoods reflects the complexity of strategies and practices used by individuals, households and communities to meet their needs and live their lives. The Handbook brings together insights and critical analysis from diverse approaches and experiences, learning from research and practice over the last 30 years. The Handbook comprises an introductory section on key concepts and frameworks, followed by five parts, on researching livelihoods, negotiating livelihoods, generating livelihoods, enabling livelihoods and contextualising livelihoods. The introduction provides readers with an appreciation of concepts researched and applied in the five parts, including chapters on vulnerability and resilience, social capital and networks, and institutions. Each part reflects the diversity of approaches taken to understanding livelihoods, whilst recognising commonalities, including the centrality of power in shaping, enabling and constraining livelihoods. The book also reflects diversity of context, including conflict, climate change and religion, as well as in generating livelihoods, through agriculture, small-scale mining and pastoralism. The aim of each chapter is to provide a critically informed introduction and overview of key concepts, issues and debates of relevance to the topic, with each chapter concluding with suggestions for further reading. It will be an essential resource to students, researchers and practitioners of international development and related fields. Researchers and practitioners will also benefit from the book's diverse disciplinary contributions and by the wide and contemporary coverage.

The Routledge Handbook of Accounting in Asia

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Publisher : Routledge
ISBN 13 : 1317281284
Total Pages : 314 pages
Book Rating : 4.3/5 (172 download)

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Book Synopsis The Routledge Handbook of Accounting in Asia by : Zhijun Lin

Download or read book The Routledge Handbook of Accounting in Asia written by Zhijun Lin and published by Routledge. This book was released on 2017-08-16 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the centre of world economic development has shifted towards Asia over the last two decades, many Asian countries have witnessed rapid growth in economic and business operations. In light of these recent changes, accounting has played a significant role in assisting economic transition and advancement in Asian countries. However, although the general trend over recent decades towards convergence in financial reporting standards and practices has dramatically improved the comparability of accounting information, considerable variances remain in practices between countries. This Handbook therefore provides an up-to-date review of contemporary accountancy across Asia, illustrating how standards have been reshaped to accommodate the needs of economic and social trends. As well as providing an overview of standards in the larger Asian economies of China, India and Japan, contributions to the Handbook also include studies of countries such as Sri Lanka, Nepal, Cambodia and Mongolia. In particular, this Handbook analyses: financial accounting and reporting management accounting auditing and accounting professionalization governmental and public-sector accounting accounting education accounting development in Asian emerging economies The Routledge Handbook of Accounting in Asia offers students, academics, regulators and practitioners an essential reference guide to the current scholarship and practice in the field of accountancy in Asia. It will be a useful resource in particular for students of accountancy, business studies and Asian studies.

The Routledge Handbook of Poverty in the United States

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Publisher : Routledge
ISBN 13 : 1317627393
Total Pages : 835 pages
Book Rating : 4.3/5 (176 download)

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Book Synopsis The Routledge Handbook of Poverty in the United States by : Stephen Haymes

Download or read book The Routledge Handbook of Poverty in the United States written by Stephen Haymes and published by Routledge. This book was released on 2014-12-17 with total page 835 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, the causes and even the meanings of poverty are disconnected from the causes and meanings of global poverty. The Routledge Handbook of Poverty in the United States provides an authoritative overview of the relationship of poverty with the rise of neoliberal capitalism in the context of globalization. Reorienting its national economy towards a global logic, US domestic policies have promoted a market-based strategy of economic development and growth as the obvious solution to alleviating poverty, affecting approaches to the problem discursively, politically, economically, culturally and experientially. However, the handbook explores how rather than alleviating poverty, it has instead exacerbated poverty and pre-existing inequalities – privatizing the services of social welfare and educational institutions, transforming the state from a benevolent to a punitive state, and criminalizing poor women, racial and ethnic minorities, and immigrants. Key issues examined by the international selection of leading scholars in this volume include: income distribution, employment, health, hunger, housing and urbanization. With parts focusing on the lived experience of the poor, social justice and human rights frameworks – as opposed to welfare rights models – and the role of helping professions such as social work, health and education, this comprehensive handbook is a vital reference for anyone working with those in poverty, whether directly or at a macro level.

Routledge Handbook of Banking and Finance in Asia

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Publisher : Routledge
ISBN 13 : 1134862075
Total Pages : 534 pages
Book Rating : 4.1/5 (348 download)

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Book Synopsis Routledge Handbook of Banking and Finance in Asia by : Ulrich Volz

Download or read book Routledge Handbook of Banking and Finance in Asia written by Ulrich Volz and published by Routledge. This book was released on 2018-10-26 with total page 534 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook of Banking and Finance in Asia brings together leading scholars, policymakers, and practitioners to provide a comprehensive and cutting-edge guide to Asia’s financial institutions, markets, and systems. Part I provides a country-by-country overview of banking and finance in East, Southeast, and South Asia, including examples from China, Japan, Hong Kong, India, and Singapore. Part II contains thematic chapters, covering topics such as commercial banking, development banking, infrastructure finance, stock markets, insurance, and sovereign wealth funds. It also includes examinations of banking regulation and supervision, and analyses of macroprudential regulation, capital flow management measures, and monetary policy. Finally, it provides new insights into topical issues such as SME, green, and Islamic finance. This handbook is an essential resource for scholars and students of Asian economics and finance and for professionals working in financial markets in Asia.

Countering Terrorist Finance

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Publisher : Gower Publishing, Ltd.
ISBN 13 : 0566087251
Total Pages : 248 pages
Book Rating : 4.5/5 (66 download)

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Book Synopsis Countering Terrorist Finance by : Tim Parkman

Download or read book Countering Terrorist Finance written by Tim Parkman and published by Gower Publishing, Ltd.. This book was released on 2007 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tim Parkman and Gill Peeling's Countering Terrorist Finance - A Training Handbook for Financial Services is a practical, specialist guide to the processes and skills needed to counter money laundering specifically related to terrorist financing. The book includes a CD of training materials to support each section and help compliance officers develop awareness and relevant behaviour amongst employees tasked with spotting and preventing terrorist financing activities.

Routledge Handbook of Higher Education for Sustainable Development

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Publisher : Routledge
ISBN 13 : 1317918118
Total Pages : 505 pages
Book Rating : 4.3/5 (179 download)

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Book Synopsis Routledge Handbook of Higher Education for Sustainable Development by : Matthias Barth

Download or read book Routledge Handbook of Higher Education for Sustainable Development written by Matthias Barth and published by Routledge. This book was released on 2015-10-08 with total page 505 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge International Handbook of Higher Education for Sustainable Development gives a systematic and comprehensive overview of existing and upcoming research approaches for higher education for sustainable development. It provides a unique resource for researchers engaged in the field of higher education for sustainable development by connecting theoretical aspects of the range of relevant methodologies, showing the interdisciplinary aspects of the research field and illustrating the breadth of research directions. With a team of international authors from leading universities in research and teaching in higher education for sustainable development this Handbook brings together a broad range of research approaches and shows how these approaches are reflected in the research practice in higher education for sustainable development. Key topics include: Research Paradigms and Methodologies Ongoing and Future Directions of Research Meta-Analysis and Reviews Policy and Politics Challenges for Implementation Action Research and Transdisciplinary Perspective Gender, Diversity and Post-Colonial Perspectives Operationalising Competencies Outcome-Oriented Research Curriculum Change Organisational Change and Organisational Learning Community and Partnerships University Appraisal Systems and Indicators Evaluation Approaches Engaging Academic Teachers Good Practice Learning and Teaching Transformative Leadership and Change Strategies This Handbook is an invaluable research and teaching tool for all those working in higher education for sustainable development.

The Routledge Companion to Accounting Education

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Publisher : Routledge
ISBN 13 : 1134511515
Total Pages : 760 pages
Book Rating : 4.1/5 (345 download)

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Book Synopsis The Routledge Companion to Accounting Education by : Richard M.S. Wilson

Download or read book The Routledge Companion to Accounting Education written by Richard M.S. Wilson and published by Routledge. This book was released on 2014-04-29 with total page 760 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many enquiries into the state of accounting education/training, undertaken in several countries over the past 40 years, have warned that it must change if it is to be made more relevant to students, to the accounting profession, and to stakeholders in the wider community. This book’s over-riding aim is to provide a comprehensive and authoritative source of reference which defines the domain of accounting education/training, and which provides a critical overview of the state of this domain (including emerging and cutting edge issues) as a foundation for facilitating improved accounting education/training scholarship and research in order to enhance the educational base of accounting practice. The Routledge Companion to Accounting Education highlights the key drivers of change - whether in the field of practice on the one hand (e.g. increased regulation, globalisation, risk, and complexity), or from developments in the academy on the other (e.g. pressures to embed technology within the classroom, or to meet accreditation criteria) on the other. Thirty chapters, written by leading scholars from around the world, are grouped into seven themed sections which focus on different facets of their respective themes – including student, curriculum, pedagogic, and assessment considerations.