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Enduring effects or business as usual?

Previous bankruptcy is often seen as sign of poor entrepreneurial skills but few have examined whether renascent entrepreneurs actually perform worse or better upon reentering and how performance differences might be explained. Using a sample of 1,745 Dutch SMEs firms of which 67 were managed by renascent entrepreneurs this study examines potential differences in performance between renascent and other firms and explores to what extent this can be attributed to effects of the bankruptcy involvement on embeddedness, innovativeness, ambition and financial discipline. Non-parametric and multiple mediation analyses were conducted to test a set of hypotheses. Renascent entrepreneurs were found to show better sales level and were more innovative but also indicate more negative growth rates. Further, they show less financial discipline, but do not differ in their overall embeddedness and ambition levels. These mixed findings suggest that previous bankruptcy involvement is not necessarily a clear admission of failure.

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De rol van re-integratie bij de aanpak van schulden

Deze quick scan heeft als centrale vraag hoe er in Europese landen wordt omgegaan met arbeidstoeleiding in de aanpak van schulden. De hypothese die onder deze quick scan ligt is dat de aanpak van schulden belemmerd kan worden door het ontbreken van betaald werk (want doorgaans minder inkomsten). In voorliggend document is uitgewerkt wat de quick scan heeft opgeleverd. Door zowel vanuit de arbeidstoeleiding als vanuit de aanpak van schulden te kijken, heeft UWV een breed inzicht verkregen van hetgeen Nederland kan leren uit de manier waarop andere landen omgaan met de samenloop van financiële problemen en werkloosheid. De opbouw van deze quick scan is als volgt. 1 Schets van de samenhang tussen schuldenproblematiek en re-integratie 2 Omvang van de schuldenproblematiek in relatie tot werkloosheid. 3 Kenmerken van Europese stelsels om schulden op te lossen. 4 Hoe wordt re-integratie ingezet in de verschillende landen? 5 Concluderende overweging Bijlage 1 Enquête die is verstuurd om inzichten te verkrijgen. Bijlage 2 Belangrijkste constateringen per land.

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De rol van re-integratie bij de aanpak van schulden

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Risicomanagement, interne controle en de kredietschandalen.

Als gevolg van nieuwe wetgeving zoals Sarbanes-Oxley en gedragscodes als die van de commissie Tabaksblat is het de expliciete verantwoordelijkheid van de directie om te zorgen voor een adequaat en effectief risicomanagement en intern beheersingssysteem. Het is opvallend dat deze nieuwe interne-controlevereisten de kredietcrisis niet hebben kunnen voorkomen in een zo streng gereguleerde bedrijfstak als die van de financiële dienstverlening. De grote vraag is dan ook hoe dit allemaal heeft kunnen gebeuren en welke mogelijke lessen er te trekken zijn.

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Risicomanagement, interne controle en de kredietschandalen.

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The Financial Credit Risk Assessment Model

Within recent years, Financial Credit Risk Assessment (FCRA) has become an increasingly important issue within the financial industry. Therefore, the search for features that can predict the credit risk of an organization has increased. Using multiple statistical techniques, a variance of features has been proposed. Applying a structured literature review, 258 papers have been selected. From the selected papers, 835 features have been identified. The features have been analyzed with respect to the type of feature, the information sources needed and the type of organization that applies the features. Based on the results of the analysis, the features have been plotted in the FCRA Model. The results show that most features focus on hard information from a transactional source, based on official information with a high latency. In this paper, we readdress and -present our earlier work [1]. We extended the previous research with more detailed descriptions of the related literature, findings, and results, which provides a grounded basis from which further research on FCRA can be conducted.

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The Financial Credit Risk Assessment Model

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Digital Sustainability Practices: a Research Agenda

Expectations are high for digital technologies to address sustainability related challenges. While research into such applications and the twin transformation is growing rapidly, insights in the actual daily practices of digital sustainability within organizations is lacking. This is problematic as the contributions of digital tools to sustainability goals gain shape in organizational practices. To bridge this gap, we develop a theoretical perspective on digital sustainability practices based on practice theory, with an emphasis on the concept of sociomateriality. We argue that connecting meanings related to sustainability with digital technologies is essential to establish beneficial practices. Next, we contend that the meaning of sustainability is contextspecific, which calls for a local meaning making process. Based on our theoretical exploration we develop an empirical research agenda.

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Digital Sustainability Practices: a Research Agenda

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A value sensitive design approach to equitable remuneration of the Dutch music copyright system in the digital age

There is a need for modernizing the Dutch collective management system of music copyright to match the rapidly changing digital music industry. Focusing on the often-neglected human values aspect, this study, part of a larger PhD research, examines the value preferences of music rights holders: creators and publishers. It aims to advise on technological redesign for music copyright management system and contribute to discussions on equitable collective management. Building upon prior research, which comprehensively analyzed the Dutch music copyright system and identified key stakeholders, this paper analyses 24 interviews with those key stakeholders to identify their values and potential value tensions. Initial findings establish a set of shared values, crucial for the next phases of the study –values operationalization. This research makes a academic contribution by integrating the Value Sensitive Design (VSD) approach with Distributive Justice Theory, enriching VSD's application and enhancing our understanding of the Economics of Collective Management (ECM).

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A value sensitive design approach to equitable remuneration of the Dutch music copyright system in the digital age

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Below the Market: On the Artist Pension Trust and the Future of Self-Organized Redistribution

Artists and other cultural workers have tried to create stable, long-term collective income systems for themselves forever. In 2004, an American tech entrepreneur launched one of the most ambitious redistribution schemes up to date, the Artist Pension Trust (APT). The idea was to give artists not just long-term income, but even a pension—a luxury highly uncommon among the professional group. Practically, the trust pools artworks of participating artists and sells them over time to provide the artists with a stable, long-term source of income. But in recent years, the APT has come to be known especially for a seemingly never-ending series of scandals.It became apparent that the APT was going south in 2018 when ArtForum reported that over 20 British participating artists were suing the organization for being utterly dysfunctional. In July 2021, a very similar story by the New York Times broke the news, showing that the APT did not learn from its mistakes. The fund's public image of a promising artists’ solidarity model disintegrated, laying bare the APT's tech and finance-driven, extractive business model.The APT model requires our critical attention because it can easily be misconceived as yet another failure of artist solidarity and proof that self-organization cannot resist platform extractivism. Forget about the redistribution of wealth. However, the opposite is true. We’re not dealing with the bankruptcy of artist self-organization and decentral redistribution here. We’re witnessing the urgency to create the real deal. We can’t wait for platform corporations to create the infrastructures and business models we need to fight precarity. Seeing the APT going down, we ask: What are the alternatives? How can art workers reclaim agency in the struggle for solidarity, against precarity?

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Enhancing process model visualisation to facilitate the understanding of stakeholders

Over the past forty years, the use of process models in practice has grown extensively. Until twenty years ago, remarkably little was known about the factors that contribute to the human understandability of process models in practice. Since then, research has, indeed, been conducted on this important topic, by e.g. creating guidelines. Unfortunately, the suggested modelling guidelines often fail to achieve the desired effects, because they are not tied to actual experimental findings. The need arises for knowledge on what kind of visualisation of process models is perceived as understandable, in order to improve the understanding of different stakeholders. Therefore the objective of this study is to answer the question: How can process models be visually enhanced so that they facilitate a common understanding by different stakeholders? Consequently, five subresearch questions (SRQ) will be discussed, covering three studies. By combining social psychology and process models we can work towards a more human-centred and empirical-based solution to enhance the understanding of process models by the different stakeholders with visualisation.

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Enhancing process model visualisation to facilitate the understanding of stakeholders

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Debt management pays off! A Research on the Cost and Benefits of Debt Management in the Netherlands

The number of applications for debt management services in the Netherlands shows a steady increase of about 10 percent each year, over the last few years. Municipalities, responsible for these services, at the same need to cut back on expenditures. Our research shows that the (social) return on debt management is on average twice as high as the costs. These benefits are mainly found in the areas of social welfare and housing. Since debts are a reason for employers not to hire or not to continue employment, debt management increases the chance of (continued) employment and therefore helps reduce costs of unemployment and welfare benefits. Since housing corporations spend large sums of money on evictions, the prevention of evictions through debt management also reduces costs in that area. The ratio between the costs and benefits is only partly influenced by the quality of execution. Social structure offers a better explanation, where a weaker social structure results in greater benefits. Our findings are based on extensive research of individual files combined with interviews with professionals. Only direct if-then relations were considered. This means that in reality the cost-benefit ratio may even be more favorable. Municipalities should therefore be careful in cutting back on debt management services. On the other hand, crosslinking debt management with welfare payments and co-operating with housing corporations could open up opportunities for co-financing debt management services.

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Products 38

Enduring effects or business as usual?

De rol van re-integratie bij de aanpak van schulden

Risicomanagement, interne controle en de kredietschandalen.

The Financial Credit Risk Assessment Model

Digital Sustainability Practices: a Research Agenda

A value sensitive design approach to equitable remuneration of the Dutch music copyright system in the digital age

Below the Market: On the Artist Pension Trust and the Future of Self-Organized Redistribution

Enhancing process model visualisation to facilitate the understanding of stakeholders

Debt management pays off! A Research on the Cost and Benefits of Debt Management in the Netherlands

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Products 38

Enduring effects or business as usual?

De rol van re-integratie bij de aanpak van schulden

Risicomanagement, interne controle en de kredietschandalen.

The Financial Credit Risk Assessment Model

Digital Sustainability Practices: a Research Agenda

A value sensitive design approach to equitable remuneration of the Dutch music copyright system in the digital age

Below the Market: On the Artist Pension Trust and the Future of Self-Organized Redistribution

Enhancing process model visualisation to facilitate the understanding of stakeholders

Debt management pays off! A Research on the Cost and Benefits of Debt Management in the Netherlands