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Financial constraints, risk taking and firm performance: Recent evidence from microfinance clients in Tanzania

Financial constraints and risk taking are two well-established determinants of firm performance, however, no research analyzes how these variables are connected in the context of a high risk environment. Using data from microfinance clients in Tanzania, we derive a novel financial constraints measure and incorporate a psychometric risk taking scale. Results confirm the importance of access to finance and risk attitudes for business development. Also, we provide preliminary evidence for an interaction between financial constraints and risk taking. Financial constraints “throw sand in the wheels” and protect risk taking entrepreneurs from the negative impact of risk taking on microenterprise performance.

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Financial constraints, risk taking and firm performance: Recent evidence from microfinance clients in Tanzania

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Book review – Feminisms in Leisure Studies. Advancing a Fourth Wave

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How client attachment affects information verification in commercial valuation practice

Purpose – Information verification is an important factor in commercial valuation practice.Valuers use their professional autonomy to decide on the level of verification required, thereby creating an opportunity for client-related judgement bias in valuation. The purpose of this paper is to assess the manifestation of client attachment risks in information verification. Design/methodology/approach – A case-based questionnaire was used to retrieve data from 290 commercial valuation professionals in the Netherlands, providing a 15 per cent response rate of the Dutch commercial valuation population. Descriptive and inferential statistics have been used to test research hypotheses involving relations between information verification and professional features that may indicate client attachment such as an executive job level and brokerage experience. Findings – The results reveal that valuers acting at partner level within their organisation obtain lower scores on information verification compared to lower-ranked valuers. Also, brokerage experience correlates negatively to information verification of valuation professionals. Both findings have statistical significance. Research limitations/implications – The results reflect valuers’ reasoning behaviour rather than actual behaviour. Replication of findings through experimental design will contribute to research validity. Practical implications – Maintaining close client contact in a competitive environment is important for business continuity yet may foster client attachment.The associated downside risks in valuation practice call for higher awareness of (subconscious) client influence and the development of attitudinal scepticism in valuer training programmes. Originality/value – This paper is one of the few that explore possible sources of valuer judgement bias by relating client-friendly valuer features to a key area of valuation i.e. information verification.

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In-depth assessment of the situation of the textile and clothing sector in the EU and prospects

The in-depth assessment of the situation of the European textile and clothing sector is composed by six independent reports with a close focus on key aspects useful to understand the dynamics and the development of the textile and clothing industry, drivers of change – most notably the impact of the financial crisis – and identification of policy responses and best practices. This has been done in six specific tasks leading to the six reports: Task 1 Survey on the situation of the EU textile and clothing sector Task 2 Report on research and development Task 3 Report on SME situation Task 4 Report on restructuring Task 5 Report on training and Education Task 6 Report on innovation practices. This final report draws on the key findings of each independent report, highlighting major conclusions in order to describe the situation of the textile and clothing industry and the way forward for the sector. In line with the terms of reference the findings in the six reports have been analysed in connection with the developments following the recommendations drafted by the High Level Group on textiles and clothing (further referred to as HLG), installed in 2004 as a response to the European Commission Communication of 29th of October 2003 on the textile and clothing industry. The HLG was composed of leading personalities representing stakeholders in the textiles and clothing industry and issued two reports entailing a vision and recommendations.

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In-depth assessment of the situation of the textile and clothing sector in the EU and prospects

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‘Ik dacht dat de scenariomethode alleen voor professionals was’

Toekomstscenario’s kunnen niet alleen behulpzaam zijn bij het ondersteunen bij strategische beslissingen in ondernemingen (zoals hogescholen en universiteiten), maar ook bij het reflecteren opmaatschappelijke ontwikkelingen. Het ontwikkelen van toekomstscenario’s doet een beroep op een groot aantal vaardigheden en kan daarom ook gebruikt worden om die vaardigheden te ontwikkelenbij studenten. In dit artikelen schetsen we de mogelijkheden om scenario-ontwikkeling te gebruiken als didactische methode in het hoger onderwijs ter stimulering van analytische, creatieve en reflectieve vaardigheden.

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‘Ik dacht dat de scenariomethode alleen voor professionals was’

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Pillars of Hope

Aan de basis van die wedergeboorte stond de vraag centraal hoe het werk relevant kon worden gemaakt. Gerrit: ‘De technologie heeft sinds 2015 niet stilgestaan en het oorspronkelijke idee om de pilaren tweets te laten uitspreken vonden we al wat achterhaald. Toen zijn we gaan nadenken over het gebruik van artificial intelligence (AI). Kunnen we dit werk zelflerend maken en de pilaren met elkaar in gesprek laten gaan? Onder de vleugels van Andy Docket van het Visual Methodologies Collective van de HvA leerden we meer over AI en besloten we dat dit de nieuwe invalshoek van het project moest worden.’

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Jezelf schrijven bij rouw

In november 2018 overleed Frans Meijers; onderzoeker, lector, en levenspartner van Reinekke Lengelle. Reinekke en Frans werkten en schreven samen en hebben de narratieve methode Career Writing (loopbaanschrijven) ontwikkeld. In haar onlangs verschenen boek Writing the Self in Bereavement beschrijft ze haar leven met Frans. Ze vertelt ook over haar verdriet en combineert eigen ervaringen met huidig wetenschappelijk onderzoek over rouw. In dit artikel reageert ze op een aantal vragen die ze in eerdere interviews werd gesteld.

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When your partner dies: a conversation about writing and Post-Traumatic Growth in widowhood

Young widowhood, conceptualized as the loss of one’s spouse before the age of 50, is a profoundly painful and distressing loss (Den Elzen, 2017, 2018). The literature on young widowhood shows the death of a partner generally causes a fragmentation of the self, as it violates expectations of the normal life cycle, namely growing old together (Haase and Johnston, 2012; Levinson, 1997). Premature loss of one’s spouse tends to be experienced by the surviving partner as distressing or traumatizing, such as having witnessed their suffering in illness or through accident (Den Elzen, 2018) or in struggling with unfinished business (Holland et al, 2020). Whilst post-traumatic stress is well-known and has been widely researched across various disciplines, the concept of post-traumatic growth is much newer and by contrast has received less attention. PTG was introduced as a scholarly concept by Tedeschi and Calhoun in the mid-1990s and is defined as a positive psychological change as a result of the struggle with highly challenging life events (2004). Calhoun and Tedeschi’s notion of PTG has been backed by a recent systematic review. In the first meta-analysis of moderate-to-high PTG, Wu et al. found that of the 10,181 subjects, about 50% experienced PTG (2019). They also reported that women, young people and victims of trauma experienced higher levels of PTG than men, the elderly and those who experienced indirect trauma. PTG has attracted some controversy, with some researchers questioning its scientific validity (Jayawickreme and Blackie, 2014). Others caution against the minimization of people’s suffering. Hayward is a trauma counsellor who advises approaching PTG carefully, highlighting that if it is introduced with clients too early it can "often be construed as minimizing someone's pain and suffering and minimizing the impact of the loss" (cited in Collier, 2016, n.p.). In addressing the critique of PTG, Calhoun and Tedeschi (2006) emphasize that the focus on investigating positive psychological change following trauma does not deny the common and well-documented negative psychological responses and distress following severe life stresses: “Negative events tend to produce, for most persons, consequences that are negative” (p.4). They argue however, and their research supports this finding, that for many people distressful events can foster positive psychological changes. We view PTG as a possibility following (profound) loss, and emphasize that PTG may continue to co-exist with painful and/or unresolved emotions regarding the loss itself. We conceptualize PTG as a continuum and not as an either/or binary with grief. Further, we wish to highlight that PTG is a highly individual process that depends on many factors, and we are not suggesting that the absence of PTG is to be seen as a failure. This chapter intends to contribute to the study of PTG through a person-centered approach. The most used method to assess PTG is the 21-item posttraumatic growth inventory developed by Calhoun and Tedeschi in 1996 (Jayawickreme & Blackie, 2014). Self-reported posttraumatic growth has been the foundation of PTG research, which has aimed to identify to what extent PTG evokes improved psychological and physical health. In discussing our own creative narrative processes of PTG, our practice-led-research lens aims to contribute to research on how PTG might be fostered. We propose a Writing-for-wellbeing approach in this context and explore what it offered us both as writers and widows and what it might offer the field of Writing-for-wellbeing and by extension clinical and scholarly practice.

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When your partner dies: a conversation about writing and Post-Traumatic Growth in widowhood

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Writing the Self and Bereavement

That expressive writing can be a beneficial response to trauma or grief is well-established in the literature. Grief research also shows that the majority of people are resilient in the face of the death of loved ones. That said, traditional rituals around loss are no longer ubiquitous, well-known phase models of bereavement are contested, and ‘unfinished business’ can create difficulties in the face of loss. Increasingly, bereavement scholars speak of a need for individuals in western society to make meaning of their own grief through narrative construction, though little is said about what constitutes a beneficial story. The author takes an autoethnographic approach to write and reflect on her spouse’s illness and death and explores through a multi-voiced expressive dialogue a personal issue around her bereavement. In an analysis of her writing, using Dialogical Self Theory, she identifies markers which may be indicative of the development of a beneficially constructed narrative. The model of writing-for-transformation is used to describe the overall intent of the process, while the dialogical markers show how progress may be identified. Reinekke Lengelle (2020) Writing the Self and Bereavement: Dialogical Means and Markers of Moving Through Grief, Life Writing, 17:1, 103-122, DOI: 10.1080/14484528.2020.1710796

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Products 51

Financial constraints, risk taking and firm performance: Recent evidence from microfinance clients in Tanzania

Book review – Feminisms in Leisure Studies. Advancing a Fourth Wave

How client attachment affects information verification in commercial valuation practice

In-depth assessment of the situation of the textile and clothing sector in the EU and prospects