Consumer Purchasing Decisions in Financial Institutions: Corporate Social Responsibility Strategy

Whilst there have been significant amounts of literature written on CSR there is still a gap in understanding how CSR activities influence consumers perception. This gap is particularly evident in the financial services sector given they are the largest contributors to CSR in Australia (ACCSR, 2011). The aim of this research is how CSR activities can influence the purchasing behaviour of consumers when it comes to financial institutions. There is a further gap in the literature in understanding how perceptions of consumers towards CSR change dependent on situational context. In addressing the research problem, the study focusses on understanding the most influential CSR initiatives, understanding how the influence of CSR initiatives can change depending on situational context and then delves further to understand how demographic attributes can alter perception. Bhattacharya and Sen’s (2004) framework was used to frame the questionnaire that was answered by 1014 respondents, showing to be sufficiently representative of the Australian population. The outcomes of this research were used to develop a comprehensive framework for Australian Financial Institutions to use when developing their CSR strategy. It was clear that across all investment types and situational contexts, Community Support was the most influential form of CSR across the sample. Whilst this was the case, the level of influence differed across demographic groups and changed to varying degrees based on situational context dependent on the respondent. Community Support’s influence as a CSR initiative was clearly ahead of others presented to the respondents followed by Employee Support and Environment Support dependent on the investment method and the situational context. This research also addresses the question of influence of demographics by finding that they are a major factor in what and how CSR initiatives influence a person. This dissertation has led to the development of the CSR Strategic Investment Application (SIA) Framework which can be used by Financial Institutions in the development of an optimal CSR strategy, and a revised version of Bhattacharya and Sen’s (2004) framework leading to the Enhanced CSR Framework Model which can be applied by Australian Financial Institutions in future

Corporate Social Responsibility Strategy and its Influence Over Consumer Purchasing Decisions in Financial Institutions

The aim of this research is how CSR activities can influence the purchasing behaviour of consumers when it comes to financial institutions. Whilst there have been significant amounts of literature written on CSR there is still a gap in understanding how CSR activities influence consumers perception. This gap is particularly evident in the financial services sector given they are the largest contributors to CSR in Australia (ACCSR, 2011). There is a further gap in the literature in understanding how perceptions of consumers towards CSR change dependant on situational context. In addressing the research problem, the study focusses on understanding the most influential CSR initiatives, understanding how the influence of CSR initiatives can change depending on situational context and then delves further to understand how demographic attributes can alter perception. Bhattacharya and Sen’s (2004) framework was used to frame the questionnaire that was answered by 1014 respondents, showing to be sufficiently representative of the Australian population. The outcomes of this research were used to develop a comprehensive framework for Australian Financial Institutions to use when developing their CSR strategy. It was clear that across all investment types and situational contexts, Community Support was the most influential form of CSR across the sample. Whilst this was the case, the level of influence differed across demographic groups and changed to varying degrees based on situational context dependent on the respondent. Community Support’s influence as a CSR initiative was clearly ahead of others presented to the respondents followed by Employee Support and Environment Support dependent on the investment method and the situational context. This research also addresses the question of influence of demographics by finding that they are a major factor in what and how CSR initiatives influence a person. This dissertation has led to the development of the CSR Strategic Investment Application (SIA) Framework which can be used by Financial Institutions in the development of an optimal CSR strategy, and a revised version of Bhattacharya and Sen’s (2004) framework leading to the Enhanced CSR Framework Model which can be applied by Australian Financial Institutions in future

Corporate Social Responsibility Strategy and its Influence over Consumer Purchasing Decisions in Financial Institutions

The aim of this research is how CSR activities can influence the purchasing behaviour of consumers when it comes to financial institutions. Whilst there have been significant amounts of literature written on CSR there is still a gap in understanding how CSR activities influence consumers perception. This gap is particularly evident in the financial services sector given they are the largest contributors to CSR in Australia (ACCSR, 2011). In addressing the research problem, the study focusses on understanding the most influential CSR initiatives, understanding how the influence of CSR initiatives can change depending on situational context and then delves further to understand how demographic attributes can alter perception. Bhattacharya and Sen’s (2004) framework was used to frame the questionnaire that was answered by 1014 respondents, showing to be sufficiently representative of the Australian population. The outcomes of this research were used to develop a comprehensive framework for Australian Financial Institutions to use when developing their CSR strategy. It was clear that across all investment types and situational contexts, Community Support was the most influential form of CSR across the sample. Whilst this was the case, the level of influence differed across demographic groups and changed to varying degrees based on situational context dependent on the respondent. Community Support’s influence as a CSR initiative was clearly ahead of others presented to the respondents followed by Employee Support and Environment Support dependent on the investment method and the situational context

Infrared study of the eta Chamaeleontis cluster and the longevity of circumstellar discs

We have analyzed JHKL observations of the stellar population of the ~9 Myr-old eta Chamaeleontis cluster. Using infrared (IR) colour-colour and colour-excess diagrams, we find the fraction of stellar systems with near-IR excess emission is 0.60 pm 0.13 (2_sigma). This results implies considerably longer disc lifetimes than found in some recent studies of other young stellar clusters. For the classical T Tauri (CTT) and weak-lined T Tauri (WTT) star population, we also find a strong correlation between the IR excess and H_alpha emission. The IR excesses of these stars indicate a wide range of star-disc activity; from a CTT star showing high levels of accretion, to CTT - WTT transition objects with evidence for some on-going accretion, and WTT stars with weak or absent IR excesses. Of the 15 known cluster members, 4 stars with IR excesses delta(K-L) > 0.4 mag are likely experiencing on-going accretion owing to strong or variable optical emission. The resulting accretion fraction (0.27 pm 0.13; 2_sigma) shows that the accretion phase, in addition to the discs themselves, can endure for at least ~10 Myr.Comment: 7 pages, 4 figures, accepted for MNRA

History of Periodontitis Diagnosis and Edentulism as Predictors of Cardiovascular Disease, Stroke, and Mortality in Postmenopausal Women

BACKGROUND: Few studies have reported associations between periodontitis and cardiovascular disease (CVD) risk in older women, which is the objective of the present investigation. METHODS AND RESULTS: Participants were 57 001 postmenopausal women ages 55 to 89 years (mean 68 years; \u3e 85% 60 and older) who were enrolled (1993-1998) in the Women\u27s Health Initiative Observational Study, and were without known CVD when history of periodontitis and edentulism was assessed by questionnaire at study Year-5 (1998-2003). There were 3589 incident CVD events and 3816 total deaths during a mean follow-up of 6.7 years. In multivariable analysis, periodontitis was not associated with CVD events, but was associated with higher total mortality (hazard ratio (HR)=1.12, 95% CI: 1.05-1.21). Edentulism was associated with higher age- and smoking-adjusted risks of CVD (HR=1.42, 95% CI: 1.27-1.59) and mortality (HR=1.47, 95% CI: 1.32-1.63). Further adjustment eliminated the association with CVD, but mortality remained significantly increased (HR=1.17, 95% CI: 1.02-1.33). Stratification on age, race-ethnicity, smoking, and diabetes mellitus yielded comparable results; however, edentulism was more strongly associated with CVD in women reporting \u3e /=1 dental visit (HR=1.57) compared with (HR 1.03, interaction P=0.004) annually. CONCLUSIONS: In community-dwelling older women, edentulism was associated with increased risks of CVD and total mortality, and presence of periodontitis, which is more prevalent than edentulism, was associated with 17% higher mortality rate. These findings suggest that improving periodontal condition of the general population could reduce overall mortality

Observations on the changing language of accounting

The meaning of words can change over time. In addition, new words may enter a language, sometimes replacing other words. This article extends prior literature on language change in accounting by drawing to a larger extent on theories from linguistics, and by placing greater emphasis on mechanisms of and motivations for change. Particular emphasis is placed on the need to verbalize new concepts, and sociocultural change. The latter is illustrated with examples from the development of accounting as an occupational interest group, and the adoption of Anglo-American accounting terminology and culture. The article concludes that language change in accounting, including transmission between languages and cultures, can inform accounting historians about the transfer of technical developments, as well as about socio-economic, political or ideological processes, power relationships, and the importance of terminology in jurisdictional disputes

Successful Blue Economy Examples With an Emphasis on International Perspectives

Careful definition and illustrative case studies are fundamental work in developing a Blue Economy. As blue research expands with the world increasingly understanding its importance, policy makers and research institutions worldwide concerned with ocean and coastal regions are demanding further and improved analysis of the Blue Economy. Particularly, in terms of the management connotation, data access, monitoring, and product development, countries are making decisions according to their own needs. As a consequence of this lack of consensus, further dialogue including this cases analysis of the blue economy is even more necessary. This paper consists of four chapters: (I) Understanding the concept of Blue Economy, (II) Defining Blue economy theoretical cases, (III) Introducing Blue economy application cases and (IV) Providing an outlook for the future. Chapters (II) and (III) summarizes all the case studies into nine aspects, each aiming to represent different aspects of the blue economy. This paper is a result of knowledge and experience collected from across the global ocean observing community, and is only made possible with encouragement, support and help of all members. Despite the blue economy being a relatively new concept, we have demonstrated our promising exploration in a number of areas. We put forward proposals for the development of the blue economy, including shouldering global responsibilities to protect marine ecological environment, strengthening international communication and sharing development achievements, and promoting the establishment of global blue partnerships. However, there is clearly much room for further development in terms of the scope and depth of our collective understanding and analysis

Genetically predicted longer telomere length is associated with increased risk of B-cell lymphoma subtypes

Evidence from a small number of studies suggests that longer telomere length measured in peripheral leukocytes is associated with an increased risk of non-Hodgkin lymphoma (NHL). However, these studies may be biased by reverse causation, confounded by unmeasured environmental exposures and might miss time points for which prospective telomere measurement would best reveal a relationship between telomere length and NHL risk. We performed an analysis of genetically inferred telomere length and NHL risk in a study of 10 102 NHL cases of the four most common B-cell histologic types and 9562 controls using a genetic risk score (GRS) comprising nine telomere length-associated single-nucleotide polymorphisms. This approach uses existing genotype data and estimates telomere length by weighing the number of telomere length-associated variant alleles an individual carries with the published change in kb of telomere length. The analysis of the telomere length GRS resulted in an association between longer telomere length and increased NHL risk [four B-cell histologic types combined; odds ratio (OR) = 1.49, 95% CI 1.22–1.82, P-value = 8.5 × 10−5]. Subtype-specific analyses indicated that chronic lymphocytic leukemia or small lymphocytic lymphoma (CLL/SLL) was the principal NHL subtype contributing to this association (OR = 2.60, 95% CI 1.93–3.51, P-value = 4.0 × 10−10). Significant interactions were observed across strata of sex for CLL/SLL and marginal zone lymphoma subtypes as well as age for the follicular lymphoma subtype. Our results indicate that a genetic background that favors longer telomere length may increase NHL risk, particularly risk of CLL/SLL, and are consistent with earlier studies relating longer telomere length with increased NHL risk