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Health shocks are among the factors that have impeded households from experiencing better welfare. To mitigate the consequences of these shocks, individuals have sought to enrol in a formal insurance scheme or borrow from banks. This study estimates the effects of health shocks on households' welfare while examining the mitigating role of social assistance in Ghana.

The study utilized the three-stage least squares and feasible generalized least squares to estimate the impact of health shocks on households' welfare.

The authors find that health shocks put households at risk, particularly disability and severe illness, which significantly limits individuals’ ability to smooth consumption to increase welfare. We further find that hospitalization due to illness significantly allows households to increase welfare through consumption. Finally, we find that social assistance has the potential to reduce these adverse effects of shocks conditioned on the type of shock and the outcome variable in question.

First, we only used cross-sectional data for the two waves and therefore lacked panel data across time for analyses. Second, the data do not provide information on the exact amount of cash received by beneficiaries, so it was quite impossible to measure the exact effect of social assistance on welfare. We could only track whether or not having such assistance could mitigate the effect of a health shock.

The practical implication of the findings is that Ghana needs to build a resilient health system in order to withstand the health shocks of individuals.

No study has attempted to investigate the differential effect of health shocks – hospitalization, disability and labour days lost due to illness in Ghana. Our choice is dependent on the fact that these shocks have been an issue for many households in Ghana, thus the need to examine their impact on individual well-being. Second, social assistance has been Ghana’s flagship social protection programme, but what is missing in the literature is whether this programme is capable of reducing the effect of health shocks faced by beneficiaries’ households in Ghana.

This paper is a proposal to provide for the poor – those earning insufficient incomes to satisfy their needs and the unemployed – by enabling them to acquire dividend-paying (and voting) shares in the companies that produce the goods and services consumed in society. It will be accomplished by: (1) establishing a mortgage loan at birth for every newborn child; (2) the loans will be taken out by each of the major producing companies (plus start-ups) in the names of the children as firms do their annual planning; (3) the amount of the loan will be increased annually when the companies plan for succeeding years; (4) a portfolio of new assets – stocks and bonds – in the companies will be purchased with the funds from the mortgage loan; (5) the loan will be repaid over a period of years from the dividends paid by the companies. Once redeemed, the assets, and their future earnings, will belong to the person in whose name the mortgage loan was established. Should the program include all newborns, rich and poor in the name of fairness, when today's cohort reaches maturity, every member of society will be a shareholder in a variety of wealth producing companies that pay regular dividends. The proposal will not require funds from the government and no additional taxes will have to be raised.

When I think about the relative abundance of data in digital media research, I often recall a remark I overheard – it’s just like digital hoarding? – while presenting digital ethnographic research at a youth mental health conference. I study youth mental health and social media and often interact with scholars who privilege more systematic, empiricist ways of understanding young people’s lives, in contrast to my own iterative approaches to collecting, archiving and creating with what feels like endless digital and non-digital data. In this chapter, I return to the remark and explore digital hoarding as a productive and generative concept for exploring excess digital data in digital ethnography research and fieldwork. I argue for interpreting excess data as inevitable in digital fieldwork and something that is potentially, but not necessarily always, generative for digital media researchers. By sharing research on how people talk about hoarding possessions and reviewing hoarding in digital contexts, I discuss how digital media research may mirror, or at least attempt to mirror, the complex yet everyday quotidian digital practices, including digital hoarding, of people and the digital cultures they create and participate in. This chapter considers the implications of digital hoarding in fieldwork and how embracing digital excess and hoarding may disrupt systematic approaches to digital organisation or attempts to predetermine hierarchical relationships between data. In doing so, I do not attempt to formalise my methods as a digital ethnographer but instead aim to focus on creativity, curiosity and fluidity as guiding principles in digital fieldwork.

Saudi Arabia (SA) is amongst the few countries with a significant foreign workforce who are employed in the higher education sector. More specifically, 39% of SA's academic staff members are foreign nationals and 63% of that proportion occupy professorial positions. Drawing from a workforce localisation perspective, the study was framed as an exploration of equity and social justice amongst Saudi nationals and foreign nationals in a university work setting. The authors employ the lens of how human resource development (HRD) opportunities are administered.

Following the choice of an exploratory qualitative study, the authors employed a multi-case study approach where each of the six universities represented a unit of analysis.

The authors found that nationality differences influenced access to HRD opportunities. These differences are reinforced by practices associated with procedural processes, managerial discretion and selective restrictions in accessing HRD opportunities.

The findings have both practical and social implications, specifically for the SA government's strategic vision of developing local human capabilities.

The workforce localisation agenda within the higher education sector has both a compounding effect on local human capital and supports SA's 2030 Vision and human capital target. Nonetheless, perceived inequity and injustice in accessing HRD opportunities by foreign nationals potentially undermine morale, academic quality standards and research performance, which impacts the development of future human capital and the ‘Saudization’ goals.

Using attribution theory, this study examined the effects of situational factors [time budget pressure (TBP), organisational ethical culture (OEC) and quality control procedures (QCPs)] and dispositional factors [auditor professional commitment (APC) and internal locus of control (ILOC)] on audit quality threatening behaviour (AQTB). In addition, it observed the moderating role of religiosity in the relationship between situational and dispositional factors and AQTB.

A total of 189 external auditors responded to the survey questionnaire. This study employed structural equation modelling via SmartPLS to analyse the proposed model.

The results documented that the OEC and QCPs situational factors were negatively related to the incidence of AQTB, whilst TBP was positively linked to the incidence of AQTB. Dispositional factors APC and ILOC were negatively connected to AQTB. Furthermore, the findings recorded the moderating effect of religiosity on most of the situational and dispositional factors related to AQTB.

Regulators and accounting firms' efforts to promote high audit quality (AQ) may consider the theological/religious lens and reinforce ethical culture and quality control to reduce AQTB.

The findings provide further insights into situational and dispositional factors that may cause or impede the incidence of AQTB in auditing practices, as well as the moderating role of religiosity in curbing AQTB.

The purpose of this article is to elicit understanding of how forgiveness, religion and spirituality, and relationships can better our lives. It draws from the life of Everett L. Worthington, Jr, a positive psychologist and Commonwealth Professor Emeritus at Virginia Commonwealth University. He has published almost 50 books and over 500 scholarly articles or chapters.

This is a case study, followed by a ten-question interview. The core methodology is positive autoethnography which is embraced by Worthington to reveal life lessons from things he has done.

Worthington reveals a life honoring the interwoven lives of people. He has studied forgiveness intensively and finds it to be an essential way of making our way in the world and in a world community that all too often hosts hurt.

An extensive literature has developed to understand what forgiveness is, how it comes about naturally and how the REACH Forgiveness method can help people who struggle to forgive themselves or others, and do it more quickly, thoroughly and frequently. Forgiving has psychological, social, spiritual and physical benefits to the forgiver.

This article is filled with practical information on how to forgive and how to pursue eudaemonia, which Worthington defines as virtue for oneself.

Forgiveness has widespread social implications. Good relationships are those that can help form, maintain, grow and repair when damaged close emotional bonds. Forgiveness helps repair, maintain and grow those bonds.

Worthington has been instrumental in the establishment and growth of the subfield of forgiveness studies and in the study of humility.

Housing sufficiency is a critical indicator of national development and growth. However, in most countries, housing affordability remains a significant challenge, leading to a mismatch between housing supply and demand. The purpose of this study is to investigate the housing preferences, current occupation and the resulting surplus and shortage across various housing types.

Data were collected through a survey, and the analysis focused on quantifying the mismatch between preferred and occupied housing types.

Results revealed significant disparities between housing preferences and current occupation, with some housing types experiencing surplus and others facing shortages. The findings uncovered a 23% discrepancy in housing demand and supply. The sensitivity results indicate that 30% of the respondents currently living in a particular type of housing unit would choose to live there if given the option. The specificity results show that 90% of respondents not living in a particular type of housing unit would continue to avoid choosing it. Housing price, income, ethnicity, race and location are the major drivers of the housing preferences.

Developers can align their projects with consumer preferences to minimize surplus and shortages. Financial institutions may consider these insights when tailoring mortgage products to meet the diverse needs of potential homebuyers. This research provides a valuable foundation for strategic planning and policy formulation aimed at enhancing housing sufficiency and socioeconomic development in Malaysia.

This study lays the foundation for future research and for incentive mechanisms for homebuyers and developers. The results are useful to policymakers, developers, banks, consultants, housing associations and academics.