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Heritage education is currently a consolidated discipline, which advocate for a holistic vision of heritage. In this sense, this research aims to study the heritage conceptions, perceptions and learning context amongst primary and secondary students, comprehensively and fully.

This research focuses in Andorra, a country in the Pyrenees, where there are three different education systems. This allowed the study to obtain a sample of 1,235 primary and secondary students, throughout a structured questionnaire that was previously designed and validated ad hoc.

In general terms, the results show that around half of the students have a holistic view of heritage; however, natural and historical elements are highlighted as the ones they learn from the most, especially through visits in situ. Moreover, the students’ perceptions of heritage show that over a 90% of students believe it is important to safeguard because it is connected to nature and culture preservation.

This research is included in a greater scope project that also considers other agents in the education community that belong to formal and non-formal spheres. In addition, it is the first investigation where the field of heritage education is studied globally in an entire country, considering primary and secondary education students.

Academic libraries are undergoing a paradigm shift of service, due to various changes in their environment and internally. The maker culture is one of these factors and implies challenges regarding space, infrastructures, and services organization. This situation extends to research support services, in which the users have a particular informative behavior. This chapter aims to analyze whether the academic library has created research support services adapted to the era of maker culture. It examines how research is a key factor in the higher education system to contextualize the importance of research support services in academic libraries. How the researcher accepts or not the role of academic libraries in the process of production and communication of research is studied. As critical elements of the process, we examine part of researcher information behavior in the era of maker culture and the relationship of these users with librarians.

This paper aims to investigate whether individuals’ planning horizon influences their decision to save privately for their retirement.

Focussing on Spain, this empirical research uses the fifth wave of the Survey of Health, Ageing and Retirement in Europe (SHARE)[1]. Logit models are estimated considering variables related to demographic characteristics, economic situation, education and cognitive abilities and psychological and social factors.

The results confirm that the planning horizon significantly influences the decision to save for retirement. Long-term planners are more likely to save for retirement than short-term planners.

Although previous literature has identified the planning horizon as a relevant variable in the decision to save for retirement, few empirical studies have evaluated their impact. This paper shows that it is important to develop habits of financial planning in societies, especially in societies with a prominent orientation towards the present.

The purpose of this paper is to study the driving forces of both the decision to participate in individual pension plans and the amount of money allocated to such plans. Moreover, this paper evaluates the potential role that income plays, which has not previously been considered in depth in the financial literature.

Based on a sample of the Spanish population over the period 2008–2015, this paper estimates probit and tobit models, using 165,791 observations. The driving forces of private retirement savings comprise demographic, financial and socio-economic characteristics.

This paper confirms the impact of socio-demographic and economic variables on participation and monetary contributions to pension plans. It also confirms that income plays a non-negligible role. Moreover, empirical evidence reveals that the effect of gender is related to the income stratum to which the individual belongs.

Retirement planning plays a key role in retirees’ future income and several countries have emphasised the importance of private individual savings to supplement the minimum provided by public pension schemes. The previous literature has concluded that those who plan their retirement end their working lives with three times the wealth of non-planners. Consequently, analysis of whether people are saving enough for their retirement can contribute to avoiding future wealth inequalities among retirees. Spain is one of the countries with the greatest inequality in income distribution, so this issue is of even greater interest.

The ongoing evolution of the Internet and the subsequent digitalisation of financial services, along with the ever-increasing innovation of financial products, have rendered consumers more vulnerable to a wider range of fraud in the banking sector and, particularly, to consumer financial fraud (CFF). This paper aims to analyse the factors that may contribute to CFF exposure and victimisation among Spaniards, with a special focus on financial literacy.

This paper provides a comprehensive overview of leading publications on the topic, followed by empirical analyses using regression models with a sample of 6,207 Spanish individuals drawn from the Survey of Financial Competences.

Objective and subjective financial knowledge are positively correlated with CFF exposure via email but do not protect against CFF victimisation. Similarly, financial knowledge overconfidence is positively related to the former but fails to constitute a driver of the latter. Financial inclusion, measured by the number of financial products held, not only increases the risk of this exposure but also contributes to its subsequent victimisation.

To the best of the authors' knowledge, no previous paper has analysed the relationship between CFF and financial literacy by differentiating two types of vulnerabilities to fraud (exposure and victimisation) while considering different constructs of financial literacy. Dissecting these two domains may explain why the same financial literacy construct can have different effects at both stages of financial fraud and, furthermore, how different financial literacy constructs may affect the same stage of financial fraud.

The purpose of this paper is to adopt a behavioural approach to explain how the internet use influences stock market participation (SMP) decisions.

Drawing on the literature on sociability and SMP, this paper analyses whether virtual sociability affects SMP decision in a sample of 34,715 individuals in 14 European countries.

The results show that internet users are more likely to be stockowners. However, the obtained evidence does not support either an informational effect or a social multiplier effect of the virtual sociability. After controlling by the country’s SMP rates, a positive effect of internet usage on SMP decision remains, suggesting that contextual factors matter rather than internet usage per se. Thus, in countries where individuals are “used” to being stockholders, the habit of using internet increases SMP, but the “breeding ground” is a necessary condition.

The massive use of the internet provides a valuable opportunity to find evidence of the frictional costs which would act as inhibitors of the SMP, as economic theory hypothesised. After some promising results, the differences in the evolution of both the SMP and internet usage rates have not confirmed the initial enthusiasm. In addition, the question of why the SMP rates systematically differ across countries still remains open.

Since the first COVID-19 outbreak in Indonesia, the demand for property and real estate has plunged. The point to consider during an economic crisis and one of the appropriate solutions to withstand the impacts of the economic crisis is to carry out efficient working capital management (WCM). Furthermore, the efficient WCM also contributes positively to the value creation and profitability of the firm. This study aims to empirically analyse and examine the impact of WCM on firms’ market valuation and profitability of listed property and real estate firms in Indonesia over the period 2018Q3–2021Q3. This study employs panel data regression and the two-step system generalised method of moment (GMM) to deal with unobservable heterogeneity and endogeneity issues. The results show that WCM components significantly affect firms’ value and profitability. In addition, the COVID-19 pandemic has also proven to have a significant negative impact on firms’ value and profitability.

The research is devoted to the theoretical foundations of capital management efficiency based on the existing management problems in joint-stock companies. The author develops conclusions and recommendations for improving the efficiency of capital management. The research analyzes the capital management status of a joint-stock company using indicators that show the enterprise's capital efficiency, the seasonality of the chemical industry, low profitability, high turnover of working capital, and other peculiarities. The methodology presented in this research allows chemical enterprises to assess capital efficiency. In this research, the author created a regression model based on the financial data of enterprises, approaching the existing methodology in the world, and analyzed the specific situation that affects the growth of enterprise assets. According to the six-year financial data for “Farg'onaazot” Joint Stock Company (JSC) and “Bekabadcement” JSC, the author concludes that the ratio for the last three years shows a satisfactory level in the remaining indicators despite recording a good result, indicating that capital management is not reasonable. The practical significance of this research is that the results obtained will serve to improve the financial management of enterprises in the chemical industry.