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Article
Publication date: 1 November 1998

James A. Talaga and Joshua Buch

With the development of increasingly complex mortgage instruments, the process by which consumers choose among these instruments also increases in importance. The real estate…

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Abstract

With the development of increasingly complex mortgage instruments, the process by which consumers choose among these instruments also increases in importance. The real estate literature does not address how consumers of mortgage instruments make tradeoffs among the different instruments. The study controlled for interest rates, and looked at five variables: number of points, additional fees, reputation of lender, type of mortgage (FRM vs. ARM), and term in years of mortgage. Using conjoint analysis it is found that consumers do indeed have different preferences for different mixes of mortgage instruments. It is suggested that mortgage instruments can be tailored to different market segments of borrowers.

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International Journal of Bank Marketing, vol. 16 no. 6
Type: Research Article
ISSN: 0265-2323

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Article
Publication date: 1 April 2002

Joshua Buch, Kenneth L. Rhoda and James Talaga

Regulators in the UK and the USA recognize the need to assist borrowers that face a huge number of mortgage products with a multitude of fee combinations offered by a large number…

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Abstract

Regulators in the UK and the USA recognize the need to assist borrowers that face a huge number of mortgage products with a multitude of fee combinations offered by a large number of lenders. For over 25 years they attempted to make the mortgage selection process more borrower‐friendly but, for many reasons, the efficacy of the chosen comparison tool, the Annual Percentage Rate (APR), is questionable. Because many consumers are either unwilling or unable to make price comparisons between mortgages based on the APR, we suggest replacing the APR with a new measure called the Annual Effective Rate (AER). The AER is based on the actual length of time the borrower expects to maintain the loan and the assumption that all up‐front loan costs are financed. In addition, we suggest that this comparison rate only be presented for true fixed‐rate loans and that all up‐front cost categories that are used in computing the AER be standardized.

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International Journal of Bank Marketing, vol. 20 no. 2
Type: Research Article
ISSN: 0265-2323

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Article
Publication date: 23 March 2022

Joshua Haist and Philipp Kurth

Low-status expatriates (LSEs), a highly vulnerable group, have been significantly affected by the ongoing COVID-19 pandemic. This study explores the stressors that continue to…

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Abstract

Purpose

Low-status expatriates (LSEs), a highly vulnerable group, have been significantly affected by the ongoing COVID-19 pandemic. This study explores the stressors that continue to impact LSEs in Germany and their access to support during the pandemic.

Design/methodology/approach

An interpretivist, qualitative research approach was employed. The authors utilised a multi-level data collection strategy that combined interview and questionnaire data from 16 expatriates and 16 social actors. The data were analysed using a directed content analysis method.

Findings

LSEs experienced high levels of stress that were further exacerbated by the introduction of COVID-19 control measures that were intended to slow the spread of the virus. LSEs are particularly vulnerable due to their overrepresentation in precarious professions and the associated job insecurity. Critically, external support from employers and social actors is generally lacking, leaving LSEs to rely on their own personal coping strategies in difficult times.

Research limitations/implications

The earlier Expatriate crisis Framework highlights the importance of external support for expatriates. However, this framework does not sufficiently account for personal coping strategies that are particularly important for individuals that cannot access such external support (e.g. LSEs). Herein, the authors offer a revised framework that is more applicable to LSEs.

Practical implications

Current practices are problematic, necessitating policy changes at both governmental and organisational levels.

Originality/value

This study provides unique insights into the ways in which the pandemic has affected the already precarious position of LSEs and identifies the importance of personal coping strategies in the absence of external sources of support.

Details

Journal of Global Mobility: The Home of Expatriate Management Research, vol. 10 no. 2
Type: Research Article
ISSN: 2049-8799

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Book part
Publication date: 4 December 2012

James Ntiamoah Doku, Joshua Abor, Charles K.D. Adjasi and Charles Andoh

Purpose – This paper investigates competitive bank behaviour in Africa for the period 1999–2008 and further examines the impact of institutional quality and political atmosphere…

Abstract

Purpose – This paper investigates competitive bank behaviour in Africa for the period 1999–2008 and further examines the impact of institutional quality and political atmosphere on competitive bank behaviour.

Design/methodology/approach – This study used panel data methodology based on the Panzar–Rosse (1987) design.

Findings – The findings of the study indicates that the nature of banking system in Africa can best be described as monopolistically competitive. Also, our findings endorse the importance of institutional quality and political stability in fostering competitive banking sector. In particular, the rule of law shows positive and significant relationship with competitive bank behaviour. Additionally, the quality of regulations suggests positive association with bank competitive behaviour. With respect to political environment, stable political atmosphere is conducive for promoting competitive banking sector. Improved regulatory quality coupled with reduced level of perception about corruption fosters competitive bank behaviour.

Originality/value – This paper provides useful information relevant to policy makers in the banking sector about the nature of bank competitive behaviour in Africa and the drivers behind the competitive behaviour.

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Article
Publication date: 21 May 2009

Jing‐Lin Duanmu and Yilmaz Guney

The upsurge of Chinese and Indian outward foreign direct investment (FDI) raises an unanswered question about locational determinants of direct investment from the two countries…

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Abstract

The upsurge of Chinese and Indian outward foreign direct investment (FDI) raises an unanswered question about locational determinants of direct investment from the two countries. Using an unbalanced bilateral FDI database, we find that Chinese and Indian FDI are attracted to countries with large market size, low GDP growth, high volumes of imports from China or India, and low corporate tax rates. We also find important differences between China and India. While Chinese FDI is drawn to countries with open economic regimes, depreciated host currencies, better institutional environments, and English speaking status, none of these factors are important for Indian FDI. Chinese FDI is also deterred by geographic distance and OCED membership. However, neither of these has any impact on Indian FDI.

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Journal of Asia Business Studies, vol. 3 no. 2
Type: Research Article
ISSN: 1558-7894

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Article
Publication date: 1 November 1959

THERE are, believe it or not, more public libraries in New York than there are poolrooms. To point this statement a little, it must be said that the libraries only just have the…

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Abstract

THERE are, believe it or not, more public libraries in New York than there are poolrooms. To point this statement a little, it must be said that the libraries only just have the edge. It has always been implied, particularly by evangelical politicians and librarians alike, that libraries were or would be an improvement on gin‐shops, poolrooms or public houses. “Build a library” they proclaim, “and the indolent workers will leave the dens of iniquity”. There is, of course, not a jot of evidence that public libraries have had any effect on the sobriety or inebriety of the British, the Americans or the Swedes (three communities which have most felt the extended activities of librarianship). The licensing laws of this country and the (?) pro bona publica magistrates have effectively reduced public intake if not private surfeit. Our public houses are not reeling from the blows of dynamic librarianship, but from those of television.

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New Library World, vol. 61 no. 5
Type: Research Article
ISSN: 0307-4803

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Article
Publication date: 21 March 2023

Anton Klarin and Qijie Xiao

Many economic, political and socio-cultural events in the 2020s have been strong headwinds for architecture, engineering and construction (AEC). Nevertheless, technological…

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Abstract

Purpose

Many economic, political and socio-cultural events in the 2020s have been strong headwinds for architecture, engineering and construction (AEC). Nevertheless, technological advancements (e.g. artificial intelligence (AI), big data and robotics) provide promising avenues for the development of AEC. This study aims to map the state of the literature on automation in AEC and thereby be of value not only to those researching automation and its composition of a variety of distinct technological and system classes within AEC, but also to practitioners and policymakers in shaping the future of AEC.

Design/methodology/approach

This review adopts scientometric methods, which have been effective in the research of large intra and interdisciplinary domains in the past decades. The full dataset consists of 1,871 articles on automation in AEC.

Findings

This overarching scientometric review offers three interdisciplinary streams of research: technological frontiers, project monitoring and applied research in AEC. To support the scientometric analysis, the authors offer a critical integrative review of the literature to proffer a multilevel, multistage framework of automation in AEC, which demonstrates an abundance of technological paradigm discussions and the inherent need for a holistic managerial approach to automation in AEC.

Originality/value

The authors underline employee well-being, business sustainability and social growth outcomes of automation and provide several managerial implications, such as the strategic management approach, ethical management view and human resource management perspective. In doing so, the authors seek to respond to the Sustainable Development Goals proposed by the United Nations as this becomes more prevalent for the industry and all levels of society in general.

Details

Engineering, Construction and Architectural Management, vol. 31 no. 8
Type: Research Article
ISSN: 0969-9988

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Case study
Publication date: 18 July 2024

Shikha Bhatia and Sanjay Dhamija

After working through the case and assignment questions, students will be able to recognize essential considerations for the initial public offerings (IPO) decision, compare…

Abstract

Learning outcomes

After working through the case and assignment questions, students will be able to recognize essential considerations for the initial public offerings (IPO) decision, compare different types of fundraising options for startups, evaluate the free pricing regime for IPO pricing, examine the pricing process of IPOs, explore the issue of valuation of IPOs and assess the decision choices of the founder regarding IPO given the trade-offs and market conditions.

Case overview/synopsis

The case study explores the dilemma of Ghazal Alagh, the co-founder and chief innovation officer of Mamaearth, a direct-to-consumer babycare and skincare unicorn, regarding its IPO decision. Mamaearth had filed the draft offer document with SEBI in December 2022, and Ghazal was busy engaging with the investment bankers for the upcoming IPO. However, the weak market sentiments and shelving of IPO plans by many startups were forcing her to think about facing the possibility of postponing the IPO or continuing the IPO process but at lower valuations. The case study provides an opportunity to explore a startup’s financing choices. It allows for discussion of various IPO challenges from the perspectives of founders, venture investors, regulators, investment bankers and new IPO investors.

Complexity academic level

This case study is best suited for senior undergraduate- and graduate-level business school students in courses focusing on entrepreneurship, corporate finance, financial management, strategic management and investment banking.

Subject code

CSS1: Accounting and finance.

Supplementary materials

Teaching notes are available for educators only.

Details

Emerald Emerging Markets Case Studies, vol. 14 no. 2
Type: Case Study
ISSN: 2045-0621

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Article
Publication date: 20 December 2023

Isaac Akomea-Frimpong, Xiaohua Jin, Robert Osei Kyei, Portia Atswei Tetteh, Roksana Jahan Tumpa, Joshua Nsiah Addo Ofori and Fatemeh Pariafsai

The application of circular economy (CE) has received wide coverage in the built environment, including public-private partnership (PPP) infrastructure projects, in recent times…

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Abstract

Purpose

The application of circular economy (CE) has received wide coverage in the built environment, including public-private partnership (PPP) infrastructure projects, in recent times. However, current studies and practical implementation of CE are largely associated with construction demolition, waste and recycling management. Few studies exist on circular models and success factors of public infrastructures developed within the PPP contracts. Thus, the main objective of this article is to identify the models and key success factors associated with CE implementation in PPP infrastructure projects.

Design/methodology/approach

A systematic review of the literature was undertaken in this study using forty-two (42) peer-reviewed journal articles from Scopus, Web of Science, Google Scholar and PubMed.

Findings

The results show that environmental factors, sustainable economic growth, effective stakeholder management, sufficient funding, utilization of low-carbon materials, effective supply chain and procurement strategies facilitate the implementation of CE in PPP infrastructure projects. Key CE business models are centered around the extension of project life cycle value, circular inputs and recycling and reuse of projects.

Research limitations/implications

Although the study presents relevant findings and gaps for further investigations, it has a limited sample size of 42 papers, which is expected to increase as CE gain more prominence in PPP infrastructure management in future.

Practical implications

The findings are relevant for decision-making by PPP practitioners to attain the social, economic and environmental benefits of transitioning to circular infrastructure management.

Originality/value

This study contributes to articulating the key models and measures toward sustainable CE in public infrastructure development.

Details

Built Environment Project and Asset Management, vol. 14 no. 1
Type: Research Article
ISSN: 2044-124X

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Article
Publication date: 15 May 2021

Megan Humburg, Verily Tan, Adam V. Maltese, Amber Simpson and Joshua A. Danish

This study aims to understand how graduate students in a maker education course discuss beliefs about making and implement these beliefs as pedagogy in their curricular designs.

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Abstract

Purpose

This study aims to understand how graduate students in a maker education course discuss beliefs about making and implement these beliefs as pedagogy in their curricular designs.

Design/methodology/approach

Interview transcripts from seven students were analyzed thematically for conceptions of making and learning. Lesson plans were also coded for elements of making, and the authors compared students’ articulated ideas about making with the practical implementation of making in their designs.

Findings

Students reflected on the nature of making and the possible benefits and tensions surrounding the use of making for learning. Multiple students discussed benefits for their future learning and careers. Comparisons between interview and lesson plans highlight both successful alignments and key gaps in the application of making principles, including struggles that students encountered when translating their beliefs about making into real-world pedagogy.

Research limitations/implications

Given the limited sample size, future research should explore the extent to which educators in other contexts encounter similar or different obstacles in their development of maker-focused pedagogies.

Practical implications

Findings can be used to inform future maker education courses to better support students in successfully translating core principles of making from general beliefs into effective and practical pedagogical strategies.

Originality/value

Despite widespread interest in combining making with educational spaces, much remains to be understood about the strategies that educators use to integrate elements of making into their pedagogy. This study contributes discussions of the benefits and tensions that maker educators may encounter when blending tenets of making with the needs of formal education.

Details

Information and Learning Sciences, vol. 122 no. 3/4
Type: Research Article
ISSN: 2398-5348

Keywords

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