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Article
Publication date: 27 February 2007

Kevin M.G. Hannafin and Donal G. McKillop

The purpose of this paper is to explore why credit unions might need deposit insurance, how they might respond to its introduction and how this protection mechanism should be…

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Abstract

Purpose

The purpose of this paper is to explore why credit unions might need deposit insurance, how they might respond to its introduction and how this protection mechanism should be designed. The objective is to determine how successful the deposit insurance scheme has been in the context of Northern Ireland and whether it offers an alternative to the public provision of deposit insurance which appears to have been the model adopted by credit union movements elsewhere.

Design/methodology/approach

As part of this analysis the paper considers the Northern Ireland experience where a subset of credit unions has been members of a private insurance arrangement since 1989.

Findings

The deposit insurance mechanism did not cause a propensity for member credit unions to engage in risk shifting behaviour. The analysis suggests that at present a universal blueprint in deposit insurance design may well be unnecessary in combating risk shifting behaviour.

Originality/value

This paper helps to fill a gap in the banking and finance literature where the study of deposit insurance in the context of credit unions has been given little attention.

Details

Journal of Financial Regulation and Compliance, vol. 15 no. 1
Type: Research Article
ISSN: 1358-1988

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Article
Publication date: 9 May 2018

Wen-Shan Lin, Yi-Ju Wang and Hong-Ren Chen

Information technology is widely applied for completing group tasks and enhancing learning in computer-supported collaborative learning (CSCL) environment. Group members not only…

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Abstract

Purpose

Information technology is widely applied for completing group tasks and enhancing learning in computer-supported collaborative learning (CSCL) environment. Group members not only complete tasks but also learn ideas from other members of the group. These ideas can be better than what individual could come up with. As these ideas are referred as an upward comparison in the perspective of social comparison theory. However, there are limited studies that provide evidence in investigating how social comparison orientation (SCO) perceived by individual learner impacts on learning and group performance. The paper aims to discuss these issues.

Design/methodology/approach

This study experimentally tackles this problem at both individual and group level. An experimental study was applied in this study. Structural equation modeling and hierarchical linear modeling approaches are used to validate the data.

Findings

Results of 168 subjects reveal that SCO does have associations with group performance and learning performance respectively. Discussions and implications for literature and practice are given at the end of the paper.

Originality/value

This study confirms that the social genesis occurs more effectively through social interactions in CSCL. It also extends our understandings about the impacts of SCO. Results reveal that the higher level of SCO adopted by group members, the higher level of social interactions at group level can be triggered. As a result, the group performance can be enhanced. On one hand, these findings bridge the research gap in terms of investigating the notion of SCT on CSCL. On the other hand, it provides a possible solution in alleviating the problem of social loafing as commonly observed in CSCL. Therefore, these findings fulfilled the two research objectives.

Details

Library Hi Tech, vol. 36 no. 4
Type: Research Article
ISSN: 0737-8831

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