The financial services cultural orientation matrix

With saturation within domestic marketplaces and increased growth opportunities overseas, many financial service providers are investing in foreign markets. However, cultural attitudes towards money can present market entry challenges to financial service providers. The industry would therefore benefit from a strategic model that helps to align financial marketing mixes with the cultural dimensions of a foreign market. The Financial Services Cultural Orientation (FSCO) Matrix has therefore been designed, with three cultural dimensions identified which influence preference for financial products; preference for cash, aversion to debt and savings orientation. Based on a combination of these dimensions and their relative strength within a culture, eight different consumer segments for financial products are identified, and marketing strategies for each consumer segment are then proposed. Three cultural clusters from the GLOBE Project House et al. (2002) are used to highlight possible geographic markets for each of these consumer segments. In particular, this paper focuses on GLOBE’s Confucian Asia, Southern Asia and Anglo cultural clusters, as these clusters represent the most well established financial markets in the world and the fastest growing financial markets for the future. The FSCO Matrix provides the financial services industry with an innovative and practical tool for addressing cross-cultural challenges and developing successful marketing strategies for entry into foreign markets.

Psychosocial well-being of African migrant children in Ireland: a cultural orientation

This thesis explores the psychosocial wellbeing of sub-Saharan African migrant children in Ireland. A sociocultural ecological (Psychosocial Working Group, 2003) and resilience lens (Masten & Obradovic, 2008; Ungar, 2011) is used to analyse the experiences of African migrant children in Ireland. The research strategy employs a mixed-methods design, combining both an etic and emic perspective. Grounded theory inquiry (Strauss and Corbin, 1994) explores the experiences of African migrant children in Ireland by drawing on multi-sited observations over a period of six months in 2009, and on interviews and focus group discussions conducted with African children (aged 13-18), mothers and fathers. An emically derived ‘African Migrant Child Psychosocial Well-being’ scale was developed by drawing on data gathered through rapid ethnographic (RAE) free listing exercises carried out in Cork, Dublin and Dundalk with sixty-one participants (N=21 adults, N=28 15-18-year-olds, N=12 12-14-year-olds) and three African community key informants to elicit local understandings of psychosocial well-being. This newly developed scale was used alongside standardised measures of well-being to quantitatively measure the psychosocial adjustment of 233 African migrant children in Cork, Dublin and Dundalk aged 11-18. Findings indicate that the psychosocial wellbeing of the study population is satisfactory when benchmarked against the psychosocial health profile of Irish youth (Dooley & Fitzgerald, 2012). These findings are similar to trends reported in international literature in this field (Georgiades et al., 2006; Gonneke, Stevens, Vollebergh, 2008; Sampson et al., 2005). Study findings have implications for advancing psychosocial research methods with non-Western populations and on informing the practice of Irish professionals, mainly in the areas of teaching, psychology and community work.

Cultural and Educational Society of Muslims "Narodna Uzdanica" /"National Hope"/ 1923-1941

Ibrahim Kemura. The Muslim Cultural-Educational Society Narodna uzdanica from 1923/4 to 1941 One of the features of the cultural history of the Bosniacs between the two world wars (1918-1941) was a cultural and educational society named Narodna uzdanica, which was a significant institutional and cultural-intellectual centre of the Bosniac people in Bosnia and Herzegovina. Narodna uzdanica expressed the aspirations and needs of the Bosniac citizens who were its main support and axis and was aimed at fulfilling their interests. This was reflected in an ideological-cultural orientation towards the West and the adoption of positive western achievements while at the same time stressing its Slavic origins and individuality, the education of young people and the formation of a European-type civic intelligentsia, adaptation to life in capitalist society, the development of modern trade and crafts, the emancipation of women, and cultural education based on European values. Thus conceived, the programme enjoyed the support of a wider circle of members, the reading public and the cultural consumers of those particular elements such as education and economic prosperity which it sought to achieve. The political involvement of Narodna uzdanica and its use as a platform for the leading Bosniac political party Jugoslovenska muslimanska organizacija (JMO - Yugoslav Muslim Organisation) which had founded the society, played a significant role in the socio-political life and development of Bosniacs. The opposition to the ruling regime, often expressed through close cooperation with similar Croat organisations and through the pro-Croat attitude of some of the society's leading figures, offered both the regime and Narodna uzdanica's political adversaries grounds for describing it as separatist and Croat and served as a pretext for repressive measures to hinder its normal operations. This research proved these accusations to be groundless, showing that the pro-Croat orientation was primarily political and cultural and that throughout its existence Narodna uzdanica was active in the cultural and educational renaissance of Bosniacs, helping to strengthen their national identity.

La integración cultural y social en las migraciones intraeuropeas

Cuando un migrante llega a una sociedad distinta, debe elegir cómo vivir en ella. En esta elección cuentan su pasado, su presente y especialmente su futuro en términos de expectativas de movilidad. Comprender cómo viven los residentes extranjeros en su país de destino implica considerar conceptos clave como procesos de socialización, shock cultural, competencia intercultural o procesos de aculturación que implican aprender nuevas competencias culturales. A partir de los datos de la Encuesta Social de Migraciones Internas Europeas (EIMSS) este trabajo se centra en el análisis de dos dimensiones, la integración cultural y la integración social, que van a caracterizar el modo en que los migrantes europeos viven en su nuevo entorno social, y su relación con la percepción de la discriminación que tiene el migrante o su adaptación psicológica, en términos de nostalgia y satisfacción con la vida.

Cultural value orientations and HRM policies and practices:an empirical study of Oman

This study empirically examined the influence of cultural orientations on employee preferences of human resource management (HRM) policies and practices in Oman. Data were collected from 712 employees working in six large Omani organisations. The findings indicated that there were a number of cultural orientation differences among Omani employees based on age, educational and work experience. The findings showed a strong orientation towards mastery, harmony, thinking and doing, and a weak orientation towards hierarchy, collectivism, subjugation, and human nature-as-evil. The results have demonstrated a clear link between value orientations and preferences for particular HRM policies and practices. Group-oriented HRM practices were preferred by those who scored high on collectivism and being orientations, and those who scored low on thinking and doing orientations. Hierarchy-oriented HRM practices were preferred by those scoring high on hierarchy, subjugation and human nature-as-bad orientations, and those scoring low on thinking and mastery orientations. Finally, preference for loose and informal HRM practices was positively associated with being, and negatively associated with thinking, doing, and harmony orientations. The theoretical and practical implications of these findings are discussed in detail.

Young and Well CRC: Engaging young people as research partners

This paper presents the outcomes of an international collaboration between researchers and young people in Australia and the United States, using participatory design to engage young people as research partners in the collaborative development of a conceptual framework for the Online WellBeing Center (OWBC), a repository of evidence-based mental health tools focused on mental health promotion and the prevention of mental illness developed as part of Young and Well Cooperative Research Centre. Eighteen participants (nine in Australia and nine in USA) were involved as key partners through a series of participatory design workshops to develop the framework for the OWBC. Key objectives of the collaboration included an increased understanding of: how to recruit young people to be part of an international project team collaborating remotely; how to use new technologies to manage communication and maintain engagement; how to apply principles of participatory research to create a youth informed research project; how to develop an international stakeholder partnership to ensure relevancy in value systems, cultural orientation and project outcomes. Recommendations included guidelines for how others can establish international collaborations that integrate young people as active project participants.

Yhteisöllisyys juutalaisessa kansallisuusajattelussa ja Israelin valtion itsenäisyysjulistuksessa

The Idea of Community in the Jewish National Thinking and in the Proclamation of Independence The aim of this study is to clarify the idea of community in the Jewish national thinking and in the Proclamation of Independence of the State of Israel in 1948. The method is the community analysis. The values of the culture are studied by two- and threefold dimensions on the arena. On the field of that arena one can find the society of order, the society of pressure, the societies made by mosaics and the societies that are breaking apart. The community way of behaving means, that the individuals voluntarily follow common values. The earliest Jewish ideals elevated the concept of unity among the people. The reality in the society was different especially in Roman times when the religious and national thinking was fragmented into four different main views. During the Diaspora the religious tradition mostly warned against pursuing a Jewish state, but many forms of Anti-Judaism and the new national thinking in the nineteenth century created the Zionist movement. The religious Jewish people did not rely on the earthy nationalism and when some of them later chose Zionism, they stressed the religious aspects in governing the state. The cultural Zionists preferred a slower and more low key spiritual way of change. The Revisionists saw no alternatives but to use military force. Many in the majority, the Labour movement, hoped that the progress brought to the region by Zionism would change the minds of opponents. The general appearance of the proclamation is optimistic. It characterizes national and political unity gathering people who think differently and who come from different factions of the Jewish political and cultural orientation. These people can be placed on different corners in the community analysis. The proclamation concentrates on state and administrative points of view. It aims at a state for the Jews, and the Jewishness of the state is more clearly seen in later legislation. The hope for co-operation from all sides was clearly articulated. The central aim was the security of the Jews. The proclamation has a community quotation because it aimed to build up a net of cooperation. The vision of building a nation of their own is balanced by the collaboration with the Arabs and the international community. In the same roclamation the individual civil rights are side by side with the Prophets thoughts about peace and justice. The Proclamation describes a society of a good order which aims at uniting the people. In the midst of grave difficulties a noble proclamation of national and international co-operation was created. It was not taken for granted that the ideals would be realized. The care of the national homeland could become egocentric nationalism and the attention to the Prophets heritage could turn to emphasizing strict religious rules or to isolation from others. The emphasis of civil rights could turn to assimilation or in other words to other kinds of values in their own country.

Um modelo de avaliação integrada para análise de incertezas em programas governamentais: um estudo da educação a distância no Estado do Pará

A tarefa de projetar um sistema de EAD (SEAD) não é fácil, devido ao número de componentes (estudantes, corpo docente, administração, infra-estrutura, etc.), a complexidade do processo, as diferentes visões e abordagens quanto à sua eficácia, os valores em disputa, os interesses em jogo e as decisões urgentes. O Estado do Pará possui experiências de sucesso nesta modalidade em todos os níveis de ensino. Porém, ainda existem dificuldades, obstáculos, problemas e incertezas a serem enfrentados. Neste sentido, o objetivo da pesquisa foi criar um modelo analítico para identificar e interpretar as incertezas presentes na utilização da EAD pelo sistema educacional do Pará e detectar as atitudes dos atores envolvidos e interessados no processo, contribuindo com critérios e estratégias que podem ser utilizadas para decidir, sob condições de incerteza, sobre a implementação de SEADs e sua operacionalização. Para isso a pesquisa tomou como base a metodologia da Avaliação Integrada (AI), na perspectiva pluralista, sendo realizada em vários momentos, os quais incluiram: ampla pesquisa bibliográfica; sondagem do encaminhamento da EAD no Pará; o uso do método de inquerito delphi para instigar o consenso sobre as incertezas mais relevantes; utilização da Teoria Cultural para subsidiar a identificação da orientação cultural dos respondentes com vistas a revelar as diferentes posturas dos participantes com relação à EAD; o emprego da técnica estatística análise de cluster para agrupar as incertezas e os individuos por similaridades; e uma análise integrada dos resultados advindos das diversas etapas. O nível de consenso foi baixo, resultando em oito incertezas consideradas relevantes para o processo. Destas, 50% são de dimensão metodológica, expressando que durante um processo de inovação a metodologia se destaca por representar mudanças de paradigmas já estabelecidos. O agrupamento de incertezas, por sua vez, revelou oito grandes conjuntos de controvérsias que pressionam de maneiras diferentes o processo de tomada de decisão e operacionalização de sistemas de EAD. Pelas características de cada conjunto, percebe-se que os problemas que perpassam a EAD no Pará fazem parte do contexto atual e contemplam preocupações referentes a pontos que norteiam o processo, a incertezas de caráter geral, ao compromisso político, aos componentes que indicam a qualidade e o reconhecimento da EAD, aos aspectos metodológicos e técnicos, à estabilidade da modalidade, ao acesso e uso das novas tecnologias de informação e comunicação e às condições de infra-estrutura. Durante a concepção de SEADs a orientação cultural influencia o enfoque a ser adotado pelos dirigentes, podendo estar mais direcionado para o controle (hierárquicos), para o respeito ao aluno (igualitários), para a satisfação do aluno (individualistas) e para a visão de desconfiança (fatalistas). A integração de todos os resultados possibilitou indicar critérios de decisão e estratégias para enfrentar as incertezas ou mesmo aprender a conviver com estas. Concluiu-se que o uso da metodologia de AI se mostrou eficaz para o tratamento do problema da EAD no Pará, propiciando uma gestão das incertezas, o que se acredita levar à redução da probabilidade de ocorrência de eventos indesejáveis e/ou inesperados.

Rights at Risk: Refugees in the New South Africa

This thesis seeks to analyze the relationship between public attitudes toward refugees in a refugee receiving state and the realization of the legal rights afforded refugees (de facto rights). I hypothesize that the more negative a host culture is toward refugees, the less refugees are able to realize their rights. Conversely, the more positive a host culture is toward refugees, the more refugees are able to realize their rights. I test the hypothesis through a case study of refugee populations in Cape Town, South Africa, based on research conducted from May to June 2007. The orientation (positive or negative) of the host culture's perceptions toward a refugee group (Independent Variable) is measured through: (1) a coded content analysis of the South African media, (2) a coded content analysis of semi-structured interviews, and (3) an assessment of secondary source public opinion surveys and reports. The realization of refugee rights (Dependent Variable) is operationalized as a function of two rights: (1) the right to personal physical integrity and (2) the right to protection from unlawful detention. These rights are measured by coding (1) media reports and (2) interviews, and by (3) assessing NGO reports and secondary source public opinion surveys. My empirical data shows that the cultural orientation toward refugees is not overwhelmingly negative, and the realization of rights is not conclusively "low." However, the frequency of data coded "negative" and "low" versus "positive" or "high" suggest that South Africans regard refugees somewhat negatively and that rights are not fully realized. This finding is strengthened by the analysis of secondary sources and field notes.

Perceptions of family environment, body image and self-esteem of eating disordered and non-eating disordered women

This study explored the perceptions of family environment, body image and self esteem of women who suffer from anorexia nervosa, bulimia nervosa, and depression. Using a nonequivalent control group design, one hundred and fifty women with anorexia nervosa (n = 50), bulimia nervosa (n = 50), and depression (n = 50) were given the Family Environment Scale (FES) and the Eating Disorders Inventory-2 (EDI-2). The objectives of this study were to: (1) study how women with anorexia nervosa and bulimia nervosa perceive their family environment as measured by the FES; (2) compare and contrast perceptions of family environment of women with anorexia nervosa and bulimia nervosa with the control group; (3) compare and contrast perceived levels of self esteem and body image as measured by the EDI-2 of women with anorexia nervosa and bulimia nervosa with the control group; and (4) examine the perceived family environments of eating disordered and non-eating disordered women with regard to body image and self esteem. Results suggested, women who suffered from anorexia nervosa or bulimia nervosa scored significantly lower (p $<$.021) on the Expressiveness, Intellectual-Cultural Orientation, and Active-Recreational subscales of the FES. The results also indicated that women who suffered from bulimia nervosa scored significantly higher (p $<$.015) than women who suffered from anorexia nervosa on the Conflict and Independence subscales of the FES. The results of studying these three populations reflected that women who suffered from anorexia nervosa scored significantly different (p $<$.000) than women who suffered from bulimia nervosa on many of the subscales of the EDI-2. The findings of the study confirmed that women who suffered from anorexia nervosa or bulimia nervosa scored significantly different (p $<$.000) on the subscales of the EDI-2 compared to women who suffered from depression. It was also confirmed that a relationship does exist between perceptions of body image and self esteem and perceptions of family environment amongst women with anorexia nervosa and bulimia nervosa as compared to depressed women. The findings of the study indicated that women who suffered from anorexia nervosa tended to: be less expressive and independent; handle conflict less openly; have a greater drive for thinness; have greater body dissatisfaction; be more perfectionistic; and struggle more intensely with fears around maturity and social insecurity than did women who suffered from bulimia nervosa or depression. In addition, the findings of the study also suggested that women who suffered from bulimia nervosa tended to: be raised in homes where openly expressed anger is permitted amongst family members; have a lesser drive for thinness; have less body dissatisfaction; be less perfectionistic; and not struggle as intensely with fears around maturity and social insecurity as do women who suffered from anorexia nervosa, but more than women who suffer from depression. Treatment implications that may assist community college professors and counselors in meeting the special needs of this special group of women were also discussed. (Abstract shortened by UMI.) ^

Allgemeinbildung, Staat und Politik. Zur aktuellen Diskussion um die angelsächsische "liberal education"

In der angelsächsischen analytischen Erziehungsphilosophie wurde ein Konzept allgemeiner Bildung (Liberal education) herausgearbeitet, das den Bildungsanspruch in wissenstheoretischem Rekurs argumentativ zu legitimieren und zu begründen versucht. Dabei geht sie von einem differenzierten Erfahrungs- und Wissensfeld aus, das an öffentliche Standards der Verständigung gebunden ist. Diese Theorie wird an zwei ausgewählten Beispielen geprüft: Einerseits an den US-amerikanischen Debatten um die „cultural literacy" und andererseits an den Auseinandersetzungen um die Einführung des „National Curriculum" in England und Wales. Abschließend wird der Zusammenhang einer wissenstheoretisch fundierten Theorie der Liberal education mit bestimmten politischen Optionen diskutiert. Dabei wird sich zeigen, daß hinsichtlich politischer Zuordnungen dieser Theorie keine systematische Notwendigkeit besteht, und daß das Konzept einer integrierenden Allgemeinbildung in demokratischen, sozialen Staaten unverzichtbar und gleichzeitig nicht beliebig multikulturell ausrichtbar ist. (DIPF/Orig.)

Aprendizagem histórica: diálogos entre a telenovela “Gabriela” e a historiografia

Iniciamos esta pesquisa a partir da compreensão que a aprendizagem dos saberes históricos se realiza de diferentes formas, na maioria das vezes para além das salas de aulas, e, está diretamente relacionada às instâncias em que se processa. Estas instâncias são a acadêmica e a de circulação massiva, as quais possuem caracteres distintos. Aprendizagem histórica, portanto, ocorre mediante três fatores: o primeiro diz respeito à consciência histórica surgida no cotidiano, na práxis da vida, regida pela cultura do individuo; o segundo relaciona-se a historiografia, ou seja, o modo como as informações dos eventos históricos inscritos na mente dos homens é transformada em história oficial, o que envolve métodos de pesquisa, referenciais teóricos, argumentação e narrativa; o terceiro fator é próprio sistema escolar e a forma com que se ensina história. Assim, o aprendizado histórico, emerge na narrativa histórica, quando as operações mentais da experiência, da interpretação e da orientação são realizadas, situação em que a história é apontada como responsável pela orientação cultural na vida prática dos sujeitos. Deste modo, objetivamos nesta pesquisa analisar as relações dialéticas entre uma cultura histórica construída através da historiografia sobre os conceitos de coronelismo e clientelismo e a narrativa desses conceitos na telenovela Gabriela e essa como meio de massificação da aprendizagem Histórica. Para isso, adotamos o método do estudo de casos múltiplos, o qual foi suportado nas técnicas de entrevista e da análise de conteúdo. Obtivemos duas categorias de aprendizagem histórica nas narrativas dos participantes: 1) Coronelismo/ clientelismo e 2) Sociedade. Concluímos que as cenas apresentadas em Gabriela em sua maioria convergiram para os apontamentos da historiografia, portanto qualificando-a como uma narrativa histórica. Esta narrativa foi decodificada pelos telespectadores em conformidade com sua própria cultura e permitiu a construção de saberes que se apresentaram interligados nas falas dos participantes. As operações mentais da experiência, interpretação e orientação foram processadas de forma distinta entre os sujeitos do grupo amostral, fator que evidenciou a individualidade do aprendizado de cada participante. Dessa forma, o contato com esta representação televisiva do passado, possibilitou-lhes aquisição do conteúdo histórico, o qual foi ressignificado de modo a possibilitar a compreensão do presente e a criar expectativas de futuro, definindo a ação dos participantes em sua práxis cotidiana.

Low Test Scores in Latin America: Poor Schools, Poor Families, or Something Else?

Latin American students consistently score low on international tests of cognitive skills. In the PISA 2012 results, students in seven Latin American countries had an average score of 395, or about 100 points lower than the average score of 497 in four Scandinavian countries. We examine why Latin American scores are lower and conclude that 50 points are explained by Latin American families’ lower average educational and socioeconomic characteristics, 25 points are explained by Latin America’s weak cultural orientation toward reading books, and the remaining 25 points are explained by the lower effectiveness of educational systems in teaching cognitive skills.

Social inequality and smoking in young Swiss men: intergenerational transmission of cultural capital and health orientation

OBJECTIVES Smoking is related to income and education and contributes to social inequality in morbidity and mortality. Socialisation theories focus on one's family of origin as regards acquisition of norms, attitudes and behaviours. Aim of this study is to assess associations of daily smoking with health orientation and academic track in young Swiss men. Further, to assess associations of health orientation and academic track with family healthy lifestyle, parents' cultural capital, and parents' economic capital. METHODS Cross-sectional data were collected during recruitment for compulsory military service in Switzerland during 2010 and 2011. A structural equation model was fitted to a sample of 18- to 25-year-old Swiss men (N = 10,546). RESULTS Smoking in young adults was negatively associated with academic track and health orientation. Smoking was negatively associated with parents' cultural capital through academic track. Smoking was negatively associated with health orientation which in turn was positively associated with a healthy lifestyle in the family of origin. CONCLUSIONS Results suggest two different mechanisms of intergenerational transmissions: first, the family transmission path of health-related dispositions, and secondly, the structural transmission path of educational inequality.

Humane Orientation as a New Cultural Dimension of the GLOBE Project: A Validation Study of the GLOBE Scale and Out-Group Humane Orientation in 25 Countries

We validate, extend, and empirically and theoretically criticize the cultural dimension of humane orientation of the project GLOBE (Global Leadership and Organizational Behavior Effectiveness Research Program). Theoretically, humane orientation is not just a one-dimensionally positive concept about being caring, altruistic, and kind to others as discussed by Kabasakal and Bodur (2004), but there is also a certain ambivalence to this concept. We suggest differentiating humane orientation toward in-group members from humane orientation toward out-group members. A multicountry construct validation study used student samples from 25 countries that were either high or low in humane orientation (N = 876) and studied their relation to the traditional GLOBE scale and other cultural-level measures (agreeableness, religiosity, authoritarianism, and welfare state score). Findings revealed a strong correlation between humane orientation and agreeableness, welfare state score, and religiosity. Out-group humane orientation proved to be the more relevant subfacet of the original humane orientation construct, suggesting that future research on humane orientation should make use of this measure instead of the vague original scale. The ambivalent character of out-group humane orientation is displayed in its positive correlation to high authoritarianism. Patriotism was used as a control variable for noncritical acceptance of one’s society but did not change the correlations. Our findings are discussed as an example of how rigid expectations and a lack of tolerance for diversity may help explain the ambivalent nature of humane orientation