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Institutions Taking Root
by Lorena Viñuela Elisabeth Huybens Naazneen H. BarmaBuilding and operating successful public institutions is a perennial and long-term challenge for governments, which is compounded by the volatile conditions found in fragile settings. Yet some government agencies do manage to take root and achieve success in delivering results earning legitimacy and forging resilience in otherwise challenging contexts. Drawing on mixed-method empirical research carried out on nine public agencies in Lao PDR, Sierra Leone, The Gambia, and Timor Leste, this volume identifies the shared causal mechanisms underpinning institutional success in fragile states by examining the inner workings of these institutions, along with the external operational environment and sociopolitical context in which they exist. Successful institutions share and deploy a common repertoire of internal and external operational strategies. In addition they connect this micro-institutional repertoire to the macro-sociopolitical context along three discernible pathways to institutional success. Institutional development is a heavily contextual, dynamic, and non-linear process but certain actionable lessons emerge for policy-makiers and development partners.
Institutions, Technology, and Circular and Cumulative Causation in Economics
by Henning SchwardtThe book investigates the relation between technology and institutions and their mutual influence during processes of development and change and illustrates this on the development process in Argentina after 1946. General and case-study specific policy recommendations are offered.
Institutions, Technology and Development in Africa (Routledge Studies in Development Economics)
by Jeffrey JamesAn extensive literature has demonstrated that technologies in sub-Saharan Africa are largely inappropriate: that is, that they are typically capital- and import-intensive rather than labour- and local input-intensive. These technologies have created a pattern of development that is highly unequal, with widespread unemployment and under-employment. In this literature, however, relatively little attention has been paid to the institutions that govern the generation, adoption and use of technology. This book draws on historical analysis and case studies to evaluate how institutions in different countries, including those in Africa itself, generate technologies that vary in their characteristics and suitability for the region. Through these case studies, insight is gained into the characteristics of ‘appropriate’ institutions that might underlie a more balanced pattern of technology and development than currently exists. The findings of the book clearly confirm a major tenet of institutionalist theory: namely, that institutions developed in one set of circumstances are unlikely to be appropriate to conditions in a markedly different set. This book will be of interest to economists, social historians and anyone with an interest in modern African development.
Instructional Design: The ADDIE Approach
by Robert Maribe BranchThe Analyze, Design, Develop, Implement, and Evaluate (ADDIE) process is used to introduce an approach to instruction design that has a proven record of success. Instructional Design: The ADDIE Approach is intended to serve as an overview of the ADDIE concept. The primary rationale for this book is to respond to the need for an instruction design primer that addresses the current proliferation of complex educational development models, particularly non-traditional approaches to learning, multimedia development and online learning environments. Many entry level instructional designers and students enrolled in related academic programs indicate they are better prepared to accomplish the challenging work of creating effective training and education materials after they have a thorough understanding of the ADDIE principles. However, a survey of instructional development applications indicate that the overwhelming majority of instructional design models are based on ADDIE, often do not present the ADDIE origins as part of their content, and are poorly applied by people unfamiliar with the ADDIE paradigm. The purpose of this book is to focus on fundamental ADDIE principles, written with a minimum of professional jargon. This is not an attempt to debate scholars or other educational professionals on the finer points of instructional design, however, the book's content is based on sound doctrine and supported by valid empirical research. The only bias toward the topic is that generic terms will be used as often as possible in order to make it easy for the reader to apply the concepts in the book to other specific situations.
Instructional Design for Action Learning
by Geri McardleMcArdle, a human resources practitioner, shows trainers how to use a six-step instructional design system and action learning techniques to engage employees in training. She leads trainers through the process of defining the need for training, design, planning, setting the scene, delivery, and evaluation, and ways to implement fun and memorable activities that are learner-based and meet their needs, learning styles, and level of understanding. Discussion of blended and e-learning strategies and dealing with difficult situations is included. Annotation ©2011 Book News, Inc. , Portland, OR (booknews. com)
Instructional Leadership and Leadership for Learning in Schools: Understanding Theories of Leading (Palgrave Studies on Leadership and Learning in Teacher Education)
by Tony TownsendThis book offers a nuanced understanding of how two different theories of leadership can be applied to achieve better results within schools. These leadership theories – Instructional Leadership and Leadership for Learning – have assisted our recent understanding of school leadership. This book interrogates the theories themselves as well as their impact on education systems around the world. It also looks at how they can be practically applied to educate school leaders within their schools and beyond, building partnerships with families, schools and other community agencies serving students. In doing so, the book considers the possibility that these theories are not opposed, but two sides of the same coin. Both are underpinned by the question ‘how do we provide the best educational experience for students?’. The answer to this question will determine the way leaders go about the task of leading schools. This important book will be of interest and value to students and scholars of educational leadership, as well as educational leaders themselves.
Instructions to the Cook: A Zen Master's Lessons in Living a Life That Matters
by Bernard Glassman Rick FieldsInstructions To The Cook is a distillation of Zen wisdom that can be used equally well as a manual on business or spiritual practice, cooking or life. The hardcover edition was featured in every major Buddhist magazine. "Be nourished and inspired! Magnificent work!"--Jon Kabat-Zinn.
Instructor's Manual for Money: Theory and Practice (Springer Texts in Business and Economics)
by Jin Cao Gerhard IllingThis instructor’s manual complements the textbook Money: Theory and Practice which provides an introduction to modern monetary economics for advanced undergraduates, highlighting the lessons learned from the recent financial crisis. The manual provides teachers with exercises and examples that reflect both the core New Keynesian model and recent advances, taking into account financial frictions, and discusses recent research on an intuitive level based on simple static and two-period models.
Instructor's Manual for Strategic Marketing Cases in Emerging Markets
by Atanu Adhikari Sanjit Kumar RoyThis is a teaching companion to the case studies provided in the book 'Strategic Marketing Cases in Emerging Markets' and is intended to help teachers and trainers follow a pedagogic line by using the case studies to develop a critical understanding of the service business scenarios and strategies for marketing in emerging markets. The authors provide extensive teaching notes for each of the cases, covering the pedagogy of the case study, the prerequisites to understanding it, case-specific teaching objectives, a suggested teaching approach, and a case synopsis. Each case is then rounded out with suggested discussion questions and concise answers, as well as additional reading to enhance the teaching and learning experience in the classroom.
An Instructor's Manual to H2H Marketing Case Studies: Teach Human-to-Human Marketing Effectively (Springer Business Cases)
by Philip Kotler Waldemar Pfoertsch Uwe Sponholz Kejsi SulajThis is an instructor's manual for the popular textbook 'H2H Marketing: Case Studies on Human-to-Human Marketing' (Springer, 2023). The authors have provided a perfect companion that enables teachers to adopt a case-by-case approach when using the material in the classroom.'H2H Marketing' focuses on redefining the role of marketing by reshaping the mindset of decision-makers and integrating concepts such as Design Thinking, Service-Dominant Logic, and Digitalization. By following this carefully designed manual, teachers can assist their students in gaining a deeper understanding of the case studies that illustrate various aspects of the concept, its fundamental elements, and its implementation.
Instrument Development in the Affective Domain
by D. Betsy Mccoach John P. Madura Robert K. GableWhether the concept being studied is job satisfaction, self-efficacy, or student motivation, values and attitudes--affective characteristics--provide crucial keys to how individuals think, learn, and behave. And not surprisingly, as measurement of these traits gains importance in the academic and corporate worlds, there is an ongoing need for valid, scientifically sound instruments. For those involved in creating self-report measures, the completely updated Third Edition of Instrument Development in the Affective Domain balances the art and science of instrument development and evaluation, covering both its conceptual and technical aspects. The book is written to be accessible with the minimum of statistical background, and reviews affective constructs from a measurement standpoint. Examples are drawn from academic and business settings for insights into design as well as the relevance of affective measures to educational and corporate testing. This systematic analysis of all phases of the design process includes: Measurement, scaling, and item-writing techniques.Validity issues: collecting evidence based on instrument content.Testing the internal structure of an instrument: exploratory and confirmatory factor analyses. Measurement invariance and other advanced methods for examining internal structure.Strengthening the validity argument: relationships to external variables. Addressing reliability issues. As a graduate course between covers and an invaluable professional tool, the Third Edition of Instrument Design in the Affective Domain will be hailed as a bedrock resource by researchers and students in psychology, education, and the social sciences, as well as human resource professionals in the corporate world.
Instrumente zur Strategieentwicklung: Methodische Unterstützung für Praktiker (essentials)
by Wolfgang EhringerDieses essential unterstützt bei der Entwicklung von Unternehmens- bzw. Geschäftsfeldstrategien, indem es die dafür wichtigsten Instrumente vorstellt. Dabei liegt die Besonderheit darin, dass die ausgewählten Methoden in sich schlüssig sowie mit dem allgemeinen Strategieprozess abgestimmt sind, wodurch jedes Instrument einen zentralen Beitrag leistet. Um die Überleitung in die Praxis zu erleichtern, werden die Instrumente nicht nur von konkreten Handlungsempfehlungen begleitet, sondern auch von einem durchgehenden Beispiel. Das Buch bietet für die erfolgreiche Strategiearbeit sonach ein kompaktes Gesamtpaket, das durch die Eingrenzungen einen hohen Nutzen für die Praxis verspricht.
Instruments of Change: Motivating and Financing Sustainable Development
by Theodore PanayotouInstruments of Change examines the use of incentive systems and improved institutional arrangements to protect the environment and conserve natural resources, as a means towards sustainable development.
Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life
by James MillardA money book without the BS Whether you dream of security and home ownership, you’re building your career, or you want to grow your family… it’s time to figure out what you want from your money. And then make it happen. Financial adviser James Millard cuts through the jargon and shares a simple framework for making better money decisions and achieving your goals. Insufficient Funds is a comprehensive guide to personal finance that recognises the realities and challenges of balancing your life with your spending. So where do you start? To plan your future and find financial freedom, you need to define what 'sufficient’ means to you. And it’s not about settling for less! Insufficient Funds will show you how to make the most of what you earn — and enjoy it more too. You’ll get lifelong strategies to help you achieve your personal goals and live your dreams. Inside, you’ll find: The 5 Ds: a proven framework to help you Define, Declutter, Develop, Defend, and Deliver when it comes to your money goals Strategies to overcome money stress and money mess Targeted guidance for the different scenarios, events, and stages that life might throw at you A balanced approach to building wealth while still enjoying your everyday life Real-world stories and relatable experiences that help show the way Insufficient Funds is the no-nonsense guide you need to build a better money mindset and a strategic financial plan. The more you align your money decisions with the outcomes you truly want, the more you’ll gain clarity, confidence, and momentum — for a happier, more fulfilling life, today and tomorrow. "James and his team support my community with financial advice to live their best lives. He is a genius in this space and this book gives away all his best secrets!” — Victoria Devine, founder of Australia's #1 finance podcast, She's on the Money"James has cracked the code in making financial advice relatable, approachable and insanely valuable. Read the book, follow the 5x Ds and achieve your version of ‘sufficient funds’.” — Glen James, author and founder of the this is money podcast
Insufficient Funds: The Culture of Money in Low-Wage Transnational Families
by Hung Cam ThaiEvery year migrants across the globe send more than $500 billion to relatives in their home countries, and this circulation of money has important personal, cultural, and emotional implications for the immigrants and their family members alike. Insufficient Funds tells the story of how low-wage Vietnamese immigrants in the United States and their poor, non-migrant family members give, receive, and spend money. Drawing on interviews and fieldwork with more than one hundred members of transnational families, Hung Cam Thai examines how and why immigrants, who largely earn low wages as hairdressers, cleaners, and other "invisible" workers, send home a substantial portion of their earnings, as well as spend lavishly on relatives during return trips. Extending beyond mere altruism, this spending is motivated by complex social obligations and the desire to gain self-worth despite their limited economic opportunities in the United States. At the same time, such remittances raise expectations for standards of living, producing a cascade effect that monetizes family relationships. Insufficient Funds powerfully illuminates these and other contradictions associated with money and its new meanings in an increasingly transnational world.
Insular: Bill Clinton--Understanding This Type of Bad Leadership
by Barbara KellermanTo insular leaders, human rights in general are less important than the rights, and even the needs and wants, of their specific constituencies. This chapter discusses the consequences of insular leadership using former President Bill Clinton's failure to intervene in the Rwanda genocide as a case in point. The author's analysis of the situation points out mistakes Clinton made and why those mistakes were so costly.
Insult to Injury: Insurance, Fraud, and the Big Business of Bad Faith
by Ray BourhisBourhis, a crusading California attorney specializing in insurance bad-faith litigation, exposes egregious stories of ill and disabled people being forced into bankruptcy and ruin when their insurance companies dump them without cause. At the center of his explanation of the industry's shady practices is Joan Hangarter, who won a $7. 7 million judgment against disability carrier UnumProvident after it cut off her benefits. Bourhis outlines the comprehensive systems the industry has in place for targeting and terminating expensive claims without just cause, and explains how recent US Supreme Court decisions and the inaction of Congress actually facilitate insurer fraud. Annotation ©2005 Book News, Inc. , Portland, OR (booknews. com)
Insurance 4.0: Benefits and Challenges of Digital Transformation (Palgrave Studies in Financial Services Technology)
by Bernardo NicolettiIndustry 4.0 has spread globally since its inception in 2011, now encompassing many sectors, including its diffusion in the field of financial services. By combining information technology and automation, it is now canvassing the insurance sector, which is in dire need of digital transformation.This book presents a business model of Insurance 4.0 by detailing its implementation in processes, platforms, persons, and partnerships of the insurance companies alongside looking at future developments. Filled with business cases in insurance companies and financial services, this book will be of interest to those academics and researchers of insurance, financial technology, and digital transformation, alongside executives and managers of insurance companies.
Insurance and Behavioral Economics
by Howard C. Kunreuther Mark V. Pauly Stacey McmorrowInsurance is an extraordinarily useful tool to manage risk. When it works as intended, it provides financial protection to individuals and a profitable business model for insurance firms and their investors. But it is broadly misunderstood by consumers, regulators, and insurance executives. This book looks at the behavior of individuals at risk, insurance industry decision makers, and policy makers at the local, state, and federal level involved in the selling, buying, and regulating of insurance. It compares their actions to those predicted by benchmark models of choice derived from classical economic theory. When actual choices stray from predictions, the behavior is considered to be anomalous. With considerable sums of money at stake, both in consumer premiums and insurance company payouts, it is important to understand the reasons for anomalous behavior. Howard Kunreuther, Mark Pauly, and Stacey McMorrow examine these anomalies through the lens of behavioral economics, which takes into account emotions, biases, and simplified decision rules. The authors then consider if and how such behavioral anomalies could be modified to improve individual and social welfare. This book is neither a defense of the insurance industry nor an attack on it. Neither is it a consumer guide to purchasing insurance, although the authors believe that consumers will benefit from the insights it contains. Rather, this book describes situations in which both public policy and the insurance industry's collective posture need to change. This may require incentives, rules, and institutions to help reduce both inefficient and anomalous behavior, thereby encouraging behavior that will improve individual and social welfare.
Insurance and Human Rights (AIDA Europe Research Series on Insurance Law and Regulation #5)
by Birgit Kuschke Margarida Lima RegoThis volume examines the impact of and interplay between human rights and insurance. National, supranational and international legal instruments regulating the taking-up and pursuit of the business of insurance and reinsurance, (re)insurance distribution and the insurance contract often refer to or impact on human or fundamental rights. Courts are often faced with the sometimes seemingly impossible task of reconciling insurance core principles, practices and mind-sets with the principles and values stemming from human rights protection. In some cases, such as that of discrimination in insurance, this discussion has been going on for decades. Some deal with hot topics which have more recently emerged in light of developments stemming from technologic innovations (‘InsurTech’). The first part of the book focuses on insurance and the right to equal treatment. Discrimination on the basis of factors such as gender or age is tackled, from the perspectives of the European Union, Canada and South Africa. The second part of the book highlights the very relevant role played by insurance in the upholding of the right to health, covering the United States of America, Africa and Brazil. The third part of the book explores InsurTech's manifold challenges upon the right to privacy, focusing on European Union. The fourth part tackles the threat posed by insurance on the right to life in general, but with a particular focus on the United Kingdom. Written by legal scholars and practitioners, the book offers international, comparative and regional or national perspectives, aiming to contribute to a more thorough and systematic understanding of the interactions between these two very different fields of law, providing the industry as well as the scientific community with insights from both sides of this seemingly difficult to transpose divide.
Insurance, Biases, Discrimination and Fairness (Springer Actuarial)
by Arthur CharpentierThis book offers an introduction to the technical foundations of discrimination and equity issues in insurance models, catering to undergraduates, postgraduates, and practitioners. It is a self-contained resource, accessible to those with a basic understanding of probability and statistics. Designed as both a reference guide and a means to develop fairer models, the book acknowledges the complexity and ambiguity surrounding the question of discrimination in insurance. In insurance, proposing differentiated premiums that accurately reflect policyholders' true risk—termed "actuarial fairness" or "legitimate discrimination"—is economically and ethically motivated. However, such segmentation can appear discriminatory from a legal perspective. By intertwining real-life examples with academic models, the book incorporates diverse perspectives from philosophy, social sciences, economics, mathematics, and computer science. Although discrimination has long been a subject of inquiry in economics and philosophy, it has gained renewed prominence in the context of "big data," with an abundance of proxy variables capturing sensitive attributes, and "artificial intelligence" or specifically "machine learning" techniques, which often involve less interpretable black box algorithms.The book distinguishes between models and data to enhance our comprehension of why a model may appear unfair. It reminds us that while a model may not be inherently good or bad, it is never neutral and often represents a formalization of a world seen through potentially biased data. Furthermore, the book equips actuaries with technical tools to quantify and mitigate potential discrimination, featuring dedicated chapters that delve into these methods.
Insurance, Climate Change and the Law (ISSN)
by Franziska Arnold-DwyerThe insurance industry has found itself at the front line of climate change challenges, providing insurance cover in relation to risks associated with climate change. As risk carriers, insurers pay claims for climate change related losses – such as property damage caused by windstorms, flooding, and wildfires – which have been increasing in frequency and severity.As major institutional investors, insurance companies invest in assets that may be increasingly vulnerable to climate risks. Insurance regulators across the globe have therefore started to require insurance companies to identify, manage, and report on climate change risks that could pose a threat to their financial stability. However, managing and reporting on the effect of climate risk on an insurer’s balance sheet is an inward-looking perspective that does not stem climate change. It needs to be paired with an outward-looking perspective that takes account of the insurance industry’s impact on the environment and the insurance industry’s capacity to influence what policyholders, investee enterprises, and other business partners do to address climate change challenges. For the insurance industry, the key components of positive outward impact are ‘impact underwriting’ and ‘impact investment.’ This book sets out the current legal and regulatory landscape for impact underwriting and impact investment. Whilst the focus of research and regulatory interventions to date has been on inward impact, in this book it will be argued that, to take positive climate action that supports the Paris Agreement goals and the national and international Net Zero targets, the debate should now move on to considering the positive outward impact the insurance industry can make and how we can create a legal environment to facilitate this.The book puts forward the case for a new vision of the role of the insurance industry as climate action enablers and makes proposals for insurance products and risk transfer and loss resilience structures that can support policyholders in their transition to a Net Zero economy. The audience for this book will include legal practitioners, insurance industry professionals, financial and insurance regulators, policymakers, and interested academics.
Insurance Disputes
by IAIN GOLDREIN; ROBERT MERKINWritten by an impressive team of specialist contributors, Insurance Dispute is the authoritative guide to litigation for both the insurer and the insured. Divided into two parts – principles of law and their practical use in individual types of insurance, it aims to identify and resolve questions such as: • How should the claimant handle a dispute? • Is the claim within the cover? • When should an insurer dispute cover? • What steps can an insurer take to deny cover? Updated and revised to include new chapters on marine insurance, the Financial Ombudsman Service and ATE insurance, Insurance Disputes is essential reading for anyone involved in insurance law and litigation.
Insurance Distribution Directive: A Legal Analysis (AIDA Europe Research Series on Insurance Law and Regulation #3)
by Kyriaki Noussia Pierpaolo MaranoThis open access volume of the AIDA Europe Research Series on Insurance Law and Regulation offers the first comprehensive legal and regulatory analysis of the Insurance Distribution Directive (IDD). The IDD came into force on 1 October 2018 and regulates the distribution of insurance products in the EU. The book examines the main changes accompanying the IDD and analyses its impact on insurance distributors, i.e., insurance intermediaries and insurance undertakings, as well as the market. Drawing on interrelations between the rules of the Directive and other fields that are relevant to the distribution of insurance products, it explores various topics related to the interpretation of the IDD – e.g. the harmonization achieved under it; its role as a benchmark for national legislators; and its interplay with other regulations and sciences – while also providing an empirical analysis of the standardised pre-contractual information document. Accordingly, the book offers a wealth of valuable insights for academics, regulators, practitioners and students who are interested in issues concerning insurance distribution.
Insurance Economics
by Roland Eisen Peter ZweifelInsurance Economics brings together the economic analysis of decision making under risk, risk management and demand for insurance by individuals and corporations, objectives pursued and management tools used by insurance companies, the regulation of insurance, and the division of labor between private and social insurance. Appropriete both for advanced undergraduate and graduate students of economics, management, and finance, this text provides the background required to understand current research. Predictions derived from theoretical argument are not only stated but confronted with empirical evidence. Throughout the book, conclusions summarize results, helping readers to check their knowledge and understanding. Issues discussed include paradoxa in decision making under risk, selection of favorable risks by insurers, the possibility of a "death spiral" in insurance markets, and future challenges such as re-regulation in the wake of the 2007-09 financial crisis and the increasing availability of generic information.