Micro-entrepreneurs often lack the financial literacy required for the complex financial decisions they face. We conduct a randomized control trial with a bank in the Dominican Republic to compare the impact of two distinct programs: a standard accounting training versus a simplified, rule-of-thumb training that teaches basic financial heuristics. Only the latter produced significant improvemen...

Social science, more than ever, is drawing upon the insights of personality psychology. Though researchers now know that noncognitive skills and personality traits, such as conscientiousness, grit, self-control, or a growth mindset could be important for life outcomes, they struggle to find reliable measures of these skills. Self-reports are often used for analysis, but these measures have been...

Article history: Received 27 January 2015 Received in revised form 18 April 2015 Accepted 22 April 2015 Available online 20 May 2015 We assess the correlations between intelligence and financial development in 123 countries using data averages from 2000–2010. Cognitive human capital is measured in terms of IQ (Lynn and Vanhanen's IQ measures), cognitive ability (Rindermann's combination of psyc...

The process of training new PhDs is complex and has significant dropout rates associated with loss of financial and time investments by the student, mentor, and program. One approach to improve graduate education is to make explicit the skills students need to develop and to put in place mechanisms to develop those skills.

OBJECTIVES This study aimed to investigate the relative contribution of health, job characteristics, skills and knowledge, and social and financial factors to the transition from work to (non-disability) early retirement. METHODS Employees aged 59-63 years (N=2317) were selected from the Study on Transitions in Employment, Ability and Motivation in the Netherlands (STREAM). Individual charact...

as a source of motivation for efl teachers in their work environment, their satisfaction with their manager’s behavior comprises the basis of the present study. through triangulation and employment of two types of interview, a regular one and an innovative adaptive type, we elicited iranian efl teachers’ perception of their managers’ management skills in the private sector. the two data were th...

BACKGROUND Low income is related to food insecurity, and research has suggested that a scarcity of resources associated with low income can shift attention to the present, thereby discounting the future. OBJECTIVE We tested whether attending to the present and discounting the future may moderate the influence of income on food insecurity. DESIGN Delay discounting and measures of future time...

in postpartum departments the skills and experience of doctors and midwives will overlap together but it is not sufficiently recognized . little importance to the ability of midwives will reduce the scope of their responsibilities and decision-making power will be taken from them , also this will result in demoralization and decreasing job satisfaction. in this situation work load of new physic...

The analysis of how individuals obtain and are paid for their skills is fundamental to labor economics. The basic idea of human capital theory is that workers and firms invest in workers’ skills in order to increase their productivity, much as persons invest in financial or physical assets to earn income. Workers develop many skills through formal education not tied to an employer, but an impor...