This paper presents a systematic and comprehensive meta-analysis of the literature on financial education interventions that focuses on financial education studies designed to strengthen the financial knowledge and behaviors of consumers. The analysis identifies 188 papers and articles that present impact results of interventions designed to increase consumers' financial knowledge (financial literacy) or skills, attitudes, and behaviors (financial capability). These papers are diverse across a number of dimensions, including objectives of the program intervention, expected outcomes, intensity and duration of the intervention, delivery channel used, and type of population targeted. However, there are a few key outcome indicators where a subset of papers are comparable, including those that address savings behavior, defaults on loans, and financial skills such as record keeping. The results from the meta-analysis indicate that financial literacy and capability interventions can have a positive impact in some areas (e.g., increasing savings) but not in others (e.g., reducing loan defaults). Financial education, financial literacy, meta Analysis.

In tropical prawn (shrimp) trawl fisheries it is daunting to assess the sustainability of bycatch species because they are diverse and there is little historical and biological information for quantitative stock assessments. We developed a process to examine the likely impact of prawn trawling on the sustainability of bycatch species and applied this to fish bycatch in the Australian Northern Prawn Fishery. The 411 fish bycatch species were ranked with respect to biological and ecological criteria that contributed to two overriding characteristics, namely first, their susceptibility to capture and mortality due to prawn trawling, and second the population's capacity to recover after depletion. The rank of each species on these two characteristics determined its relative capacity to sustain trawling, and therefore its priority for research and management. Species that were the least likely to be sustainable came from the families Apogonidae, Ariidae, Bathysauridae, Callionymidae, Congridae, Diodontidae, Labridae, Opisthognathidae, Plotosidae, Synodontidae and Tetraodontidae. These species are highly susceptible to capture by trawls, they are benthic or demersal, their primary habitat is soft sediments, and their diet may include prawns. The recovery capacity of these species is also low, with the estimated removal rate by trawling high. The species that were the most likely to be sustainable came from the families Carangidae, Clupeidae, Ephippidae, Scombridae, Sphyraenidae and Terapontidae. They are less susceptible to capture by trawls, they are generally pelagic, their primary habitat is not in trawl grounds, and they have a broad depth distribution and range in the fishery. These species also have a greater capacity to recover, as most individuals have bred before capture, and a low estimated removal rate by trawling. The final ranking of the species must be used with caution because of the assumptions made in the process. However, the process is a valuable first step towards ensuring the sustainability of the bycatch species. Because of the simplicity of the process, it can be readily used in fisheries, particularly those with diverse bycatch, to manage the sustainability of their bycatch.

This paper presents a systematic and comprehensive meta-analysis of the literature on financial education interventions that focuses on financial education studies designed to strengthen the financial knowledge and behaviors of consumers. The analysis identifies 188 papers and articles that present impact results of interventions designed to increase consumers' financial knowledge (financial literacy) or skills, attitudes, and behaviors (financial capability). These papers are diverse across a number of dimensions, including objectives of the program intervention, expected outcomes, intensity and duration of the intervention, delivery channel used, and type of population targeted. However, there are a few key outcome indicators where a subset of papers are comparable, including those that address savings behavior, defaults on loans, and financial skills such as record keeping. The results from the meta-analysis indicate that financial literacy and capability interventions can have a positive impact in some areas (e.g., increasing savings) but not in others (e.g., reducing loan defaults). Financial education, financial literacy, meta Analysis. JEL codes: C93, D03, D14, O12, O17 A decade ago there was limited interest in the topic of financial literacy. Now this issue is at the top of the policy agenda for national regulators, international organizations, researchers, and private financial institutions. An important reason for the increased attention to financial literacy is the global financial crisis, which highlighted the importance of financial knowledge and skills for consumers. Anecdotal evidence from the crisis immediately suggested that people had taken on financial products-and risks-that they did not fully understand. Empirical studies confirmed this relationship, including Klapper et al.

There have been many individual phytoplankton datasets collected across Australia since the mid 1900s, but most are unavailable to the research community. We have searched archives, contacted researchers, and scanned the primary and grey literature to collate 3,621,847 records of marine phytoplankton species from Australian waters from 1844 to the present. Many of these are small datasets collected for local questions, but combined they provide over 170 years of data on phytoplankton communities in Australian waters. Units and taxonomy have been standardised, obviously erroneous data removed, and all metadata included. We have lodged this dataset with the Australian Ocean Data Network (http://portal.aodn.org.au/) allowing public access. The Australian Phytoplankton Database will be invaluable for global change studies, as it allows analysis of ecological indicators of climate change and eutrophication (e.g., changes in distribution; diatom:dinoflagellate ratios). In addition, the standardised conversion of abundance records to biomass provides modellers with quantifiable data to initialise and validate ecosystem models of lower marine trophic levels.

A new sustainability assessment for fishing effects (SAFE) method was used to assess the biological sustainability of 456 teleost bycatch species in Australia's Northern Prawn Fishery. This method can quantify the effects of fishing on sustainability for large numbers of species with limited data. The fishing mortality rate of each species based on its spatial distribution (estimated from detection/non-detection data) and the catch rate based on fishery-dependent or fishery-independent data were estimated. The sustainability of each species was assessed by two biological reference points approximated from life-history parameters. The point estimates indicated that only two species (but 21 when uncertainty was included) had estimated fishing mortality rates greater than a fishing mortality rate corresponding to the maximum sustainable yield. These two species also had their upper 95% confidence intervals (but not their point estimates) greater than their minimum unsustainable fishing mortality rates. The fact that large numbers of species are sustainable can be attributed mainly to their wide distributions in unfished areas, low catch rates within fished areas and short life spans (high biological productivity). The present study demonstrates how SAFE may be a cost-effective quantitative assessment method to support ecosystem-based fishery management.

No abstract

If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractPurpose -Influencing positive financial behaviors is the natural next frontier for social marketers to "get serious about", as there are clear behaviors that, once adopted by target populations, will improve the quality of life for individuals as well as society. The purpose of this paper is to describe a study conducted on behalf of the Consultive Group to Assist the Poor (CGAP), an independent policy and research center dedicated to advancing financial access for the world's poor. Design/methodology/approach -The seven best practices presented in this paper are based on original research undertaken in 2009-2010 which examined more than 100 cases around the world where a social marketing approach was used to influence a financial behavior. Findings -Relevant behaviors identified, including those related to establishing a bank account, increasing savings, using credit wisely, avoiding over indebtedness, applying for micro finance loans, adopting new technologies, reducing chances of fraud, choosing the right insurance, reporting abuse, and shopping around and comparing offers. Potential target audiences were broad, ranging from sex workers in India, to farmers in "self-help" groups in Kenya, to girls aged 10-18 in Mongolia, to the homeless in San Francisco, to households on tea estates in India. Originality/value -The paper describes seven best practices essential for success when applying social marketing principles and techniques to influence desired financial behaviors. For each practice, case examples are then presented, ones that demonstrate the successful application of the highlighted best practice to influence a specific financial behavior. In total, ten cases have been chosen to provide a range of countries, behaviors, target audiences, and strategies.

The Integrated Marine Observing System National Reference Station network provides unprecedented open access to species-level phytoplankton and zooplankton data for researchers, managers and policy makers interested in resource condition, and detecting and understanding the magnitude and time-scales of change in our marine environment. We describe how to access spatial and temporal plankton data collected from the seven reference stations located around the Australian coastline, and a summary of the associated physical and chemical parameters measured that help in the interpretation of plankton data. Details on the rationale for site locations, sampling methodologies and laboratory analysis protocols are provided to assist with use of the data, and design of complimentary investigations. Information on taxonomic entities reported in the plankton database, and changes in taxonomic nomenclature and other issues that may affect data interpretation, are included. Data from more than 1250 plankton samples are freely available via the Australian Ocean Data Network portal and we encourage uptake and use of this continental-scale dataset, giving summaries of data currently available and some practical applications. The full methods manual that includes sampling and analysis protocols for the Integrated Marine Observing System Biogeochemical Operations can be found on-line.