Abtract. Th e paper concerns motives and attitudes of young Georgians towards saving. Th e goal of this work is to point out diff erences between those who save and those who do not save money in the context of these motives and attitudes. Additionally, the relationship between saving and demographical factors, along with life satisfaction, was studied. It was noted that Georgians' views on saving money often originate from culture and diff er from what is observed in Western Europe. Th e results that are described come from the primary research co nducted in Georgia in 2014.
SummaryThe aim of this paper is to examine how age of the head of household affects the financial behavior of households in terms of indebtedness and over-indebtedness. The over-indebtedness was analyzed from two aspects -margin and debt service ratio indicators. The data from Household Budget Survey in 2011 conducted by Central Statistical Office of Poland was used in the analyses. To achieve the main objective, selected measures of descriptive statistics and contingency tables were used. The research results confirm that in Poland credits were taken mainly by households of young people, which is consistent with assumptions of the life cycle hypothesis. Although these assumptions were not confirmed in the case of a problem with over-indebtedness.
SummaryThe aim of this paper is to show the diversity of Polish households' financial behavior in terms of debt as well as an identification of households that are characterized by a high debt to income ratio. The article also attempt to assess the debt to income ratio as a measure of households over-indebtedness. To achieve the main objective, the cluster analysis method was used. Based on the households credits portfolio and the level of debt to income ratio, 11 homogeneous groups of households were generated. Five of them were characterized by a high debt to income ratio (>30%), which classify them as overindebted.
New product development (NPD) has gained more attention in innovation literature. Due to NPD may determine the unique position that organizations may conquer. However, few studies have examined how salespeople decide to sell existing products and new products. This importance relies on the premise that new products need to be sold by organization's salesforce. The objectives of this study is to (1) to develop a comprehensive and integrative conceptual framework of the antecedents of salesperson existing and new product selling based on the job demands-resources (JD-R). Based on an extensive literature review and the proposed conceptual framework, a self-administered survey will be develop and will be sent to more than 400 salespeople in high-tech's organizations in Taiwan. Then, SPSS and partial least squares (PLS) will be employed to provide a descriptive analysis of the collected data and for further hypotheses testing. Finally, the study will show the expected findings and expected implications for the current literature and for practitioners.
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