Future Directions in Education and Inclusion of Students with Disabilities: A Delphi Investigation

Farmers use credit from commercial credit providers to finance production activities. Commercial credit providers have to predict the financial sustainability of the enterprise to ensure that the borrower will have the ability to repay the loan. A Delphi study was conducted to explore what factors are used as indicators of loan-repayment ability of farmers. The objective was not only to identify factors that are currently considered, but also to identify other personal attributes that may improve the accuracy in predicting the repayment ability of potential borrowers. The Delphi was applied to a panel consisting of nine credit analysts and credit managers from a commercial credit provider in South Africa. The results indicate that the current and past financial performance, account standing, collateral, and credit record of the farm are very important in the assessment of applications in terms of financial performance. Experience and the success factors compared to competitors were found to be important, while age and education/qualification are regarded as less important in predicting repayment ability. The results also show that, although not currently objectively included in credit evaluations, credit analysis regards leadership and human relations; commitment and confidence; internal locus of control; self-efficacy; calculated risk taking; need for achievement; and opportunity seeking as important indicators of the ability of potential borrows to repay their loans. Thus, credit analysts and managers also regard management abilities and entrepreneurial characteristics of potential borrowers to be good indicators of repayment ability. Results from this research provide new indicator factors that can be used to extend existing credit evaluation instruments in order to more accurately predict repayment ability.

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“…Putman, Spiegel. and Bruininks [29] found consensus to be reached with 80% agreement falling within two measures of a five-point Likert scale.…”

Section: Level Of Consensusmentioning

confidence: 84%

Determinants of Financial Sustainability for Farm Credit Applications—A Delphi Study

Henning

Jordaan

2016

Sustainability

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“…Both the faculty and the school became more confident about referring students because they had heard of the LADS program at the end of 2007, and maintained this confidence in the use of LADS into 2008. Moreover, the information gained from the LADS was used to inform faculty staff (with the student's permission), and students with SLD appeared to improve their learning capabilities as they felt faculty were well advised [34,35].…”

Section: Key Stakeholdersmentioning

confidence: 99%

Enhancing Accessibility for University Students with Specific Learning Disabilities Using a Computerized Screening System

Henning¹

2010

TOREHJ

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This paper considers the diagnostic value of a computer screening system as an alternative, or adjunct, to traditional battery testing systems in identifying the presence of specific learning disabilities (SLD) in university students. In the present times of increasing numbers of students with various forms of disabilities entering tertiary education, institutional fiscal constraints, problems with employing and securing professional staff, and the heightened value placed on time, it would seem sensible to utilize cost and time efficient systems for diagnosing the presence of disabilities in students. This paper therefore considers the use of the Lucid Adult Dyslexia Screening (LADS) system, and draws from the university casebook of one psychologist to highlight its usefulness in terms of increasing accessibility to assessment and associated services. It is argued that, because the diagnostic phase is crucial to the approval and implementation of accommodations, efficiency in the assessment process contributes to reducing barriers that students with SLD may face in gaining access to equitable assistive resources. The conclusion suggests that LADS is a cost and time efficient system, but needs to be used judiciously by considering the clinical history of the student. Scope for further research is also indicated.

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“…In a recent study on future directions in the education of students with disabilities, Putnam, Spiegel, & Bruininks (1995) indicated that ?movement toward inclusion will continue, and the belief will predominate that people with disabilities have the right to full participation in integrated settings and activities (p.572). Presumably, this includes disabled students' interaction with the academic content in the regular education curriculum.…”

Section: Emerging Themes: Major Dilemmasmentioning

confidence: 99%

Rethinking the Teacher Education Curriculum in Special Education: Dilemmas in Connecting with the Field

Otis‐Wilborn

Winn

1999

Action in Teacher Education

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Teacher educators understand the importance of building strong connections between university coursework and preservice teachers' experiences in the field. However; often the two settings difSer in terms of philosophical and methodological perspectives and practice, presenting teacher education programs with a number of dilemmas. The purpose of this article is twofold. First, we describe our curriculum inquiry process in which we examined and reflected on data collected from cooperating teachers, student teachers, and university student teaching supervisors in the special education teacher certification program at the University of Wisconsin-Milwaukee (U WM). We were guided by a question that had plagued us for several years: How does our teacher education curriculum connect with preservice teachers' experiences in the field? Second, we summarize and discuss the outcomes of our inquiry as dilemmas, which emerged as we considered the experiences and expectations of each of the stakeholders in the student teaching process.

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Future Directions in Education and Inclusion of Students with Disabilities: A Delphi Investigation

Cited by 83 publications

References 11 publications

Determinants of Financial Sustainability for Farm Credit Applications—A Delphi Study

Determinants of Financial Sustainability for Farm Credit Applications—A Delphi Study

Enhancing Accessibility for University Students with Specific Learning Disabilities Using a Computerized Screening System

Rethinking the Teacher Education Curriculum in Special Education: Dilemmas in Connecting with the Field

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