ARTICLE Download: 17| View: 23| Comments: 0 | doi:10.20944/preprints202001.0275.v1
Subject: Social Sciences, Finance Keywords: customer- oriented service; behaviour; distribution channel; commissions and fees; objective and subjective advice; sustainable insurance brokerage
Online: 24 January 2020 (10:36:31 CET)
This research focuses on the customer orientation of insurance brokers, whose activity is regulated by the Law of 26/2006 of July 17 on the mediation of private insurances and reinsurances. The goal is to ascertain whether the intermediation inherent in the insurance broker’s activity, which implies a customer-oriented service, entails a positive behaviour that transcends the immediate environment, reaching society. This study presents a comparative analysis between the insurance brokerage society, characterised by providing a personalised customer service, and banks’ advisory services on insurance. To this end, we study the evolution of the total volume of business and new production, compared for a portfolio of insurance products. The results presented in this research suggest that the customer values the advisory service provided by the broker. However, for a particular business segment in standardised insurance products and products related to banking assets, customers are more likely to resort to the bank’s services. In addition, the results indicate that the commission percentages applied by the entities operating in the banking insurance channel exceed those perceived by the insurance broker. With all this, intermediation in the development of the insurer’s activity can entail an ethical and social behaviour that involves customer-orientation and, possibly, social service, which does not always benefit the insurer.
Thu, 23 January 2020
ARTICLE Download: 17| View: 91| Comments: 0 | doi:10.20944/preprints202001.0270.v1
Subject: Social Sciences, Economics Keywords: cost analysis; health technology assessment; provider-to-provider telemedicine; telehealth; economic analysis
Online: 23 January 2020 (16:19:31 CET)
Background: Telemedicine (interconsultation between primary and hospital care teams) has been operating in the counties of Central Catalonia Bages, Moianès and Berguedà since 2011 in the specialties of teledermatology, teleulcers, teleeyelids and teleaudiometries. For the period until the end of 2019, a total of 52,198 visits have been recorded. Objective: To analyse the differential costs between telemedicine and usual care in a semi-urban environment. Methodology: A cost-minimization evaluation, including direct and indirect costs from a societal perspective, distinguishing healthcare and user’s costs, within a three-month period. Results: Telemedicine saved € 780,397 over the period analysed. A differential cost favourable to telemedicine of about € 15/visit has been observed, the patient being the largest beneficiary of this saving (by 85%) in terms of shorter waiting times and travel costs. From the healthcare system perspective, moving the time spent in a hospital care consultation to primary care is efficient in terms of the total time devoted per patient. In social terms and in this context, telemedicine is more efficient than usual care. Conclusion: Users’ saving of time in terms of consultation and travel is the main driver of interconsultation between primary and hospital care savings in a semi-urban context. The telemedicine service is also economically favourable for the healthcare system, enabling it to provide a more agile service, which also benefits the healthcare professionals.
ARTICLE Download: 16| View: 22| Comments: 0 | doi:10.20944/preprints202001.0265.v1
Subject: Social Sciences, Economics Keywords: climate change; sustainable intensification (SI); smallholders; meta-analysis; random-effect model; Adoption, Southern Africa Development Community (SADC); effect size
Online: 23 January 2020 (14:03:51 CET)
Climate change and environmental degradation are major threats to sustainable agricultural development in Southern Africa. Thus, the concept of sustainable intensification (SI) i.e. getting more output from less input using certain practices such as agroforestry, organic fertilizer, sustainable water management etc. has become an important topic among researchers and policy makers in the region in the last three decades. A comprehensive review of literatures on the adoption of SI in the region identify nine relevant drivers of adoption of SI among (smallholder) farmers. These drivers include (i) age, (ii) size of arable land, (iii) education, (iv) extension services, (v) gender, (vi) household size, (vii) income, (viii) membership in farming organization and (ix) access to credit. We present the results of a meta-analysis of 21 papers on the impact of these determinants on SI adoption among (smallholder) farmers in Southern African Development Community (SADC) using random-effects estimation techniques for the true effect size. While our result suggests that variables such as extension services, education, age, and household size may influence the adoption of SI in SADC, factors such as access to credit is also of great importance. Decision-makers should therefore concentrate efforts on these factors in promoting SI across the SADC. This includes increasing the efficiency of public extension service as well as involvement of private sector in extension service. Furthermore, both public and private agriculture financing models should consider sustainability indicators in their assessment process.
ARTICLE Download: 6| View: 16| Comments: 0 | doi:10.20944/preprints202001.0263.v1
Subject: Social Sciences, Education Studies Keywords: youth; secondary education; entrepreneurial intention; entrepreneurial interest; psychological variables
Online: 23 January 2020 (10:02:46 CET)
Introduction: Studies of the socio-economic function of entrepreneurship have emphasized the critical role that entrepreneurial competence and its implementation play at different stages of the education system. In this paper, we seek to determine the entrepreneurial interest of Spanish youth aged between 15 to 18 years of age, who find themselves in the state-regulated education system, at an initial stage in the development of entrepreneurship. A previously validated ad hoc questionnaire was applied through simple random sampling to 1,764 students at a secondary school in Spain. The analysis is done with Artificial Neural Networks (ANN), a technique that reduces the high dimensionality of data through Cooperative Maximum Likelihood Hebbian Learning (CMLHL), applying neurocomputational methods to the educational sciences. Spanish youth expressed a medium level of interest in entrepreneurship. Analysis with ANN shows that education in entrepreneurial competence is an influential aspect of interest in entrepreneurship. As conclusion, educational and curricular reforms must be undertaken to promote the development of entrepreneurial competence at various stages of compulsory education to increase interest in entrepreneurship.
Wed, 22 January 2020
ARTICLE Download: 12| View: 29| Comments: 0
Subject: Social Sciences, Law Keywords: value co-creation; National Health Insurance; My Health Bank; Service Ecosystem
Online: 22 January 2020 (02:55:28 CET)
Objective: Taiwan Government’s organizations have endeavored to promote the applications of big data and open data. The “My Health Bank” is one of the measures promoted by the National Health Administration, Ministry of Health and Welfare. This study proposes the perspective of the “value co-creation” with the attempt to extend the concept of service ecosystem and apply it on the platform of My Health Bank to examine whether people (patients, families, and caregivers) can promote their health literacy? Method: This cross-sectional study, with people that have registered at “My Health Bank” as subjects. Complying with the inclusion criteria, 401 questionnaires were delivered, with 391 valid ones, excluding those incompletely and inaccurately filled. Result: That the affecting factors of the co-creation of values: age, education level, annual income, and platform operation show to be significant ( p＜0.05); and gender, occupation, and resource exchange do not reach the significant level (p＞0.1). Conclusion: We found My Health Bank changed the inertia of “value creation” in the traditional medical value, it allows the traditional medical and healthcare industry to expose to the impacts of the mega trend of the internet, the transformation of the platform in a necessary trend.
Tue, 21 January 2020
ARTICLE Download: 59| View: 198| Comments: 0 | doi:10.20944/preprints202001.0240.v1
Subject: Social Sciences, Library & Information Science Keywords: openness under neoliberalism; open-access licensing in capitalism; the politics of open-licensing
Online: 21 January 2020 (11:00:41 CET)
The terms 'open' and 'openness' are widely used across the current higher education environment particularly in the areas of repository services and scholarly communications. Open-access licensing and open-source licensing are two prevalent manifestations of open culture within higher education research environments. As theoretical ideals, open-licensing models aim at openness and academic freedom. But operating as they do within the context of global neoliberalism, to what extent are these models constructed by, sustained by, and co-opted by neoliberalism? In this paper, we interrogate the use of open-licensing within scholarly communications and within the larger societal context of neoliberalism. Through synthesis of various sources, we will examine how open access licensing models have been constrained by neoliberal or otherwise corporate agendas, how open access and open scholarship have been reframed within discourses of compliance, how open-source software models and software are co-opted by politico-economic forces, and how the language of 'openness' is widely misused in higher education and repository services circles to drive agendas that run counter to actually increasing openness. We will finish by suggesting ways to resist this trend and use open-licensing models to resist neoliberal agendas in open scholarship.
ARTICLE Download: 19| View: 15| Comments: 0 | doi:10.20944/preprints202001.0235.v1
Subject: Social Sciences, Finance Keywords: World economy restructuring; nature of global crises; risks of the financial markets; leadership problem
Online: 21 January 2020 (10:06:40 CET)
The World economy after global crisis of 2008–2009 entered a restructuring era. It defines relevance of researches of its directions and patterns. The principles of determinism and systemic analysis are methodological basis of article. In research were used the methods of processing Big Date, as of continuous changes and the symmetric analysis of macroeconomic indicators according to databases of the IMF, WB, BIS, the Central banks and treasuries. As a result of the research it is proved that depth and globalism of recessionary processes are caused by a combination of crisis of world financial system and civilization problems. Intrinsic signs of risks in the modern economy caused by the duality of the nature of global crises have been identified. There are analyzes: the deficit of resources of the international financial institutions, a negative role of a fixed rate of Yuan, a big share of derivatives and off-balance obligations of banks, use of SPV in structures of deals, growth of debt obligations, trade wars, slowdown in the growth of the Chinese economy, aggravation of contradictions between global and national finances. The thesis is reasonable that deglobalization and dedollarization deepened this conflict, started the rollback mechanism from achievements of globalization, led to tariff wars. By means of a systematization it is proved the key directions of the restructuring of global economy: legal basis, leadership and reserve currency. On the basis of SWOT-analysis of the USA and China it was concluded that the question of leadership of one country should be excluded, but slow transition to use SDR (with a basket from 15–20 currencies) as a reserve.