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EN
Purpose: The purpose of the paper is to identify the attitudes of young people representing the so-called generation Z, towards the concept of lifelong learning in the context of managers' expectations. Design/methodology/approach: The article includes both a literature review and the authors’ own primary research. The study applies the results of qualitative (an individual in-depth interview) and quantitative (CAWI) research conducted in 2021 in Wielkopolska [Greater Poland]. Findings: The research shows that there is a large discrepancy between the managers’ expectations and the attitudes of young people towards the necessity to participate in lifelong learning. Managers pay attention to the extreme importance of the necessity to constantly learn new things not only in contemporary, but especially in the future, labor market. At the same time there is a relatively low level of acceptance of this necessity among people representing the generation Z. Research limitations/implications: In the future it is worth repeating the research among the representatives of generation Z living in other provinces and even other countries. Social implications: The article indicates that the development of lifelong learning skills requires, among others, developing a comprehensive education policy and cooperation between the public, private and civic sectors. It is also connected with the necessity to promote this concept in various environments – among different generations of employees, as well as young people soon entering the labor market. Originality/value: The obtained results confirm a large discrepancy between the managers’ expectations and the attitudes of young people towards the necessity to participate in lifelong learning. The article provides recommendations for paying attention to the need to teach young people the methods of effective self-learning and promote this concept in various environments.
2
Content available Bequests as a motive for saving up for old age
100%
EN
The main goal of this article is to describe the attitudes towards bequests as the motive for saving up for old age. The article reports the results of our own qualitative and quantitative research. The reasons for additional, voluntary saving up for old age, as seen in the conducted qualitative study are: creating a safety net against illnesses that often inevitably come with ageing, a wish to fulfill one’s dreams when retired, consumption smoothing during the entire lifetime, leaving a bequest, possession of savings with no particular aim and the lack of trust in the state pension system. For making voluntary savings for old age the most significant are the will to keep the current standard of life and creating a safety net against an illness. Definitely less significant is saving for the sake of it and leaving a bequest. Taking into consideration the factors contributing to gathering means for bequests, the research results indicate that most frequently several motives co-occur. Even if respondents declare a clear motive, for instance the altruistic one, they will still indicate conditions that limit the fully selfless transfer of their wealth.
PL
Celem artykułu jest określenie postaw wobec spadku jako jednego z motywów oszczędzania na starość. W artykule wykorzystano wyniki własnych badań jakościowych i ilościowych. Przyczynami dodatkowego, dobrowolnego oszczędzania na okres starości są: zabezpieczenie na wypadek chorób, które często nieuchronnie pojawiają się wraz z wiekiem, chęć realizacji na emeryturze własnych marzeń, wygładzenie konsumpcji w całym okresie swojego życia, pozostawienie spadku, posiadanie oszczędności bez wyraźnie sprecyzowanego celu oraz brak zaufania do państwowego systemu emerytalnego. Największe znaczenie dla tworzenia dobrowolnych oszczędności na starość posiadają chęć utrzymania dotychczasowego standardu życia oraz zabezpieczenie na wypadek choroby. Zdecydowanie mniejsze znaczenie odgrywa oszczędzanie dla samego faktu oszczędzania oraz pozostawienie spadku. Biorąc pod uwagę motywy skłaniające do gromadzenia zasobów przeznaczonych na spadek, wyniki badań wskazują, że najczęściej są one łączone. Nawet jeśli respondenci deklarują wyraźny motyw np. altruistyczny, to i tak wskazują na warunki ograniczające całkowicie bezinteresowne przekazanie swojego majątku.
3
Content available The Reverse Mortgage – Consumer Attitudes
63%
EN
The main goal of this article is to describe the attitudes towards the reverse mortgage (RM) as one of the options for acquiring additional financial resources by those who have finished their professional activity and retired. The article reports the results of our own quantitative research. The study uses data obtained from representative quantitative research conducted in 443 households in the Wielkopolska region in 2015. The research used the interviewer-led paper-and-pen interview method. The tool was a standardized interview questionnaire with a random research sample. The results of the research show that the representatives of households present a very low level of awareness and knowledge of the reverse mortgage and therefore they do not accept this way of securing one's old age. The most important factors which could encourage consumers to use the RM include the need for additional funds to cover the costs related to unexpected health problems, the lack of funds for basic supplies or no relatives to receive one's property as a bequest.
PL
Głównym celem artykułu jest identyfikacja postaw konsumentów wobec odwróconego kredytu hipotecznego jako jednej z możliwości uzyskania dodatkowych środków finansowych po zakończonej aktywności zawodowej i przejściu na emeryturę. W artykule wykorzystano wyniki własnych badań ilościowych przeprowadzonych metodą wywiadów bezpośrednich PAPI. Reprezentatywne badania przeprowadzone zostały wśród 443 gospodarstw domowych w Wielkopolsce w 2015 roku. Narzędziem wykorzystanym w badaniach był standaryzowany kwestionariusz wywiadu, zaś dobór do próby miał charakter kwotowy. Wyniki badań wskazują, że przedstawiciele gospodarstw domowych cechują się bardzo niskim poziomem świadomości i wiedzy o odwróconym kredycie hipotecznym (OKH), a tym samym brakiem akceptacji tego rozwiązania jako ewentualnego sposobu zabezpieczenia własnej starości. Najważniejszymi czynnikami, które mógłby skłonić do skorzystania z OKH są potrzeba posiadania dodatkowych pieniędzy, które można byłoby przeznaczyć na pokrycie kosztów związanych z niespodziewanymi problemami zdrowotnymi, brak pieniędzy na artykuły pierwszej potrzeby oraz brak krewnych, którym można byłoby pozostawić nieruchomość w spadku.
4
Content available Religious products – the perception of their value
51%
EN
Purpose: The main objective of the paper is to identify the attributes of the value of religious products. Specific objectives include: conceptualization of the notion and perception of religious products from the perspective of an individual, determining the impact of secularization on consumer behaviour in the field of religious products, exploring and defining research areas that will constitute the basis for planned quantitative research, enabling the quantification of the analyzed variables and verification of research hypotheses generated during qualitative research. Design/methodology/approach: Qualitative research (N = 21) on the perception of the value of religious products was conducted among Polish Catholics. Additionally, the understanding of the essence of religious products was examined. Findings: The research shows that a religious product is defined and perceived by the respondents in various ways - there is no uniform approach in this respect. Considering the approach proposed by Sheth et al. (1991), the respondents perceive the existence of all five values in religious products, among which the relatively greatest importance is assigned to functional and emotional values. Research limitations/implications: The research carried out is of a qualitative nature and is burdened with the disadvantages of this type of research. It is not a representative study and can only provide a partial picture of the research problem. Practical implications: The paper has interdisciplinary and exploratory character, covering not only the issues in the area of religion and culture, but also economic, ethnographic and psychological aspects of human behaviour. The conclusions from the conducted research may provide guidance for enterprises offering religious products on the market. Originality/value: The original value of the article is the conducted own research, addressed to both consumers and enterprises operating in the researched industry. An additional value is also the approach to the research problem; so far, this type of research has not been undertaken in relation to religious products.
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