This book examines four aspects of Malaysian consumers' financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers' financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019-2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.

This book examines four aspects of Malaysian consumers' financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers' financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019-2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.

Migration Practice as Creative Practice: An Interdisciplinary Exploration of Migration presents an in-depth evaluation of migrants' contributions to modern socio-economic structures. Leading with a discussion of the historical construction of migration and what it signifies in the modern globalised economies, an interdisciplinary range of contributors examine the interaction of migrants with new cultures, migrants' embeddedness into new environments and what that signifies for community relations. The book discusses the creative energies that migrants bring to the private and public spheres. Migration Practice as Creative Practice examines how migrants use their social lives, lived experiences, the process of identity formation and histories to inject positive 'newness' into host cultural and economic architectures. The book calls for more creative ways of researching migrant lived experiences and brings to life the different ways of approaching migrant research for scholars today.

World Economic Issues at the United Nations: Half a Century of Debate attempts an objective analysis of the discussions in the policy forums of the United Nations on the major issues in the world economy over the past half a century. The book opens with a brief survey of the world economy since the Second World War. The following chapter presents a bird's-eye view of the issues discussed as well as a perspective on each of the issues. Starting with the issues of growth and stability in industrial countries, the study goes on to present discussions on the evolving issues of development of less developed countries. The volume devotes a substantial chapter on the efforts at establishment of the new international economic order. The more mundane matters of food needs of developing countries and their pervasive poverty are not lost sight of. Discussions on other major issues of interest and concern to developing countries, such as those of primary commodities, and the crisis of external debt, as well as issues of international trade, occupy a substantial space in the study.Two short chapters dwell on debates relating to transnational corporations and the international monetary system, especially as they concerned developing countries. The book concludes with a substantial chapter on resources, environment and sustainable development, a subject of growing importance at the United Nations. A principal justification of the study is that these discussions and debates constituted a major body of thinking on the world economy that is worth surveying. A central aim is to follow the evolving ideas over time in each field, to describe not only what was debated but how, and in the process it throws light on the nature and limits of international economic cooperation. An all important question underlies an investigation of this nature. Many of those who were engaged in the half century of debate sought to change the world economy, some by only tinkering with it, others by radical reform. Has anything changed as a result? One would like to ponder, even though the answer may not be all that clear. The present study is offered as a modest contribution to any examination of the past achievements and future roles of the organization.

World Economic Issues at the United Nations: Half a Century of Debate attempts an objective analysis of the discussions in the policy forums of the United Nations on the major issues in the world economy over the past half a century. The book opens with a brief survey of the world economy since the Second World War. The following chapter presents a bird's-eye view of the issues discussed as well as a perspective on each of the issues. Starting with the issues of growth and stability in industrial countries, the study goes on to present discussions on the evolving issues of development of less developed countries. The volume devotes a substantial chapter on the efforts at establishment of the new international economic order. The more mundane matters of food needs of developing countries and their pervasive poverty are not lost sight of. Discussions on other major issues of interest and concern to developing countries, such as those of primary commodities, and the crisis of external debt, as well as issues of international trade, occupy a substantial space in the study. Two short chapters dwell on debates relating to transnational corporations and the international monetary system, especially as they concerned developing countries. The book concludes with a substantial chapter on resources, environment and sustainable development, a subject of growing importance at the United Nations. A principal justification of the study is that these discussions and debates constituted a major body of thinking on the world economy that is worth surveying. A central aim is to follow the evolving ideas over time in each field, to describe not only what was debated but how, and in the process it throwslight on the nature and limits of international economic cooperation. An all important question underlies an investigation of this nature. Many of those who were engaged in the half century of debate sought to change the world economy, some by only tinkering with it, others by radical reform. Has anything changed as a result? One would like to ponder, even though the answer may not be all that clear. The present study is offered as a modest contribution to any examination of the past achievements and future roles of the organization.

This study tried to assess the effects of some antecedents of psychological empowerment (i.e. Locus of Control, Information about strategic goals of organization and performance, self-esteem, trust, recognition, contingent financial reward, job security, employee-supervisor relationship, skill-knowledge and relationship with co-workers) on four cognition s of psychological empowerment (i.e. Meaning, Self-determination, Impact and Competence). For collecting primary data, questionnaire (including 33 like rt scale questions) was distributed among 180 employees working in organization in private sector in different geographical location. For achieving more detailed results, each question for both dependent and independent variable was considered as a variable, then reliability and validity test was implemented and finally multiple regression analysis for each nine dependent variable was employed. Each antecedent showed different influence on each dimension of psychological empowerment; for instance locus of control affected the cognition of impact mostly then sense of meaning, self-determination and finally there was little correlation between locus of control and the sense of compete

Are HRM practices, procedural justice and ethical behavior important source of employees' misconduct? What are the relationships among HRM practices, procedural justice, ethical behavior and Employee Misconduct in this context? To answer these questions, we i) develop a theoretical framework describing the factors that contribute to Employee Misconduct, ii) test the proposed model using Factor Analysis, multiple Regression Analysis techniques and others on both public and private sector employees' sample data collected via hand and web survey, and iii) consider the implication of the model. The results of the study show that HRM practices have a strong relationship with procedural justice. Three of HRM practices, training and development, performance management and promotion and compensation and incentives have strong impacts on Employee Misconduct. Interestingly, procedural justice mediates the relationship between HRM practices and Employee Misconduct whereas unethical behavior of self and co-worker moderate the relationship between procedural justice and Employee Misconduct.

This book contains fourteen chapters. Chapter one describes about design, construction and grading system. Chapter two describes about marker making method. Chapter three describes consumption of shirt and pant. Chapter four explains about stitch classes. Chapter five describes about seam and its properties. Chapter six contains fabric spreading process. Chapter seven describes about fabric cutting process. A brief description on feed mechanism described in chapter eight. Chapter nine describes various types of sewing machine and its components. Various types of sewing problem describes in chapter ten. Chapter eleven describes about interlining. Lining described in chapter twelve. Chapter thirteen describes about various types of joining process and finally various types of sewing threads are described in chapter fourteen. Author tries his best to complete this book. If there is any faults are found, please take it as minority basis.

This book contains eight chapters include with references. Chapter one contains the description about the work. Chapter two contains literature survey. Chapter three describes lock stitch formation process. Chapter four contains preliminary investigation of the thesis work. Chapter five contains experimental details of the work. In this chapter a grading system is developed on the respect of some sewing properties. Chapter six contains discussion of results.Conclusion implies that both sewing thread count and SPI affect sewing quality. At present sewing thread count is selected according to the GSM, strength, length, uniformity, elasticity, etc of the fabric. Our research indicates that this approach of selecting sewing thread count is not appropriate. According to our research sewing thread must be selected giving due regards to the cover factor of both fabric as well as sewing thread. Cover factor of sewing thread is related to the count of sewing thread and SPI. Further research may be carried out to develop some mathematical relation so that the count of sewing thread can be worked out from the fabric constructional parameters.

The book consists of 11 chapters. Every chapter is described separately. Chapter-1 contains introduction, Chapter-2 contains merchandising. In this chapter, the author tries himself best to give clear conception about merchandiser, their function and quality, etc. Chapter-3 contains brief description about accessories and trimmings. Chapter- 4 contains consumption and costing. In this chapter the author tries to a proper solution of an apparel consumption and costing process. Chapter-5 contains a short description of yarn count. Chapter-6 describes about L/C and shipment process.Chapter-7 describes about care instructions. Every export oriented product needs care instructions. Chapter-8 contains a short description of various types of faults. Chapter-9 contains various types of knit structure and their sketch with characteristics. Chapter-10 contains a brief description of quality control. Finally chapter-11 contains conclusion. The author has tried his best rectify the errors. In spite of that ones, it is likely to have some errors and omissions, everyone who read this book,please consider this matter.

Following the Earth Summit in Rio de Janeiro in 1992, countries took up the difficult task of finding a common approach that would slow down the build-up of greenhouse gas emissions in the atmosphere and delay changes to the planet's climate. A widespread concern among many of the participants in the newly formed United Nations Framework Convention on Climate Change was that the emission reductions needed to significantly affect climate change would cost so much that it could jeopardize the chances of a coordinated international solution. To address this concern, several flexible mechanisms were designed, including the CDM.While many applaud the CDM, others are concerned with its performance and achievements, and whether or not it will be continued beyond 2012. Critics argue, among other things, that it has not delivered on the sustainable development objective for which it was established and that projects are unevenly distributed, both geographically and sectorally.Much analysis is available on CDM, but very little comprehensive analysis, addressing various aspects of CDM is available. With a major decision for its continuation, a multi-dimensional analysis would be needed. This book is about the economic assessment of certain (not certain) CDM performances, and its future sustainability and trajectory.