Adele Atkinson - Academia.edu (original) (raw)

Papers by Adele Atkinson

Working paper

This study takes Cyprus as a case country to examine the role of financial literacy for financial... more This study takes Cyprus as a case country to examine the role of financial literacy for financial resilience in the pandemic period. Responses to the survey questions to assess the level of financial literacy show that in 2021 less than 4 out of 10 respondents had a good financial knowledge proficiency level. The results also show that more than 1 out of 3 Cypriots are financial fragile, i.e., would not have been able to cover an unexpected financial need within a month without borrowing or asking for financial help. Moreover, about 6 out of 10 did not have a rainy-day fund to cover three months living expenses in case of losing their main source of income. The proportions are higher for young, not employed, low-income and larger households, indicating that these subgroups were the least resilient. These findings suggest that many Cypriot households were ill-prepared to face the economic consequences of the COVID-19 pandemic. Most importantly, the findings indicate that financial kn...

SSRN Electronic Journal

We would also like to thank the UK Data Service for supplying the datasets used in this research ... more We would also like to thank the UK Data Service for supplying the datasets used in this research project. We also want to thank the funders and data collectors of these surveys. Naturally, none of these individuals or organisations has any responsibility for the analysis conducted or any conclusions drawn.

This paper reports the results of interviews with the head teachers of 25 English secondary schoo... more This paper reports the results of interviews with the head teachers of 25 English secondary schools, designed to gain information about how the Performance Threshold was operationalised in schools. The results show that most heads found their training to be unhelpful and of poor quality. The process by which the Threshold was operationalised varied between schools, in terms of how heads conducted internal training days and how they organised the process by which staff made applications. In some schools it was organised at departmental level, with departments submitting applications following a standard format. Most of the schools in our sample were able to give teachers value added information as the basis for reporting pupil progress, although a number of heads felt that this was not a valid measure of success in all subjects. Most of the staff eligible to apply for the Threshold did so, and most passed. When assessing applications, heads generally assessed the teacher rather than ...

A report to the Banking Code Standards …, 2004

Regression analysis indicates that age, sex, family type, labour force status and income, among o... more Regression analysis indicates that age, sex, family type, labour force status and income, among other factors, are independently related to providing any care and care of 20 or more hours per week in any one year, after the influence of other factors-including caring provision in the previous year-have been taken into account.

… Congress for School …, 2003

This paper is an updated version of those presented at the BERA, BELMAS, SCETT and NCSL conferenc... more This paper is an updated version of those presented at the BERA, BELMAS, SCETT and NCSL conferences in England near the end of last year. It is still in draft form. PLEASE DO NOT QUOTE WITHOUT PRIOR CONSENT OF THE AUTHORS ... Interest in the concept of a ...

Cuadro 2. Esquema del Adeva en la "Influencia de dos medios de cultivo en la influencia de tres c... more Cuadro 2. Esquema del Adeva en la "Influencia de dos medios de cultivo en la influencia de tres cultivares de coliflor (Brassica Oleracea, l) de colores (Sunset, Verde Trevi y Graffiti), bajo condiciones orgánicas de cultivo, a 3.384 m.s.n.m.

Research Papers in Economics, 2020

We examine the relationship between financial literacy and attitudes to cryptocurrencies, using m... more We examine the relationship between financial literacy and attitudes to cryptocurrencies, using microdata from 15 countries. Our financial literacy proxy exerts a large negative effect on the probability of currently owning cryptocurrencies. The financially literate are also more likely to be aware of cryptocurrencies, and more likely to report that they do not intend to own them. We confirm the external validity of our financial literacy proxy and findings using data from a second novel survey of retail investors in 3 Asian countries. More financially literate retail investors are more likely not to have held any cryptocurrencies. We show that the relationship between financial literacy and attitudes to cryptocurrencies is moderated by a different perception of the financial risk involved in cryptocurrencies versus alternative instruments by the more financially literate. Our findings shed light on the demand for cryptocurrencies among the general population and suggest that it is largely driven by unsophisticated users.

In April 2009 the Government and the Financial Services Authority launched the £12m Money Guidanc... more In April 2009 the Government and the Financial Services Authority launched the £12m Money Guidance Pathfinder service in the North-West and North-East of England. The service, known as Moneymadeclear, provides impartial information and guidance on a wide range of personal finance issues tailored to the individual's needs and circumstances. It is available through the web, over the phone or face-to-face across the North-West and North-East. An evaluation of the Money Guidance Pathfinder was undertaken by PFRC to provide an evidence base for decisions on the roll out of a national Money Guidance service.

Educational Research and Innovation, 2014

A workplace may sometimes be at the forefront of adopting innovations or new knowledge or methods... more A workplace may sometimes be at the forefront of adopting innovations or new knowledge or methods (described as lead innovation adoption), whether or not it is highly innovative. Analysis of lead innovation adoption can identify the extent to which such activities are observed in the education sector within more innovative organisations. The education sector can also be compared with other sectors of the economy such as manufacturing or other public services and across primary, secondary and higher education.

Consumer Research, 2006

... University of Bristol Adele Atkinson, Stephen McKay, ... Page 2. Acknowledgments The research... more ... University of Bristol Adele Atkinson, Stephen McKay, ... Page 2. Acknowledgments The research project was carried out on behalf of the FSA by Elaine Kempson, Adele Atkinson, Stephen McKay and Sharon Collard at the Personal Finance Research Centre, University of Bristol. ...

Powerful Professional Development: Building Expertise within the Four Walls of Your School

How the world's best-performing school systems came out on top, M Barber and M Mourshed (McKinsey... more How the world's best-performing school systems came out on top, M Barber and M Mourshed (McKinsey and Company, 2007).

baseline survey at the inception of the

The Centre for Market and Public Organisation (CMPO) is a leading research centre, combining expe... more The Centre for Market and Public Organisation (CMPO) is a leading research centre, combining expertise in economics, geography and law. Our objective is to study the intersection between the public and private sectors of the economy, and in particular to understand the right way to organise and deliver public services. The Centre aims to develop research, contribute to the public debate and inform policy-making. CMPO, now an ESRC Research Centre was established in 1998 with two large grants from The Leverhulme Trust. In 2004 we were awarded ESRC Research Centre status, and CMPO now combines core funding from both the ESRC and the Trust. Centre for Market and Public Organisation

The Centre for Market and Public Organisation, a Research Centre based at the University of Brist... more The Centre for Market and Public Organisation, a Research Centre based at the University of Bristol, was established in 1998. The principal aim of the CMPO is to develop understanding of the design of activities within the public sector, on the boundary of the state and within recently privatised entities with the objective of developing research in, and assessing and informing policy toward, these activities. Centre for Market and Public Organisation

English secondary schools operate within a performance management system, which includes league t... more English secondary schools operate within a performance management system, which includes league tables reporting school performance across a number of indicators. This paper reports the results of an interview-based study, showing that head teachers care about their school’s place in the league tables, and that they believe this system affects behaviour. The effects they identify include some unintended consequences, not necessarily related to improved overall school performance, including focusing on borderline students who can boost a pivotal indicator: the number of students gaining five A*-Cs at GCSE. This behaviour reflects, in part, the dual role played by headteachers: they are both educationalists (serving the interests of all pupils); and school marketers, concerned with promoting the school to existing and prospective parents. The behaviour is also consistent with economic theory, which predicts a focus on that which is measured, potentially at the expense of that which is...