title: Disentangling assistive technology: Exploring the experiences of athletes with physical impairments in disability sport

authors: Asare, Francis

subjects: assistive technology

abstract: The use of assistive technology (AT) in sport raises critical questions about disability, access, equity, and embodiment in culture and society. In this paper, we seek to provide some clarity on the various ways that disabled people use, interact with, and experience AT through engagement in disability sport. Using semi-structured interviews, this paper centralises the experiences of twelve athletes with different physical impairments as they use AT for sports participation. We highlight a diverse range of experiences, illustrating how ATs function to provide athletes with a sense of embodied freedom and (im)possibilities, as well as exploring the influence of AT on athletes’ construction of self and other. Finally, we provide some insight into the dimensions of access that are required to fully utilise AT in sport, specifically focusing on the process of learning to use and respond to AT. We envisage this paper may inform disability and AT scholars, advocates, and sports sociologists as they build on and extend empirical work and advocacy at the intersection of AT, disability, and sport.

text: Disentangling assistive technology: Exploring the experiences of athletes with physical impairments in disability sport The use of assistive technology (AT) in sport raises critical questions about disability, access, equity, and embodiment in culture and society. In this paper, we seek to provide some clarity on the various ways that disabled people use, interact with, and experience AT through engagement in disability sport. Using semi-structured interviews, this paper centralises the experiences of twelve athletes with different physical impairments as they use AT for sports participation. We highlight a diverse range of experiences, illustrating how ATs function to provide athletes with a sense of embodied freedom and (im)possibilities, as well as exploring the influence of AT on athletes’ construction of self and other. Finally, we provide some insight into the dimensions of access that are required to fully utilise AT in sport, specifically focusing on the process of learning to use and respond to AT. We envisage this paper may inform disability and AT scholars, advocates, and sports sociologists as they build on and extend empirical work and advocacy at the intersection of AT, disability, and sport.

year: 2023

title: Incorporation of Environmental Issues into Banks’ Lending Decisions

authors: Mazahrih, Basman Jalal Saeed

subjects: lending decisions

abstract: This thesis examines commercial banks’ practice pertaining to the integration of environmental issues into their lending activities. There is evidence that over the last few decades some banks have considered the environmental impact of borrower activities as part of credit risk assessment and management. A number of academic surveys have identified a positive correlation between the environmental and financial performance of companies. These developments influence the level of bank support for responsible environmental management. For most commercial banks loans are a large percentage of assets. Hence appropriate management of loans is a priority for bank management, shareholders and other interested people. Traditionally, banks use financial instruments to measure the efficiency of their lending decisions and to ensure that payments are made on time. However, each lending operation may involve environmental risks. Adverse environmental outcomes may result in a reduction in the borrowers’ repayment capacity, a decline in the value of the collateral, a direct bank liability for environmental damage caused by its borrowing clients and potential risks to the bank’s reputation. For each of these risks the bank can determine the likelihood, extent, cost and impact should the damage actually occur. Bank lending occurs in a wider economic and social context of strategic importance for banks. Society’s quest for sustainable development involves the creation of new financing markets, such as markets for sustainable energy, water purification equipment, products for the financing of companies’ climate policies and groundbreaking technology. Banks can fulfil the role of a traditional financial intermediary or can step into this growing market to develop specific new products such as environmental loans. This market is rich in challenges and opportunities. Hence, it is crucial that banks have appropriate indicators to help them and stakeholders monitor performance. Against this background, this study investigates the practice of incorporating environmental issues into banks’ lending decisions, utilizing Westpac as a case study. Qualitative and quantitative research approaches were adopted. A mixed method of data collection was used, consisting of an analysis of annual reports, semi-structured interview and a survey questionnaire. The Westpac study is used to develop and test an environmental sustainability framework to analyse the incorporation of environmental issues into lending decisions by financial institutions. The results from the research provide some evidence that Westpac incorporates environmental issues into lending decisions and is aware of environmental risks and opportunities. At the operational level, the bank assesses environmental risks before approving loans and finances projects with high environmental benefits. With regard to motivational drivers, the findings indicate that the bank’s incorporation of environmental issues into lending decisions is motivated by multiple reasons: managerial, financial and environmental. However, the environmental information reported was not consistently and sufficiently communicated to stakeholders. Further, the results from the research reveal that bank management should effectively consider environmental issues when making lending decisions and that they should take specific actions to have such issues effectively implemented. Although banks are motivated by a variety of factors, financial issues were considered the most important factor when banks are making lending decisions. This study also reveals that respondents did not know about bank effectiveness in addressing environmental issues when making lending decisions. Moreover, people who are likely to be better informed or knowledgeable about environmental issues were also found to have a low level of knowledge in this regard. Furthermore, the majority of respondents tend not to be satisfied with the interaction between banks and both the public and the New Zealand government. The literature to date suggests there is increasing stakeholder pressure on businesses to act with environmental responsibility, but this result suggests challenges still remain. A comparison of Westpac and HSBC stakeholder reports revealed that HSBC provided more appropriate environmental information than Westpac regarding their lending activities. The comparison reveals that there is a shift in how banks view the consideration of environmental performance as material to users of the annual reports. However, there is a gap in the information provided probably due to the voluntary nature of sustainability disclosures in annual reports. Thus, there is a need for improvement relating to the content and quality of environmental reporting. This research proposes an environmental sustainability framework, with specific focus on the lending process as a guideline for bank management, policy makers and other interested people. It facilitates effective measurement of environmental performance in two major areas: management and operations, and motivations. The framework includes indicators and processes to improve bank financial and environmental performance. The key findings of this study are instructive. Consideration of environmental issues when making lending decisions is important to banks, borrowers, the environment and stakeholders in general. Environmental risks, opportunities and the positive relationship between the environmental performance and financial performance give motivation to integrate environmental issues into lending activities. This study identified that Westpac and commercial banks more generally have an opportunity to provide further and consistent evidence concerning their managerial and operational performance and drivers when making lending decisions. Such actions would provide stakeholders with more accurate views on the bank’s environmental performance. It would also facilitate the bank’s ability to respond sufficiently and transparently to the international agreements and initiatives the bank is signatory to and/or a member of.

text: Incorporation of Environmental Issues into Banks’ Lending Decisions This thesis examines commercial banks’ practice pertaining to the integration of environmental issues into their lending activities. There is evidence that over the last few decades some banks have considered the environmental impact of borrower activities as part of credit risk assessment and management. A number of academic surveys have identified a positive correlation between the environmental and financial performance of companies. These developments influence the level of bank support for responsible environmental management. For most commercial banks loans are a large percentage of assets. Hence appropriate management of loans is a priority for bank management, shareholders and other interested people. Traditionally, banks use financial instruments to measure the efficiency of their lending decisions and to ensure that payments are made on time. However, each lending operation may involve environmental risks. Adverse environmental outcomes may result in a reduction in the borrowers’ repayment capacity, a decline in the value of the collateral, a direct bank liability for environmental damage caused by its borrowing clients and potential risks to the bank’s reputation. For each of these risks the bank can determine the likelihood, extent, cost and impact should the damage actually occur. Bank lending occurs in a wider economic and social context of strategic importance for banks. Society’s quest for sustainable development involves the creation of new financing markets, such as markets for sustainable energy, water purification equipment, products for the financing of companies’ climate policies and groundbreaking technology. Banks can fulfil the role of a traditional financial intermediary or can step into this growing market to develop specific new products such as environmental loans. This market is rich in challenges and opportunities. Hence, it is crucial that banks have appropriate indicators to help them and stakeholders monitor performance. Against this background, this study investigates the practice of incorporating environmental issues into banks’ lending decisions, utilizing Westpac as a case study. Qualitative and quantitative research approaches were adopted. A mixed method of data collection was used, consisting of an analysis of annual reports, semi-structured interview and a survey questionnaire. The Westpac study is used to develop and test an environmental sustainability framework to analyse the incorporation of environmental issues into lending decisions by financial institutions. The results from the research provide some evidence that Westpac incorporates environmental issues into lending decisions and is aware of environmental risks and opportunities. At the operational level, the bank assesses environmental risks before approving loans and finances projects with high environmental benefits. With regard to motivational drivers, the findings indicate that the bank’s incorporation of environmental issues into lending decisions is motivated by multiple reasons: managerial, financial and environmental. However, the environmental information reported was not consistently and sufficiently communicated to stakeholders. Further, the results from the research reveal that bank management should effectively consider environmental issues when making lending decisions and that they should take specific actions to have such issues effectively implemented. Although banks are motivated by a variety of factors, financial issues were considered the most important factor when banks are making lending decisions. This study also reveals that respondents did not know about bank effectiveness in addressing environmental issues when making lending decisions. Moreover, people who are likely to be better informed or knowledgeable about environmental issues were also found to have a low level of knowledge in this regard. Furthermore, the majority of respondents tend not to be satisfied with the interaction between banks and both the public and the New Zealand government. The literature to date suggests there is increasing stakeholder pressure on businesses to act with environmental responsibility, but this result suggests challenges still remain. A comparison of Westpac and HSBC stakeholder reports revealed that HSBC provided more appropriate environmental information than Westpac regarding their lending activities. The comparison reveals that there is a shift in how banks view the consideration of environmental performance as material to users of the annual reports. However, there is a gap in the information provided probably due to the voluntary nature of sustainability disclosures in annual reports. Thus, there is a need for improvement relating to the content and quality of environmental reporting. This research proposes an environmental sustainability framework, with specific focus on the lending process as a guideline for bank management, policy makers and other interested people. It facilitates effective measurement of environmental performance in two major areas: management and operations, and motivations. The framework includes indicators and processes to improve bank financial and environmental performance. The key findings of this study are instructive. Consideration of environmental issues when making lending decisions is important to banks, borrowers, the environment and stakeholders in general. Environmental risks, opportunities and the positive relationship between the environmental performance and financial performance give motivation to integrate environmental issues into lending activities. This study identified that Westpac and commercial banks more generally have an opportunity to provide further and consistent evidence concerning their managerial and operational performance and drivers when making lending decisions. Such actions would provide stakeholders with more accurate views on the bank’s environmental performance. It would also facilitate the bank’s ability to respond sufficiently and transparently to the international agreements and initiatives the bank is signatory to and/or a member of.

year: 2011

title: Whānau aspirations, extracurricular activity  and positive youth development:  The leisure activity patterns and narratives of successful young Māori men and how they might inform  urban whānau raising tamatāne.

authors: Clarke, Gloria Hinemoa

subjects: Leisure

abstract: The purpose of this research is to offer parents and whānau (extended family groups) insight about the kinds of leisure activities that might make a positive contribution to their boys’ development. Focused on the positive developmental benefits of leisure participation in relation to Māori boys, and employing a kaupapa Māori framework and qualitative methods, this study represents a foray into new territory. 
	Conducted ‘by, with, and for’ Māori (the indigenous people of Aotearoa New Zealand), and guided by the question ‘How might the leisure activity patterns and narratives of successful young Māori men inform urban whānau raising tamatāne (Māori boys/sons)?’ the three-phase research design was strengths-based, collaborative, and both retrospective and prospective. In phase one, a group of 11 parents participated in focus group hui (gatherings) in which they established the criteria for ‘successful young Māori men’ (SYMM) based on their aspirations for their primary-school aged boys. In phase two, this whānau of interest then selected six SYMM from a pool of eight volunteers, who, along with one or both of their parents participated in one-off semi-structured interviews. In these interviews, we co-constructed life and leisure maps, and discussed how their childhood leisure activities and experiences contributed to their development and who they are today. In phase three, a selection of raw data from these interviews was prepared for a group analysis, during which the whānau of interest made three key observations: (1) As children and youth, these SYMM had participated in a number and range of organised and informal leisure activities including sport, kapa haka (Māori cultural performance), music, art, and for three of them, faith-based activities; (2) they were “connected” to their parent(s) and whānau; and (3) their leisure activities had brought them into contact with positive male role models. Consequently, the whānau of interest talked about increasing the number and variety of their boys’ leisure activities; how they could further support their boys’ leisure participation; and bringing more male role models into their boys’ lives. 
	The findings of this study support the current literature regarding extracurricular activity participation in relation to positive youth development, but also highlight some methodological issues and cultural and contextual nuances. The research supports international and local studies in which high-performing students participated in a number and combination of extracurricular activities. In contrast, however, the experiences and reflections of the SYMM in this study highlight the limitations of combining all sports and all arts into broad activity categories. The research participants’ leisure activities also point to the relevance and applicability of the Te Whare Tapa Whā model of health and wellbeing. Their involvement in kapa haka contrasts with the (North American) literature in which males are a minority in the performing arts, and while some studies indicate that participation in music making declines in high school, these young men began playing musical instruments in high school. Moreover, the salience and significance of the research participants’ casual leisure activities challenges the tendency to cast informal leisure as the antithesis of extracurricular activity participation. These findings raise questions about the applicability of using international activity categories in Aotearoa New Zealand research, and consequently the need to conduct our own leisure and positive youth development studies. 
Other topics raised in this thesis include rugby and masculinity, spirituality, and the tensions involved in building and honouring our children’s rangatiratanga (independence). The short answer to the research question is that a variety and balance of leisure activities has the potential to make positive contributions to boys’ lives. Implications, limitations, and recommendations for future research are also discussed.

text: Whānau aspirations, extracurricular activity  and positive youth development:  The leisure activity patterns and narratives of successful young Māori men and how they might inform  urban whānau raising tamatāne. The purpose of this research is to offer parents and whānau (extended family groups) insight about the kinds of leisure activities that might make a positive contribution to their boys’ development. Focused on the positive developmental benefits of leisure participation in relation to Māori boys, and employing a kaupapa Māori framework and qualitative methods, this study represents a foray into new territory. 
	Conducted ‘by, with, and for’ Māori (the indigenous people of Aotearoa New Zealand), and guided by the question ‘How might the leisure activity patterns and narratives of successful young Māori men inform urban whānau raising tamatāne (Māori boys/sons)?’ the three-phase research design was strengths-based, collaborative, and both retrospective and prospective. In phase one, a group of 11 parents participated in focus group hui (gatherings) in which they established the criteria for ‘successful young Māori men’ (SYMM) based on their aspirations for their primary-school aged boys. In phase two, this whānau of interest then selected six SYMM from a pool of eight volunteers, who, along with one or both of their parents participated in one-off semi-structured interviews. In these interviews, we co-constructed life and leisure maps, and discussed how their childhood leisure activities and experiences contributed to their development and who they are today. In phase three, a selection of raw data from these interviews was prepared for a group analysis, during which the whānau of interest made three key observations: (1) As children and youth, these SYMM had participated in a number and range of organised and informal leisure activities including sport, kapa haka (Māori cultural performance), music, art, and for three of them, faith-based activities; (2) they were “connected” to their parent(s) and whānau; and (3) their leisure activities had brought them into contact with positive male role models. Consequently, the whānau of interest talked about increasing the number and variety of their boys’ leisure activities; how they could further support their boys’ leisure participation; and bringing more male role models into their boys’ lives. 
	The findings of this study support the current literature regarding extracurricular activity participation in relation to positive youth development, but also highlight some methodological issues and cultural and contextual nuances. The research supports international and local studies in which high-performing students participated in a number and combination of extracurricular activities. In contrast, however, the experiences and reflections of the SYMM in this study highlight the limitations of combining all sports and all arts into broad activity categories. The research participants’ leisure activities also point to the relevance and applicability of the Te Whare Tapa Whā model of health and wellbeing. Their involvement in kapa haka contrasts with the (North American) literature in which males are a minority in the performing arts, and while some studies indicate that participation in music making declines in high school, these young men began playing musical instruments in high school. Moreover, the salience and significance of the research participants’ casual leisure activities challenges the tendency to cast informal leisure as the antithesis of extracurricular activity participation. These findings raise questions about the applicability of using international activity categories in Aotearoa New Zealand research, and consequently the need to conduct our own leisure and positive youth development studies. 
Other topics raised in this thesis include rugby and masculinity, spirituality, and the tensions involved in building and honouring our children’s rangatiratanga (independence). The short answer to the research question is that a variety and balance of leisure activities has the potential to make positive contributions to boys’ lives. Implications, limitations, and recommendations for future research are also discussed.

year: 2020