Environmental value chain management of laundry detergents in the use phase

Environmental value chain management is concerned with the environmental aspects of products and services along the whole value chain, from raw material and energy acquisition to waste management. The use phase in the value chain remains an understudied subject, despite considerable consumption‐related environmental impacts. The purpose of this paper is to analyse the use phase of laundry detergents in households. Our empirical data consist of interviews in the laundry rooms of 299 Finnish households. Consumers’ environmental awareness, use of dosage measuring devices and actual doses of laundry detergents are studied in the empirical part of the study. The results show that consumers do not perceive households as significant polluters, the measuring devices they use are diverse and the number of ‘heavy users’ is high in all detergent brands. It is concluded that in the consumption of laundry detergents, consumers do not perceive environmental issues as specific value criteria in relation to the use of laundry detergents. Manufacturers, marketers and other actors in the value chain of laundry detergents could contribute to alleviating the harmful environmental impacts of the use phase by more effective consumer education and better product design. For consumers, it might be beneficial to adopt eco‐efficiency thinking in their daily consumption.     

Ernährung bei Niereninsuffizienz

Zusammenfassung  Gezielte Auswahl bestimmter N?hrstoffe — Dialysepatienten müssen viele ihrer Lebensgewohnheiten umstellen. Das f?llt den meisten Betroffenen schwer, insbesondere wenn es um die konsequente Umstellung des Ern?hrungs- und Trinkverhaltens geht. Mit den richtigen Tipps k?nnen Sie Ihre Patienten dabei unterstützen.     

Organisatorische Planung des Asset-Liability-Managements von Versicherungsunternehmen

How to organize an insurance company’s asset-liability-Management? To answer this question a decision model is constructed which can support decisionmakers in practice. To operate the model it is assumed that the utility produced by different organizational solutions depend on the relevance of savings the insurance company manages on behalf of the insured. The relevance is (a) lower in casualty related branches and it is (b) higher in life or life related branches. The model’s outcome is that an organizational solution which gives the units more autonomy is best in situation (a). In Situation (b), however, a more centralised coordination is favourable.     

Belief-value structures as determinants of consumer behaviour: A study of housing preferences and choices

The role of consumers' belief-value structures was investigated in the context of residential preferences and simulated residential choices by means of a questionnaire answered by 36 adult Swedish respondents. Three models with different assumptions concerning how beliefs about the attainment of life values affect consumer behaviour were used for predicting preferences for and choices among hypothetical housing alternatives. A model assuming that the evaluation of a given alternative is determined by a weighted sum of the evaluations of the life values which it is believed to lead to, without specifying how individual attributes contribute to this value-fulfillment, was found to be the most successful one in predicting both preference ratings and choices. The results further suggested that whereas the age of the respondents and the format of the information about attributes may have an effect on belief-value structures, the ability to use such structures in order to predict preferences and choices may not be much affected by these factors. The present approach was compared with the laddering technique, and it was suggested that the two methods may be fruitfully combined in the study of consumer attitudes and behaviour.     

Monetary policy and EMU enlargement: Issues regarding ERM II and adoption of the euro in Estonia

The aim of the paper is to give an overview of the issues related to Estonia's entry into ERM II. For that purpose the article describes the official position of the Estonian authorities regarding entry into ERM II and the adoption of the euro, explains the rationale for early entry into ERM II, and presents the reasons for maintaining the currency board arrangement until full membership in EMU. Also, the challenges of the adoption of the euro are discussed. The article concludes that early entry into ERM II is appropriate as the perceived costs—short-term costs of fiscal consolidation and the cost of giving up independent monetary policy and flexible exchange rates as stabilization tools—are practically non-existent in Estonia. The paper argues that the high level of exchange rate stability and nominal convergence, relatively high flexibility of the economy, and integration with the euro area support the rationale for maintaining the currency board arrangement and adopting the euro early.