Careers Advisory Service

Size: px
Start display at page:

Download "Careers Advisory Service"

Transcription

1 Careers Advisory Service Annual Report 2012/13 First Destination Statistics Careers Advisory Service 2 nd Floor, 7-9 South Leinster Street The University of Dublin, Trinity College Dublin 2 Tel: /1705 Fax:

2 1. REVIEW OF THE LABOUR MARKET Throughout the past academic year there were a series of steady signs that confidence was returning and that Irish economic recovery had begun: The IDA reported the creation of 12,722 new jobs during 2012 (6,570 net new jobs), the IDA s third consecutive year of growth in net employment. Job losses at IDA client companies were the lowest for a decade. In fact Ireland was the fourth largest recipient of foreign direct investment from the US in 2012, in contrast to Europe generally where investment fell by 17.5%. Separately, Enterprise Ireland supported companies created 12,861 new jobs (3,338 net new jobs) driven primarily by records levels of exports which broke the 16 billion barrier for the first time. The Exchequer returns for 2012 revealed that tax revenues were higher and spending was lower than forecast. The combined disposable income of all Irish households increased during 2012, the first annual increase since the recession began. However, three quarters of the increase was saved with less than a quarter being spent providing a negligible contribution to the domestic economy and hence to job creation in this segment. Retail sales figures for the first quarter of 2013 recorded a contraction on the same period in There was a further contraction in the second quarter bringing performance to a new post-crash low. Early in 2013, the government negotiated a deal which pushed the repayment period for the 28 billion Anglo Irish Bank debt out for up to forty years making the national debt more manageable, lessening the need for austerity. This deal provided a degree of stimulus for the domestic economy, paving the way for some modest job creation particularly in the retail sector. The arrangement also helped the country s status with debt ratings agencies and in the case of one, Standard and Poors, the outlook on Ireland was changed from negative to stable. Shortly after the promissory note deal, the government returned to the bond market and borrowed 5 billion from private investors at an annual interest rate just over 4%. The services sector which accounts for about 70% of the economy grew at its fastest rate in six years. Elsewhere, there were signs too of recovery in the UK market, though overall unemployment remained high at 7.8%. There was a welcome improvement in the UK graduate job market - employers had cut their entry level vacancies by 0.8% in An assessment published by the research company High Fliers found that employers recruited 4.6% more graduates to start work in 2013 compared with the numbers employed in This greater buoyancy in the graduate market is reflected in the destinations for the College s 2012 graduating class. The US had its best year for job creation in 2012 since the middle of the previous decade with unemployment moving down to 7.2% by the end of the academic year. From an Irish employment perspective, the academic year started on a relatively optimistic note with the economy beginning to generate jobs in the second half of 2012 following the collapse in employment in The standardised First Destination Statistics page 1

3 unemployment rate at the beginning of the academic year stood at 14.8%. By the end of the year it had dropped to 13.3% (compared to a Eurozone average of 12%), the lowest level in more than three years. Sectorally, retail, information technology, scientific activities, construction, finance and property all recorded at least two consecutive quarters of employment growth. However, most of the jobs were in the part-time not full-time category and most of those benefitting were aged 35 and over. From a graduate perspective though, the more positive employment environment is reflected in the employment levels for the graduating class of Nonetheless, emigration continued to gather pace during 2012/13 with 81,000 people leaving the State in the twelve months to April 2013 up 2% on the previous twelve months. Despite this, the current wave of emigration has not yet reached the levels recorded in the 1950s or indeed the 1980s when half a million people left. However, as the UCC Émigré project revealed, emigration is not confined to young unemployed graduates. Forty-seven per cent of those surveyed had full time jobs when they left but 85% now worked in full time positions abroad. Satisfaction levels with foreign salaries averaged 7.5/10 compared with 5/10 before leaving Ireland. General job satisfaction was also much higher 8/10, more than double the average before departing. The average quality of life rating was 7.9/10 compared with just 5.5/10 before they left. The study also found that 4 in 10 would like to move back to Ireland in the next three years but only 22% thought it was likely to happen. The first destination statistics together with the results of the Émigré project point to a significant brain drain from Ireland which is likely to impact negatively on the economy in future years. Not all of the economic indicators were positive. Lending continued to fall and constraints on credit caused difficulties for companies. This was problematic since employment growth is usually driven by young companies and generally these are the businesses which have the most difficulty accessing finance. The Central Bank pointed to the continuing need to bring down wages in both the public and private sectors in order to lower costs and prices in the economy. This continuing downward pressure on salaries is reflected in the starting salary data for both primary degree graduates and postgraduates. Exports amounted to 51.1 billion in the first seven months of 2013, almost 6% less than the same period in Most of that decline was caused by lower pharmaceutical exports as some products came off patent. With just weeks to go before exiting the EU/ECB/IMF bailout programme, IMF official Craig Beaumont identified unemployment as the most important challenge facing the country. Indeed the Department of Finance is still forecasting unemployment to be slightly more than 12% in 2016 (and to remain about 11% for the period). Possibly entrepreneurship could help alleviate high graduate unemployment and emigration? Speaking at an event in the Innovation Academy last year, Dr. Charles Wessner a leading US government adviser on innovation policy said that more work needed to be done in relation to business and entrepreneurship on campus. Perhaps this advice will be reflected in the College s forthcoming strategic plan. Sean Gannon November 2013 First Destination Statistics page 2

4 2. COMMENTARY ON THE 2012 FIRST DESTINATION STATISTICS The first destinations of graduates from this College are shown in Appendix 1, Tables I-V. The number of graduates (diplomas, primary degrees and postgraduates) surveyed from the class of 2012 and falling within the terms of the HEA First Destinations Survey was 3,123. The total number responding was 1,653, giving a response rate of 53%. The postal return of questionnaires by graduates was responsible for an important proportion of replies, but academic departments also provided information and there was extensive telephone followup by staff in the Careers Advisory Service. The percentages, which are calculated in this report, are percentages of the total of known destinations (i.e. of those who replied to our enquiries). Staff in the Service are currently working with the GeneSIS team to develop a new, online process for data collection and analysis. The elimination of data entry from paper based questionnaires should enhance the efficiency of the survey. We are very grateful to everyone who helped with the exercise this year which is important not only for internal reporting purposes but also provides key information for the various league tables and university ranking activities to which the College contributes. Primary Degree Graduates The overall outcome for primary degree holders is shown in the chart below: 28% 3% 6% 63% N = 1206 Further Study or Training or Employment taken up by those qualifying with a Full-time Primary Degree in the year 2012 Some of the highlights, which are apparent for this group, are: The number of graduates who gained employment (both full-time and parttime) was 63%, (2011: 51%) a dramatic improvement on the previous year. First Destination Statistics page 3

5 The percentage still seeking employment at 6%, was one percentage point lower than for As in previous years this overall percentage figure represents considerable variation between disciplines ranging from 4% in Engineering, Mathematics and Science (2011: 4 %) to 7% in Arts, Humanities and Social Sciences (2011: 9%). By contrast, graduate unemployment in the UK for the same cohort is 8% (2011:9%). Those undertaking Research or Further Academic Study numbered 28%, ten percentage points lower than the previous year (2011: 38%) which in turn was four percentage points lower than This ranged from 5% in Health Sciences (2011: 8%) to 40% in Engineering Mathematics and Science (2011: 65%). 28% of those choosing further study opted for study overseas (2011:22%). When asked about funding postgraduate study, 20% of respondents were self-funding (2011: 19%), 23% received a scholarship or award (2011: 24%), 35% were dependent on parental support (2011:32% and 14% were using a loan to pay for their programme (2011:9%). This decline in the popularity of postgraduate study is linked not only to a more buoyant jobs market but is also reflective of the significant costs associated particularly with taught programmes and fewer grants for research programmes. Increasingly, students are dependent on parental support or have to take out loans to support their studies. Reflecting the increasing confidence in the Irish economy, there was a significant increase in the numbers obtaining employment in Ireland 44% (2011: 35%) but this was accompanied by a higher level of graduate emigration 20% (2011: 16%). Of those travelling abroad for employment the most popular destinations were the UK (49%), other member states within the EU (13%) and North America (11%). The Eastern region provided the vast majority (84%) of job opportunities for those obtaining employment in Ireland (2011:89%). Also in an Irish context, the service sector continued to dominate with 86% of primary degree graduates (2011: 81%) making it their sector of choice. Within that figure, non-market services (47%) (2011: 56%), financial services (15%) (2011: 20%) and other professional services (18%) (2011: 11%) predominated. Employment in manufacturing decreased, accounting for 12% of jobs (2011: 17%). This pattern is broadly similar for those emigrating with 82% entering employment in the service sector (2011:83%). Non-market services accounted for 52% of jobs (2011: 64%) and within that Health Services (62%) predominated. Manufacturing accounted for 15% of jobs (2011: 10%). Of those who declared their salary, 78% of primary degree graduates obtaining employment in Ireland did so with a starting salary of 17,000 or more (2011: 92%). Eleven per cent earned 33,000 or more (2011: 24%) showing that there continues to be a significant decline at the higher end of the salary range. 15% had starting salaries of less than 13,000, (2011: 6%). By contrast, according to a survey by High Fliers, the median salary of graduates working with leading employers in the UK was stg 29,000 ( 34,270) the same as for UK salaries vary depending on the organisation with 25% of organisations paying between 20,000 ( 23,634) and 25,000 ( 29,543) The percentage of graduates who were not available for employment or study reduced to 3% (2011: 4%). This category mostly covers those who are First Destination Statistics page 4

6 taking a year out but the majority of those who do so work in order to finance travel or other activities usually, but not exclusively, in Australia or New Zealand. Finally, the pattern of first destinations over the five year period is shown in Appendix 2a. Postgraduates 11% 3% 10% 76% N = 445 Further Study or Training or Employment taken up by those qualifying with a Full-time Postgraduate Degree in the year 2012 The highlights for this group include: The number of postgraduates who gained employment (both full-time and part-time) was 76%, eight percentage points higher than the previous year. The percentage still seeking employment was six percentage points lower at 10% (2011: 16%). As is the case with primary degree graduates, this overall percentage figure represents considerable variation between disciplines ranging from 14% in Engineering, Mathematics and Science (2011: 19%) to 3% in Health Sciences. By contrast, postgraduate unemployment in the UK for the same cohort is 6%, two percentage points lower than for The numbers obtaining employment in Ireland increased 53% (2011: 51%). The numbers emigrating increased sharply 23% (2011: 17%). Of those going overseas the most popular destinations were the UK, North America and other member states of the EU. The Eastern region provided the vast majority (86%) of job opportunities for those obtaining employment in Ireland (2011: 89%). Also in an Irish context, the service sector dominated with 86% of postgraduates making it their sector of choice (2011: 85%). Within that First Destination Statistics page 5

7 figure, non-market services (58% (2011: 63%)) predominated. Manufacturing accounted for 12% of jobs (2011: 8%). This pattern is largely repeated for those emigrating with 84% entering employment in the service sector (2011: 82%), predominantly non-market services (52%). Manufacturing accounted for 14% of jobs (2011: 11%) for those deciding to go overseas. Of those who declared their salary, 83% of higher degree graduates obtaining employment did so with a starting salary of 17,000 or more (2011: 79%) with 33% earning 33,000 or more (2011: 35%) representing a decline in the numbers earning at the higher end of the salary range. The percentage of postgraduates who were not available for employment or study reduced slightly to 2.5% (2011: 3%). The pattern of first destinations over the five year period is shown in Appendix 2b. First Destination Statistics page 6

8 FIRST DESTINATION STATISTICS Appendix 1 Table I - All Faculties Further Study / Training or Employment taken up by males and females who qualified with full-time Primary Degrees and with Higher Degrees in the year Total number of graduates: Primary Degree: 1206 (472 Males 734 Females) Higher Degree: 445 (263 Males 182 Females) Primary Higher PRIMARY DEGREE HIGHER DEGREE Analysis of Sector In Employment in Ireland only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Electricity, Gas & Water Supply Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS Analysis of Sector In Employment Overseas Only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS First Destination Statistics page 7

9 Table II - Arts, Humanities & Social Sciences Further Study / Training or Employment taken up by males and females who qualified with full-time Primary Degrees and with Higher Degrees in the year Total number of graduates: Primary Degree: 423 (184 Males 239 Females) Higher Degree: 289 (110 Males 179 Females) Primary Higher PRIMARY DEGREE HIGHER DEGREE Analysis of Sector In Employment in Ireland only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS Analysis of Sector In Employment Overseas Only Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS First Destination Statistics page 8

10 Table III Engineering, Mathematics & Science Further Study / Training or Employment taken up by males and females who qualified with full-time Primary Degrees and with Higher Degrees in the year Total number of graduates: Primary Degree: 255 (143 Males 112 Females) Higher Degree: 88 ( 57 Males 33 Females) Primary Higher PRIMARY DEGREE HIGHER DEGREE Analysis of Sector In Employment in Ireland only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Electricity, Gas & Water Supply Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS Analysis of Sector In Employment Overseas Only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS First Destination Statistics page 9

11 Table IV - Health Sciences Further Study / Training or Employment taken up by males and females who qualified with full-time Primary Degrees and with Higher Degrees in the year Total number of graduates: Primary Degree: 259 (37 Males 222 Females) Higher Degree: 62 (10 Males 52 Females) Primary Higher PRIMARY DEGREE HIGHER DEGREE Analysis of Sector In Employment in Ireland only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS Analysis of Sector In Employment Overseas Only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS ss First Destination Statistics page 10

12 Table V - Multi-Faculty Further Study / Training or Employment taken up by males and females who qualified with full-time Primary Degrees and with Higher Degrees in the year Total number of graduates: Primary Degree: 269 (108 Males 161 Females) Higher Degree: 6 ( 5 Males 1 Females) Primary Higher PRIMARY DEGREE HIGHER DEGREE Analysis of Sector In Employment in Ireland only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS Analysis of Sector In Employment Overseas Only M F T % M F T % Agriculture, Forestry & Fishery Building & Construction Business, Finance & Insurance Services Computing & Software Applications Distribution Manufacturing Industries Non Market Services Other Industries or Industry not stated Personal and Recreational Services Professional Services NEC Transport, Storage & Communications TOTALS First Destination Statistics page 11

13 First Destination Statistics for Primary Degree Graduates (Expressed as percentages) Appendix 2a Research Work /Further Study IRL O.S Not available for Employment or Study Seeking Employment Gained Employment IRL O.S First Destination Statistics for Higher Degree Graduates (Expressed as percentages) Appendix 2b Research Work /Further Study IRL O.S Not available for Employment or Study Seeking Employment Gained Employment IRL O.S First Destination Statistics page 12

Graduate Employment. First Destinations Report. UL Graduates 2012. Careers Service. Cooperative Education & Careers Division. www.ul.

Graduate Employment. First Destinations Report. UL Graduates 2012. Careers Service. Cooperative Education & Careers Division. www.ul. Graduate Employment First Destinations Report UL Graduates 2012 Careers Service Cooperative Education & Careers Division www.ul.ie/careers 1 TABLE OF CONTENTS 1 EXECUTIVE SUMMARY... 6 2 GRADUATE EMPLOYMENT

More information

Survey Highlights DECEMBER 2013 EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES

Survey Highlights DECEMBER 2013 EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES GradStats DECEMBER EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES Graduate Careers Australia s (GCA) annual Australian Graduate Survey (AGS) is a study of the activities of new higher

More information

EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES

EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES GradStats EMPLOYMENT AND SALARY OUTCOMES OF RECENT HIGHER EDUCATION GRADUATES DECEMBER Graduate Careers Australia s (GCA) annual Australian Graduate Survey (AGS) is a study of the activities of new higher

More information

UNIVERSITY WORKS. 2014 employment report

UNIVERSITY WORKS. 2014 employment report UNIVERSITY WORKS 2014 employment report Empirical data shows Ontario university graduates have the best labour market outcomes. A university education leads to success. UNIVERSITY grads get jobs University

More information

Published by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller.

Published by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller. Published by the Stationery Office, Dublin, Ireland. To be purchased from the: Central Statistics Office, Information Section, Skehard Road, Cork, Government Publications Sales Office, Sun Alliance House,

More information

An Roinn Post, Fiontar agus Nuálaíochta Department of Jobs, Enterprise and Innovation Strategic Policy Division

An Roinn Post, Fiontar agus Nuálaíochta Department of Jobs, Enterprise and Innovation Strategic Policy Division Annual Employment Survey 2014 An Roinn Post, Fiontar agus Nuálaíochta Department of Jobs, Enterprise and Innovation Strategic Policy Division Table of Contents Table of Contents 2 Executive Summary 4 Introduction

More information

Impact of the recession

Impact of the recession Regional Trends 43 21/11 Impact of the recession By Cecilia Campos, Alistair Dent, Robert Fry and Alice Reid, Office for National Statistics Abstract This report looks at the impact that the most recent

More information

3. Understanding the part-time RAB charge

3. Understanding the part-time RAB charge 3. Understanding the part-time RAB charge Gavan Conlon, Partner, London Economics and Maike Halterbeck, Economic Consultant, London Economics Since 2001/02, there has been a marked decline in part-time

More information

Higher Degrees: Postgraduate Study in the UK 2000/01 to 2005/06. Jane Artess, Charlie Ball and Pearl Mok Higher Education Careers Service Unit (HECSU)

Higher Degrees: Postgraduate Study in the UK 2000/01 to 2005/06. Jane Artess, Charlie Ball and Pearl Mok Higher Education Careers Service Unit (HECSU) Higher Degrees: Postgraduate Study in the UK 2000/01 to 2005/06 Jane Artess, Charlie Ball and Pearl Mok Higher Education Careers Service Unit (HECSU) DIUS Research Report 08 16 Higher Degrees: Postgraduate

More information

Scotland s Class of 99: the early career paths of graduates who studied in Scottish higher education institutions. Summary report

Scotland s Class of 99: the early career paths of graduates who studied in Scottish higher education institutions. Summary report Scotland s Class of 99: the early career paths of graduates who studied in Scottish higher education institutions Summary report Scotland s Class of 99: the early career paths of graduates who studied

More information

Published by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller.

Published by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller. Published by the Stationery Office, Dublin, Ireland. To be purchased from the: Central Statistics Office, Information Section, Skehard Road, Cork, Government Publications Sales Office, Sun Alliance House,

More information

Project LINK Meeting New York, 20-22 October 2010. Country Report: Australia

Project LINK Meeting New York, 20-22 October 2010. Country Report: Australia Project LINK Meeting New York, - October 1 Country Report: Australia Prepared by Peter Brain: National Institute of Economic and Industry Research, and Duncan Ironmonger: Department of Economics, University

More information

Q1 2016 CAPITAL 500: QUARTERLY ECONOMIC SURVEY

Q1 2016 CAPITAL 500: QUARTERLY ECONOMIC SURVEY Q1 21 CAPITAL 5: QUARTERLY ECONOMIC SURVEY January March 21 LCCI COMMENTARY THE BUSINESS VIEW Our revamped Quarterly Economic Survey Capital 5 is now two years old, with eight s of data allowing us to

More information

Labour Market Brief September Quarter 2015

Labour Market Brief September Quarter 2015 Labour Market Brief September Quarter 2015 Key Message Overall the labour market continues to remain relatively tight, with both full time and part time employment continuing to increase since the beginning

More information

Contents. Key points from the 2014 Q4 Survey 4. General economic environment 5. Market conditions and the economy 6. Cash flow and risk 9 M&A 11

Contents. Key points from the 2014 Q4 Survey 4. General economic environment 5. Market conditions and the economy 6. Cash flow and risk 9 M&A 11 The Deloitte CFO Survey 2014 Q4 Results 2 Contents Key points from the 2014 Q4 Survey 4 General economic environment 5 Market conditions and the economy 6 Cash flow and risk 9 M&A 11 A note on methodology

More information

Employment and Wages for Alberta Workers with a Post-Secondary Education

Employment and Wages for Alberta Workers with a Post-Secondary Education Employment and Wages for Alberta Workers with a Post-Secondary Education Abstract Between 2013 and 2017, Alberta s economy is expected to add approximately 163,000 new jobs. 1 In addition, approximately

More information

Annual Employment Survey 2015

Annual Employment Survey 2015 Annual Employment Survey 2015 Table of Contents Table of Contents 1 Executive Summary 4 Overall Employment 4 Regional Employment 5 Sectoral Employment 6 Introduction 8 Chapter 1: Employment Trends 2006

More information

Employment Outlook for. Electricity, Gas, Water and Waste Services

Employment Outlook for. Electricity, Gas, Water and Waste Services Employment Outlook for Electricity, Gas, Water and Waste Contents INTRODUCTION... 3 EMPLOYMENT GROWTH... 4 EMPLOYMENT PROSPECTS... 6 VACANCY TRENDS... 8 WORKFORCE AGEING... 10 EMPLOYMENT BY GENDER AND

More information

TABLE OF CONTENTS. 1. Global Education Sector and Reform. 1.1 Market Overview and Size. 1.2 Initiatives to Boost Education Industry

TABLE OF CONTENTS. 1. Global Education Sector and Reform. 1.1 Market Overview and Size. 1.2 Initiatives to Boost Education Industry 1 TABLE OF CONTENTS 1. Global Education Sector and Reform 1.1 Market Overview and Size 1.2 Initiatives to Boost Education Industry 1.3 Global Tertiary Education Development 1.3.1 Student Population 1.3.2

More information

UNIVERSITY WORKS 2015 EMPLOYMENT REPORT

UNIVERSITY WORKS 2015 EMPLOYMENT REPORT UNIVERSITY WORKS 2015 EMPLOYMENT REPORT University Works uses empirical data to report on the outcomes of university graduates in terms of employment levels and earnings, as well as average debt upon graduation.

More information

Banking Fees in Australia

Banking Fees in Australia Banking Fees in Australia The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks aggregate fee income was unchanged in 2. Fee income

More information

PATTERNS AND TRENDS IN UK HIGHER EDUCATION 2012 HIGHER EDUCATION: ANALYSING A DECADE OF CHANGE

PATTERNS AND TRENDS IN UK HIGHER EDUCATION 2012 HIGHER EDUCATION: ANALYSING A DECADE OF CHANGE IN FOCUS Universites UK PATTERNS AND TRENDS IN UK HIGHER EDUCATION 2012 HIGHER EDUCATION: ANALYSING A DECADE OF CHANGE Contents Foreword 2 Introduction 4 An overview of higher education provision 5 Students

More information

TRENDS IN IRISH TOURISM. A report for Dublin Port Company Limited

TRENDS IN IRISH TOURISM. A report for Dublin Port Company Limited TRENDS IN IRISH TOURISM A report for Dublin Port Company Limited February 2011 SECTION 1 RECENT TRENDS IN IRISH TOURISM Economic Significance of Tourism Since 2007 the growth dynamic of the Irish economy

More information

Ireland and the EU 1973-2003 Economic and Social Change

Ireland and the EU 1973-2003 Economic and Social Change Ireland and the EU 1973-2003 Economic and Social Change Table 1 Population, 1971-2002 viii Table 2 Population of the provinces ix Table 3 Births, deaths and life expectancy ix Table 4 Numbers in education

More information

PERSONAL RETIREMENT SAVINGS ACCOUNT INVESTMENT REPORT

PERSONAL RETIREMENT SAVINGS ACCOUNT INVESTMENT REPORT PENSIONS INVESTMENTS LIFE INSURANCE PERSONAL RETIREMENT SAVINGS ACCOUNT INVESTMENT REPORT FOR PERSONAL RETIREMENT SAVINGS ACCOUNT () PRODUCTS WITH AN ANNUAL FUND MANAGEMENT CHARGE OF 1% - JULY 201 Thank

More information

Vol 2011, No. 4. Abstract

Vol 2011, No. 4. Abstract Unemployment and Labour Force Participation during the Recession Thomas Conefrey 1 Vol 2011, No. 4 Economic Letter Series Abstract The slowdown in Irish economic activity since 2008 has been accompanied

More information

Manpower Employment Outlook Survey Ireland

Manpower Employment Outlook Survey Ireland Manpower Employment Outlook Survey Ireland Q1 215 Country Name Employment Outlook The Manpower Employment Outlook Survey for the first quarter 215 was conducted by interviewing a representative sample

More information

CIMA SALARY SURVEY 2013. Republic of Ireland

CIMA SALARY SURVEY 2013. Republic of Ireland CIMA SALARY SURVEY 2013 Republic of Ireland 1 Foreword CIMA s members and students are looking forward to rapid career progression and salary rises well above the national average - despite the continuing

More information

Research Briefing. The Best and the Brightest EU students at UK universities and as highly skilled graduate workers in the UK

Research Briefing. The Best and the Brightest EU students at UK universities and as highly skilled graduate workers in the UK Research Briefing The Best and the Brightest EU students at UK universities and as highly skilled graduate workers in the UK Academic performance and labour market outcomes of EU domiciled students in

More information

MBA Forecast Commentary Joel Kan, jkan@mba.org

MBA Forecast Commentary Joel Kan, jkan@mba.org MBA Forecast Commentary Joel Kan, jkan@mba.org Weak First Quarter, But Growth Expected to Recover MBA Economic and Mortgage Finance Commentary: May 2015 Broad economic growth in the US got off to a slow

More information

Strategic Roadmap Development for international education in the PTE sector

Strategic Roadmap Development for international education in the PTE sector Strategic Roadmap Development for international education in the PTE sector What are Strategic Roadmaps? Strategic Roadmaps are planning tools that identify strategic goals and pathways for growth in international

More information

Country Focus: Migration of Portuguese nationals during the crisis

Country Focus: Migration of Portuguese nationals during the crisis Country Focus: Migration of Portuguese nationals during the crisis João Peixoto, Joana Azevedo and Pedro Candeias ISEG, Universidade de Lisboa and ISCTE-Instituto Universitário de Lisboa Background The

More information

Industry Outlook. Mining ISSN 2201-3660

Industry Outlook. Mining ISSN 2201-3660 Industry Outlook Mining ISSN 2201-3660 Table of Contents Employment... 1 Sectoral Employment... 2 Geographic Distribution... 3 Workforce Characteristics... 5 Workforce Age Profile... 5 Gender and Full

More information

ESRI Research Note FDI and the Availability of Dublin Office Space

ESRI Research Note FDI and the Availability of Dublin Office Space ESRI Research Note FDI and the Availability of Dublin Office Space David Duffy and Hannah Dwyer Research Notes are short papers on focused research issues. They are subject to refereeing prior to publication.

More information

Analysis Brief. Trends in Public Higher Education: Enrollment, Prices, Student Aid, Revenues, and Expenditures

Analysis Brief. Trends in Public Higher Education: Enrollment, Prices, Student Aid, Revenues, and Expenditures Analysis Brief Trends in Higher Education Series Trends in Public Higher Education: Enrollment, Prices, Student Aid, Revenues, and Expenditures Sandy Baum Senior Fellow, George Washington University Graduate

More information

COMPARATIVE GRADUATE TRACER SURVEY REPORT (2008 GRADUATES)

COMPARATIVE GRADUATE TRACER SURVEY REPORT (2008 GRADUATES) The University of the West Indies REPORT ON GRADUATE TRACER SURVEY OF FIRST DEGREE GRADUATES OF 2008 AND TREND ANALYSIS COMPARATIVE REPORT FOR MONA, CAVE HILL AND ST AUGUSTINE CAMPUSES One Year After Graduation

More information

Access to meaningful, rewarding and safe employment is available to all.

Access to meaningful, rewarding and safe employment is available to all. Home Previous Reports Links Downloads Contacts The Social Report 2002 te purongo oranga tangata 2002 Introduction Health Knowledge and Skills Safety and Security Paid Work Human Rights Culture and Identity

More information

Labour Market Bulletin

Labour Market Bulletin Labour Market Bulletin Manitoba September The Monthly Edition of the Labour Market Bulletin provides an analysis of monthly Labour Force Survey results for the province of Manitoba, including the regions

More information

Energy consumption forecasts

Energy consumption forecasts Pty Ltd ABN 85 082 464 622 Level 2 / 21 Kirksway Place Hobart TAS 7000 www.auroraenergy.com.au Enquiries regarding this document should be addressed to: Network Regulatory Manager Pty Ltd GPO Box 191 Hobart

More information

European Debt Crisis and Impacts on Developing Countries

European Debt Crisis and Impacts on Developing Countries July December 2011 SR/GFC/11 9 SESRIC REPORTS ON GLOBAL FINANCIAL CRISIS 9 SESRIC REPORTS ON THE GLOBAL FINANCIAL CRISIS European Debt Crisis and Impacts on Developing Countries STATISTICAL ECONOMIC AND

More information

Comparative Starting Salaries and Career Progression of Graduates in Science, Engineering and Technology (SET)

Comparative Starting Salaries and Career Progression of Graduates in Science, Engineering and Technology (SET) Comparative Starting Salaries and Career Progression of Graduates in Science, Engineering and Technology (SET) June 2006 Table of Contents Acknowledgements... 4 Executive Summary... 5 Chapter 1 - College

More information

Large and Small Companies Exhibit Diverging Bankruptcy Trends

Large and Small Companies Exhibit Diverging Bankruptcy Trends JANUARY, 22 NUMBER 2-1 D I V I S I O N O F I N S U R A N C E Bank Trends Analysis of Emerging Risks In Banking WASHINGTON, D.C. ALAN DEATON (22) 898-738 adeaton@fdic.gov Large and Small Companies Exhibit

More information

Statistical Data on Women Entrepreneurs in Europe

Statistical Data on Women Entrepreneurs in Europe Statistical Data on Women Entrepreneurs in Europe September 2014 Enterprise and Industry EUROPEAN COMMISSION Directorate-General for Enterprise and Industry Directorate D SMEs and Entrepreneurship Unit

More information

Quarterly Economic Commentary

Quarterly Economic Commentary Quarterly Economic Commentary David Duffy Kieran McQuinn Ciara Morley Daniel Foley Winter 2015 The forecasts in this Commentary are based on data available by 11 December 2015. Draft completed 11 December

More information

2. UK Government debt and borrowing

2. UK Government debt and borrowing 2. UK Government debt and borrowing How well do you understand the current UK debt position and the options open to Government to reduce the deficit? This leaflet gives you a general background to the

More information

JAN LIDÉN S ADDRESS TO FÖRENINGSSPARBANKEN S ANNUAL GENERAL MEETING IN STOCKHOLM APRIL 21, 2005

JAN LIDÉN S ADDRESS TO FÖRENINGSSPARBANKEN S ANNUAL GENERAL MEETING IN STOCKHOLM APRIL 21, 2005 JAN LIDÉN S ADDRESS TO FÖRENINGSSPARBANKEN S ANNUAL GENERAL MEETING IN STOCKHOLM APRIL 21, 2005 Dear shareholders, ladies and gentlemen, FöreningsSparbanken is currently the most profitable bank in the

More information

Labour market outlook, spring 2015 SUMMARY

Labour market outlook, spring 2015 SUMMARY Labour market outlook, spring 2015 SUMMARY Ura 2015:4 Labour market outlook Spring 2015 Summary The next few years will be characterised both by continued improvements in job growth and more people entering

More information

Chapter 2. Education and Human Resource Development for Science and Technology

Chapter 2. Education and Human Resource Development for Science and Technology Chapter 2 Education and Human Resource Development for Science and Technology 2.1 Evironment for Basic Human Resource Development... 53 2.1.1 Science education in primary and secondary schools... 53 2.1.2

More information

TCU Environmental Scan Graduate Enrollment Issues

TCU Environmental Scan Graduate Enrollment Issues TCU Environmental Scan Graduate Enrollment Issues TCU has stated its planning assumptions for the current development of the strategic papers include: 1. TCU would like to be near the top of Tier II ranked

More information

The Credit Card Report May 4 The Credit Card Report May 4 Contents Visa makes no representations or warranties about the accuracy or suitability of the information or advice provided. You use the information

More information

The Decline in Student Applications to Computer Science and IT Degree Courses in UK Universities. Anna Round University of Newcastle

The Decline in Student Applications to Computer Science and IT Degree Courses in UK Universities. Anna Round University of Newcastle The Decline in Student Applications to Computer Science and IT Degree Courses in UK Universities Introduction Anna Round University of Newcastle The research described in this report was undertaken for

More information

Global Education Sector and Changing Trends

Global Education Sector and Changing Trends Brochure More information from http://www.researchandmarkets.com/reports/1496888/ Global Education Sector and Changing Trends Description: The report analyzes the unique features of different regions which

More information

Bibby Financial Services Ireland. Irish Exporting Landscape Report 2013

Bibby Financial Services Ireland. Irish Exporting Landscape Report 2013 Preface For the third consecutive year Bibby Financial Services has sought to examine attitudes among Irish businesses across a range of issues related to potential and on-going export activities. Our

More information

global ENTERPRISE SURVEY REPORT 2011 asia-pacific

global ENTERPRISE SURVEY REPORT 2011 asia-pacific global ENTERPRISE SURVEY REPORT 2011 asia-pacific A UNIQUE AnnuAL insight into the competitiveness of ASIA-PAcific businesses And developments in GLOBALisAtion business with confidence icaew.com/smeresearch

More information

THE DELOITTE CFO SURVEY 2015 Q2 RESULTS PATH TO GROWTH

THE DELOITTE CFO SURVEY 2015 Q2 RESULTS PATH TO GROWTH THE DELOITTE CFO SURVEY 2015 Q2 RESULTS PATH TO GROWTH 2 Contents Key points from the 2015 Q2 Survey 4 Economic context 5 The economy and CFOs outlook 6 Funding 7 Cash flow and risk 8 M&A 9 A note on methodology

More information

UK Card Payments 2015

UK Card Payments 2015 UK Card Payments 2015 THE UK CARDS ASSOCIATION Cards are the most popular payment method in the UK by value. They allow cardholders to pay for goods and services easily, conveniently and securely. Card

More information

Fundratios 2010 Charity Fundraising Comparison

Fundratios 2010 Charity Fundraising Comparison Fundratios 2010 Charity Fundraising Comparison 1. Introduction and Overview Fundratios is designed to help all charities, both large and small, to fundraise more effectively by producing a comprehensive

More information

The National Business Survey National Report November 2009 Results

The National Business Survey National Report November 2009 Results The National Business Survey National Report November 2009 Results 1 Executive Summary (1) 2 NBS results from November 2009 demonstrate the continued challenging conditions faced by businesses in England

More information

WHAT DO GRADUATES DO? The Class of 2014

WHAT DO GRADUATES DO? The Class of 2014 WHAT DO GRADUATES DO? The Class of 2014 An Analysis of the First Destination of University and College of Education Graduates A report by the Higher Education Authority HEA MAY 2016 Acknowledgements The

More information

Steve and Clint Marchant Data Based Insights, Inc. on behalf of the ACS Department of Research & Market Insights. March 5, 2015

Steve and Clint Marchant Data Based Insights, Inc. on behalf of the ACS Department of Research & Market Insights. March 5, 2015 Starting Salaries of Chemists And Chemical Engineers: 2014 Analysis of the American Chemical Society's Survey Of New Graduates in Chemistry and Chemical Engineering Steve and Clint Marchant Data Based

More information

2015/16 2017/18 SERVICE PLAN

2015/16 2017/18 SERVICE PLAN Ministry of Advanced Education 2015/16 2017/18 SERVICE PLAN February 2015 For more information on the British Columbia Ministry of Advanced Education, see Ministry Contact Information on Page 19 or contact:

More information

Speech by the Taoiseach, Mr. Enda Kenny T.D. Ireland: Economic Recovery and the EU Presidency Stability, Jobs & Growth

Speech by the Taoiseach, Mr. Enda Kenny T.D. Ireland: Economic Recovery and the EU Presidency Stability, Jobs & Growth Speech by the Taoiseach, Mr. Enda Kenny T.D. Ireland: Economic Recovery and the EU Presidency Stability, Jobs & Growth at the London School of Economics Check against delivery Good afternoon, Ladies and

More information

REACHING HIGHER REFORMING STUDENT LOANS TO BROADEN ACCESS TO POSTGRADUATE STUDY BRIEFING. Rick Muir October 2014 IPPR 2014

REACHING HIGHER REFORMING STUDENT LOANS TO BROADEN ACCESS TO POSTGRADUATE STUDY BRIEFING. Rick Muir October 2014 IPPR 2014 BRIEFING REACHING HIGHER REFORMING STUDENT LOANS TO BROADEN ACCESS TO POSTGRADUATE STUDY Rick Muir October 2014 IPPR 2014 Institute for Public Policy Research ABOUT IPPR IPPR, the Institute for Public

More information

Student Loan Borrowing and Repayment Trends, 2015

Student Loan Borrowing and Repayment Trends, 2015 Student Loan Borrowing and Repayment Trends, 2015 April 16, 2015 Andrew Haughwout, Donghoon Lee, Joelle Scally, Wilbert van der Klaauw The views presented here are those of the authors and do not necessarily

More information

Chapter 4 Specific Factors and Income Distribution

Chapter 4 Specific Factors and Income Distribution Chapter 4 Specific Factors and Income Distribution Chapter Organization Introduction The Specific Factors Model International Trade in the Specific Factors Model Income Distribution and the Gains from

More information

Fastest growing occupations

Fastest growing occupations Fastest growing occupations During the period from 2006 to 2011, the number of Education aides grew strongly by 27.4 per cent or 2,025 workers, with growth distributed across Melbourne (Figure 7.39). The

More information

Tourism: jobs and growth The economic contribution of the tourism economy in the UK

Tourism: jobs and growth The economic contribution of the tourism economy in the UK Tourism: jobs and growth The economic contribution of the tourism economy in the UK November 2013 Contents The Tourism Economy: contributing to UK growth 1 Tourism: Benefitting all of Britain 2 Executive

More information

MYOB Australian Small Business Survey

MYOB Australian Small Business Survey MYOB Australian Small Business Survey August 2004 (Quarter 3) Small Business Survey Report Prepared for MYOB Prepared by AMR Interactive AMR Interactive Contact: Chris Caley Survey Project Manager Email:

More information

The changing finances of students studying in London: Evidence from the 2002/03 Student Income and Expenditure Survey

The changing finances of students studying in London: Evidence from the 2002/03 Student Income and Expenditure Survey The changing finances of students studying in London: Evidence from the 2002/03 Student Income and Expenditure Survey By Prof Claire Callender London South Bank University for the Mayor of London March

More information

Clint M. Hanni Partner Corporate Section of the Business Services Group

Clint M. Hanni Partner Corporate Section of the Business Services Group How to Negotiate Effectively with Your to Restructure a Loan PRESENTED BY: Clint M. Hanni Partner Corporate Section of the Business Services Group May 26, 2010 11:30 a.m. 1 p.m. Stoel Rives LLP One Utah

More information

BUSINESS POPULATION ESTIMATES FOR THE UK AND REGIONS 2011

BUSINESS POPULATION ESTIMATES FOR THE UK AND REGIONS 2011 STATISTICAL RELEASE STATISTICAL RELEASE BUSINESS POPULATION ESTIMATES FOR THE UK AND REGIONS 2011 12 October 2011 Issued by: BIS Level 2, 2 St Paul s Place, Sheffield, S1 2FJ For more detail: http://stats.bis.gov.

More information

Statistical Release 5 November 2015

Statistical Release 5 November 2015 Statistical Release 5 November 2015 Quarterly Financial Accounts Household Net Worth Continues To Increase Household net worth 1 rose to reach 600.1bn or 129,454 per capita during Q2 2015. This represented

More information

interim report 2004June 30, 2004

interim report 2004June 30, 2004 interim report 2004June 30, 2004 Macroeconomic trends In the first quarter of 2004, the euro-area economy grew 0.6% sequentially. This represented a faster pace of growth than in the previous quarters.

More information

Small Business Survey Scotland 2012

Small Business Survey Scotland 2012 Small Business Survey Scotland 2012 March 2013 Office of the Chief Economic Adviser Small Business Survey Scotland 2012 Office of the Chief Economic Adviser http://www.scotland.gov.uk/topics/economy/ Small

More information

Statement to Parliamentary Committee

Statement to Parliamentary Committee Statement to Parliamentary Committee Opening Remarks by Mr Glenn Stevens, Governor, in testimony to the House of Representatives Standing Committee on Economics, Sydney, 14 August 2009. The Bank s Statement

More information

2.5 Monetary policy: Interest rates

2.5 Monetary policy: Interest rates 2.5 Monetary policy: Interest rates Learning Outcomes Describe the role of central banks as regulators of commercial banks and bankers to governments. Explain that central banks are usually made responsible

More information

Toronto Employment Survey 2014

Toronto Employment Survey 2014 This bulletin summarizes the highlights of the 2014 City of Toronto annual Survey, marking its 32 nd consecutive year. This information resource presents a picture of change in Toronto s economy throughout

More information

The self-employed and pensions

The self-employed and pensions BRIEFING The self-employed and pensions Conor D Arcy May 2015 resolutionfoundation.org info@resolutionfoundation.org +44 (0)203 372 2960 The self-employed and pensions 2 The UK s self-employed populace

More information

2015 Business Outlook Survey

2015 Business Outlook Survey NJBIA s 56th Annual Business Outlook Survey 2015 Business Outlook Survey Expectations in New Jersey remain cautiously optimistic. Sales, profits and hiring are expected to be stable and the outlook remains

More information

TRADE UNION MEMBERSHIP 2012. Statistical Bulletin MAY 2013

TRADE UNION MEMBERSHIP 2012. Statistical Bulletin MAY 2013 TRADE UNION MEMBERSHIP 2012 Statistical Bulletin MAY 2013 Contents Correction... 3 Introduction... 4 Key findings... 6 1. Long Term Trends... 7 2. Private and Public Sectors... 8 3. Personal and job characteristics...11

More information

Hungary s GDP growth among EU top five in Q1 2015

Hungary s GDP growth among EU top five in Q1 2015 Hungary s GDP growth among EU top five in Q1 2015 According to seasonally adjusted GDP data published in the latest Eurostat flash report, in Q1 2015 gross domestic product grew by 0.4 percent in the Euro-zone

More information

First Home Buyers: The Big Picture

First Home Buyers: The Big Picture First Home Buyers: The Big Picture April 2014 Key Points: There has been considerable coverage of late regarding the First Home Buyer (FHB) market share, with the widespread perception that this group

More information

Higher Education Student Support in Scotland 2013-14

Higher Education Student Support in Scotland 2013-14 Higher Education Student Support in Scotland 2013-14 Statistical summary of financial support provided to students by the Student Awards Agency for Scotland in academic session 2013-14 October 2014 A National

More information

West Virginia Children and Families Funding Study

West Virginia Children and Families Funding Study West Virginia Children and Families Funding Study Update and Report on Nine Year Trends in Public Expenditures FY 1999 through FY 2007 June, 2009 Supported By: Division of Criminal Justice Services / Department

More information

Vol 2014, No. 1. Abstract

Vol 2014, No. 1. Abstract On the Slide? Salary Scales for New Graduates 24-212 Thomas Conefrey & Richard Smith 1 Economic Letter Series Vol 214, No. 1 Abstract Using data from a survey of degree graduates, this Letter presents

More information

Young Black America Part Four: The Wrong Way to Close the Gender Wage Gap

Young Black America Part Four: The Wrong Way to Close the Gender Wage Gap Issue Brief August 2015 Young Black America Part Four: The Wrong Way to Close the Gender Wage Gap By Cherrie Bucknor* Young blacks in America have had significant improvements in educational attainment

More information

Human resources of science and technology in 2012

Human resources of science and technology in 2012 Science, Technology and Information Society 2014 Human resources of science and technology in 2012 A growing number of doctorate degrees attained by foreigners A total of 1,143 doctorate degrees were attained

More information

CANADA AND U.S. AUTO SALES: ROOM FOR FUR- THER GROWTH? October 2014. Factors supporting the U.S. sales outlook: Employment Growth

CANADA AND U.S. AUTO SALES: ROOM FOR FUR- THER GROWTH? October 2014. Factors supporting the U.S. sales outlook: Employment Growth 93619 CANADA AND U.S. AUTO SALES: ROOM FOR FUR- THER GROWTH? October 2014 Canadian and U.S. auto sales have strengthened significantly from recession lows. Canadian new motor vehicle sales have surprised

More information

Economic Review, April 2012

Economic Review, April 2012 Economic Review, April 2012 Author Name(s): Malindi Myers, Office for National Statistics Abstract This note provides some wider economic analysis to support the Statistical Bulletin relating to the latest

More information

July 2014. UK Commercial & Residential Property Markets Review: July 2014 1

July 2014. UK Commercial & Residential Property Markets Review: July 2014 1 July 2014 UK Commercial & Residential Property Markets Review: July 2014 1 UK Commercial & Residential Property Markets Review: July 2014 2 UK COMMERCIAL & RESIDENTIAL PROPERTY MARKETS REVIEW: JULY 2014

More information

THE RETURN OF CAPITAL EXPENDITURE OR CAPEX CYCLE IN MALAYSIA

THE RETURN OF CAPITAL EXPENDITURE OR CAPEX CYCLE IN MALAYSIA PUBLIC BANK BERHAD ECONOMICS DIVISION MENARA PUBLIC BANK 146 JALAN AMPANG 50450 KUALA LUMPUR TEL : 03 2176 6000/666 FAX : 03 2163 9929 Public Bank Economic Review is published bi monthly by Economics Division,

More information

HEADLINE FIGURES 2013. Considering the people in the UK in 2013 who were either women aged between 21 and 59 or men aged between 21 and 64...

HEADLINE FIGURES 2013. Considering the people in the UK in 2013 who were either women aged between 21 and 59 or men aged between 21 and 64... HEADLINE FIGURES 213 Considering the people in the UK in 213 who were either women aged between 21 and 59 or men aged between 21 and 64... 19% 6. million had no qualifications or other qualifications 38%

More information

International Education Export Sector: Cover Paper

International Education Export Sector: Cover Paper OFFICE OF THE MINSTER FOR TERTIARY EDUCATION, SKILLS AND EMPLOYMENT OFFICE OF THE MINSTER OF IMMIGRATION The Chair Cabinet Economic Growth and Infrastructure Committee International Education Export Sector:

More information

SOURCES OF SME BUSINESS DEBT FINANCING IN ATLANTIC CANADA. By Theresa Shutt & Pierre Vanasse The Conference Board of Canada Ottawa, March 1999

SOURCES OF SME BUSINESS DEBT FINANCING IN ATLANTIC CANADA. By Theresa Shutt & Pierre Vanasse The Conference Board of Canada Ottawa, March 1999 SOURCES OF SME BUSINESS DEBT FINANCING IN ATLANTIC CANADA By Theresa Shutt & Pierre Vanasse The Conference Board of Canada Ottawa, March 1999 TABLE OF CONTENT Overview and Executive Summary....1 Introduction...8

More information

Make up of a Modern Day Coach. Skills, Experience & Motivations

Make up of a Modern Day Coach. Skills, Experience & Motivations Make up of a Modern Day Coach Skills, Experience & Motivations Introducing the research... As the world s largest training organisation for coaches, the coaching academy has developed a reputation for

More information

CommBank Accounting Market Pulse. Conducted by Beaton Research + Consulting November 2014

CommBank Accounting Market Pulse. Conducted by Beaton Research + Consulting November 2014 CommBank Accounting Market Pulse. Conducted by Beaton Research + Consulting November 2014 Contents Increasing confidence underpinned by strong economic outlook 2 Australian economic outlook 3 November

More information

A Labour Economic Profile of New Brunswick

A Labour Economic Profile of New Brunswick A Labour Economic Profile of New Brunswick January 2016 Table of Contents New Brunswick Highlights........................... 2 Current Business Environment....................... 3 GDP Snapshot....................................

More information

Spend Insights. Findings at a glance. Visa Small Business 4Q14 Report March 2015

Spend Insights. Findings at a glance. Visa Small Business 4Q14 Report March 2015 Visa Small Business Report March 2015 Spend Insights "Responses in many categories indicate a more optimistic outlook this quarter, but concerns about some key indicators clearly remain. In a pivotal shift,

More information

The Money Statistics April 2016

The Money Statistics April 2016 The Money Statistics April 2016 Welcome to the April 2016 edition of The Money Statistics The Money Charity s monthly round-up of statistics about how we use money in the UK. These were previously published

More information

The Career Paths of Physics Graduates A longitudinal study 2006 2010

The Career Paths of Physics Graduates A longitudinal study 2006 2010 The Career Paths of Physics Graduates A longitudinal study 2006 2010 1 Acknowledgments The Institute would like to thank the research team at the Centre for Education and Industry (CEI) at the University

More information