Individual Perspective Research Articles

Zooming In and Out of Programming: Developing an Approach to Trauma-and Violence-Informed Physical Activity “Post-Pandemic”

Researchers have found that physical activity is an effective health promotion tool due to its positive effect on wellbeing, however, despite the overwhelming evidence on the benefits of physical activity, many structural and systemic inequities exist that affect access and uptake particularly for women. These barriers have been exacerbated over the last few years as conditions surrounding the COVID-19 pandemic has made engagement in physical activity even more difficult for equity-deserving populations. Community organizations have reported an increase in gender-based violence and a strain on support services. In this qualitative research study, we present findings that demonstrated how COVID-19 complicated the delivery of in-person programs for equity-deserving populations. Using a feminist participatory action research approach, community-specific barriers to physical activity from the perspectives of individuals who deliver physical activity programming and social services to self-identified women were generated in three themes using thematic analysis: 1) Increased Need, Decreased Services; 2) Online Service Provision was Not Effective for Clients or Providers; 3) Physical Activity was Not Deemed an “Essential Service”-Transitioning from Survival Mode to a New Normal. Taken together, findings underlined the importance of effective and sustainable resources and strategies to improve access for women to engage in physical activity programs.

Exploring Differing Perspectives on Sustainability and Corresponding Strategies in German Automotive Companies

In addition to acute crises dominating the societal discourse, such as the global consequences of the COVID-19 pandemic and the Russian invasion of Ukraine, the world continues to face the ongoing challenge of limiting climate change and achieving a sustainable transformation. Yet, in public discourse, the widely used terms “sustainability” and “transformation” are not clearly defined, and the understanding varies greatly depending on the industry and the stakeholders considered. One important transformation arena lies within the German automotive industry, as it is one of the country’s biggest industrial sectors by revenue and the number of employees. In addition, the German automotive industry is currently going through a transition period due to the switch to electric drivetrains as the main propulsion technology opposed to combustion engines. Therefore, the following paper identifies the differing understandings of sustainability and according actions in the German automotive industry. Moreover, possible conflicts and prioritizations along the economic, ecological, and social dimensions of sustainability are presented based on an expert interview study. To do so, a structuring qualitative content analysis in combination with a descriptive approach was used focusing on the differing perspectives on sustainability of both the interviewees and their companies. The gathered data then allows to compare the aggregated individual and corporate sustainability perspectives in the German automotive industry, as well as comparing the sustainability perspectives of the interviewees and their respective companies case by case. The results suggest that there is a considerable discrepancy between individual and corporate understandings of sustainability. These differences can mainly be attributed to the companies’ economically driven views in contrast to the individuals’, mostly ecologically driven sustainability perspective. Moreover, several barriers and conflicts, rooted in the prioritization of economic gains, can be traced back to conflicts in the supplier pyramid. The identification of common transformation goals and measures among companies is necessary to enable a collaborative, sustainable transformation in the German automotive industry, which benefits all societal stakeholders in or attached to this sector.

Validation of the Comprehensive and Brief International Classification of Functioning, Disability and Health Core Sets for Schizophrenia from the Perspective of Individuals Diagnosed with the Disorder: A Worldwide Study Using Focus Groups

The comprehensive and brief International Classification of Functioning, Disability and Health (ICF) core sets for schizophrenia, based on the World Health Organization (WHO) framework, aim to describe the functioning of individuals with schizophrenia. The objective of this study was to identify the most common problems faced by these individuals and validate the ICF core sets. Eight focus groups were conducted, recorded, and transcribed verbatim. The linking process involved two independent coders identifying meaningful units and linking agreed-upon concepts to the ICF categories. Data saturation was defined as the point at which no new categories emerged from additional focus groups. The 37 participants in this study represented the WHO regions of Africa, South-East Asia, the Western Pacific, and Europe. The focus groups confirmed the relevance of all ICF core set categories, with an additional 21 second-level categories being proposed in at least six of the eight focus groups. In this study, the ICF core sets for schizophrenia were validated from the perspective of individuals. However, several second-level categories not currently included in the ICF core sets also emerged. To ensure that the ICF core sets are truly international in scope, the potential relevance of these categories should be investigated further.

Assembly of functional microbial ecosystems: from molecular circuits to communities.

Microbes compete and cooperate with each other via a variety of chemicals and circuits. Recently, to decipher, simulate or reconstruct microbial communities, many researches have been engaged in engineering microbiomes with bottom-up synthetic biology approaches for diverse applications. However, they have been separately focused on individual perspectives including genetic circuits, communications tools, microbiome engineering, or promising applications. The strategies for coordinating microbial ecosystems based on different regulation circuits have not been systematically summarized, which calls for a more comprehensive framework for the assembly of microbial communities. In this review, we summarize diverse cross-talk and orthogonal regulation modules for de novo bottom-up assembling functional microbial ecosystems, thus promoting further consortia-based applications. Firstly, we review the cross-talk communication-based regulations among various microbial communities from intra-species and inter-species aspects. Then, orthogonal regulations are summarized at metabolites, transcription, translation, and post-translation levels, respectively. Furthermore, to give more details for better design and optimize various microbial ecosystems, we propose a more comprehensive design-build-test-learn (cDBTL) procedure including function specification, chassis selection, interaction design, system build, performance test, modelling analysis, and global optimization. Finally, current challenges and opportunities are discussed for the further development and application of microbial ecosystems.

The Effect of Social Support on Self Efficacy in Job Search to Improve Career Adaptability

Career decision-making is an important stage for students, specifically the process of making career decisions that is realized through the selection of companies and job positions. To make an optimal selection, many aspects are involved or influence the decision, both internal and external factors. Career decision-making should also align with the abilities possessed by the students themselves. One of the factors that can influence the decisiveness of students' career decisions from the individual perspective is Self-Efficacy, while from the environmental perspective, one of the factors is Social Support. The purpose of this research is to determine the extent to which social support and self-efficacy in job search influence the development of Career Adaptability in final-year students. This research uses a quantitative approach with a population consisting of all university students in the city of Madiun. The sample was taken using purposive sampling based on the population criteria. Data analysis was conducted using multiple regression with SPSS software

Electricity Bill Savings from Reduced Household Energy Consumption in Apartment Complexes

Apartments account for 64.6% of all housing units in the Republic of Korea, and most of them receive electricity under a contract, which includes a progressive rate plan. Recently, due to the electrification of energy used in homes and the growing adoption of electric vehicles, electricity consumption in apartment complexes has been gradually increasing. Given the characteristics of the progressive rate system, an increase in electricity usage results in a significant higher rise in electricity bills. Thus, an effective alternative is required to reduce electricity bills for each household. In this paper, the savings in electricity bills achieved by reducing household electricity usage are analyzed from both apartment complex and individual household perspectives, using metering data from 13,332 households. When households are sorted by the amount of savings in descending order, the resulting values are found to follow a negative exponential curve. This indicates that the benefits from reducing electricity usage in households with higher saving are significantly larger compared to other ones. We analyzed bill savings when electricity usage reductions were selectively applied to the top 10%, 20%, and 30% of households with the largest savings. From the results, it is found that the largest savings in electricity bills for households are achieved when usage reductions are applied to the top 10% of households. It is expected that this amount of savings would encourage these households to reduce their electricity consumption. Additionally, it is found that the savings for apartment complexes and the total savings for selected households are not the same, resulting in changes in the bills for households that do not reduce their usage. From the results, it was observed that when the usage reduction of selected households is small or the proportion of households reducing usage is low, the common area charges for non-reducing households tend to increase, leading to higher electricity bills. On the contrary, when the usage reduction of selected households is large or the proportion of households reducing usage is high, the common area charges for non-reducing households tend to decrease, resulting in lower electricity bills.

Gratitude despite unease among Swedish male forensic psychiatric patients with substance use disorders: an interview study

ABSTRACT Purpose Forensic psychiatric inpatient care in Sweden is characterized by strict regulations and adherence to court-mandated rules, with a median care time of 7 years. Comorbity has significant clinical implications, impacting health and well-being, violent behaviour and criminal recidivism, and prolonging inpatient stays. This study investigated the individual experiences and perspectives of Swedish patients in forensic psychiatric care with substance use (SU) disorders, focusing on past, present and future orientations. Methods Ten male forensic psychiatric inpatients were individually interviewed following a semi-structured interview guide. A qualitative content analysis was conducted to inductively analyse the participants’ experiences. The study adhered to the Standards for Reporting Qualitative Research. Results Under the main theme of “embracing harmony in opposition”, three categories emerged: (1) unveiling the beginning of SU and its impact on navigating challenges in care, (2) exploring current confined care and gratitude despite unease and (3) yearning for a somewhat normal life. Conclusions Participants’ subjective perspectives underscored the importance of factors such as forensic nurses/healthcare providers in forensic psychiatry considering the patients’ life narratives, their aspirations for the future, their need for a secure environment and patient—staff relationships. These findings highlight the need for structural interventions that emphasize the importance of tailored and comprehensive health plans within rehabilitation.

Femme-bracing Neurodiversity: Applying Femme Theory to the Experiences of Feminine Autistics

Abstract At the crossroads of femme theory and Autistic femininity lie the nuanced experiences of individuals whose identities challenge societal norms of both gender and neurodiversity. By delving into these intersections, this article seeks to illuminate the unique perspectives of Autistic individuals who, in some aspect, identify with femininity. Employing six core principles of femme theory—reclaiming femininity, valuing feminine knowledge and characteristics, intersectionality, agency and empowerment, visibility and inclusivity, and resistance to femmephobia and misogyny—, the authors analyze, through theory application, how these principles manifest in the lives of Autistic individuals. Using femme theory, this research identifies the nuanced ways Autistic individuals navigate societal expectations and stereotypes. The findings contribute to a more comprehensive understanding of the diverse spectrum of femininity, emphasizing the importance of recognizing and respecting the agency and experiences of Autistic individuals.

Using artificial intelligence to address mental health inequalities: co-creating machine learning algorithms with key stakeholders and citizen engagement

Purpose Artificial intelligence (AI) is poised to reshape mental health practices, policies and research in the coming decade. Simultaneously, mental health inequalities persist globally, imposing considerable costs on individuals, communities and economies. This study aims to investigate the impact of AI technologies on future citizenship for individuals with mental health challenges (MHCs). Design/methodology/approach This research used a community-based participatory approach, engaging peer researchers to explore the perspectives of adults with MHCs from a peer-led mental health organisation. This study evaluated potential threats and opportunities presented by AI technologies for future citizenship through a co-created film, depicting a news broadcast set in 2042. Data were gathered via semi-structured interviews and focus groups and were analysed using a reflexive thematic approach. Findings The analysis identified four key themes: Who holds the power? The divide, What it means to be human, and Having a voice. The findings indicate that adults with living experiences of MHCs are eager to influence the development of AI technologies that affect their lives. Participants emphasised the importance of activism and co-production while expressing concerns about further marginalisation. Originality/value This study provides new insights into the intersection of AI, technology and citizenship, highlighting the critical need for inclusive practices in technological advancement. By incorporating the perspectives of individuals with living experiences, this study advocates for participatory approaches in shaping AI technologies in mental health. This includes the co-creation of machine learning algorithms and fostering citizen engagement to ensure that advancements are equitable and empowering for people with MHCs.

Disability Arts and Disability Aesthetics

Disability aesthetics has emerged in the modern/contemporary era as a critical approach that challenges traditional notions of beauty, wholeness, and normalcy in art. By centering the experiences and perspectives of disabled individuals, disability aesthetics seeks to subvert ableist assumptions and stereotypes, presenting disability as a natural part of human diversity. This paper aims to explore how disability aesthetics challenges ableism, expands our understanding of art and beauty, and brings about societal changes through a critical analysis of various examples of disability arts in the modern/contemporary era. However, this paper also acknowledges the potential pitfalls within the field of disability aesthetics. These include the risk of fetishization or exoticization of disability, and the need for a more intersectional analysis that considers how disability intersects with other marginalized identities. As disability aesthetics continues to evolve, it is crucial to address these challenges and work towards a more nuanced and inclusive understanding of disability representation in art. Given this, by critically examining both the strengths and limitations of disability aesthetics, this paper aims to contribute to the ongoing dialogue about representation, identity, and artistic expression in the context of disability. Ultimately, it underscores the importance of continual reflection and refinement within the field to ensure that disability aesthetics remains a powerful tool for social change and artistic innovation.

Communication competency for dental hygienists in Korea : a scoping review

Objectives: This study aimed to identify the literature and related factors used in communication competency scales for dental hygienists in Korea. Methods: A scoping review was conducted using a five-step method of setting research questions: searching for related studies; selecting literature; recording data; and comparing results, summarizing, and reporting. Results: Of the 19 studies selected, 15 were quantitative and four were qualitative. The most frequently used communication competency scale was the life skills measurement tool, and the related variables were, first, job satisfaction and, second, turnover intention, with most individual perspective studies. Communication positively affected job satisfaction and negatively affected turnover intention. Conclusions: Communication competency of dental hygienists was an important job-related factor; however, the comunication competency scale was insufficient. Therefore, the development of a patient-centered dental hygienist communication competency scale is suggested.

Declining interest in afforestation under the common agricultural policy. Evidence from Poland and Lithuania

Land afforestation is an important aspect of forested land development. Increasing the area of forest areas through the reforestation of uncultivated, abandoned or agriculturally unsuitable land is considered an important way to diversify economic activities in order to reduce dependence on agricultural activities and improve environmental conditions in rural areas. The main objective of the study is to identify the factors affecting the afforestation of agricultural land carried out in the years 2004–2020 by farmers under the individual financial perspectives of the Rural Development Programme (RDP) in Poland and Lithuania. The study included a review of Polish and Lithuanian regulations aimed at providing financial support for afforestation under the RDP. Moreover, a comparative analysis of the rules and criteria for financial support for afforestation in relation to selected socio-economic indicators of the two countries was carried out. Based on the study results, it can be clearly stated that in both Poland and Lithuania, the support for afforestation under the RDP fails to meet the beneficiaries’ expectations. It would, therefore, be advisable to adapt the Programme to the changing economic conditions and keep the afforested land under the RDP under technical supervision. Support for afforestation should be continued to ensure the improvement in land use and the enhancement of the prospects for long-term economic activity in rural areas as well as to implement the assumptions of the green economy.

Barriers and Facilitators to Implementing Restorative Justice in Nebraska

ABSTRACTAlthough the codification of restorative justice processes has increased in the United States, the implementation of these processes has been limited and piecemeal. This article considers barriers and facilitators of implementing restorative justice programs in the context of juvenile justice, from the perspective of individuals tasked with implementation in Nebraska—a state with a robust community mediation system providing restorative justice processes. We interviewed 11 persons currently or formerly employed by community mediation centers in Nebraska in positions coordinating restorative justice programs. Interviewees represented all six Nebraska mediation centers. Using thematic analysis, we identified themes for both barriers and facilitators for implementing restorative justice programs throughout the state. The barriers to implementing restorative justice reflected six distinct, but sometimes overlapping, themes: awareness of restorative justice; attitudes about restorative justice; lack of necessary resources; process issues; lack of trust in “the system” or centers; and policy barriers. The analysis also identified eight distinct themes associated with facilitators of restorative justice: support from a “champion”; outreach efforts; trust and relationship building; demonstrating that restorative justice is effective; collaboration; maintaining necessary funding; local community‐driven implementation; and state government‐driven implementation. We consider the implications of these findings for the implementation of restorative justice processes in Nebraska and beyond.

Factors predicting a decrease in suicidality among young people (0-28 years old)

Abstract Background Suicide, self-harm and suicidal thoughts (i.e., suicidality) are important public health concerns. Most youth that experience suicidality find a way to overcome these affronts. Preventative public health measures require an understanding of factors that can help youth overcome their suicidality. Methods Data come from a Dutch prospective birth-cohort study that surveyed youth from age 11 to 28 (measurements 2-3 years apart). We determined the proportion of youth that experienced suicidality across seven waves and focused on changes in suicidality, and factors associated with changes in suicidality using linear discriminant analysis. We examined a mix of individual, family, peer and socio-cultural factors in line with an ecological framework, e.g. the Interpersonal Theory of Suicide. Results Between 4-8% of youth experienced suicidal thoughts and between 2-5% experienced self-harm across time points. Most youth (89%-94% across time points) did not experience changes in suicidality, while between 3-6% experienced a decline of suicidal thoughts and between 2-4% a decline in self-harm across time points. Discriminant analyses could correctly identify ≈90% of subgroup per case (decline, increase, stable suicidality). But, the model was not very accurate in predicting which youth belonged to the declining suicidality subgroup. Functions with best predictive ability indicated the importance of interpersonal factors; belonging to peers, parents, classmates, teachers and religion. Also, overall happiness and positive changes in romantic relationships and family had predictive value. Conclusions It remains difficult to distinguish youth who experience a decrease in suicidality. Interpersonal factors may play a role in changes in suicidality, but we need to identify new factors related to declines in suicidality. Future prospective birth-cohort study should consider including factors that may be better predictors of decreases in suicidality and mental health in general. Key messages • Factors that contribute to decreases in suicidality will enrich suicide prevention strategies, which have until thusfar mostly been informed by a risk perspective. • Interpersonal factors might play an important role in changes in suicidality among youth, which indicates we need an ecological perspective on suicidality rather than an individual perspective.

Perspectives on intersectoral collaboration and citizen participation in community-based prevention

Abstract Background Challenges in healthcare, such as rising healthcare costs, shortages of healthcare staff, and health disparities, have made many countries focus on intersectoral collaboration (IC) and citizen participation (CP) in community-based prevention (CBP) and health promotion (HP). Previous research on IC and CP has addressed the importance of exchanging perspectives to arrive at a shared vision and ambition. Our study is part of a long-term action research project conducted in two neighborhoods in the Netherlands. It aims to provide insight into stakeholders’ perspectives on IC and CP in CBP and HP to facilitate building partnerships. Methods Data collection takes place from March to June 2024. As part of a Q-study, we perform post-sort interviews. The Q-methodology is based on sorting statements concerning various aspects of IC and CP in CBP and HP (e.g., roles and tasks, involvement of citizens, communication, perceived barriers, etc.). We aim to include 40-50 participants from the aforementioned neighborhoods with diverse backgrounds. Participants sort 40 statements (Q-set) into a fixed-scaled framework ranging from -4 (disagree) to + 4 (agree). The interview is about individual sorting and perspectives on their own role within the collaboration. Results So far, the results of 10 participants with backgrounds in health care, social work, sports, local authority, volunteer work, and public health have been analyzed.Preliminary data synthesis shows six themes concerning shared purpose, collaboration partners, social collaboration competencies, personal motivation, conditions, and collaboration organization. Conclusions The preliminary themes overlap with findings from previous research. We will adapt existing models to reflect on our findings and enrich the literature with new themes or insights in the specific context. The interviews will help interpret the Q-sorts and develop follow-up actions in the action research projects in the participating neighborhoods. Key messages • Insights in stakeholders’ perspectives are valuable for building local collaborative partnerships. • Shared purpose, collaboration partners, social collaboration competencies, personal motivation, conditions, and collaboration organization are themes of interest to intersectoral collaboration.

A Conceptual Model for Health Impact Assessment of Personalized Prevention Policies

Abstract Background Personalized prevention and pharmacogenomics are emerging fields in global health, promoting tailored approaches to disease prevention and individualized drug therapy, based on the individuals’ genetic profile. However, adoption of these technologies in public health is challenged by the possibility of health disparities. Health Impact Assessment (HIA) is a useful tool to address this issue, by examining how policies differentially impact population groups, guiding stakeholders to more equitable and inclusive outcomes. Solid frameworks for assessing health impacts are needed to avoid heterogeneity when accounting for equity outcomes in HIA. This study tested a conceptual model for HIA in personalized medicine, using a case study in pharmacogenetics to map potential impacts and outcomes, with a focus on health equity. Methods A conceptual model for a HIA was developed to map expected impacts and outcomes of a health policy, aimed at enforcing DPYD genotype-guided dosing to prevent fluoropyrimidine toxicity in colorectal cancer patients. The conceptual model was developed based on literature reviews and consultation with stakeholders. Identification of relevant impacts guided selection of indicators and quantitative impact assessment using a Markov chain model. Results Impact pathways were identified using a three-tiered reference framework encompassing individual and population perspectives, organizational factors, and overarching health system considerations. The final diagram outlined key outcomes in four categories: health, organizational, economic and equity. HIA projections using this model were obtained for the DPYD testing policy. Conclusions In the rise of personalized medicine and pharmacogenomics, health inequalities challenges need to be addressed before implementation in healthcare. This study provided a novel HIA conceptual model for personalized prevention policies based on genomic information, with an emphasis on equity. Key messages • HIA is an adequate tool to evaluate potential health inequalities resulting from personalized medicine policies in healthcare. • This study provides a validated framework for HIA of personalized prevention policies grounded in genomic data.

Impact of COVID-19 measures on psychosocial outcomes in Austria – a qualitative vignette study

Abstract During the COVID-19 pandemic, Austria implemented frequent and restrictive containment measures. We aimed to explore the perspectives of individuals affected by political and epidemiological decisions in Austria, particularly in Vienna and Lower Austria. A qualitative vignette-based study conducted from July to Oct 2023 utilized two hypothetical future pandemic scenarios to prompt in-depth discussions in semi-structured interviews with Austrian residents about their perspectives, either private or from the fields of healthcare, education, citizen representation, business, research, public health and politics. Interview data was analysed using a thematic analysis approach. To ensure results’ rigor and accuracy, we followed the COREQ guideline and included two citizen research partners. This project is funded by WWTF (Grant ID: LS22071). Preliminary thematic analysis from 28 interviewees (53.6% female) aged 19-77 (mean 53.0 years) shows that the negative effects of school closures was a major concern among participants. Despite diverging points of view on other topics, there was a broad consensus that school closures would have negative consequences, such as unstable educational modalities impairing young people’s individual development, decreasing psychosocial support in their peer groups, leading to long-term educational losses, not only for individuals but also for society as a whole, and having a negative impact on economic growth, social justice and innovation. The participants also described a lack of evidence for the necessity of the frequent school closures during the pandemic as had happened in Austria and suggested a different approach in a future pandemic. Further topics were the deterioration of mental health, incentives instead of mandatory measures, more transparent communication by authorities, agreement between experts and researchers, reducing uncertainties regarding pandemic management, compliance by the general public and democratic social cohesion. Key messages • Addressing the multi-faceted impact of a pandemic requires a comprehensive approach that considers mental health, social justice, communication and social cohesion alongside containment measures. • This work represents a learning from the COVID-19 pandemic. From the conclusions of this study, recommendations can be derived to be better equipped in future pandemics.

A comparative study of voice in Chinese English-major undergraduates’ timed and untimed argument writing

As a somewhat elusive and occlusive concept, voice can be a challenging and formidable hurdle for second language (L2) writers. One area that exemplifies this struggle is timed argument writing, where authors must position claims, ideas, and individual perspectives to an existing knowledge base and scholarly community under the confines of time. To enrich our understandings of voice construction in L2 English writers’ timed writing, we explored how 41 Chinese English-major undergraduates deployed authorial voice in two prompt-based argument writing tasks (timed versus untimed). We also sampled their self-reported knowledge, use, and understanding of voice through a survey-based instrument. To compare the quantity and quality of voice construction between the two samples, we measured 10 voice categories, three voice dimensions, and overall voice strength. Results showed that only two categories displayed statistically significant differences in terms of frequencies, but all three voice dimensions and overall voice strength scored significantly higher in untimed writing samples. Based on the results of our text analysis and survey, we further highlight the complexities of voice in L2 writing, provide evidence in support of existing voice rubrics, and make practical suggestions for teaching and assessing voice in writing.

Analysis of factors influencing banks' profitability using panel data models

The banking sector, as one of the fundamental pillars of the financial industry, being in a healthy condition is of paramount importance not only from an individual perspective but also for firms and governmental administrations. Banks support sustainable economic conditions in all economies by facilitating investments and channeling idle funds into the economy. In this study, the analysis of micro and macro-level variables affecting the return on assets and return on equity of 24 banks operating in the Turkish banking sector from 2016 to 2023 has been investigated using panel data models. According to the results obtained from the analysis, it was found that there is a positive and significant relationship between return on assets and capital adequacy ratio, a negative and significant relationship with non-performing loans, a positive and significant relationship with BIST100 (Borsa Istanbul 100 Index), and a negative and significant relationship with bond yields. Additionally, a negative and significant relationship was found between return on equity and non-performing loans, and a positive and significant relationship with the BIST100 index.

Personal Bankruptcy Prediction Using Logistic Regression Model

According to the Insolvency Department of Malaysia, as of December 2023, 233,483 Malaysians are currently involved in bankruptcy cases due to their defaults on hire purchase loans, credit card loans, personal loans, housing loans, and business loans. This is indeed a critical issue because the growing number of personal bankruptcy cases will hurt the Malaysian economy as well as society. From an individual's economic perspective, bankruptcy minimizes their chances of getting a job. Apart from that, their accounts will be frozen, they will lose control of their properties and assets, and they will not be allowed to start any business or be a part of any company's Board of Directors. Bankrupts also will be rejected from any loan application. This paper examines this problem by developing a personal bankruptcy prediction model using the logistic regression technique. This paper defines "bankrupt" as terminated members who failed to settle their loans. The sample comprised 24,546 cases with 17% settled cases and 83% terminated cases. The data included a dependent variable, i.e., bankruptcy status (Y=1(bankrupt), Y=0(non-bankrupt)), and 12 predictors. Upon completion, this paper succeeds in coming out with a reliable personal bankruptcy prediction model and significant variables of personal bankruptcy. The findings of this paper are very beneficial and significant to creditors, banks, the Malaysia Department of Insolvency, potential borrowers, members of AKPK, and society in general in raising awareness of personal bankruptcy risks and such information may help them to take preventive measures in minimizing the number of personal bankruptcy cases.