Co-Integration between Mortgage Markets in the Monetary Union: 1995–2008

This study provides evidence on the level of integration within the European Monetary Union mortgage markets between 1995 and 2008. The relationships between national mortgage markets are analyzed and an assessment is made of the extent to which these co-integrate with one another and with the average. In order to achieve this, mortgage interest rate series are studied using co-integration methodology. The process reveals that there are few relationships of this kind, and those that exist are most prevalent in the period 2000–2005 and, to a lesser extent, at the end of the period analyzed.mortgage market, European Monetary Union, integration, co-integration, rolling regression

Academic performance and use of virtual learning environments for students of a curse of accounting

En los últimos años se ha generalizado el uso de entornos virtuales de aprendizaje en el ámbito de la docencia universitaria. En el presente trabajo se presentan los resultados obtenidos de una encuesta realizada a 251 alumnos de la materia “Contabilidad financiera I” del Grado en Administración y Dirección de Empresas de la Universidad de Santiago de Compostela. En primer lugar se presenta la opinión de los estudiantes sobre la utilidad y las ventajas percibidas en la utilización de la plataforma virtual Blackboard y sobre su potencialidad como herramienta sustitutiva del sistema tradicional de clase presencial. Además, el estudio muestra que las variables satisfacción, frecuencia de uso y utilidad de la plataforma virtual no tienen influencia sobre la calificación final del alumno ni sobre su asistencia a clase, de manera que estas actividades complementan pero no reemplazan el aprendizaje presencial.In the last years the use of Virtual Learning Environments has been generalized in the university teaching. The present work shows the results of a survey of 251 students the subject "Financial Accounting I" of the degree in Business Management and Direction of the University of Santiago de Compostela. In the first place is presented the opinion of the students about the utility and advantages perceived in the use of the virtual campus and its potential as a replacement tool for traditional classroom system. Also, the study shows that the variables satisfaction, frequency of use and utility of the virtual classroom have influence neither on the final qualification of the students nor on its assistance to class, so that these activities complement but they do not replace face-to face learning

Are EHEA assessment systems really different from traditional ones? An empirical analysis of academic performance in an accounting subject

Este trabajo analiza los determinantes del rendimiento académico, medidos como la probabilidad de aprobar la asignatura o el examen final, a partir de las puntuaciones obtenidas en las distintas actividades de evaluación continua. Para ello se emplean los datos de una asignatura de contabilidad financiera y se cuantifican los factores determinantes del rendimiento del alumnado mediante modelos logit y probit. El ánimo es ver si el nuevo sistema de evaluación impuesto en el EEES aumenta el rendimiento del alumnado. Los resultados revelan que, en general, las notas de las actividades de evaluación continua son determinantes estadísticamente significativos del rendimiento, si bien su impacto varía en función del criterio analizado.The objective of this research is to explore the determinants of academic performance, measured as the probability of passing the course or the final exam, from the grades on the various ongoing evaluation activities. Specifically, this research uses data from a financial accounting course to identify and quantify determinants of student performance through logit and probit models. The focus is to see if the new evaluation system (European Higher Education Area, EHEA) increases student performance. The results show that, in general, the grades of continuous activities are statistically significant determinants of performance, although its impact varies depending on the criteria analyzed