Expertise: International Expertise
Dr. Hira (middle) has been the invited keynote speaker at conferences for consumer finance educators in the Pacific Rim.
Dr. Hira has extensive teaching, research, and policy expertise at the international level. She has taught in many countries including Canada, Japan, Malaysia, New Zealand, Scotland and the United Arab Emirates. Her international bankruptcy research has had an impact on bankruptcy policies in Canada and Japan. Dr. Hira created family economics curriculums for institutions in the United Arab Emirates, research and training programs in Malaysia, and developed financial counseling centers and counselor training programs in Japan.
Dr. Hira’s work has been cited in the international media, including Nippon Deizai Shinbu and The Otago Daily Times, New Zealand.
Honors and Awards
International
| 1990 | Research Excellence Award of Japan Society of Household Economics. |
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| 1989 | Certification of Recognition as a resource person for a one-week professional development training workshop by Consumer Corporate Affairs, Canada Office of the Superintendent of Bankruptcy. |
| 1972 | Fulbright-Hays Scholarship. |
| 1963 | Government of Pakistan National Merit Scholarship. |
College and University
| 1998 | Iowa State University Wilton Park International Service Award. |
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| 1997 | Iowa State University Foreign Travel Grant. |
| 1996 | Iowa State University Foreign Travel Grant. |
| 1994 | Iowa State University College of Family and Consumer Sciences International Achievement Award. |
Research Grants
Extramural
An international survey of causes and effects of consumer bankruptcy, Labor Saving Banks’ Association, Japan, $124,000; Importance of family financial counseling in today’s credit society, Federal Government of Canada, Summer Youth Employment Grant for the preparation of sound-slide presentation, $10,000.
Publications
Refereed Journals
| 2010 | Rock, Whitney, Tahira K. Hira, and Cäzilia Loibl. The Use of the Internet as a Source of Information by the United States Households. The International Journal of Management (accepted for publication). |
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| 2009 | Hira, Tahira K., Whitney Rock, and Cäzilia Loibl. Determinants of Retirement Planning Behavior and Differences by Age. International Journal of Consumer Studies 33 (2009): 293–301. |
| 2005 | Hira, Tahira K., and Cäzilia Loibl. A gender perspective on the use of supplemental health care plans. International Journal of Consumer Studies 29(4):319–31. |
| 1989 | Hira, T. K., and S. Nagashima. Satisfaction with selected aspects of household finances among Japanese. Journal of the Japan Society of Household Economics 5:179–92. |
| 1987 | Hira, T. K. Households’ financial management factors influencing solvency and satisfaction. Journal of the Japan Society of Household Economics 10(3):199–207. |
| 1983 | Hira, T. K. Is Canadian bankruptcy law in accord with present economic situation? Canadian Home Economics Journal 33(4):206–8. |
| 1982 | Hira, T. K. Socioeconomic characteristics of families in bankruptcy. Canadian Home Economics Journal 32(1):26–34. |
Books and Chapters in Books
| 1996 | Hira, T. K., and A. Swift. Application of a resource management model to improve family financial well-being. In L. Engberg, J. Varjonen, and H. Steinmuller (Eds.), Family Resource Management Issues (pp. 109–13) International Federation of Home Economics (IFHE): Family Resource Management Committee. |
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| 1993 | Hira, T. K. Determinants of effects of bankruptcy and satisfaction with bankruptcy (a solution to credit problems): An international comparison. In R. von Schweitzer (Ed.), Cross-Cultural Approaches to Home Management 18 (pp. 177–211). Campus Verlag, Frankfurt Main, Giessen, Germany: Reihe Stiftung der Private Haushalt. |
| 1989 | Hira, T. K. Causes and effects of consumer bankruptcies. In International Comparative Research Studies: Consumer Bankruptcies. Tokyo, Japan: Research Institute of Labor Banks. |
| 1988 | Nagashima, S., T. K. Hira, S. Shirai, and Y. Otsuka. Life planning and family financial management. In Dr. Mitsuaki Imai (Ed.), Analysis of Current Conditions: Issues and Problems in Consumer Education (pp. 73–94). Tokyo, Japan: Japan Academy of Consumer Education. |
| 1985 | Hira, T. K. Impact of family financial management practice on household’s solvency status. In Ujie and Matsuda (Eds.), The Age of Home Economics. Tokyo, Japan: Institute of Human Ecology. |
Papers in Refereed Proceedings
| 2007 | Loibl, Cäzilia, and Tahira K. Hira. A typology of individual search strategies among high-income investors in the United States: An exploratory study. Proceedings of the European Conference of the Association for Consumer Research. Date of submission: December 18, 2006. Milan, Italy, July 10–14. |
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| 2007 | Hira, Tahira K., and Cäzilia Loibl. How different cultures approach investing. Research paper, Proceedings of the AAFCS Annual Conference. Date of submission: December 1, 2006; paper accepted: January 2; presented by Tahira Hira at the Summit Day on America’s Cultural Kaleidoscope: Challenges and Opportunities: June 22 (peer reviewed). Reno, Nevada, June 21–24. |
| 2006 | Hira, Tahira K., and Cäzilia Loibl. Gender differences in the attitudes and beliefs toward financial advisors. Research paper, Proceedings of the 2006 IFHE Council Meeting. Date of submission: May 15; date accepted: June 2; presented by Tahira Hira: July 17 (peer reviewed). Cape Town, South Africa. |
| 2004 | Hira, Tahira K. Bridging the divide in changing societies: The potential of and challenges for home economics from a Northern perspective. Invited paper, Proceedings of the International Federation of Home Economics: The 20th World Congress (pp. 19–31). Science Council of Japan and the Japanese Society of Home Economics, Kyoto, Japan, August 1–7. |
| 1988 | Hira, T. K. Money management practices and satisfaction with various aspects of households’ finances among Japanese. In William C. Bailey (Ed.), Families and Finances: Agenda for the Future (pp. 29–43). Association for Financial Planning and Counseling Education, Lubbock, Texas. |
Non-Refereed Papers—Proceedings and Other
| 2005 | Hira, T. K. Empowering families and strengthening communities through home economics education. In Proceedings of the First International Conference of Home Economics (pp. 204–11). Government College of Home Economics, Lahore, Pakistan, March 14–16. |
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| 1995 | Hira, T. K. Credit counseling for insolvent debtor: Implications for debtors and creditors. In Credit Age. March 10–11, Japan Consumer Finance Association, Osaka, Japan. |
| 1995 | Hira, T. K. Determinants of saving behavior of American consumers. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan. |
| 1995 | Hira, T. K. The credit problems of the US consumers and role of financial counseling. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan. |
Technical and Research Reports
Published Book Reviews
| 1989 | Hira, T. K. Causes and effects of consumer bankruptcies—An international comparison: United States, Canada, Scotland, and Japan. Prepared for Rodo-Kinko Kyokai, Labor Bank Association, Tokyo, Japan. |
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| 1987 | Hira, T. K. Analysis of debt structure of Scottish families: 1984–1987. Prepared for the Scottish Association of Citizens Advice Bureau, Edinburgh, Scotland, UK. |
| 1979 | Hira, T. K. A study of the small debtor program in Manitoba: 1973–1977. Prepared for Consumer and Corporate Affairs, Office of the Superintendent of Bankruptcy, Manitoba, Canada. |
| 1979 | Hira, T. K. Review of Social Psychological Representation in Television Advertising, by T. E. Shrimp. Canadian Home Economics Journal (Fall): 206. |
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Other Professional Activities
Reviewer Service
International Journal of Consumer Studies, North Atlantic Treaty Organization (NATO), Scientific and Environmental Affairs Division—Collaborative Research Grant. Thematic issue focused on Asian households for the Journal of Family and Economic Issues, Research Council of Canada, Ottawa, Canada.
Consulting
Foundation of Zayad Women’s University, United Arab Emirates, Development of family economics curriculum for Family and Consumer Sciences College, Dubai, UAE; Citicorp: Credit Card Services, Understanding and communicating with the overextended card member to prevent delinquencies and bankruptcies; College of Human Ecology, University of Putra Malaysia, Development of research and teaching program in family financial planning (summer), Kuala Lumpur, Malaysia; Citibank Recovery Unit, A move from debt collector to financial advisor; Citibank Credit Department, Understanding predictors of consumer delinquencies and consumer bankruptcies; Department of Resource Management and Consumer Studies, Universiti Pertanian Malaysia, Development of undergraduate financial management curriculum, Kuala Lumpur, Malaysia; Japan Consumer Finance Association, Development of financial counseling centers and training of financial Counselors, Tokyo and Osaka, Japan; Consumer and Corporate Affairs Canada, Bankruptcy Branch, Development of proposal for major policy change in bankruptcy procedures, Toronto, Ottawa, Canada.
Reviewer for Research Papers at Regional and National Conferences
Eastern Family Economics and Resource Management Association’s annual conference (juried paper).
Participation in Academic Program Review
The Department of Applied Sciences, University of Otago, Dunedin, New Zealand.
Invited Presentations to Professional Organization/Groups
International Presentations
| 2008 | Hira, T. K. Home economics as a foundation for human capital development (keynote). National Institute of Educations (NIE) and Association of Home Economics Singapore (AHES) Symposium, March 7. |
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| 2006 | Hira, T. K. Impact of workplace financial education on career satisfaction and employee loyalty. Financial Forum II, Canadian Home Economics Education, Vancouver, BC, Canada, December 8–10. |
| 2006 | Hira, T. K. The changing agenda for home economics: Cultivating flexible, sustainable practices in the face of globalization (keynote). International Home Economics Congress, Ankara, Turkey, March 22–24. |
| 2005 | Hira, T. K. Empowering families and strengthening communities through home economics education (keynote). First International Conference of Home Economics, Lahore, Pakistan, March 14. |
| 2004 | Hira, T. K. Barriers—bridging the divides among the societies: The potentials of and challenges for home economics (keynote). International Federation of Home Economic Congress, Kyoto, Japan, August 3. |
| 2003 | Hira, T. K. Importance of financial literacy in the current technology and information environment. Japan Consumer Finance Association (JCFA) Consumer Finance Symposium, Osaka/Tokyo, Japan, October. |
| 2003 | Hira, T. K. Challenges facing the debt counseling industry in America and global implications. Japan Consumer Finance Association (JCFA) Financial Counseling Workshop, Tokyo, Japan, October. |
| 2003 | Hira, T. K. Critical elements of financial education for high school students. Consumer Education Association of Tokyo, Tokyo, Japan, October. |
| 2003 | Hira, T. K. Impact of the proposed U.S. consumer bankruptcy legislation on credit counseling and financial education of the American consumer (keynote). Annual Conference of the Academy of Consumer Finance and Services, Sapporo, Japan, November. |
| 2003 | Hira, T. K. Impact of regulations on the availability and cost of financial products and services (panel member). Annual Conference of the Academy of Consumer Finance and Services, Sapporo, Japan, November. |
| 2001 | Hira, T. K. Financial planning: A new approach to curriculum in family economics and management (one-week seminar). University of Putra, Kuala Lumpur, Malaysia. |
| 2000 | Hira, T. K. Financial planning education: A requirement for consumers in the 21st century (keynote). Japan Association of Consumer Education, Nagoya, Japan. |
| 1999 | Hira, T. K. The nature of a fresh start and the role of financial education in granting discharge to Chapter 7 debtors. INSOL International Conference of the Americas, Bermuda. |
| 1998 | Hira, T. K. Importance of financial management education as part of family resource management in developing economies. College of Home Economics, Lahore, Pakistan. |
| 1997 | Hira, T. K. Credit culture and the need for money management education. University of Putra, Kuala Lumpur, Malaysia. |
| 1996 | Hira, T. K. Application of family resource management model to improve family financial well-being. International Federation of Home Economics Congress, Bangkok, Thailand. |
| 1995 | Hira, T. K. Credit counseling model: Implications for the industry. Consumer Finance Association Conference, Osaka, Japan. |
| 1995 | Hira, T. K. Consumer credit issues and the role of money management education and credit counseling (keynote). Japan-American Consumer Education Conference, Tokyo, Japan. |
| 1995 | Hira, T. K. Factors influencing saving behavior of American households. Japan-American Consumer Education Conference, Tokyo, Japan. |
| 1994 | Hira, T. K. Underlying causes of family financial problems and development of appropriate financial counseling techniques. Otago Budget Advisory Services district meeting, Dunedin, New Zealand. |
| 1994 | Hira, T. K. Changing family structure and the economic well-being of New Zealand families (keynote). New Zealand Federation of Family Budgeting Services, Wellington, New Zealand. |
| 1994 | Hira, T. K. Why we must develop formal educational courses in financial planning. Rotary International, Dunedin, New Zealand. |
| 1994 | Hira, T. K. Status of financial planning profession and professionals in the U.S.A: Implications for institutions of higher education. Investment Portfolio Design and Securities Limited, Auckland, New Zealand. |
| 1994 | Hira, T. K. Consumer debt and consumer bankruptcy in the U.S.A.: The need for money management education and financial counseling. Association of Home Science Alumnae of New Zealand, Inc., Dunedin, New Zealand. |
| 1992 | Hira, T. K. International comparison of consumer bankruptcy and consumer debt (keynote). Annual meeting of National Conference of Bankruptcy Clerks (NCBC), Acapulco, Mexico. |
| 1990 | Hira, T. K. Risk management practices and their impact on household’s satisfaction with financial status. Nara Women’s University, Department of Consumer Economics and Resource Management, Nara, Japan. |
| 1990 | Hira, T. K. Differences in options available to consumers defaulting on their credit obligations: Comparison among U.S.A., Canada, Japan, and Scotland. International Credit Conference, Quebec City, Quebec, Canada. |
| 1989 | Hira, T. K. Analysis of debt structure among bankruptcies: An international comparison. The West London University, London, England. |
| 1989 | Hira, T. K. Relationship between consumer bankruptcies and family poverty in Scotland. Citizens Advice Scotland Jubilee National Conference on Poverty, Glasgow, Scotland. |
| 1989 | Hira, T. K. Determinants of household assets management among Japanese: A systems approach. National Taiwan Normal University, Taipei, Taiwan. |
| 1989 | Hira, T. K. Invited to be the resource leader in the professional development program for official receivers of the bankruptcy branch. Conducted by Superintendent of Bankruptcy, Consumer, and Corporate Affairs Canada, Halifax, Canada. |
| 1987 | Hira, T. K. Credit unions and their role in financial counseling in the United States. Annual meeting of North Edinburgh Credit Union, Edinburgh, Scotland. |
| 1987 | Hira, T. K. Assessment and evaluation of family financial management curriculum for home economics educators. Manchester Polytechnic Institute, Department of Home Economics, Manchester, England. |
| 1987 | Hira, T. K. Consumer credit problems affecting U.S. families. Jubilee Centre for Family Research, Cambridge, England. |
| 1987 | Hira, T. K. Role of education to alleviate family financial problems. Institute of Home Economics, Scottish Branch, Queen’s College, Glasgow, Scotland. |
| 1987 | Hira, T. K. Factors contributing to family financial problems. Institute of Home Economics, Scottish Branch, Queen’s College, Glasgow, Scotland. |
| 1986 | Hira, T. K. Impact of financial problems on family living and family financial management education. Hyogo University of Teacher Education, Japan. |
| 1986 | Hira, T. K. Household’s financial management practices influencing solvency and satisfaction (keynote). Japan Society of Household Economics, Osaka, Japan. |
| 1986 | Hira, T. K. Consumer bankruptcies in the U.S. and Canada: Causes and effects. Osaka Bar Association, Osaka, Japan. |
| 1986 | Hira, T. K. Factors influencing various aspects of household financial management. 8th International Home Economics Research Conference, Glasgow, Scotland. |
Juried Presentations at Professional Meetings—Regional, National, or International
| 2008 | Hira, T. K. Cultural differences in use of technology to access financial information and attitudes towards financial advisors. International Federation of Home Economics Congress, Lucerne, Switzerland, July 26–31. |
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| 1992 | Hira, T. K. Household resource management systems cross-cultural approach: An application to credit management by household. Household Resource Management International Research Symposium, Ebsdorfergrund, Germany. |
| 1992 | Hira, T. K., and S. Nagashima. Attitudes toward credit, lending, and borrowing practices affecting consumer bankruptcies: An international comparison. XXII International Federation of Home Economics (IFHE) Congress, Hanover, Germany. |
| 1989 | Hira, T. K. Changes in factors influencing consumer debt among Scottish families during 1984–1987. International Home Economics Research Conference, Middlesex Polytechnic Institute, Middlesex, England. |
| 1989 | Hira, T. K. Determinants of consumer debt problems among Scottish families. Poster session presented at the Annual Conference of American Home Economics Association, Cincinnati, Ohio. |
| 1988 | Hira, T. K. Money management practices and satisfaction with various aspects of household finances among Japanese. Annual meeting of Association for Financial Planning and Counseling Education, Lubbock, Texas. |
| 1988 | Hira, T. K. Determinants of asset management among Japanese households. XVI Congress of the International Federation of Home Economics, Minneapolis, Minnesota. |
| 1987 | Nagashima, S., and T. K. Hira. Family life planning: A management process. Japan Society of Consumer Education, Nagoya, Japan. |
| 1987 | Nagashima, S., and T. K. Hira. Credit management practices among Japanese households. Japan Society of Household Economics, Tokyo, Japan. |
| 1983 | Hira, T. K. Opinions of college students towards credit card use. Annual meeting of Canadian Home Economics Association, Saint John, New Brunswick, Canada. |
| 1982 | Hira, T. K., and G. Bivens. Occupational aspirations of Iowa farm parents for their older child. Canadian Home Economics Association Conference, Edmonton, Alberta, Canada. |
| 1981 | Hira, T. K., and G. Bivens. Consumer travel patterns in rural Iowa. Canadian Home Economics Association, Toronto, Ontario, Canada. |
