International Expertise

 

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Dr. Hira 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 curricula 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.
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.

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).
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.
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.
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.
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.
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.
  Hira, T. K. Review of Social Psychological Representation in Television Advertising, by T. E. Shrimp. Canadian Home Economics Journal (Fall): 206. 

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 organizations/groups

International presentations

2013 Hira, T. K. Home Economics Literacy: Investing in Our Future. Keynote address, 17th ARAHE Biennial International Congress, National Institute of Education, Singapore, July 14-19.
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.
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.
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.

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  • "Changes in lending practices, in the social and economic environment, and in the consumer culture compel us to give greater attention to financial education."

    Tahira Hira — keynote presentation at Japan Consumer Finance Association conference, Tokyo