1. Time-money segment differences in ideation and collaboration readiness in sustainable tourism educationDejan Križaj, 2026, original scientific article Abstract: This study examines whether tourism students’ self-reported time–money use patterns are related to their readiness to collaborate on idea development, and whether sustain- ability emerges spontaneously in their tourism innovation ideas. Using an anonymised dataset of open-ended questionnaire responses from Slovenian higher education tourism students (N = 597; 2019–2025), we applied deterministic rule-based coding to classify the presence of actionable ideas and sustainability framing, as well as collaboration readiness and conditions. Actionable ideas were common (53.4%), but sustainability framing was uncommon (7.5%). Most respondents were unconditionally willing to collaborate (69.3%), while 30.7% expressed conditional willingness or unwillingness. Time–money behavioural segments were significantly associated with collaboration reservations, whereas segment differences in ideation and sustainability framing were not significant. Among students expressing reservations, topic match and perceived team quality were the most frequently stated conditions. These findings indicate that sustainability-oriented tourism education should support both sustainability integration and low-risk collaboration through clear project briefs, topic-based matching, and team-process supports. The conclusions should be interpreted with reasonable caution as they are context-specific evidence based on self- reported, rule-coded responses, particularly for sustainability framing, where positive cases were rare. In this context, segmentation should be regarded as a diagnostic tool for course design rather than as a basis for labelling students.
Keywords: tourism education, sustainability, collaboration readiness, behavioural segmentation, time–money trade-offs, project-based learning, open-ended survey, clustering
Published in RUP: 04.05.2026; Views: 381; Downloads: 21
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2. Policy-induced welfare losses from limited decumulation options : the case of Slovenia’s DC pensionsDino Šterpin, Suzana Laporšek, Boštjan Vovk, 2026, original scientific article Abstract: This study examines restricted decumulation options for retirees with Defined Contribution (DC) in Slovenia and shows how these constraints create an implicit tax on accumulated assets. Using the Money’s Worth framework, we find that Slovenian annuities offer lower value than comparable products in advanced markets. We develop a utility-based model with loss aversion to quantify welfare losses across eight retiree types, differing in loss aversion, bequest motive, replacement rate, and time preference. Seven out of eight retiree types achieve higher utility under currently unavailable strategies. We introduce the Implicit Tax on DC Assets to capture the opportunity cost of restricted product availability.
Keywords: decumulation strategies, defined contribution pensions, loss-aversion utility, money’s-worth ratio, Slovenia, utility-equivalent wealth
Published in RUP: 20.04.2026; Views: 641; Downloads: 17
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