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1

Madden, James D. "Personal Agency." American Catholic Philosophical Quarterly 84, no. 4 (2010): 817–19. http://dx.doi.org/10.5840/acpq201084457.

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2

Lowe, E. J. "Personal Agency." Royal Institute of Philosophy Supplement 53 (September 2003): 211–27. http://dx.doi.org/10.1017/s1358246100008341.

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Why does the problem of free will seem so intractable? I surmise that in large measure it does so because the free will debate, at least in its modern form, is conducted in terms of a mistaken approach to causality in general. At the heart of this approach is the assumption that all causation is fundamentally event causation. Of course, it is well-known that some philosophers of action want to invoke in addition an irreducible notion of agent causation, applicable only in the sphere of intelligent agency. But such a view is generally dismissed as incompatible with the naturalism that has now become orthodoxy amongst mainstream analytical philosophers of mind. What I want to argue is that substances, not events, are the primary relata of causal relations and that agent causation should properly be conceived of as a species of substance causation. I shall try to show that by thus reconceiving the nature of causation and of agency, the problem of free will can be made more tractable. I shall also argue for a contention that may seem even less plausible at first sight, namely, that such a view of agency is perfectly compatible with a volitionist theory of action.
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Brummert Lennings, Heidi Isabel, and Kay Bussey. "Personal agency in children." International Journal of Behavioral Development 41, no. 3 (March 1, 2016): 432–43. http://dx.doi.org/10.1177/0165025416635282.

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The aim of this study is to develop a multidimensional measure for assessing children’s personal agency to handle parental conflict through their coping self-efficacy beliefs (Bandura, 1997). Coping self-efficacy beliefs are individuals’ perceived ability to motivate themselves, access cognitive resources, and perform the actions required to take control of stressful situations. This study examines the psychometric properties and validation of the newly created Parental Conflict Coping Self-Efficacy Scale (PCC-SES). The study was based on 663 children, in grades 5 and 7 and their mothers. An exploratory factor analysis and confirmatory factor analysis through structural equation modeling supported the structure of the PCC-SES. The PCC-SES’s structure was facilitated by three global strategies, namely Proactive Behavior (problem solving and seeking social support), Avoiding Maladaptive Cognitions (avoiding preoccupation, avoiding self-blame and distancing) and Avoiding Maladaptive Behavior (avoiding aggression and avoiding overinvolvement).
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4

Covert, Hannah H. "Stories of Personal Agency." Journal of Studies in International Education 18, no. 2 (August 21, 2013): 162–79. http://dx.doi.org/10.1177/1028315313497590.

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Goldberg, Carl, and Virginia Crespo. "Suffering and Personal Agency." International Journal of Psychotherapy 8, no. 2 (July 1, 2003): 85–93. http://dx.doi.org/10.1080/13569080310001612734.

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6

Robb, John. "Agency. A personal view." Archaeological Dialogues 11, no. 2 (December 2004): 103–7. http://dx.doi.org/10.1017/s1380203805231501.

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It is always intriguing, and occasionally horrifying, to see what one has written refracted through another person's eyes. This is all the more so in academic writing, in which people often become identified with (or even fashion themselves into icons of) a given idea, and the act of refraction adds a political or positional hue. Meditating on this fact gives us a starting point for a brief exemplary consideration of agency.
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Pulman, C. G. "WHERE IS THE FREE AGENCY IN PERSONAL AGENCY?" Philosophical Quarterly 61, no. 244 (June 14, 2011): 630–32. http://dx.doi.org/10.1111/j.1467-9213.2011.705.x.

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8

Koutsogianni, Evangelia, Dimitrios Stavroulakis, Miltiadis Chalikias, and Alexandros Sahinidis. "Personal agency and entrepreneurial intentions among business students." Problems and Perspectives in Management 20, no. 3 (October 4, 2022): 604–16. http://dx.doi.org/10.21511/ppm.20(3).2022.47.

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Entrepreneurship literature refers to entrepreneurial activity as an agency and has established intention as the most critical antecedent of entrepreneurial behavior. The study investigates the relationship between personal agency and entrepreneurial intention using a sample of students considering their entry into employment. The study draws on an agency theory that incorporates actors’ temporal orientations. Since intention can be regarded as a possible manifestation of one’s agentic perceptions, introducing the notion of time in the study of intention would provide additional insight into the entrepreneurial intention process. A moderated mediation model was applied, and survey data of 537 business students attending a Greek public university were used. The findings indicated that students’ perceptions of agentic capacities stimulate their entrepreneurial intention. Specifically, emancipation, defined as one’s present judgment of having the capacity to construct courses of action in relation to career matters, explains further the development of self-reported intentions by affecting perceived behavioral control and individual attitudes; this variable has a more significant influence. The findings also indicated that future orientation, defined as one’s perceptions of having the capacity for long-term planning, influences the effect of emancipation on entrepreneurial intention by making positive attitudes toward entrepreneurship more salient. Acknowledgment This paper was financially supported by the Special Account for Research Grants, University of West Attica.
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9

Brown, Jason W. "PERSONAL AGENCY AND THE WORLD." Journal of Nervous and Mental Disease 191, no. 2 (February 2003): 69–72. http://dx.doi.org/10.1097/01.nmd.0000050934.17312.ef.

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10

McCarthy, John, Paul Sullivan, and Peter Wright. "Culture, personal experience and agency." British Journal of Social Psychology 45, no. 2 (June 2006): 421–39. http://dx.doi.org/10.1348/014466605x49140.

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11

Schechtman, Marya. "EXPERIENCE, AGENCY, AND PERSONAL IDENTITY." Social Philosophy and Policy 22, no. 2 (June 15, 2005): 1–24. http://dx.doi.org/10.1017/s0265052505052015.

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Psychologically based accounts of personal identity over time start from a view of persons as experiencing subjects. Derek Parfit argues that if such an account is to justify the importance we attach to identity it will need to provide a deep unity of consciousness throughout the life of a person, and no such unity is possible. In response, many philosophers have switched to a view of persons as essentially agents, arguing that the importance of identity depends upon agential unity rather than unity of consciousness. While this shift contributes significantly to the discussion, it does not offer a fully satisfying alternative. Unity of consciousness still seems required if identity is to be as important as we think it is. Views of identity based on agential unity do, however, point to a new understanding of unity of consciousness which meets Parfit's challenge, yielding an integrated view of identity which sees persons as both subjects and agents.
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BAKER, LYNNE RUDDER. "FIRST-PERSONAL ASPECTS OF AGENCY." Metaphilosophy 42, no. 1-2 (January 2011): 1–16. http://dx.doi.org/10.1111/j.1467-9973.2010.01677.x.

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13

Weber Guisan, Saskia. "Personal agency development through voluntary work." eucen Studies eJournal of University Lifelong Learning 02, no. 01 (December 21, 2018): 85–91. http://dx.doi.org/10.53807/02016v50.

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14

Maxfield, Jennifer, Jennifer Connor, and Kevin Doll. "Increasing Personal Agency Through Classical Mythology." Journal of Feminist Family Therapy 21, no. 3 (August 17, 2009): 216–23. http://dx.doi.org/10.1080/08952830903079086.

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15

Thoits, Peggy A. "Personal Agency in the Stress Process." Journal of Health and Social Behavior 47, no. 4 (December 2006): 309–23. http://dx.doi.org/10.1177/002214650604700401.

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16

Putte, D. Vande. "International atomic energy agency: Personal reflections." Annals of Nuclear Energy 25, no. 10 (June 1998): 791. http://dx.doi.org/10.1016/s0306-4549(97)00121-7.

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17

Jordan, Jennifer, and Bob Fennis. "Lower Personal Agency Fosters Immoral Behavior." Academy of Management Proceedings 2012, no. 1 (July 2012): 14074. http://dx.doi.org/10.5465/ambpp.2012.14074abstract.

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18

Gyr, Andreas. "Review: E. J. Lowe, Personal Agency." Metaphysica 10, no. 2 (July 21, 2009): 215–21. http://dx.doi.org/10.1007/s12133-009-0048-0.

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19

Anciaux, Nicolas, Célia Zolynski, Sébastien Chaudat, and Riad Ladjel. "Empowerment and ‘Big Personal Data’: From Portability to Personal Agency." Global Privacy Law Review 2, Issue 1 (February 1, 2021): 16–30. http://dx.doi.org/10.54648/gplr2021003.

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The place of individuals and the control of their data have emerged as central issues in the European data protection regulation. The 'empowerment' of the individual has notably resulted in the recognition of a new prerogative for the individual: the right to the portability of personal data. The corollary of this new right is the design and deployment of technical platforms, commonly known as Personal Cloud, Personal Server or PIMS, allowing the individual to consolidate all his or her data in a single system managed under his or her control. On the strength of these technical and legal innovations, several questions arise: what forms of empowerment are targeted in practice? What are the appropriate conditions to guarantee the objective pursued? At the crossroads of these questions, one dimension appears to be insufficiently exploited: that of 'agentivity'. This article transposes this notion from the social sciences to the management of personal data, and opens up a new reading of the empowerment measures of Big Data functionalities on personal data. Personal Data, Portability Right, GDPR, Data Governance Act, PIMS, PDMS, Personal Agency, Mutual Trust
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20

Nunes, Filipa, Paula Mena Matos, Tiago Ferreira, and Catarina Pinheiro Mota. "Romantic and parental attachment, psychosocial risk, and personal agency in emerging adulthood." Journal of Social and Personal Relationships 39, no. 3 (October 13, 2021): 549–69. http://dx.doi.org/10.1177/02654075211042317.

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This study focuses on emerging adults’ personal agency, an individual feature associated with enhanced adaptive and resilient developmental trajectories. The two objectives were to explore the role of demographic, psychosocial risk, and relational factors in predicting personal agency and analyze whether romantic attachment mediates the connection between parental attachment and personal agency. The sample consisted of 607 Portuguese emerging adults aged between 18 and 30 years. Structural equation modeling results suggest that men are more likely to exhibit higher levels of personal agency than women. Trustful romantic relations and good paternal emotional bonds are associated with greater personal agency, while dependent romantic relations and maternal relations, characterized by inhibition of exploration, are associated with lower personal agency. Moreover, in romantic relations, trust, unlike dependence, partially mediates the association between parental attachment and personal agency. These findings are discussed based on attachment and self-determination theories, considering the importance of secure relationships for agency and autonomy in personal actions. This study provides important evidence for the influencers and mediators of personal agency, contributing to a better understanding of this individual capacity.
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21

Bishop, David I., Robert W. Thomas, and Bradley M. Peper. "Levels of Personal Agency among Academic Majors." Psychological Reports 86, no. 1 (February 2000): 221–24. http://dx.doi.org/10.2466/pr0.2000.86.1.221.

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Action identification theory presented by Vallacher and Wegner characterizes individual differences in identification level in terms of a personality dimension known as “level of personal agency.” Levels of personal agency, as measured by the Behavior Identification Form, were examined in a sample of 237 college “seniors” representing eight academic majors. The mean levels of personal agency among individuals in several of these majors were significantly different.
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22

Lazareva, L. P. "RESILIENCY AS A CRITERION OF PERSONAL AGENCY." Humanities And Social Studies In The Far East 17, no. 4 (2020): 31–39. http://dx.doi.org/10.31079/1992-2868-2020-17-4-31-39.

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The author of the article proceeds from the position that the criterion of subjectivity is the resiliency of a person, which means his ability of his personal potential in any conditions of society. The article explores the complex nature of a person's resiliency in the aspect of the development of its subjectivity, which combines an immanent predisposition and the effectiveness of social influence on the process of personal development, resulting in a qualitative level of resiliency.
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23

Koytek, Philipp, Charles Perin, Jo Vermeulen, Elisabeth Andre, and Sheelagh Carpendale. "MyBrush: Brushing and Linking with Personal Agency." IEEE Transactions on Visualization and Computer Graphics 24, no. 1 (January 2018): 605–15. http://dx.doi.org/10.1109/tvcg.2017.2743859.

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24

Tomm, Karl. "Externalizing the Problem and Internalizing Personal Agency." Journal of Strategic and Systemic Therapies 8, no. 1 (March 1989): 54–59. http://dx.doi.org/10.1521/jsst.1989.8.1.54.

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25

Tomm, Karl. "Externalizing the Problem and Internalizing Personal Agency." Journal of Systemic Therapies 38, no. 3 (September 2019): 43–49. http://dx.doi.org/10.1521/jsyt.2019.38.3.43.

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26

Morgan, David L. "Automaticity and the myth of personal agency." American Psychologist 55, no. 7 (2000): 764–65. http://dx.doi.org/10.1037/0003-066x.55.7.764.

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27

Rubenfeld, Sy. "Encouraging Personal Agency in Analytic Group Therapy." Group Analysis 36, no. 3 (September 2003): 391–406. http://dx.doi.org/10.1177/05333164030363012.

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Analytic thought and also group-analytic writers understate or do not comprehend the centrality of human purposiveness. A theory of personal agency in terms of analytic goup therapy is offered to contrast with a prevailing idea that a thinking, feeling, evaluating self oversees reactions. Clinical examples emphasize the usefulness of mobilizing patients' intentions. An example of an active group therapist role is offered that seeks to mobilize members' willingness to explore their enactments of problems in the group. I discuss the rationale and methods involved in this method in terms of my clinical experience and conclusions in line with the theory set forward in the paper.
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28

WRIGHT, SHARON. "Welfare-to-work, Agency and Personal Responsibility." Journal of Social Policy 41, no. 2 (January 25, 2012): 309–28. http://dx.doi.org/10.1017/s0047279411001000.

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AbstractA strong international reform agenda has been established around the idea that benefit recipients must be ‘activated’ to find jobs. This approach, which has found support across the political spectrum in times of affluence and austerity, rests on previously contested assumptions about human motivation, choice, action and personal responsibility. This article considers the largely untested assumptions within UK welfare-to-work policies and marketised employment services, which are designed to control and modify behaviour through compulsion and incentives. It examines those assumptions in relation to conceptualisations of human agency drawn from social policy literature. A gap is identified between accounts of agency grounded in the lived experiences of social actors (policy-makers, front-line workers and service users) and hypothetical models of individual agency (e.g. ‘rational economic man’) which have been more influential in policy design. It is argued that scope exists for understandings of agency to encompass the motivations, intentions and actions ofallsocial actors involved in the policy process. This highlights the power dynamics of context creation, the universal potential for malevolence and the weight of moral significance. Conceptual and empirical insights point towards understanding the enactment of agency as relational, dynamic, differentiated, interconnected, interdependent, intersubjective and interactive.
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29

March, Karen. "Motherhood, Personal Agency and Breaching Family Norms." Sex Roles 60, no. 3-4 (August 5, 2008): 295–97. http://dx.doi.org/10.1007/s11199-008-9467-6.

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30

Dean, Wesley R., Joseph R. Sharkey, and Cassandra M. Johnson. "The Possibilities and Limits of Personal Agency." Food, Culture & Society 19, no. 1 (January 2, 2016): 129–49. http://dx.doi.org/10.1080/15528014.2016.1145006.

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31

Ward, Dave. "Personal Identity, Agency and the Multiplicity Thesis." Minds and Machines 21, no. 4 (August 26, 2011): 497–515. http://dx.doi.org/10.1007/s11023-011-9256-9.

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32

Contractor, Sunil H., and Piyush Kumar. "The Effects of Personal Agency on Regret." Journal of Behavioral Decision Making 26, no. 3 (July 4, 2012): 304–15. http://dx.doi.org/10.1002/bdm.1760.

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33

Shafira, Nabilla Elya, Nurudin Santoso, and Ely Setyo Astuti. "SISTEM APLIKASIMONITORING PEMBENTUKAN KARAKTER PERSONAL DI STAR MODEL AGENCY." Jurnal Informatika Polinema 1, no. 3 (March 21, 2017): 34. http://dx.doi.org/10.33795/jip.v1i3.111.

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Sistem Aplikasi Monitoring Pembentukan Karakter Personal di STAR Model Agency memberikan informasi mengenai data para model diSTAR Model Agency. Selain itu juga sistem ini memberikan informasi mengenai monitoring pembentukan karakter personal model dengan metode monitoring. Sistem aplikasi ini berbasis web dan hanya bisa diakses oleh pihak dalam agency saja. Fasilitas yang ada dalam agency ini antara lain, data model, data pengajar, data client, nilai model sebelum treatment, nilai model setelah treatment, statistika penilaian model, dan laporan data model yang diberikan ke client. Tujuan utama dari pembuatan sistem aplikasi ini adalah untuk memudahkan pihak manajemen agency dalam memilih dan memonitor model yang akan diberikan kepada client agar kualitas model yang diberikan sesuai dengan kategori yang diinginkan. Dengan adanya sistem ini, pekerjaan management dalam pemilihan model untuk client bisa lebih akurat dan efisien.
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34

Lukashenko, Dmitriy V. "Personal Agency in Defense and Law Enforcement Agencies." Criminal-Executory System: law, economics, management 2 (February 20, 2019): 38–40. http://dx.doi.org/10.18572/2072-4438-2019-2-38-40.

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35

Alford, Stephen C., and David A. Stangeland. "Personal taxation, corporate agency costs and firm performance." Corporate Ownership and Control 3, no. 1 (2005): 150–62. http://dx.doi.org/10.22495/cocv3i1c1p4.

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This paper investigates the effect of personal-tax progressivity on management performance and agency costs by examining measures of corporate operating efficiency. We study a sample of US-based manufacturing and service firms and variations in a cross-state tax policy. Using matched-pair testing and regression analysis, we find evidence consistent with the hypothesis that increased personal-tax progressivity negatively impacts management productivity and is manifested in reduced firm efficiency. We control for several other factors that the literature suggests is relevant to firm operating efficiency and find that our results are robust
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36

Fishbach, Ayelet. "Personal Agency and Social Support: Substitutes of Complements?" Psychological Inquiry 33, no. 1 (January 2, 2022): 42–45. http://dx.doi.org/10.1080/1047840x.2022.2037999.

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37

Taber, Merlin A., and Louis V. DiBello. "The Personal Computer and the Small Social Agency." Computers in Human Services 6, no. 1-3 (April 27, 1990): 181–97. http://dx.doi.org/10.1300/j407v06n01_15.

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38

Blow, Adrian, and Fred P. Piercy. "Teaching Personal Agency in Family Therapy Training Programs." Journal of Systemic Therapies 16, no. 3 (September 1997): 274–83. http://dx.doi.org/10.1521/jsyt.1997.16.3.274.

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39

Schieman, Scott, and Janice E. Campbell. "Age Variations in Personal Agency and Self-Esteem." Journal of Aging and Health 13, no. 2 (May 2001): 155–85. http://dx.doi.org/10.1177/089826430101300201.

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40

O'Brien, Lilian. "Personal Agency: The Metaphysics of Mind and Action." Australasian Journal of Philosophy 89, no. 1 (March 2011): 172–74. http://dx.doi.org/10.1080/00048402.2010.495755.

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41

Robey, Kenneth L., Steven E. Ramsland, and Karen Castelbaum. "Alignment of agency and personal missions: An evaluation." Administration and Policy in Mental Health 19, no. 1 (September 1991): 39–45. http://dx.doi.org/10.1007/bf00710517.

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42

Eddy, Erik R., Steven J. Lorenzet, and Angelo Mastrangelo. "Personal and professional leadership in a government agency." Leadership & Organization Development Journal 29, no. 5 (July 11, 2008): 412–26. http://dx.doi.org/10.1108/01437730810887021.

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43

Weiner, Stephen. "Unity of Agency and Volition: Some Personal Reflections." Philosophy, Psychiatry, & Psychology 10, no. 4 (2003): 369–72. http://dx.doi.org/10.1353/ppp.2004.0027.

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44

MEEUS, WIM, RAINER K. SILBEREISEN, and JARI-ERIK NURMI. "Special Issue: Personal agency and personality in adolescence." Journal of Adolescence 25, no. 1 (February 2002): 1. http://dx.doi.org/10.1006/jado.2001.0444.

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45

Maza, Sarah. "Getting Personal with Our Sources: A Response." American Historical Review 125, no. 4 (October 2020): 1317–22. http://dx.doi.org/10.1093/ahr/rhaa479.

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Abstract In a complement to the 2020 AHR Roundtable “Chronological Age: A Useful Category of Historical Analysis” (125, no. 2), this AHR Exchange focuses on the history of children and childhood. Sarah Maza presents a critical review essay, highlighting the limiting factors in the expanding field of childhood studies. Children, she observes, produce few sources of their own voices, have limited agency, and as individuals and as a group soon outgrow their subaltern status—they grow up. Robin P. Chapdelaine, Nara Milanich, Steven Mintz, Ishita Pande, and Bengt Sandin—historians representing diverse geographical, theoretical, and methodological perspectives on the history of children and childhood—react to Maza’s observations by bringing up important methodological questions about subjecthood, agency, and modernity. Maza’s rejoinder reflects on these questions and on the possibility of age-based historical agency.
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46

Merzlykov, Andrey A. "A Study on Personal Agency Expression in Housing Renovation." Sociologicheskaja nauka i social naja praktika 7, no. 4 (2019): 69–76. http://dx.doi.org/10.19181/snsp.2019.7.4.6800.

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This paper reviews the sociological criteria of the general public’s expression of personal agency concerning the housing renovation program. We propose the following criteria: attitude towards the housing renovation program and its progress; readiness to contribute to discussion regarding the proposed administrative decisions; desire to obtain information and the level of satisfaction with the information obtained; the level of community self-governance; and the willingness to advocate for one’s own interests. This study is unique in that it uses specially created social groups as its basis for analysis. The groups were formed based on two criteria: personal involvement in the renovation program (or lack thereof) and attitude towards the program. The results of this sociological study reveal the specific ways in which members of the aforementioned social groups express their personal agency, as well as the level and nature of such agency. We note that the government authorities have made it legally and organizationally possible for the general public to become involved in the execution of this administrative process, but the public responds to this in different ways, expressing its agency to different degrees. The agency differs both by level (high, moderate, low) and nature (supportive, protective, neutral).
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47

Bermúdez, José Luis. "Action and awareness of agency." Pragmatics and Cognition 18, no. 3 (December 31, 2010): 576–88. http://dx.doi.org/10.1075/pc.18.3.06ber.

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Chris Frith’s target chapters contain a wealth of interesting experiments and striking theoretical claims. In these comments I begin by drawing out some of the key themes in his discussion of action and the sense of agency. Frith’s central claim about conscious action is that what we are primarily conscious of in acting is our own agency. I will review some of the experimental evidence that he interprets in support of this claim and then explore the following three questions about the awareness of agency: (1) Should we locate the phenomena that Frith describes as awareness of agency at the personal level or at the subpersonal level? (2) If we are indeed operating at the personal level, then should we think about awareness of agency as something we experience, or as something that we believe? (3) If awareness of agency is to be understood experientially, is there what some authors have called “a sense of agency”, where this is understood to be a distinctive type of experience that accompanies agentive behaviors but is absent in behaviors that are not under the control of the agent? In what follows I argue that awareness of agency should be located at the personal level, and that we should think of it as something we experience . But I will reject the claim that there is a distinctive sense of agency.
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48

Fritsche, Immo. "Agency Through the We: Group-Based Control Theory." Current Directions in Psychological Science 31, no. 2 (March 18, 2022): 194–201. http://dx.doi.org/10.1177/09637214211068838.

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How do people maintain a sense of control when they realize the noncontingencies in their personal life and their strong interdependence with other people? Why do individuals continue to act on overwhelming collective problems, such as climate change, that are clearly beyond their personal control? Group-based control theory proposes that it is social identification with agentic groups and engagement in collective action that serve to maintain and restore people’s sense of control, especially when their personal control is threatened. As a consequence, group-based control may enable people to act adaptively and stay healthy even when personal control seems futile. These claims are supported by evidence showing increased in-group identification and group-based action intentions following reminders of low personal control. Furthermore, these responses of identifying with agentic in-groups increase people’s perceived control and well-being. This article succinctly presents group-based control theory and relevant empirical findings. It also elaborates on how group-based control relates to other social-identity motives and how it may explain social phenomena.
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49

Rodrigo, María José, and Sonia Byrne. "Social Support and Personal Agency in At-Risk Mothers." Psychosocial Intervention 20, no. 1 (April 2011): 13–24. http://dx.doi.org/10.5093/in2011v20n1a2.

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50

Žarković, Nebojša. "Personal interview with clients in insurance agency and brokerage." Tokovi osiguranja 36, no. 4 (2020): 7–43. http://dx.doi.org/10.5937/tokosig2004007q.

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This Article explores a direct, personal interview as the most important type of communication with a client in insurance agency and brokerage, that is in insurance business as a whole. The accent is primarily placed on the preparation for an interview and within that the selection of clients, scheduling interviews, pro-viding necessary data and preparing the supporting material. It is quite reasonable that this paper predominantly deals with conducting a personal interview, whereby it is advisable to obey particular rules and stages of the interview. The Article also highlights the importance of analyzing the interviews conducted with the Insured. Particular chapters deal with the characteristics of personal interviews in modern environment, especially its relation with machine interview as one of the outcomes of emerging new technology. Insurance agents and brokers have the task to use and benefit from this innovation if they wish to maintain their success on the market.
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