scholarly journals Incorporating Private Savings Behavior in Product Offerings: A Case Study of Pakistan

2021 ◽  
Vol 10 (2) ◽  
pp. 247-258
Author(s):  
Salman Ahmed Shaikh
Keyword(s):  
Urban Areas ◽  
Savings Behavior ◽  
Ex Post ◽  
Savings Rate ◽  
Investment Returns ◽  
Private Savings ◽  
Micro Foundations ◽  
Islamic Investment

In order to enhance understanding about the actual savings behaviour and impulses which drive savings behaviour, it is interesting to study the micro foundations of savings behaviour. Collecting micro data through filled questionnaire from households in urban areas, this study identifies the motives of savings and the instruments and channels where the savings are invested in Pakistan. The results reveal that investment motive, higher income and greater frequency of household members joining labor force for earning incomes enhance the monthly savings rate. The results can be used to offer Islamic investment deposits in an attractive way. If the investment deposits are pitched properly by highlighting the stable ex-post investment returns and low ex-post volatility, then people with an investment motive parking their savings in fixed income mutual funds would be attracted towards Islamic investment deposits. Likewise, incremental long term savings plans wherein periodic investments increase over a period of time can be offered given that monthly savings rate are found to be positively associated with income. Finally, joint investment accounts can be offered given the finding that monthly savings rate is higher in households with greater number of earning members in family.JEL Classification: G11, G21, G23How to Cite:Shaikh, S. A. (2021). Incorporating Private Savings Behavior in Product Offerings: A Case Study of Pakistan. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 247-258. https://doi.org/10.15408/sjie.v10i2.20139.

Cordaid’s Post-Disaster Shelter Strategy in Haiti: Linking Relief and Development

2014 ◽  
Vol 39 (3) ◽  
pp. 77-85
Author(s):  
Harmen Janse ◽  
Kees van der Flier
Keyword(s):  
Urban Area ◽  
Urban Areas ◽  
Life Support ◽  
Comparative Case Study ◽  
Urban Context ◽  
Short Term ◽  
Stage Of Development ◽  
Post Disaster

Haiti was struck by a heavy earthquake in 2010 and international aid poured into the country. News reports in 2011 were not very positive about the results of post-disaster reconstruction: “The relief efforts are only putting Haiti on life-support instead of evolving into the next stage of development”. One of the non-governmental organisations (NGOs) involved in Haiti was Cordaid, implementing a ‘transitional shelter strategy’ to support the transformation of neigh-bourhoods from a state of life-support into a state of self-sustaining development. The strategy was implemented in both a rural and an urban area. The main feature of the strategy was the provision of structures that could be adapted from simple shelters to permanent houses. Since the results of the strategy were mixed and ambiguous, a comparative case study was conducted to evaluate the shelter strategy in both areas. The objective was to draw lessons about what has to be taken into account when formulating future urban shelter strategies. The case study is discussed in this article. The main finding from the case study is that producing the intended number of shelters within the financial and time budgets that were set (efficiency), was more difficult in the urban area than in the rural area. But the conditions for linking relief and development (effectiveness) are more favourable in the urban context. NGOs may achieve long-term (effective) results in the urban context when a lower efficiency can be justified. That is why NGOs need to engage in a debate about the extent to which they are able to focus on long-term shelter or housing strategies. The important element in the debate is communication with the donors who are often focused on short-term relief measures. However urban areas cannot be rebuilt with only short-term interventions. The link between relief and development has to be made by a process-orientated approach focusing on capacities of local participants.

Green Urban Public Bikes Rental System: A Case Study of Taipei YouBike

2013 ◽  
Vol 723 ◽  
pp. 968-975
Author(s):  
Hui Hua Yang
Keyword(s):  
Urban Areas ◽  
System Analysis ◽  
Clear Indication ◽  
The Public ◽  
Public Transport System ◽  
System A ◽  
Actual Experience ◽  
Taipei City

Public bikes rental system is an innovative scheme of rental bicycles in urban areas and can be seen as part of the public transport system. This study investigates the users of Taipei YouBike rental system, analysis their intention and behaviors, pre-expectation and actual experience on satisfaction. The result indicates that the users were mostly from long term annual fee commuters. The result also reveals distinct discrepancies between pre-expectation and actual experience, especially in distributes of safety routes and environments and clear indication of signs on bike routes. The findings can be used for Taipei City to improve the urban bicycle program and make more effort to develop safety cycling infrastructures and amenities.

Temporary versus Permanent Population Mobility in Melanesia: A Case Study from Vanuatu

1992 ◽  
Vol 26 (3) ◽  
pp. 806-842 ◽  
Author(s):  
Gerald Haberkorn
Keyword(s):  
Urban Areas ◽  
Total Population ◽  
Direct Result ◽  
Population Mobility ◽  
Rapid Urbanization ◽  
Predominant Form ◽  
Recent Developments ◽  
Contemporary Reality

Melanesia's urban population tripled from a mere 7 percent of the region's total population in 1955 to 20 percent by 1985. The recency and magnitude of this development and the absence of any established forms of urban living in the region's precolonial history virtually rules out natural population growth as the principal cause behind this process of rapid urbanization and suggests massive internal population mobility as the most likely cause. The overall picture conveyed by the Melanesian mobility literature, however, emphasizes rural-based circular mobility as the predominant form of population mobility in the region. Seeking to reconcile this contrast, this article argues that much of the alleged continued predominance of circular mobility owes more to its underlying operationalizations, ways of measurement, and theoretical conceptualizations than reflects contemporary reality. This argument is substantiated by an analysis of recent developments in Vanuatu mobility set in the local and historical conditions of migration from the island of Paama. It is demonstrated how specific structural transformations on the island and in urban areas throughout this century were not only conducive to a change from temporary to long-term or permanent rural absences, but how they also have emerged as the direct result of mobility, thus highlighting the latter's dialectical nature. Evidence for this mobility change is derived from a comparative analysis of lifetime mobility histories of urban and rural Paamese men and women.

Evaluating the Options in Urban Areas with Financial Constraints

1996 ◽  
Vol 1518 (1) ◽  
pp. 48-56
Author(s):  
Patrick Decorla-Souza ◽  
Jerry Everett ◽  
Brian Gardner ◽  
Michael Culp
Keyword(s):  
Urban Areas ◽  
Financial Constraints ◽  
General Purpose ◽  
Highway Capacity ◽  
Mixed Flow ◽  
Policy Makers ◽  
Infrastructure Investments ◽  
New Infrastructure

Logic is devised for a needs test for new general-purpose lane (GPL) highway capacity in urban areas that have limited funding available for new infrastructure investments. GPL capacity is defined as mixed-flow lanes on which both single-occupant and high-occupancy vehicles are permitted. Methodologies to apply the needs test and to evaluate the options in urban areas facing limitations on new GPL capacity are developed. A case study is used to demonstrate the methodologies to evaluate the air quality and cost-effectiveness impacts of transportation system alternatives, illustrating how planners may develop the type of information that policy makers will need to help them make informed decisions about long-term options.

scholarly journals Collaboration and Competition Policy in a Market-Based Hospital System: A Case Study from the Netherlands

2020 ◽  
Vol 16 (2) ◽  
pp. 262-288
Author(s):  
Wouter van der Schors ◽  
Ron Kemp ◽  
Marco Varkevisser
Keyword(s):  
Competition Policy ◽  
Healthcare Providers ◽  
Self Assessment ◽  
Hospital System ◽  
System A ◽  
Ex Post ◽  
Self Assessments ◽  
Post Assessment

Abstract In the Dutch healthcare system, provider competition is used as a tool to improve efficiency. From a competition policy perspective, little is known about how collaboration among healthcare providers contributes to overall patient welfare, and how a balance is achieved between scale benefits and preventing anti-competitive collusion. This paper examines the ex-post effects of a Dutch case study in which three competing hospitals have collaborated to provide high-complexity low-volume cancer surgery, an arrangement that tests the limits of permissibility under the Dutch cartel prohibition. Our preliminary empirical research demonstrated only a modest increase in price and travel time for some of the tumour surgeries. Volume analysis showed that the intended centralization of surgical procedures has not been fully realized. Our findings highlight the importance of a comprehensive self-assessment by the collaborating hospitals to ex-ante assess (potential) efficiencies and antitrust risks. Such self-assessments could benefit from research focused on which collaborations are most appropriate to achieve quality gains. For the ex-post assessment by competition authorities following the cartel prohibition, a more thorough insight into the (long-term) changes in hospital prices, profitability, and quality after collaboration is needed.

Drivers of long-term savings behavior from the consumers’ perspective

2015 ◽  
Vol 33 (7) ◽  
pp. 922-943 ◽  
Author(s):  
Matthias Ruefenacht ◽  
Tobias Schlager ◽  
Peter Maas ◽  
Pekka Puustinen
Keyword(s):  
Social Context ◽  
Indirect Effect ◽  
Online Survey ◽  
Service Providers ◽  
Savings Behavior ◽  
Content Type ◽  
The Social ◽  
Savings Rate ◽  
The Impact

Purpose – The purpose of this paper is to delineate the impact of social context and savings attitudes on consumers’ self-reported long-term savings and discuss how these drivers can be influenced to increase an individual’s savings rate. Design/methodology/approach – An online survey was conducted among 993 German savers. A structural equation model quantified the influence of the social context and an individual’s attitudes on long-term savings behavior, as stated by consumers. Findings – Both social context constructs – subjective norms and relationship quality – exert a significant influence on the savings attitudes of perceived anxiety and perceived importance, which in turn significantly affect long-term savings. Furthermore, the results of a mediation analysis indicated that the social context only has an indirect effect on long-term savings. Research limitations/implications – The study was conducted in Germany only. Therefore, the results may not apply across cultures. In addition, the salient belief structures, access channels used, and savings product categories were not part of this study. Practical implications – The results showed that financial institutions can influence an individual’s attitudes toward long-term savings by providing a satisfying and trusted relationship. The positive effect on savings attitudes will translate to an increased long-term savings rate. According to the analysis, financial service providers can only have an indirect effect on long-term savings behavior. Originality/value – This paper delineates the impact of the social environment on long-term savings. This relationship has not been investigated in previous research. In addition, the influence of the social context within the attitudes-behavior framework for long-term savings is expounded.

scholarly journals ASSESSING THE HYDROLOGIC EFFECTS OF URBANIZATION THROUGH NUMERICAL MODELING USING SWAT: A CASE STUDY OF LAGUNA DE BAY BASIN

2021 ◽  
Vol XLVI-4/W6-2021 ◽  
pp. 193-199
Author(s):  
J. M. Jamilla ◽  
J. Serrano ◽  
B. C. Hernandez ◽  
E. Herrera
Keyword(s):  
Land Cover ◽  
Urban Areas ◽  
Flood Control ◽  
The Philippines ◽  
Wet Season ◽  
Metro Manila ◽  
Laguna De Bay ◽  
The Impact

Abstract. Laguna de Bay, having a surface area of about 900 km2 is the largest freshwater lake in the Philippines, and is the most important water body in Metro Manila with its variety of uses ranging from aquaculture, irrigation, water supply and flood control. Due to its available resources and strategic location, over extraction, land conversion, and urbanization, have resulted in massive changes in the lake's watershed. The objective of this study is to simulate the impact of land cover change, particularly urbanization, on the hydrology of Laguna de Bay watershed. By hypothetically converting brushland to urban areas and using ArcSWAT to simulate the effects of urbanization, discharges and water balances were assessed. The long-term hydrologic simulations showed an annual increase of 20.6 m3/s (68%) in surface runoff and a 12.8 m3/s (26%) decrease in groundwater recharge for the entire watershed as urban areas increase. The mean seasonal flows were 75. m3/s during the dry season and 149.4 m3/s during the wet season for the original land cover, and 70.2 m3/s and 154.1 m3/s for the urbanized land cover, during the dry and wet seasons, respectively. Water percolating into the aquifers beneath the ground were also lessened by 13.6 m3/s (23%). The calibration of Marikina subbasin resulted to a satisfactory percent bias (PBIAS), Nash-Sutcliffe (NSE), and the ratio of the root-mean-square error to the standard deviation of measured data (RSR). Other subbasins resulted in a relatively lower performance rating due to limited available monitoring stations within the basin.

scholarly journals Long-Term Spatiotemporal Variation of Net Primary Productivity and Its Correlation With the Urbanization: A Case Study in Hubei Province, China

2022 ◽  
Vol 9 ◽  
Author(s):  
Ke Wu ◽  
Chengfeng Zhou ◽  
Yuxiang Zhang ◽  
Ying Xu
Keyword(s):  
Primary Productivity ◽  
Urban Areas ◽  
Net Primary Productivity ◽  
Terrestrial Ecosystems ◽  
Hubei Province ◽  
Spatiotemporal Variation ◽  
Anthropogenic Activity ◽  
Rapid Urbanization

Net primary productivity (NPP) is a critical component in terrestrial ecosystem carbon cycles. Thus, quantitatively estimating and monitoring the dynamics of NPP have become key aspects for exploring the carbon cycle of terrestrial ecosystems. Anthropogenic activity, such as urbanization, has significant effects on NPP and increases pressure on the natural resources of a specific region. However, to date, although many studies have focused on the relationship between NPP variation and urbanization, they usually ignored any differences at a long-term spatiotemporal variation of urbanization factors, which led to the insufficient understanding of the urbanization-induced impacts on NPP. As a result, this study effectively explored the spatiotemporal variation of NPP from 2001 to 2012 and its corresponding relationship with urbanization, taking the Hubei Province in China as a case study area. To clarify the degree of urbanization, the spatial distribution and temporal variation of population and gross domestic product (GDP) were simulated based on the elevation-adjusted human settlement index and nighttime lights data. The major results showed that high NPP areas were located in those highlands with widespread woodland, in which the NPP value continued to grow during the period. The low NPP areas were mainly distributed in urban areas, and the NPP value had a continued and visible loss. The population and GDP both had a strong correlation with NPP. The significant negative correlation was concentrated in the center of Hubei, with a dense population and developed economy. In order to further realize their complex relationship, the correlation coefficients between the annual NPP and the two factors from 2001 to 2012 were calculated, and the changing trends were investigated. Overall, the findings of this study may provide a reference for studies on the interaction between ecological environment and socioeconomic processes under the background of global rapid urbanization.

Caregivers' Perceptions of Speech-Language Pathologist Talk About Child Language and Literacy Disorders

2020 ◽  
Vol 29 (4) ◽  
pp. 2049-2067
Author(s):  
Karmen L. Porter ◽  
Janna B. Oetting ◽  
Loretta Pecchioni
Keyword(s):  
Language And Literacy ◽  
Collective Case Study ◽  
Study Approach ◽  
School Aged Children ◽  
Speech Language Pathologist ◽  
Therapy Goals ◽  
Semistructured Interviews ◽  
Types Of Information

Purpose This study examined caregiver perceptions of their child's language and literacy disorder as influenced by communications with their speech-language pathologist. Method The participants were 12 caregivers of 10 school-aged children with language and literacy disorders. Employing qualitative methods, a collective case study approach was utilized in which the caregiver(s) of each child represented one case. The data came from semistructured interviews, codes emerged directly from the caregivers' responses during the interviews, and multiple coding passes using ATLAS.ti software were made until themes were evident. These themes were then further validated by conducting clinical file reviews and follow-up interviews with the caregivers. Results Caregivers' comments focused on the types of information received or not received, as well as the clarity of the information. This included information regarding their child's diagnosis, the long-term consequences of their child's disorder, and the connection between language and reading. Although caregivers were adept at describing their child's difficulties and therapy goals/objectives, their comments indicated that they struggled to understand their child's disorder in a way that was meaningful to them and their child. Conclusions The findings showed the value caregivers place on receiving clear and timely diagnostic information, as well as the complexity associated with caregivers' understanding of language and literacy disorders. The findings are discussed in terms of changes that could be made in clinical practice to better support children with language and literacy disorders and their families.

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