scholarly journals Analysis of client satisfaction - A case of customers’ containment availing services from Micro Finance Institutions

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Ghulam Yaseen Veesar ◽  
Masood Hassan ◽  
Fayaz Ahmed ◽  
Rehan Muzammil
Keyword(s):  
Low Income ◽  
Client Satisfaction ◽  
Economic Status ◽  
Sampling Technique ◽  
Well Being ◽  
Economic Activities ◽  
For Profit ◽  
Satisfaction Index ◽  
Finance Industry ◽  
Male Clients

The financial well-being of the people living in society is pivotal essential for the country's economic development. The distribution and access to wealth played important role in the economic activities of states. Micro-financing strategies utilized globally to promote distribution and circulation of money, increase access of people living in the low quintile of economic status to the wealth. Similar to global trends, the microfinance strategy was introduced, which is a rapidly growing sector in Pakistan for the last few decades. There are more than 45 registered micro-finance institutions (both for-profit and not-for-profit) that provide services to people at the low-income level in Pakistan. The current study analyzed the level of client satisfaction between private, public, and non-government organization Micro-Finance Institutions (MFIs) operating at District Hyderabad of Sindh, Pakistan. The sample size of 300 clients receiving services from these MFIs, data collected by using random sampling technique on the instrument Likert Scale ranged from 1-5. The collected data processed through scientific methods factorial analysis, customer satisfaction index, and ANOVA. The results of the study presented that clients of non-government MFI are more satisfied as compared to public and private MFIs, male clients are more content to female, changes in family size and education change the level of client satisfaction, where age and monthly household income do not affect client satisfaction. In light of the study, it is recommended for MFIs to initiate client-centric policies especially in the public sector focus on the client glee in the response of services. In the micro-finance industry, female clients are the backbone; it is highly recommended to keep them in the center of attention during the development of policies to increase satisfaction levels.

scholarly journals Socio-Cultural and Economic Impediments of Inequality in Provision of Educational Right to Female: A Case of Southern Punjab (Pakistan)

2012 ◽  
Vol 2 (1) ◽  
pp. 122 ◽  
Author(s):  
Tehmina Sattar ◽  
Ghulam Yasin ◽  
Saima Afzal
Keyword(s):  
Gender Discrimination ◽  
Social Inclusion ◽  
Economic Status ◽  
Sampling Technique ◽  
Well Being ◽  
Education Sector ◽  
Quality Education ◽  
Cultural Patterns ◽  
Average Life Expectancy ◽  
Female Population

Abstract:Inequality in provision of educational right to girls is the leading rationale of their exclusion from the mainstream. If the marginalized sections of the society such as minorities, disabled and girls are given education as their indispensable human right then this will escorts towards their social inclusion in education sector. Enrollment ratios of girls lag far behind than boys at all levels of education in Pakistan. Worldwide literacy rates for adult men far exceed from women. Education enhances labor market productivity and income growth, yet educated women have beneficial effects on social well-being of the family. The social benefits from women's education ranges from fostering economic growth to extending the average life expectancy among female population. Despite these facts the issue of educational right for girls has been denied in the educational policies of Pakistan since 1947. In Pakistan women have to face biasness in acquiring quality education. Gender discrimination is explicit from Economic Survey of Pakistan (2010) where the men are 65% literate and the women are 45% literate. In Southern Punjab (Pakistan) rigid cultural patterns, poverty, prejudice, stereotypic expectations from girls education, restricted movement of girls, precarious traveling and lack of female teachers confines the girls from acquiring quality education. The respondents (N=600) were interviewed from affiliated schools (n=100 out of N=520) from BISE through multistage sampling technique from Multan and Khanewal districts. The results of the research illustrated that parental preference to boys education, rigid cultural patterns, cost of schooling (direct and indirect) and low socio-economic status of the parents were the foremost determinants of social exclusion of girls from education sector of Southern Punjab (Pakistan). Despite these determinants family size, prejudice, patriarchal structure of society, limited involvement of girls in decision making process and rigid values allied with girls education are the major constraints that restricted the access of girls from education sector of Southern Punjab (Pakistan).

Effects of social media motivations on women’s psychological well-being in Pakistan

First Monday ◽  
2020 ◽  
Author(s):  
Iffat Ali Aksar ◽  
Mahmoud Danaee ◽  
Huma Maqsood ◽  
Amira Firdaus
Keyword(s):  
Social Media ◽  
Low Income ◽  
Psychological Health ◽  
Online Survey ◽  
Media Use ◽  
Sampling Technique ◽  
Well Being ◽  
Low Income Countries ◽  
Social Media Use ◽  
Psychological Well Being

Social media use has been increasing apace regardless of geographical and economic boundaries. In particular, its penetration has occurred more rapidly in developing and low-income countries with abounding health and psychological disadvantages. Given the understanding that women are more prone to psychological disorders than men, the current research is an effort to examine social media motives and subsequent effects on the psychological well-being of women social media users in Pakistan. The study is based on an online survey conducted to ascertain as to what extent social media use contributes to women’s psychological well-being or otherwise. The survey recorded responses of 240 women selected through purposive sampling technique. SEM-PLS analysis of the collected data revealed that social media usage plays a meaningful role in women’s psychological health. However, results exposed that Pakistani women, under the traditional patriarchal social pressure, not only have to observe cultural norms in online practices but are also forced to adhere to socially constructed gender roles in online spaces. The mixed results suggest conducting extensive research for a deeper insight into the role of social media in psychological well-being of women in other low-income countries.

scholarly journals Social capital and sleep disorders in Tibet, China

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Wangla Ciren ◽  
Wanqi Yu ◽  
Qucuo Nima ◽  
Xiong Xiao ◽  
Junmin Zhou ◽  
...  
Keyword(s):  
Social Capital ◽  
Sleep Disorders ◽  
Low Income ◽  
Economic Status ◽  
Well Being ◽  
Early Morning ◽  
Cluster Sampling ◽  
Unique Region ◽  
Logistic Regression Models ◽  
Multi Stage

Abstract Objective Sleep plays an important role in the health and well-being of middle aged and elderly people, and social capital may be one of the important factors for sleep disorders. This study aimed to understand the relationship between social capital and sleep disorders in a unique region of China –Tibet that generally has the disadvantaged economic status compared to other parts of China. Methods The study was based on Tibetan data from The China Multi-Ethnic Cohort (CMEC) and was conducted from May 2018 to September 2019. A total of 3194 Tibetans aged > 50 were selected from the community population by multi-stage stratified cluster sampling. Social capital was measured using two validated health-related social capital scales, family/community and society.. Sleep disorders were measured as the presence of disorders of initiating and maintaining sleep, early morning awakening, or daytime dysfunction. Logistic regression models were applied to examine the association between social capital and sleep disorders. Results 39.9% (1271/3194) of the participants had sleep disorders. In addition, after controlling for all potential variables, family social capital was significantly negatively associated with sleep disorders (OR = 0.95, P < 0.05), while community and society social capital was not associated with sleep disorders. Then, when we did all the sex-stratified analyses, the significant association between social capital and sleep disorders was found only in women (OR = 0.94, P < 0.05), while no association was found in males; neither males nor females showed any association with community and society social capital. Conclusion Our study would help to better understand the extent of health inequality in China, and guide future interventions, strategies and policies to promote sleep quality in low-income areas, taking into account both the role of Tibetan specific cultural traditions, lifestyles and religious beliefs in social capital and the gender differences in social capital.

scholarly journals The influence of socioeconomic status on job and life satisfaction among low-income employees in Johor Local Authorities

2021 ◽  
Vol 6 (2) ◽  
pp. 121-136
Author(s):  
Errna Nadhirah Binti Kamalulil ◽  
Siti Aisyah Binti Panatik ◽  
Farhan Sarwar
Keyword(s):  
Job Satisfaction ◽  
Socioeconomic Status ◽  
Life Satisfaction ◽  
Public Sector ◽  
Low Socioeconomic Status ◽  
Low Income ◽  
Sampling Technique ◽  
Well Being ◽  
Positive Influence ◽  
Self Report

Numerous studies have found that low socioeconomic status leads to negative well-being in work and non-work domains. However, evidence on this issue from the Malaysian context is scarce. Therefore, this paper aims to investigate the influence of socioeconomic status on life and job satisfaction among low-income employees working in the public sector quantitatively. Self-report questionnaires from 265 respondents were obtained using the convenience sampling technique and analyzed using SPSS 26.0 and SmartPLS 3.0. The findings indicate that socioeconomic status has a positive influence on life and job satisfaction. Therefore, the study contributes insights into the socioeconomic status factors which determine life satisfaction and job satisfaction, specifically to low-income employees working in the Malaysian public sector.

Changes in Individual Economic Activities and Regional Market Structures Caused by Rural Road Improvements in Cambodia

2018 ◽  
Vol 2672 (3) ◽  
pp. 26-36 ◽  
Author(s):  
Rika Idei ◽  
Hironori Kato
Keyword(s):  
Low Income ◽  
Rural Areas ◽  
Travel Behavior ◽  
Local Economic Development ◽  
Economic Status ◽  
Economic Activities ◽  
Market Structures ◽  
Local Populations ◽  
Regional Market ◽  
Rural Road

In rural areas of developing countries, most individuals engage in farming of staple foods and trading them in their local markets for daily earnings. If a road is improved, what would happen to those markets and the local populations’ economic activities? This study aimed to examine the effects of rural road improvements on local economic activities and market structures in rural areas of Cambodia using quantitative and qualitative data collected from face-to-face interviews. The data included both individual economic status and households’ travel behavior around their markets. This study showed that improving road conditions helps low-income individuals visit a market frequently and releases rice farmers from the time and cost burdens of transporting their rice to markets or enables customers to now approach them directly for trades. The enhancement of economic activities was also confirmed among local populations on the roadsides, particularly groups with economic capacities, and this effect was distributed to markets even beyond the roadsides. Our findings suggest that rural road improvements enhance the economic status of individuals who engage in dominant economic activities along the improved roads and that these benefits extend beyond roadside markets themselves. However, such positive impacts were not realized by households that did not own any land for rice farming and whose economic status remained poor. Instruments should be integrated into future rural road improvement projects to include households of small economic capacities in the local economic development process.

Do Energy Burdens Contribute to Economic Poverty in the United States? A Panel Analysis

Social Forces ◽  
2019 ◽  
Vol 99 (1) ◽  
pp. 155-177 ◽  
Author(s):  
Jeremiah Bohr ◽  
Anna C McCreery
Keyword(s):  
United States ◽  
Energy Consumption ◽  
Low Income ◽  
Social Stratification ◽  
Household Income ◽  
Well Being ◽  
The United States ◽  
Economic Activities ◽  
Energy Expenditures ◽  
Energy Behavior

Abstract For many households, energy consumption represents a non-discretionary portion of their budget and directly relates to quality of life. As researchers continue to study the environmental impacts of energy behavior, it is important to explore how energy consumption relates to socio-economic wellbeing. This paper examines the economic impacts of being energy-burdened in the United States, defined as spending at least 10% of household income on heating and electricity services; energy burdens are partially, but not entirely, driven by income, since energy needs and costs can vary substantially due to housing characteristics, utility rates, and other factors. Using panel data of US household income and energy expenditures during 1999–2017, this analysis demonstrates that energy-burdened households were at about 150%–200% greater risk of transitioning into or extending the duration of economic poverty over a two-year timeframe relative to non-burdened households. This analysis indicates that dedicating inordinate amounts of income to energy services can threaten a household’s economic well-being over time, possibly by preventing a household from engaging in other economic activities or compounding existing economic hardship. These results emphasize the importance of energy assistance and energy efficiency for low-income households, drawing attention to how structures of energy consumption, the welfare state, and social stratification intertwine.

scholarly journals From Resilience to Wellbeing at School among Romanian Students - Examining the Role of Social-Economic Status

2019 ◽  
Vol 11 (1) ◽  
pp. 14
Author(s):  
Elena Cocoradă ◽  
Anca Daniela Fărcaş ◽  
Ioana Emanuela Orzea
Keyword(s):  
High School Students ◽  
Achievement Motivation ◽  
Low Income ◽  
Economic Status ◽  
Well Being ◽  
School Students ◽  
Positive Indicators ◽  
Low Income Families ◽  
Good Learning

Well-being in school is a dimension for overall life satisfaction and quality of life and more important for adolescents who are in a critical period of development and exposed to a variety of risk factors. This paper uses a quantitative approach and aims to analyze the relationship between resilience and well-being at school, focused on the role of socioeconomic status. The results show that students highly motivated and with good learning outcomes come from favored families. These students tend to be more resilient, have a positive orientation towards the future, a better well-being expressed by positive indicators than those students belonging to medium or low-income families. But socio-economically favored students are less satisfied with school than underprivileged students. Achievement motivation is an important predictor of well-being at school, both in middle and high schools. In high school students’ sample, well-being (positive indicators) significantly explains satisfaction with school. In middle school students’ sample, satisfaction with school is explained directly by resilience and, indirectly, through well-being expressed by negative indicators. Age-differentiated interventions that generate a supportive environment must be implemented for all: for students with low socio-economic status because they are less resilient and with lower overall well-being, but also for socio-economically favored students, because they are less satisfied with school.

scholarly journals Occupation of Household Heads as Correlate of Child Care Practices of Low-Income Households

2015 ◽  
Vol 19 (1) ◽  
Author(s):  
Jean N. Guillasper
Keyword(s):  
Child Care ◽  
Low Income ◽  
Family Income ◽  
Economic Status ◽  
Sampling Technique ◽  
Vital Role ◽  
Socio Economic Status ◽  
Care Practices ◽  
Household Heads

Child care is considered as an integral part of society’s health. This study was conducted to determine the child care practices of households with very low socio-economic status in Singalat, Palayan City, Nueva Ecija, Philippines. The researcher utilized the descriptive method of research coupled with questionnaire as a tool for data gathering. The respondents were chosen by means of purposive sampling technique and the data gathered were treated with frequency and percentage distribution, weighted mean and Pearson Product Moment Correlation. The results showed that the respondents were living in a mixed neighborhood; houses were built in light and cheap materials, poorly constructed, unpainted and dilapidated. The majority of the household heads were unskilled workers while some were employed as blue collar workers or engaged in manual labor that receives an hourly rate of pay, high school graduates with 0-1 or few facilities with monthly family income of P1,000.00      (23 USD) and below. The socio-economic classification of the respondents falls under E or “very low socio-economic classification” with a score of 7-14 based on MORES-SEC Classification of Households. Child care practices in terms of nutrition, hygiene, disease prevention and health restoration were “very often accomplished” by the respondents. The “occupation” of household heads plays a vital role in the delivery of child care among the family respondents. Occupation means income, while income would mean food, shelter, clothing, medicine or health and other basic necessities of a growing child. Keywords—Social Science, child care practices, socio-economic status, descriptive-survey, Nueva Ecija, Philippines

scholarly journals Marital Status, Career and Income as Indicators of Life Satisfaction Among Middle-aged Career Women in Hulu Langat, Selangor, Malaysia

Populasi ◽  
2018 ◽  
Vol 25 (1) ◽  
pp. 1
Author(s):  
Siti Marziah Zakaria ◽  
Nor Ba'yah Ab. Kadir ◽  
Khairul Hisyam Baharuddin
Keyword(s):  
Life Satisfaction ◽  
Marital Status ◽  
Low Income ◽  
Short Form ◽  
Simple Random Sampling ◽  
Well Being ◽  
Middle Aged ◽  
Career Women ◽  
Satisfaction Scale ◽  
Satisfaction Index

 Life satisfaction is a subjective construct that varies according to gender, education level, age, income, marital status, and other demographic factors. Life satisfaction is an important issue among middle-aged women. They face various responsibilities, roles and expectation at this age. The objective of this article is to identify the differences in life satisfaction among middle-aged Malay women from different educational level, marital status, career and income. This study applied a survey technique, which is a set of questionnaire which consisted of socio-demographic scale and life satisfaction scale (based on Life Satisfaction Index - Short Form by Barrette and Murk, 2006). Simple random sampling and purposive sampling have been used to obtain the responses. A total of 410 middle-aged career women in Hulu Langat, Selangor have participated in this study. The finding showed that life satisfactions among middle-aged women are different depending on their marital status, career and income. This was based on the result of ANOVA. Single women and widower who are working in private sector and of low-income level reported to have the lowest life satisfaction. This finding may provide input to the planning of programs to enhance the well-being and life satisfaction among middle aged career women.

Vulnerable Groups During Crisis

2021 ◽  
Author(s):  
Sarah E. DeYoung
Keyword(s):  
Low Income ◽  
Land Use Planning ◽  
Economic Status ◽  
Social Systems ◽  
Healthcare Access ◽  
Companion Animals ◽  
Geographic Location ◽  
Well Being ◽  
Adverse Outcomes ◽  
Vulnerable Groups

During crisis events such as humanitarian conflicts, population displacement, natural disasters, and others, some people are more vulnerable to long-term physical, psychological, and overall adverse outcomes. Aspects of context that affect vulnerability include: (a) the nature of the hazard or conflict event; (b) the geographic location and structural surroundings; and (c) involvement of key groups during crisis. The nature of the event includes barriers for access to well-being in high-income and low-income contexts, the speed of onset of the hazard, the scope and type of hazard (localized or catastrophic, natural or technological, and other factors). Geographic location and structural surroundings include factors such as isolation caused by an island context, structural mitigation (such as earthquake-resistant construction), pollution and environmental exposure, and implementation of land use planning or sustainable farming. Finally, with regard to involvement of key groups in crisis, it is important to consider ways in which group coordination, logistics, cultural competency, public policy, social movements, and other mechanisms can exacerbate or improve conditions for vulnerable groups. Groups more likely to experience adverse outcomes in disasters include: ethnic and racial minoritized persons, people considered to be low caste, women, children, infants, sexual minorities, religious minorities, elders, and immigrants and refugees. Displacement and relocation are associated with specific increases in exposure to food insecurity, human trafficking, and reduced access to reproductive care. Contextual factors are also related to the severity of the adverse outcomes these groups experience in crisis. These factors include access to healthcare, access to education, and economic status. There are also unique groups whose needs, social systems, and cultural factors increase barriers to evacuation, accessing warning information, or accessing safe sheltering. These groups include persons with functional and access needs including medical or cognitive impairments, elderly individuals, people with companion animals, and people with mental illness.

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