scholarly journals Formal and Informal Savings Habits and Income Levels: A Case Study in Mexico

2021 ◽  
Vol 12 (5) ◽  
pp. 1
Author(s):  
Georgina Manrique Morteo ◽  
Milka Elena Escalera-Chavez ◽  
Elena Moreno-Garcia
Keyword(s):  
Logit Model ◽  
Inverse Relationship ◽  
Positive Relationship ◽  
Developing Economies ◽  
Income Levels ◽  
Future Studies ◽  
Convenience Sampling ◽  
Personal Success ◽  
Larger Sample

Saving represents one of the most important determinants of personal success and economic development. However, in developing economies, opportunities for structured and institutionalized savings are rare. The intention of the study is to generate evidence on the type of relationship existing between income levels and formal and informal saving habits of a group of people from three different cities in Mexico. From a non-probabilistic convenience sampling, the data of 260 participants were obtained. A logit model was estimated. The results show that there is a positive relationship between higher income levels and formal saving habits and an inverse relationship between higher income levels and informal saving practices. Although the size of the sample does not allow conclusions to be drawn to the level of generalization, it has allowed the generation of evidence that in future studies can be contrasted with a larger sample.

A Case Study in Smartphone Usage and Gratification in the Age of Narcissism

2019 ◽  
pp. 17-34
Author(s):  
Alan J. Reid ◽  
Chelsea N. Thomas
Keyword(s):  
Undergraduate Students ◽  
Empirical Data ◽  
Inverse Relationship ◽  
Positive Relationship

This research tracked the daily smartphone usage and checking habits of 43 undergraduate students at a mid-sized university for a minimum of thirty days to examine the primary uses of smartphones as well as the gratifications received from their usage. Empirical data was correlated with narcissism levels to better understand what drives a person to access media, often involuntarily. Results indicated significant differences between genders for device usage (how smartphones are used), the resulting gratifications (why smartphones are used), and narcissism. Findings showed an inverse relationship between smartphone usage and narcissism, and between usage and GPA. There also was a positive relationship between a user's smartphone checking habits and exhibitionism. These results are explained further through the lens of modern society's dependence on personal technologies and the gratifications that are satisfied.

A Case Study in Smartphone Usage and Gratification in the Age of Narcissism

2017 ◽  
Vol 13 (2) ◽  
pp. 40-56 ◽  
Author(s):  
Alan J. Reid ◽  
Chelsea N. Thomas
Keyword(s):  
Undergraduate Students ◽  
Empirical Data ◽  
Inverse Relationship ◽  
Positive Relationship

This research tracked the daily smartphone usage and checking habits of 43 undergraduate students at a mid-sized university for a minimum of thirty days to examine the primary uses of smartphones as well as the gratifications received from their usage. Empirical data was correlated with narcissism levels to better understand what drives a person to access media, often involuntarily. Results indicated significant differences between genders for device usage (how smartphones are used), the resulting gratifications (why smartphones are used), and narcissism. Findings showed an inverse relationship between smartphone usage and narcissism, and between usage and GPA. There also was a positive relationship between a user's smartphone checking habits and exhibitionism. These results are explained further through the lens of modern society's dependence on personal technologies and the gratifications that are satisfied.

Mobile Money - A Catalyst for Financial Inclusion in Developing Economies: A Case Study of Zimbabwe using FinScope Survey Data

GIS Business ◽  
2016 ◽  
Vol 12 (4) ◽  
pp. 45-56
Author(s):  
Kingstone Mutsonziwa ◽  
Obert K. Maposa
Keyword(s):  
Rural Communities ◽  
Developing Economies ◽  
Adult Population ◽  
Financial System ◽  
Financial Inclusion ◽  
Viable Option ◽  
Mobile Money ◽  
Bank Branches ◽  
Financial Transactions

Mobile money in Zimbabwe has extensively extended the frontiers of financial inclusion to reach millions who were earlier excluded within a relatively short space of time. The growing use of mobile phones in transferring money and making payments has significantly altered the countrys financial inclusion landscape as millions who had been hitherto excluded can now perform financial transactions in a relatively cheap, reliable and secure way. The FinScope results found out that 45% of the adult population use mobile money services. Of those using mobile money, 65% mentioned that is convenient, while 36% mentioned that it is cheap. Mobile money is accessible. These drivers are in the backdrop of few or no bank branches in rural communities as well as time and cost of accessing the bank branches. In Zimbabwe, mobile money is mostly used as a vehicle for remittances. While some people are enjoying mobile money services, it is important to mention that there are still people who are excluded from the formal financial system. The reasons why people do not use mobile money are mainly related to poverty issues. Mobile money remains a viable option to push the landscape of financial inclusion in Zimbabwe and other emerging markets where the formal financial system might not be strong.

ANALISIS EFEKTIVITAS PROGRAM USAHA AGRIBISNIS PERDESAAN (PUAP) SERTA DAMPAKNYA TERHADAP TINGKAT PENDAPATAN PETANI (STUDI KASUS PADA GABUNGAN KELOMPOK TANI TELUK JAYA)

2014 ◽  
Vol 5 (2) ◽  
Author(s):  
Yudi Triyanto
Keyword(s):  
Poverty Alleviation ◽  
F Test ◽  
Income Levels ◽  
Before And After ◽  
Program Funding ◽  
Independent Variable ◽  
Farmer Income ◽  
Positive Effect ◽  
Group Association

Study the effectivity analysis of Program Usaha Agribisnis Perdesaan (PUAP) and its impact on farmer income levels (case study of the Teluk Jaya Farmers Group Association) aims to 1. knowing how large the effectivity of PUAP funds is for income levels in poverty alleviation in Teluk Desa Sentosa Panai Hulu Subdistrict, 2. to analyze and determine the level of income of Gapoktan Teluk Jaya Farming Business in Teluk Sentosa, Panai Hulu Subdistrict before and after receiving PUAP assistance. The results showed that the effectivity of PUAP program funding is very effective and good, it can be seen from the results of the F test of 12.406 with a significant level of 0.000 while the F value of the table is 2.051. When compared to the value of F test (12.406) > Ftable (2.051) at α 5%, it was concluded that simultaneously the effectivity variable and the PUAP program had a positive effect. The increase in income of the Teluk Jaya Farmers Group in Teluk Sentosa after receiving PUAP funds can be known from the t table for the effectivity variable of 2.663 and the PUAP program for 1.270 with a significant value for each independent variable (2.051); (0.073). Whereas for the t table value in the distribution statistics t table with the level of test α = 5% and df1 = 27 of 2,051. Based on the criteria that if the value is t count> t table); namely (2.663> 2,051) (1,270> 2,051) so that it can be concluded that the effectivity variable partially has a positive and significant effect on the income level.Keywords : effectivity variable,  income level, PUAP program

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