Services for the underserved: unintended well-being

Sanchez-Barrios, Luis Javier; Giraldo, Mario; Khalik, Mahmoud; Manjarres, Ricardo

doi:10.1080/02642069.2015.1090983

Cited by 27 publications

(63 citation statements)

References 38 publications

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“…This study findings to complement the studies conducted on poor customers of financial services in TSR domain (e.g. Sanchez-Barrios et al, 2015;Martin & Hill 2015) by addressing issue of their financial exclusion, which is considered to be one of the major issues with regards to their well-being in developing countries. It highlights the problems faced by low-income consumers in their financial inclusion and provides suggestions for serving them in a better manner both for their financial inclusion and to enhance their well-being.…”

Section: Discussionmentioning

confidence: 80%

“…Hitherto, a little research is conducted on lowincome consumers of financial services within TSR stream but service scholars' unique understanding about service processes can lead to research contributions and endeavours to uplift their well-being (Anderson et al, 2013). Sanchez-Barrios, Giraldo, Khalik, & Manjarres (2015) explored effects of loan sharks on the well-being of poor consumers, and found that loan sharks offer unbiased, hassle-free, without using technical jargons and reputation based lending to poor consumers. The study concluded that these positively influence poor consumers' well-being.…”

Section: Introductionmentioning

confidence: 99%

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Banks’ unfairness and the vulnerability of low-income unbanked consumers

Kamran

Uusitalo

2018

The Service Industries Journal

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This paper's objective was to explore low-income unbanked consumers' perceptions of bank fairness and the way these perceptions were linked to consumer experiences of vulnerability.Qualitative data were used to analyse low-income consumers' perceptions about banks' services and communications. The study finds that although consumers' financial inclusion is partially hindered by their personal circumstances, the perceived unfair treatment by banks has an even more negative impact on their financial inclusion. Low-income unbanked individuals report banks avoiding them, discriminating against them and impeding their financial inclusion. Banks' perceived unfairness towards low-income consumers leads those consumers to experience vulnerability in numerous ways. Finally, we provide public policy implications for low-income consumers' well-being and financial inclusion and to assist them in mitigating their vulnerability. ,

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Section: Discussionmentioning

confidence: 80%

Section: Introductionmentioning

confidence: 99%

Banks’ unfairness and the vulnerability of low-income unbanked consumers

Kamran

Uusitalo

2018

The Service Industries Journal

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“…Additionally, it responds to the need identified by scholars for further research on the informal economy and services (Williams & Windebank, 2000). To date work examining the informal economy and services remains somewhat limited and fragmented (for examples see Sanchez-Barrios et al 2015;Williams, 2007;Williams et al, 2011). Our study contributes towards developing the field of inquiry into services and the informal economy.…”

Section: Literature Reviewmentioning

confidence: 79%

‘The price is different depending on whether you want a receipt or not’: examining the purchasing of goods and services from the informal economy in South-East Europe

Littlewood

Rodgers

Yang

2018

The Service Industries Journal

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Research on the informal economy has largely focussed on supply-side issues, addressing questions like what motivates individuals to work in the informal economy, and as a result how can governments tackle this phenomenon. To date, much less attention has been given to demand-side aspects of the informal economy, examining issues around who purchases goods and services from the informal economy, why, and to what extent there are variations according to demographic, socio-economic and geographic dimensions. This paper contributes towards addressing this imbalance by examining the purchasing of goods and services from the informal economy in South-East Europe. Firstly, this paper identifies the prevalence of such informal purchasing in South-East Europe as well as who undertakes such purchasing. Next, it examines the relative significance of cost factors, social factors, and failures in the formal economy, in motivating such purchasing. Finally, it explores variability in the significance of these motivators based on individual-level factors, within and across three South-East European countries.

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“…Moreover, tourism researches tend more to focus on the satisfaction of tourists rather than of residents [7,[10][11][12]. Moreover, there is a gap of literature regarding service consumption practices and their effect on the well-being of consumers [13]. This research is going to contribute towards filling this gap in the literature.…”

Section: Introductionmentioning

confidence: 99%

Events and Tourism Development within a Local Community: The Case of Winchester (UK)

et al. 2018

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Tourism as an industry has many kinds of impacts on destinations and their communities. The presence of tourism could create the conditions for an economic development but in the same way produce negative effect (crowding out) and externalities (the Janus-face character). Between the different actors inside the tourist destination, there are the local community which could endure the pressure of tourism. In some cases, this pressure reduces the wellbeing of the residents. The present research paper focuses on how activities like events and tourism impact on community well-being. Winchester (England), a Special Interest Tourism and Event (SITE), is used as a case study. The data are collected using an on-line interview and they are elaborated using multivariate techniques and ordinal regression analysis. The results of the study reveal a close relation between the level of happiness of the local residents and their perception of the tourism industry and event development. Local residents in Winchester are perceiving the tourism industry and events rather positively as they believe it supports their culture and the local economy and job in particular. Our first overall conclusion is that there is a relationship between the residents’ happiness and tourism/event perception. Moreover, our findings support what claimed by several scholars that tourism specialisation improves the residents quality of life (QOL). The present study has not shown the direction of the influence but according to previous research it is the level of happiness of the local residents that determines their perception of the tourism industry and event development and not the other way around. The second finding of the study reveals that SITE destinations have a high potential in terms of contributing to the local residents’ happiness and subsequently visitors. Our third and final conclusion is that, when the benefits of tourism and events are higher than the cost, local residents and are likely to be supportive of the activity.

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Services for the underserved: unintended well-being

Cited by 27 publications

References 38 publications

Banks’ unfairness and the vulnerability of low-income unbanked consumers

Banks’ unfairness and the vulnerability of low-income unbanked consumers

‘The price is different depending on whether you want a receipt or not’: examining the purchasing of goods and services from the informal economy in South-East Europe

Events and Tourism Development within a Local Community: The Case of Winchester (UK)

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