scholarly journals Financial capability and wellbeing of vulnerable consumers

2021 ◽  
Author(s):  
Jing Jian Xiao ◽  
Nilton Porto
Keyword(s):  
Financial Capability ◽  
Vulnerable Consumers

scholarly journals EMPLOYMENT TYPE, RESIDENTIAL STATUS AND CONSUMER FINANCIAL CAPABILITY: EVIDENCE FROM CHINA HOUSEHOLD FINANCE SURVEY

2019 ◽  
Vol 64 (01) ◽  
pp. 57-81 ◽  
Author(s):  
XU CUI ◽  
JING JIAN XIAO ◽  
JINGTAO YI
Keyword(s):  
Household Finance ◽  
Financial Education ◽  
Policy Implications ◽  
Financial Assets ◽  
Urban Residence ◽  
Financial Capability ◽  
Residential Status ◽  
Vulnerable Consumers ◽  
Non Local ◽  
The Government

Research on consumer financial capability is important for consumer financial wellbeing and emerging in the literature. However, studies on consumer financial capability in the Chinese context remain limited. To fill up the research gap, we used data from the 2011 China Household Finance Survey to investigate whether employment type and residential status were associated with consumer financial capability in China. Consumer financial capability was measured by the range of financial assets. Results from OLS and Poisson regressions showed that people employed in the government-managed system, with urban residence registration and with non-local rural residence registration had a better financial capability than their respective counterparts. The results have policy implications for improving consumer financial education and supporting vulnerable consumers.

scholarly journals Building financial capability in youth transitioning from foster care to adulthood

2021 ◽  
Author(s):  
Amy M. Salazar ◽  
Jacquelene M. Lopez ◽  
Sara S. Spiers ◽  
Sara Gutschmidt ◽  
Kathryn C. Monahan
Keyword(s):  
Foster Care ◽  
Financial Capability

scholarly journals Tackling Complexity of the Just Transition in the EU: Evidence from Romania

Energies ◽  
2021 ◽  
Vol 14 (5) ◽  
pp. 1509
Author(s):  
Roxana Voicu-Dorobanțu ◽  
Clara Volintiru ◽  
Maria-Floriana Popescu ◽  
Vlad Nerău ◽  
George Ștefan
Keyword(s):  
Environmental Sustainability ◽  
Power Plants ◽  
Point Of View ◽  
Major Power ◽  
Complex Issue ◽  
Energy Mix ◽  
Carbon Neutrality ◽  
Vulnerable Consumers ◽  
The Eu

The process of reaching carbon neutrality by 2050 and cutting CO2 emissions by 2030 by 55% compared to 1990 as per the EU Green Deal is highly complex. The energy mix must be changed to ensure long-term environmental sustainability, mainly by closing down coal sites, while preserving the energy-intensive short-term economic growth, ensuring social equity, and opening opportunities for regions diminishing in population and potential. Romania is currently in the position of deciding the optimal way forward in this challenging societal shift while morphing to evidence-based policy-making and anticipatory governance, mainly in its two coal-mining regions. This article provides possible future scenarios for tackling this complex issue in Romania through a three-pronged, staggered, methodology: (1) clustering Romania with other similar countries from the point of view of the Just Transition efforts (i.e., the energy mix and the socio-economic parameters), (2) analyzing Romania’s potential evolution of the energy mix from the point of the thermal efficiency of two major power plants (CEH and CEO) and the systemic energy losses, and (3) providing insights on the socio-economic context (economic development and labor market transformations, including the component on the effects on vulnerable consumers) of the central coal regions in Romania.

A Century of Family Budget Counseling

2021 ◽  
pp. 104438942110484
Author(s):  
Paul H. Stuart
Keyword(s):  
Social Work ◽  
World War I ◽  
Social Workers ◽  
World War ◽  
Financial Capability

This article will review family social work’s concern with budget counseling, an aspect of financial capability, during the century following World War I, based on articles appearing in the major family social work journal, Families in Society; publications of its sponsoring organization; standard budgets published with the participation of family social work agencies in many cities; handbooks and textbooks intended for social workers; and other sources.

Mixed emotions and credence service use: insights from at-risk gamblers

2021 ◽  
Vol 35 (6) ◽  
pp. 740-754
Author(s):  
Svetlana De Vos ◽  
Roberta Crouch ◽  
Pascale Quester ◽  
Jasmina Ilicic
Keyword(s):  
At Risk ◽  
Service Use ◽  
Positive Impact ◽  
Individual Characteristics ◽  
Service Research ◽  
Content Type ◽  
Tolerance Of Ambiguity ◽  
Phase Study ◽  
Vulnerable Consumers ◽  
Credence Services

Purpose This paper aims to explore the power of appeals based on fear mixed with challenge co-designed with vulnerable consumers in motivating the use of credence services. Design/methodology/approach A qualitative phase (Study 1), comprising focus groups of self-identified at-risk gamblers, revealed a series of conceptual themes for advertising stimuli that were then tested empirically (Study 2) on the likelihood to use credence services in a gambling context. Individual characteristics such as tolerance of ambiguity were also tested for their potential moderating influence. Findings In comparison to appeals based on single emotions, fear mixed with the challenge has a significantly stronger impact on intentions to use credence services in at-risk gamblers. Findings confirm the indirect positive impact of fear mixed with the challenge via sequential mediators of involvement with advertising and attitude towards credence service advertising. The moderating role of tolerance of ambiguity on credence service use intentions was confirmed. Originality/value The potential of a fear mixed with challenge appeal to motivate vulnerable consumers to seek credence services has not been investigated to date. The findings contribute to both the transformative service research and advertising literature streams by providing valuable insights into promotional campaigns aimed at vulnerable consumers such as at-risk gamblers.

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