Low-income consumers coping strategies to tackle marketplace exclusion: a developing country perspective

This article investigates both the coping strategies employed by low-income unbanked consumers in Pakistan and the consequences of those strategies. Qualitative data were gathered from low-income unbanked consumers through in-depth interviews. The findings suggest that unbanked consumers utilize their respective social networks and various market and personal resources to cope with financial exclusion. The utilization of social network resources to cope with financial exclusion typically enabled participants to fulfill their obligations in a positive manner and enhanced solidarity and trust among group members, whereas the use of market and personal resources tended to produce more negative consequences in the form of different types of risk. The article provides managerial implications for developing services that enhance the well-being of unbanked consumers.

PurposeThere is dearth of studies in the literature which have discussed the relevance of personal and social resources of employees to protect them from adverse impacts of emotional job demands. However, interaction effect of these two resources on wellbeing of the employees in context to emotional work is inadequate. The present study is aimed to address the existing gap and investigate the relevance of personal and social resources as moderators in the presence of each other between emotional work and employee wellbeing.Design/methodology/approachThe research work has focused on employees working on frontline profiles of civil aviation industry of north India. The responses of 720 frontline employees have been collected through pretested questionnaire. To understand the moderation effect of two variables, model number 3 developed by Hayes (2012) has been applied.FindingsThe findings have revealed that moderator role of social support between emotional work and employee wellbeing. However, research has pointed out that at high level of social support personal resources of employees' start to decline which subsequently reduces the wellbeing of employees.Research limitations/implicationsThe present research work has analysed the moderated moderation effect of personal and social resources between emotional work and employee wellbeing. Besides, the relative significance of personal resources vis-a vis social resources empirically in context of employee wellbeing in case of emotional work has also been highlighted in the work.Practical implicationsThe results of the study have suggested the employees to receive less social support from friends, family and other significant relationships to protect their personal resources in emotional work settings. Moreover, research work has implicated for employers to draw out the various interventions through which personal resources of employees can be enhanced in emotional work settings. Also, the research has assisted in designing the key competencies for different job domains of emotional work setups.Social implicationsThe present study is very substantial in offering various parameters over which wellbeing policies for individuals can be framed. Also, the study has outlined the consequences of receiving different levels of social support which is applicable for that set of population who wants to enhance their personal resources for attaining high wellbeing.Originality/valueThe study has empirically investigated interaction effect of social and personal resources of employees between emotional work and employee wellbeing which is scarce in the literature. Besides, a dark side of social support in emotional work context has also been highlighted which was scarcely discussed in emotional work settings previously.

This study puts personal, social, and religious resources as a stress buffer for caregivers. The limitation of personal, social, religious resources have a detrimental effect on the mental health of caregivers of a family member with schizophrenia (hereinafter referred to as People with Schizophrenia, or PwS). Following the caregiving stress process theory, this study aims to clarify not only the role of personal and social resources but also the religious ones. For this purpose, in-depth interviews with a life history method were done to twenty (20) caregivers of PwS. The result shows that personal resources like coping mechanism management (for example, by doing a positive comparison with others and reducing the expectations on the PwS) would help to perceive the role of a caregiver more positively. Meanwhile, social resources like social support were received by the caregivers from their significant others (family members) and similar others (support group). Social support was received in the form of emotional support, caregiving help, and instrumental aid. Religious resources in the form of religious coping were also used as a buffer for the stress that came from caregiving. This was done by positive religious coping, such as asking for help from God during difficult times, involving God in everything they do, and surrendering themselves to God to get the strength to face life problems. These three resources (personal, social, religious) were needed by the caregivers so they can preserve their mental health.

The objectives of the present study were to (1) evaluate whether social and personal resources were independently related to psychological distress and (2) examine the interrelationships of social and personal resources in women at risk for hereditary breast cancer. General and breast cancer specific distress, family communication regarding hereditary breast cancer, perceived social support, self-esteem, self-concept, and demographics were assessed in 222 high-risk women, having opted either for regular surveillance or prophylactic surgery. Structural equation modeling showed that (1) both personal and social resources were independently associated with psychological distress and (2) the associations between social resources and psychological distress were partially mediated by personal resources. Support from family and friends was associated with a higher level of self-esteem, which in turn was associated with less general distress. Furthermore, communication regarding cancer within the nuclear family was associated with decreased feelings of stigmatization, which in turn was associated with less general and breast cancer specific distress. Moreover, open communication within the family was associated with a reduced sense of vulnerability. Health workers involved in the care of high-risk women should carefully monitor women's personal and social resources, and if compromised refer them for appropriate support.

Emergency service workers are exposed to many stressors during their work that can lead to pressure, strain and other negative consequences. If they recover after traumatic events and do not show long-term negative consequences, this is referred to as resilience. Certain individual, institutional, and social resources and strategies are key factors that influence people's ability to cope successfully. However, those specific resources and coping strategies that can enhance resilience have not yet been studied in detail among emergency service workers, even though they are exposed to various impacts on a daily basis. The present study investigated a total of 774 emergency service workers operating in Germany. It used well-established questionnaires designed to investigate resources, coping styles, and resilience, and multiple linear regression analysis was performed on the responses. The results indicate that emergency service workers are exposed to stressors, especially on the institutional level. However, they possess personal, social, and institutional resources and coping strategies that enhance resilience. Personal resources like self-efficacy and ambiguity tolerance prove to be the strongest predictors of emergency service workers’ resilience. Problem-focused coping is found to increase resilience, whereas emotion-oriented coping seems to be related negatively. Measures that increase resilience should be included in education and training, as is discussed in the practical implications. Training materials such as learning games support the development of ambiguity tolerance and self-efficacy of emergency service personnel while stress tests for organizations enhance the operating capabilities of emergency organizations even.

Disability affects significantly to the family of the person who suffers it, because the whole family has to cope and accept the situation. Nowadays the consequences of this situation on parents remain unknown, taken into account that most of the research about disability has been made with the person with disability. Aims: 1) Describe emotional status, social and personal resources and coping in parents of people with disabilities; 2) Explore the relationships between emotional status with the rest of variables assessed. Method: 21 parents of people with intellectual disabilities were assessed. This is a descriptive study. Variables: anxiety, depression, social support perception, social comparison, coping strategies and control perception. Results: Parents showed low scores in emotional status, as well as in social support perception and high scores in control perception. Parents used more frequently the contrast-ascendant type of social comparison and search of solutions as a coping strategy. Depression and anxiety showed a significant relationship with social comparison, coping styles and control perception. Conclusion: Being parents of people with disability surely produces an emotional impact, for these reasons, we should help these parents to use their personal and social resources and coping strategies in order to better adapt themselves to the new life conditions as soon as possible.

Using a stress process theoretical framework, this article examines the relationship between financial debts and the subjective well‐being of young adults and the role of social and personal resources in the mechanism. The analyses include 2348 young adults from the 2017 Transition into Adulthood Supplement study of Panel Study of Income Dynamics, using the structural equation modeling method. We found that when faced with student loans as a stress exposure, young adults' social resources (financial support and social participation) and personal psychological resources (self‐esteem) may act in different ways explaining life satisfaction and subjective well‐being. Having student loans increased the likelihood of receiving financial support from family and social activity participation, while also boosting one's self‐esteem. However, financial support as a social resource was negatively associated with young adults' life satisfaction and subjective well‐being, whereas self‐esteem as a personal resource was positively associated with life satisfaction and subjective well‐being. Our study suggests that exploring the underlying mechanism of the association between debts and subjective well‐being is necessary and crucial because the mediating roles of social and personal resources were important in determining young adults' subjective well‐being. Further research should explore this topic, as recent young adults are more exposed to debt burdens than preceding cohorts.

This article compares three different forms of volunteering: formal volunteering which is typically carried out in formalized organizations; informal practical help which is most often provided in a face-to-face context and requires the giving of time; and economic assistance which requires neither the co-presence of actors nor the giving of time. The different nature and structuring of these formal and informal ways of contributing to society suggest that they require different resources. Grounded in sociological theory we argue that three sets of factors are particularly relevant for explaining volunteering: personal or ‘human capital’ factors, social network resources, and civic values. We test in a multivariate analysis how various indicators of these personal and social resources relate to the different forms of volunteering. The study relies on a comprehensive survey of the Danish adult population. The findings, therefore, are interpreted in the light of this particular institutional environment which forms the backdrop for individual choices about volunteering. We find that the different forms of formal and informal volunteering seem to form a continuum of civic engagement going from the most public to the most private. Furthermore, compared to informal ways of volunteering, formal volunteering seems to be more contingent upon access to and supply of different forms of personal and social resources.

The availability and development of social and personal resources are substantial components of a positive work experience. This study aims to inquire the reciprocal relations between the personal resource of psychological capital (PsyCap; hope, self-efficacy, resilience, and optimism) and the social job resource of social support, as proposed in the job demands-resources theory. There, job crafting is defined as a catalysator to the interplay of social support and PsyCap and is therefore added to this study. Moreover, we test the enabling hypothesis of social support in the context of work. We contribute to the field, as this research (a) examines propositions of a core theory, (b) adds and extends relevant hypotheses from health psychology into occupational psychology, and (c) aims to replicate findings. To capture the dynamic nature of the selected, relevant relationships of the job demands-resources theory, we used a three-wave, 3-month panel design to study 995 employees who were working in a broad range of economic sectors and occupations. Structural equation modeling was used to test hypotheses. Results showed, that social support at work positively influenced the development of PsyCap, supporting and extending the enabling hypothesis of self-efficacy. Counterintuitively, PsyCap and crafting for social job resources were negatively related, indicating (a) that the reliance on personal resources might reduce the necessity to generate social resources, and (b) that crafting is a strategy that consumes personal resources. Previously observed gain cycles were not replicable.

Personal and social resources may buffer the adverse effects of childhood cancer and its impact on cognition and quality of life. While childhood cancer survivors show domain-specific cognitive difficulties, little is known about their personal and social resources. We therefore investigated personal and social resources and their association with cognitive and quality-of-life outcomes in childhood cancer survivors. Seventy-eight survivors of childhood cancer of different etiologies (aged 7–16 years; ≥one year since treatment) and fifty-six healthy controls were included. Cognitive outcome was assessed by neuropsychological tests; personal and social resources, as well as health-related quality of life, were assessed by standardized questionnaires. In the social resource domain, peer integration was worse in survivors than in controls (puncorr < 0.04, d = 0.33). Personal resources and all other subscales of social resources did not significantly differ between survivors and controls. In survivors, the global resource score was significantly correlated with processing speed (r = 0.39, pcorr < 0.001) and quality of life (parent: r = 0.44; self-report: r = 0.46; pscorr < 0.001). In controls, no association occurred between resources and cognitive outcome, and the correlation between the global resource score and quality of life did not withstand correction for multiple comparison (parent: r = 0.28; self-report: r = 0.40, psuncorr < 0.001). After an adverse event such as childhood cancer, resources might play a particularly buffering role on cognitive performance and quality of life (when compared to the everyday life of healthy controls). This highlights the importance of interventions that strengthen the resources of children and their families, even years after cancer. Such resource-focused intervention could help to counteract long-term sequelae in cognitive outcomes and health-related quality of life.

Objectives To explores how indirect media exposure to the October 7 massacre in Israeli communities and the State’s failure to protect civilians affected the sense of security and institutional trust among older Israeli adults, and to examine the personal and social resources, that contribute to their coping and adaptation. Method Qualitative phenomenological approach, in-depth interviews were conducted with 16 Israeli residents aged 60 and above. Results Findings revealed two main themes: (1) The undermining of security: psychological distress and institutional distrust in the wake of October 7th; (2) Personal and social resources as pillars of coping and resilience in times of crisis. Each of them was divided into two sub-themes. Conclusion This study emphasized emotional distress and institutional erosion of confidence, and highlighted the moderating role of personal and social resources. Drawing on life experience, emotional regulation and social support, participants demonstrated resilience despite subjection to indirect trauma. Theoretical and practical implications are discussed, emphasizing the role of past experiences and social support in coping strategies.

Along with the salutogenetic approach in health sciences, the quest for factors exerting a protective effect on mental development and health has increasingly gained importance, complementing the study of risk factors. A total of 6,691 children and adolescents aged 11 to 17 years answered questionnaires on personal, social and family resources as part of the German Health Interview and Examination Survey for Children and Adolescents (KiGGS). Children with low socioeconomic status (SES) more frequently show deficits in their personal, social and family resources. Similarly, in children with migration background a higher percentage with poorly developed personal and social protective factors is found. Older children report less family resources but more social resources than younger children; in comparison to boys, girls have more social but less personal resources at their disposal. Clear connections are observed between protective factors and health-related risk-taking behaviour. Deficits in personal and family resources are associated with an increased risk for smoking. Although an increased percentage of smoking and alcohol consuming children and adolescents is found to be associated with well-developed social resources, the risk for drug experiences is not increased. The results prove the necessity to build up protective factors as a preventative measure. Especially in children and adolescents with weak protective factors, an increased risk of mental health problems can be expected in the presence of stressful events.

For everything a season? A month-by-month analysis of social network resources in later life

The growth in access of low income consumers to the internet has taken them to use the net in search of entertainment, education and relationships. However, consuming online is still an activity surrounded by distrust. The present study aims to discuss the reasons why low income consumers have apprehension in consuming through the internet. For this, in depth interviews were conducted with 23 low income consumers. The collected data shows that the internet is still seen by the interviewees as being, mainly, for leisure and entertainment. Online shopping still is a task they fear, because of different motives. Initially, one can point the preference to consume in physical stores, since the consumers can touch the desired product, enjoy the trip to the store as a moment of pleasure and the possibility of interacting with salesmen, who help them in their choice. The apprehensions in buying online are also influenced by the perception that sites are not safe, because they offer threats, such as viruses or theft of personal information. Furthermore, interviewees believe that online stores are not compromised with their customers, since they permit problems to occur in the delivery of merchandise, are not clear about the shopping process, and create difficulties in payment method. Another reason for them not to buy online is the perception that if a negative consuming episode of online shopping happened to someone they know, it is also bound to happen with them. Despite this reasoning, these consumers point the importance of help from a third party in their reference group as main incentive for them to face the obstacles to consuming through the internet. In conclusion, it is possible to consider that low income consumers have apprehensions that are similar to their higher income peers, but, also, show different feelings, which are seldom discussed in the literature about online shopping.

Research has demonstrated that living in a deprived neighborhood contributes to the occurrence and development of poor health. Furthermore evidence shows that social networks are fundamental resources in preventing poor mental health. Neighborhood relationships and networks are vital for sustaining and improving quality of life. However, to determine potentials for public health action, the health impact of various types of network resources need to be explored and the association between socioeconomic position and self-rated health needs to be analysed to determine whether it is partially explained by social network resources. This is the main aim of this article. Cross-sectional data from one deprived neighborhood located in Denmark were collected in 2008 and 2013 using a postal health survey. The target group was defined as adults older than 16 years. In 2008, 408 residents participated in the survey, and 405 residents participated in 2013. Our main explanatory variables were indicators of socioeconomic positions and social network resources. The analyses were conducted using univariate and bivariate analyses and multiple logistic regressions. The results showed that there was a significant decrease in respondents being involuntarily alone during the period from 2008 to 2013. An impact of the association between disposable income and self-rated health was found, showing that low income residents with a better social network also have slightly higher odds of having good self-rated health compared with residents with higher income. This investigation is the first Danish study that repeats a health survey in the same neighborhood to measure possible improvement in health among residents. More longitudinal research is needed in the future to explore the complex relationship between social network resources, social capital and health in neighborhoods.