Financial Limitations Research Articles

Unveiling housing preferences amidst flood risks: an empirical study in an emerging market

Purpose This study investigates the interplay between flood risk, financial constraints and buyer behavior in the housing market. It aims to discern how flood experience influences housing choices, particularly among financially constrained buyers. Design/methodology/approach Using hedonic pricing models and probit analysis, this research examines the implicit prices of house characteristics and evaluates the determinants of housing choices, considering factors such as flood risk, financial status and past flood experience. Findings The study underscores that lower house prices incentivize buyers to opt for homes in flood-prone areas, thereby increasing their vulnerability to flood risks. Consequently, financial constraints exacerbate this situation, compelling low-income buyers to accept higher flood risks. However, flood experience fosters risk awareness among buyers, encouraging them to steer clear of flood-prone areas, albeit with lesser efficacy among financially constrained individuals. Originality/value This research contributes to the understanding of how flood risk and financial limitations shape housing decisions. It highlights the role of flood experience in influencing buyer behavior and emphasizes the need for targeted policies to mitigate flood-related risks in the housing market, particularly among economically vulnerable populations.

Who buys fakes in Russia and why?

The recent departure of international brands from the Russian markets is unprecedentedly; its consequences require thoroughly study, especially in the context of consumer behavior towards non-original goods. This paper analyzes the dynamics of counterfeit purchases in Russia in 2021—2023 and socio-economic factors that explain the purchase of fakes, given that the latter differ from standard economic goods with high symbolic value. Quantitative data representing the Russian Internet audience aged 18 years and older is used. Three waves of the online survey were conducted: in 2021 (N = 4978 people), 2022 (N = 6000 people) and 2023 (N = 6000 people). According to the results, the purchase of counterfeits is a widespread phenomenon in Russia. Russians purchase non-original goods mostly unintentionally, although in the last two years of the survey there have been structural shifts towards their knowingly buying. With the help of multinomial regression, factors for purchasing counterfeits were revealed. The availability of counterfeits on the Internet and the financial limitations of Russian households contribute to expanding the audience of consumers of non-original goods, whereas a focus on high quality when choosing goods reduces the number of buyers of counterfeits. The role of well-known brands in the consumption of counterfeit products remains ambivalent

Green finance and ESG performance: A quasi-natural experiment on the influence of green financing pilot zones

Environmental, Social, and Governance (ESG) performance are major elements of green finance policies. It effectively aligns the financial incentives with the sustainable development goals. This study focuses on how green financing policies affect green innovation and business environmental performance. This study uses the difference-in-differences model to examine how green finance policy affects the ESG performance of enterprises. The results show that companies in economically better-developed pilot zones, state-owned enterprises (SOEs), and those with fewer financial limitations drive more robust ESG performance based on the triple differences technique. The pilot program improves ESG performance despite tightening budgetary restrictions based on mechanism analysis. Thus, green finance policy positively impacts ESG performance, having better performance in state-owned enterprises (SOEs) in China. Policymakers should prioritize targeted green finance policies to boost ESG performance and support maximum environmental impacts.

Perceptions And Interests Of Young Entrepreneurs In Sharia-Based Business Finance

This study analyses the perception and interest of young entrepreneurs in Sharia-based business financing at BSI in Sungai Penuh City, Jambi. This study uses a qualitative approach with primary data from interviews. Interviews were conducted directly with six informants. The data analysis technique uses the Miles and Huberman approach with the following stages: data reduction, data presentation, verification, and conclusion. The results of the study indicate that the perception of young entrepreneurs towards Sharia-based loans is generally very positive; they understand the basic principles of Sharia in financing without interest and the application of profit sharing. Young entrepreneurs also recognize the benefits of sharia financing, such as easy access and simple procedures. On the other hand, the interest of young entrepreneurs in Sharia financing is still relatively low. This is due to the need for more socialization and support from Sharia financial institutions and limited financing options. Theoretically, this study can be used as a reference for relevant research in the future. Practically, this study can be a reference for Sharia financial institutions in designing marketing strategies and developing financing products that meet prospective customers' needs so that they can have a positive impact and increase interest and awareness of the importance of Sharia financing among young entrepreneurs.

A qualitative study of the barriers and facilitators for women with a disability seeking sexual and reproductive health services in Addis Ababa, Ethiopia

BackgroundThe need to advance the sexual and reproductive health (SRH) and rights of women with a disability is becoming more widely recognized. Regrettably, in low- and middle-income settings like Ethiopia, several barriers impede women with a disability (WWDs) from receiving SRH services and care.ObjectivesThis study aims to explore barriers and enablers for women with a disability to access sexual and reproductive health services in Addis Ababa, Ethiopia.MethodsA qualitative phenomenological study was conducted among the purposively selected reproductive age (18–49) group of WWDs living in Addis Ababa who were members of the Ethiopian National Association of Persons with physical disabilities and the Ethiopian National Association for Blind. Ten in-depth interviews, and 2 focus group discussions, were conducted using an interview guide. The analysis involved the use of both a priori codes (from the theory) and emergent inductive codes (from the question guide).ResultsIn this study, several barriers were identified as keeping participants from accessing SRH services, such as unfavorable community views, organizational barriers in health facilities [HFs], financial limitations, transportation problems, and a lack of knowledge about the SRH programs that are available. The enabling factors that made WWDs access SRH services include social support and networking, access to education, positive providers' attitudes, and women's self-confidence/Assertiveness.ConclusionThe study reveals that financial problems brought on by inadequate health insurance coverage, economic hardship, the expense of transportation to the health facility, and the lack of preferential treatment at the health facility are some of the hurdles that WWDs face while accessing SRH services and care. To address these problems and promote SRH access, measures should be taken to decrease financial barriers, improve physical access, and build strong relationships with the community, the church, and healthcare providers.

Swimming Proficiency and Self-reported Mental Health Outcomes in Chinese Individuals

This researh examines the relationship between swimming proficiency and self-reported mental health outcomes in Chinese adults, considering different demographic variables. A descriptive-correlational research technique was used to recruit a varied sample from various areas and backgrounds in China. Systematic surveys evaluated swimming proficiency in multiple aspects, such as water confidence, breath control, body positioning, propulsion, coordination, and safety awareness. Additionally, self-reported mental health outcomes were measured, including emotional well-being, life satisfaction, self-esteem, sense of purpose, resilience, and social connectivity. The findings suggest that respondents usually have high confidence and proficiency in swimming abilities. However, there needs to be more understanding of safety measures, highlighting the need to enhance education on recognizing hazards and following safety procedures. Although respondents were skilled swimmers, they said that participating in swimming activities did not substantially impact their mental well-being, self-esteem, sense of purpose, resilience, or social connectivity. Nevertheless, a significant correlation between swimming proficiency and mental health outcomes was established, indicating that enhancing swimming abilities might benefit mental well-being. The study revealed many primary obstacles to participation in swimming, such as financial limitations, cultural and societal expectations, difficulties in accessing facilities, safety and health worries, and educational and psychological hindrances. The obstacles differ across different demographic groups, emphasizing the need for focused solutions.

Robots in Public Libraries: An Empirical Analysis of Current Applications and Future Opportunities

ABSTRACT The paper investigated the current application of robots in public libraries with specific consideration of its future opportunities. Three (3) objectives guided the conduct of the study. The study employed a qualitative research approach. The population for the study comprised librarians who have been certified by the Librarian Registration Council of Nigeria (LRCN) and worked at public library boards. Thematic analysis and content analysis techniques were adopted for this study. The study found that robots bring various advantages, including increased operational efficiency and streamlined access to information, as well as interactive educational opportunities and heightened user involvement. The findings indicate that embracing robotic technology enables public libraries to establish more accessible, dynamic, and user-focused environments, fostering an atmosphere of innovation and technological progress within the realm of information services. It could be concluded that the integration of robots in public libraries plays a vital role in modernizing and improving library services to meet the evolving demands of library users and communities. However, library stakeholders must address potential obstacles, including financial limitations, technological preparedness, and user acceptance. Prioritizing the training of staff, fostering community involvement, and establishing clear policy frameworks enables public libraries to effectively navigate the challenges related to incorporating robotics, ensuring a smooth transition toward a technologically advanced and user-focused library environment.

Sustainability nexus AID: infrastructure resilience

Infrastructure resilience advanced through nexus thinking is pivotal for societies to handle disruptions and ensure sustainable functionality. This interconnected approach understands infrastructure as an interdependent complex system and enables cooperative planning to achieve resilience. However, challenges like data inadequacy, financial limitations and governance issues impede its adoption, especially in developing regions. The United Nations University (UNU) Sustainability Nexus Analytics, Informatics and Data (AID) Programme strives to promote integrated resource management for sustainable development and fulfilling the UN 2030 Agenda. Through its Infrastructure Resilience Module, the initiative provides tools, data platforms and localised capacity building to empower professionals and communities for evidence-based, collaborative decision-making accounting for intersectoral relationships. By supporting context-specific analytical capabilities, bridging data gaps, and governance silos, the programme aims to pave the way for resilient and sustainable infrastructure development, particularly across vulnerable regions in the Global South, which face disproportionate infrastructure service disruptions.

The Evolution and Challenges of Women Legislators in Bihar: A Historical Analysis

This paper explores the role of women legislators in Bihar, India, from the first general election in 1952 to the present. It examines how women’s participation in the state assembly has changed over time and the challenges they have faced. In the early years, women had very limited representation in Bihar’s politics, mainly due to patriarchal norms, caste discrimination, and a lack of political opportunities. The 73rd and 74th Constitutional Amendments in the 1990s, which introduced reservations for women in local governance, helped increase their participation, particularly at the grassroots level. However, at the state level, progress has been slow. As of 2020, women held only 10.7% of seats in the Bihar Legislative Assembly. Despite these challenges, women legislators have made important contributions, especially in areas like education, healthcare, and social welfare. This study also highlights barriers such as caste and gender bias, financial limitations, and a lack of support from political parties. Finally, the paper suggests policy changes, such as stronger reservation enforcement and more support for women candidates, to improve women’s representation in Bihar. Women in politics, Bihar, Political representation, Gender inequality

Adoption of Lean Construction and AI/IoT Technologies in Iran’s Public Construction Sector: A Mixed-Methods Approach Using Fuzzy Logic

The construction sector in Iran faces substantial inefficiencies, including high material wastage, posing environmental and economic risks. This study investigated the adoption of Lean Construction (LC) practices and AI/IoT technologies in Iran’s public construction sector using a mixed-methods approach. This research examined the organizational, technical, and infrastructural factors across four key provinces—Tehran, Isfahan, Khorasan Razavi, and Fars—and employed fuzzy logic to address the uncertainties in adoption decisions. Data from 28 key stakeholder interviews were analyzed using Python 3.9, with libraries such as Pandas 1.3.3, NumPy 1.21.2, and skfuzzy 0.4.2 for the statistical analysis and NVivo 12 for the thematic coding. The analysis revealed that organizational readiness and leadership support were the critical drivers of adoption, particularly in Isfahan and Khorasan Razavi, which exhibited the highest adoption likelihood scores (0.5000). Tehran and Fars showed slightly lower scores due to regulatory barriers and financial limitations. The findings highlight the need for targeted leadership training, regulatory reforms, and infrastructure investments to accelerate the adoption of these technologies. This study aligned with the Sustainable Development Goals (SDG 9: Industry, Innovation, and Infrastructure and SDG 11: Sustainable Cities and Communities) by offering practical recommendations for advancing sustainable practices in Iran’s construction sector. The insights provided have broader implications for other developing economies facing similar challenges, contributing to global efforts toward sustainable development.

Research on the Application and Innovation of Environmental Design in Ideological and Political Work in Universities

As higher education continues to evolve, the effective integration of environmental design and ideological and political work has become a key issue for enhancing educational outcomes. This paper delves into the theoretical foundations, current status, and applications of environmental design in conjunction with ideological and political work, proposing innovative models and strategies. First, the article analyzes the core theories of environmental design, including environmental psychology, spatial cognition, and environmental behavior theory, and explores their intersection with ideological and political education theory, educational psychology, and socio-cultural theory. Second, the paper evaluates the current state of environmental design in universities, identifying the effectiveness and challenges, such as insufficient alignment with objectives, technical and financial limitations, and imperfect evaluation mechanisms. Lastly, the article introduces innovative models like thematic design, functional zoning, and immersive experience design, suggesting interdisciplinary integration, intelligent design, and community feedback mechanisms as strategies for innovation. Practical guidance and policy recommendations are provided to promote the deeper application of environmental design in ideological and political education.

The Use of Artificial Intelligence in Financial Statement Audit

The rapid advancement of Artificial Intelligence (AI) has transformed various industries, including financial auditing, by improving efficiency, accuracy, and fraud detection. This study investigates the extent of AI adoption in financial audits in Indonesia, with a focus on both Big 4 audit firms and smaller, local firms. Through a literature review and interviews with auditors from eight firms, the research explores the current state of AI utilization and the barriers to its implementation. The results indicate that while Big 4 firms are in the developmental phase of integrating AI into their auditing processes, smaller firms face significant obstacles, such as financial limitations, lack of expertise, and regulatory uncertainties, which hinder AI adoption. Despite the challenges, auditors from larger firms anticipate that AI will play a crucial role in future audits. The study concludes that AI adoption in Indonesian financial audits is uneven, and further efforts are required to support smaller firms through accessible AI tools, clearer regulations, and targeted training. These measures are essential for closing the gap in audit quality between large and small firms, ensuring broader AI implementation in the auditing sector.

Beyond the Bite: Exploring Mental Health of Dental Faculty in Pakistan– a multi-institutional study

IntroductionMental health issues are being reported increasingly amongst healthcare staff and students globally. The aim of this study was to investigate the frequency of common mental health issues amongst dental faculty members at multiple institutions in Pakistan.MethodsFollowing approval from the institutional ethics review board, dental faculty members at 14 dental institutions were invited to participate in an online survey based on globally validated scales for mental health problems including the Patient Health Questionnaire (PHQ-9), and the Depression, Anxiety, and Stress Scale (DASS-21). Two open-ended questions were included in the survey to identify perceived factors contributing to poor mental health and recommendations for improving institutional support.ResultsA total of 200 faculty members out of provided their responses to the survey questionnaire but complete responses were provided by 183 participants which included 120 (65.57%) females, and 63 (34.43%) males. The total number of faculty members at the participating institutions was 426 and 183 responses translated into an overall response rate of 43%. Most participants were in the 31–40 years age-group (n = 81, 44.26%) followed by 25–30 year (n = 51, 22.87%) and 41–50 years (n = 40, 21.86%). The mean score on PHQ-9 was 6.51 (SD ± 5.4) while the mean DASS-21 score was 13.04 (SD ± 10.95). PHQ-9 Depression, and DASS-21 Depression, Anxiety, and Stress scores were all significantly positively correlated for the whole sample, and within each subgroup of each demographic factor. Job-related workload, lack of institutional support, financial limitations, and poor work life balance were identified as the main factors contributing adversely to the mental health of the participants.DiscussionThis study provides useful insights into the scale of mental health status amongst dental faculty members at 14 institutions in Pakistan. Underlying factors affecting the mental health of faculty members adversely were identified and recommendations are provided to address these challenges.

Experiences of participants in an agricultural livelihood support initiative for people living with HIV in central Uganda

This study aimed at assessing the experiences of people living with HIV who participated in an agricultural livelihood support initiative in selected districts of Uganda. The initiative, implemented from 2017 to 2018, involved the provision of agricultural inputs such as beans, cassava cuttings, goats, chickens, and pigs to participants. In-depth interviews were conducted with 37 people (28 women and 9 men) from the districts of Kampala, Masaka and Wakiso (specifically Entebbe) in central Uganda, who had participated in the project. Data were analysed thematically focusing on facilitators, challenges and outcomes from the project. The following themes emerged as facilitators: access to land and animal feed, prior farming experience and supportive family and friends. Some participants experienced challenges including animal/poultry diseases, livestock theft, “low quality” agricultural inputs, unfavourable weather conditions, limited finance and land to support livelihood activities and difficulties working in groups. Several participants reported positive livelihood outcomes including improved food security, better nutrition, increased income and improved mental health. However, some participants reported negative outcomes which took the form of a loss of money and time invested when their livestock died from disease. Although participants in the agricultural livelihood initiative faced challenges which reduced the profitability of their projects, the initiative was regarded as beneficial and worthwhile. These findings have relevance to the broader field of livelihoods programming. Future interventions can draw from the experiences of our participants while also taking seriously into consideration the different circumstances of individuals in a targeted population so as to increase the chances of producing more positive outcomes.

Inclusion of Individuals With Lived Experiences in the Development of a Digital Intervention for Co-Occurring Depression and Cannabis Use: Mixed Methods Investigation.

Existing interventions for co-occurring depression and cannabis use often do not treat both disorders simultaneously and can result in higher rates of symptom relapse. Traditional in-person interventions are often difficult to obtain due to financial and time limitations, which may further prevent individuals with co-occurring depression and cannabis use from receiving adequate treatment. Digital interventions can increase the scalability and accessibility for these individuals, but few digital interventions exist to treat both disorders simultaneously. Targeting transdiagnostic processes of these disorders with a digital intervention-specifically positive valence system dysfunction-may yield improved access and outcomes. Recent research has highlighted a need for the inclusion of individuals with lived experiences to assist in the co-design of interventions to enhance scalability and relevance of an intervention. Thus, the purpose of this study is to describe the process of eliciting feedback from individuals with elevated depressed symptoms and cannabis use and co-designing a digital intervention, Amplification of Positivity-Cannabis Use Disorder (AMP-C), focused on improving positive valence system dysfunction in these disorders. Ten individuals who endorsed moderate to severe depressive symptoms and regular cannabis use (2-3×/week) were recruited online via Meta ads. Using a mixed methods approach, participants completed a 1-hour mixed methods interview over Zoom (Zoom Technologies Inc) where they gave their feedback and suggestions for the development of a mental health app, based on an existing treatment targeting positive valence system dysfunction, for depressive symptoms and cannabis use. The qualitative approach allowed for a broader investigation of participants' wants and needs regarding the engagement and scalability of AMP-C, and the quantitative approach allowed for specific ratings of intervention components to be potentially included. Participants perceived the 13 different components of AMP-C as overall helpful (mean 3.9-4.4, SD 0.5-1.1) and interesting (mean 4.0-4.9, SD 0.3-1.1) on a scale from 1 (not at all) to 5 (extremely). They gave qualitative feedback for increasing engagement in the app, including adding a social component, using notifications, and being able to track their symptoms and progress over time. This study highlights the importance of including individuals with lived experiences in the development of interventions, including digital interventions. This inclusion resulted in valuable feedback and suggestions for improving the proposed digital intervention targeting the positive valence system, AMP-C, to better match the wants and needs of individuals with depressive symptoms and cannabis use.

Dissemination of medical research findings among medical researchers in a tertiary institution in Uganda

Background: Dissemination of research findings is a key obligation for researchers. It increases access to evidence and the ability to use and apply the evidence. Repackaging of research findings to inform policy and practice is not yet embraced in many low-and-middle income countries that have under-resourced health care systems. Objective: To determine the methods of communication of research findings by researchers at the Makerere University College of Health Sciences as well as the facilitators and barriers faced while disseminating the findings. Methods: This was a concurrent nested mixed-methods study among researchers. Key informant interviews and self-administered questionnaires were used. The collected Qualitative data was examined through thematic analysis. Quantitative data were analysed with STATA version 15.0, analysing categorical variables using frequencies and percentages. Results: Of 176 researchers involved in the quantitative survey, more than half (60%, n=106) were males and 40.9%(n=84/176) were lecturers. The most used dissemination method was journal publications (71.6%, n=126) followed by presentations in conferences/workshops (62.5%, n=110). Twelve researchers participated as key informant interviewees. Themes that emerged included: benefits, facilitators and challenges faced in research communication. Conclusions: Research findings are commonly disseminated through journals and conference presentations. However, researchers face challenges like financial constraints, time limitations, and misrepresentation of findings. Keywords: Dissemination of medical research; Journal Publication; Community engagement.

The dual effect of COVID-19: Diverse digitalization approaches in micro- and small businesses

ABSTRACT This study empirically examines the controversial impact of the pandemic on the digitalization of micro- and small enterprises (MSEs) in the Canton of Fribourg, Switzerland. Previous research suggests that the COVID-19 pandemic has accelerated digital transformation while also amplifying preexisting vulnerabilities among MSEs. Several MSEs benefited greatly from digitalization to survive; others faced serious obstacles because of preexisting financial and technological limitations. Our study reveals that, on the one hand, micro-enterprises exhibited greater levels of digitalization compared to their larger counterparts, mitigating the “liability of smallness” through greater flexibility and adaptability. On the other hand, financial and organizational structure constraints limited the broader digital adoption among small enterprises that prioritized short-term survival over strategic transformation. These insights underscore the need for targeted policies to address the digitalization challenges faced by MSEs, focusing on improving access to digital infrastructure and enhancing their antifragility in the face of future crises.

Diagnosis of pleural tuberculosis in the era of thoracoscopic surgery

Background Before thoracoscopic surgery, diagnosing tuberculous (TB) pleurisy was a medical challenge. Thoracoscopy is the most accurate but expensive method for TB pleurisy diagnosis. TB is common in low-income countries, where financial limitations prevent the use of thoracoscopy, motivating the search for a cheaper alternative. Patients and methods A prospective study was done from January 2019 to January 2023 to evaluate diagnostic methods for patients with exudative pleural effusions (PE) of unknown etiologies. The demographic, radiological, procedural, and histological data of exudative PE patients were analyzed. All patients were examined for adenosine deaminase (ADA) and lymphocyte/neutrophil ratio in pleural fluid. Ultrasound-guided Abrams needle biopsy and video-assisted thoracoscopic surgery pleural biopsies were obtained, and histopathological results were assessed. Results Of 250 patients with PE, 161 (64%) had TB PE, 72 (28.8%) had malignant PE, and 17 (6.8%) had idiopathic PE. Sensitivity of ADA (≥40 U/l) was 88%, lymphocyte/neutrophil ratio (≥0.75) was 86.1%, and their overall sensitivity was 91%. They had 93.2, 86.3, and 100% specificity, respectively. For ultrasound-guided Abrams needle biopsy, the sensitivity of histopathology, culture, and combined histopathology/culture was 66, 46.5, and 78.4%, respectively. All were 100% specific. For thoracoscopic biopsy, the sensitivity of histopathology, culture, and combined histopathology/culture was 100, 86.6, and 100%, respectively. All were 100% specific. The assay sensitivity of pleural fluid and tissue Xpert Mycobacterium tuberculosis/rifampin resistance was 12.5 and 49.7%, respectively. Both were 100% specific. Combining ADA more than or equal to 40 U/l, lymphocyte/neutrophil ratio more than or equal to 0.75, and an ultrasound-guided Abrams needle biopsy yielded 92.4% sensitivity and 100% specificity. Conclusion Combining pleural fluid ADA more than or equal to 40 U/l, lymphocyte/neutrophil ratio more than or equal to 0.75, and ultrasound-guided Abrams needle biopsy can accurately detect TB PE in high-TB populations. It may be an affordable alternative to thoracoscopy in countries with limited resources.

Beyond the screen: a comparative study of the student's perception of online education effectiveness in pre- and post-pandemic times

This research was carried out to compare the effectiveness of online education in pre- and post-pandemic periods as perceived by the students of higher education institutions in developing countries facing financial and technological limitations. For this purpose, time-lagged data from 288 students of higher education institutions were collected and analysed in SPSS version 26 using the paired sample t-test for differences. Using adapted questionnaires, the effectiveness of online education was assessed in terms of blended learning, goal setting, interaction, time management, self-evaluation, learning environment, skills to use online learning tools, quality of learning technologies, and learning motivation. Results indicate that students' perception significantly differs during the pandemic compared to the pre-pandemic period, compared to all dimensions of online education. It was found that the students, teachers, and institutions have acquired the requisite knowledge, skills, and technology during the pandemic. Therefore, the usefulness of online education has improved in the post-pandemic period. These results significantly affect all stakeholders, including students, teachers, researchers, institutions, and policymakers. The study suggests continuing blended learning systems in higher education institutions to ensure extended access to equitable education and the sustainability of online learning practices.

Information and communication technology among MSMEs: Drivers and Barriers

There is an increasing trend of Information and Communication Technology (ICT) among micro, small, and medium enterprises (MSMEs) today. However, implementing ICT in MSMEs is still challenging due to financial and resource limitations. This study identifies and analyzes the driving and inhibiting factors affecting ICT implementation in MSMEs. Data from 175 MSMEs were analyzed using quantitative descriptive techniques in percentages and smart PLS for confirmatory factor analysis (CFA). Based on the analysis results, nine driving factors and eleven inhibiting factors for ICT adoption in MSMEs were found. Although much research has been conducted in the field of ICT, there is still a need to adjust strategies and policies that can support ICT adoption for MSMEs, especially in developing countries.