[pt] Existem, na literatura de Marketing no Brasil, poucos estudos de natureza quantitativa sobre o orçamento das famílias de baixa renda, destacando-se o de Silva e Parente (2007). Entretanto, estudos que considerassem um período em que efeitos do aumento real do salário mínimo, a oferta de crédito e programas sociais recentemente implantados pelo governo brasileiro sobre a forma como essas famílias alocam seu orçamento não foram encontrados. O objetivo desta dissertação foi identificar padrões de consumo de famílias de baixa renda, da região metropolitana do Rio de Janeiro, a partir da composição de seu orçamento, nos anos de 2002/2003 e 2008/2009, e analisar mudanças encontradas nesse período. Com base nos dados fornecidos pela Pesquisa de Orçamentos Familiares (POF/IBGE) e utilizando técnica de análise de grupamentos (cluster), foram identificados os mesmos quatro perfis de consumo nos dois períodos estudados, o que parece confirmar a heterogeneidade do segmento de baixa renda. Verificou-se que os perfis não apresentaram sensíveis mudanças no intervalo estudado, embora tenham surgido evidências de melhora do padrão geral de consumo das famílias de baixa renda e de sua qualidade de vida. / [en] There are, in the brazilian marketing literature, few quantitative studies about the low-income families budget, especially that of Silva and Parente (2007). However, studies that consider a period in which the effects of rising real minimum wage, the supply of credit and social programs recently implemented by the Brazilian government on how these families allocate their budgets were not found. The goal of this dissertation was to identify patterns of low-income families from the metropolitan area of Rio de Janeiro, from the composition of its budget in the years 2002/2003 and 2008/2009, and analyze changes found in this period. Based on data from the Pesquisa de Orçamentos Familiares (POF / IBGE) and using cluster analysis, were identified the same four profiles of consumption in both periods studied, which seems to confirm the heterogeneity of the low income segment . It was found that the profiles did not show sensitive changes in the interval studied, although there have been evidence of improvement of the general pattern of consumption of low-income families and their quality of life.

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Background: Malnutrition is a major problem in Bangladesh. One third of the population in Bangladesh is malnourished, but figures for older persons specifically are scant. Aims: This thesis describes the nutritional status of individuals aged 60+ years, living in a rural community in Bangladesh, with particular focus on the impact of demographic, health and social factors on nutritional status. A main aim is to examine the magnitude of malnutrition in this population. Second, the thesis focuses on the impact of demographic, health and social factors on nutritional status. Third, this thesis also aims to investigate the influence of nutritional status on functional abilities. Methods: A cross-sectional study of people aged 60+ years was conducted in Matlab, a rural area in Bangladesh during 2003-2004. Data were obtained through home interviews, clinical examination and cognitive tests. Nutritional status was assessed using a modified form of the Mini Nutritional Assessment. Physical function was measured by self-reported and performance-based instruments. Cognitive function was assessed using general and specific cognitive tasks. A total of 850 individuals were randomly selected for the purpose of the study, of which 625 participated in the home interviews and 473 underwent clinical examinations and cognitive tests. Information on complete nutritional status was available for 457 individuals. Results: About 26% of older people living in a rural community in Bangladesh were malnourished and 62% were at risk of malnutrition (Studies I-IV). Self-reported health problems (Study I), physician’s diagnoses (Study II), food expenditure (Study I), literacy (Studies I, II), personal income (Study II), female gender (Studies I, II) and financial support (Study II) were significantly associated with nutritional status. Health indicators accounted for the largest variations in nutritional status compared to demographic and socio-economic indicators (Studies I, II). Nutritional status was directly associated with self-reported and performance-based physical functions (Study III), as well as general and specific cognitive functions (Study IV). Conclusion: In low income countries, nutritional status of older persons needs to be addressed both from a health and a socio-economic perspective. Good nutritional status is essential for older persons to be functionally active, both physically and cognitively.

The study is shortly presenting the urbanization-saga and the human settlement progression. It then proceeds to identify different types of tenure and the pertained definitions as such. The thesis will review and assess the strategies for Secure Tenure provided by UN-Habitat on an international and national level, as well as analyze the implementation tools brought forward. Diverse tenure policies and tools will be evaluated with an anchoring in the case study of Malawi and its National Land Policy and the implementation of the same.

The Adair Park neighborhood in southwest Atlanta was designed as a residential enclave for working class whites that has evolved to what it is today: an area primarily inhabited by low-income minorities. Many of its residents have worked to preserve the area's distinctive architectural heritage. Low housing values and vacancies have attracted affordable housing developers such as the Atlanta affiliate of Habitat for Humanity. In response to specific plans for the development of affordable housing in the area, members of Adair Park organized themselves to petition the City of Atlanta to adopt architectural standards that preserved the existing housing stock, and ensured that any new construction would be compatible with the neighborhood's architectural character. This study explores the tensions between inner-city communities and affordable housing developers in the quest for affordable and architecturally significant neighborhoods. The conclusions from this research suggest that the desire of predominately low-income neighborhoods to preserve the architecture character of historically significant neighborhoods may be firmly rooted in middle class aspirations and values. Moreover, the conclusions from this research also suggest non-profit housing developers should consider these attitudes prior to constructing affordable housing in predominately low-income neighborhoods.

This dissertation focuses on the relationship between accessibility to job opportunities, travel mode choices and employment outcomes of the disadvantaged. In past research examining the impact of accessibility on employment outcomes of the underprivileged, it has been an implicit assumption that a poor individual's employment status is directly connected to accessibility to transport modes and job opportunities. This dissertation challenges such a fundamental assumption and argues that due to unique travel needs of the poor, a high level of access to transportation means or job accessibility provided by a given travel mode does not automatically determine the choice of that particular travel mode. What is missing in the existing literature is examination of how accessibility affects travel mode choices for low-income individuals, and how travel mode preferences subsequently influence their employment outcomes. The objective of this dissertation is to shed new light on current understanding of the relationship between transportation and employment of the disadvantaged. The study focuses on explaining what factors influence low-income individuals in their choice of a transportation mode, and more importantly, how modal preferences, along with job accessibility, affect employment of the poor. Household travel survey data from the San Francisco Bay Area and the Atlanta Metropolitan Region were used to examine this interrelationship. The research findings show that higher modal and job accessibility do not always determine the choice of a particular travel mode, defying the assumption of the previous studies. What is important for enhancing one's employment is whether or not a low-income person has regular access to cars and an individual circumstance allows the poor to utilize existing automobiles rather than the efficiency of highway network. In terms of public transportation, higher job accessibility by transit network is associated with better employment outcomes for transit users. Nonetheless, when transit riders had to access transit systems by walking, job accessibility did not have meaningful impact on employment. It is important to note that the impact that job accessibility by transit has on employment is found only in a transit-friendly Bay Area. Policy implication from this dissertation is discussed. / text

This thesis is concerned with the housing and service needs of the poor (slum dwellers) in Bombay and how they are articulated and satisfied. It discusses how the poor perceive the constraints on slum servicing and improvement, their involvement in community organizations, and the role the community and its leaders play in influencing state action. Since housing and servicing issues directly impinge on the interests of politicians and bureaucrats as well as on those of the poor, patterns of provision mirror closely the nature of the relationship between the poor and how political and administrative power operates at various levels. Chapter 1 provides the research aims and objectives while Chapter 2 reviews the literature on community participation. Chapter 3 on Bombay places housing development in context and also serves as background study to the thesis. This research studies three different slum settlements housing migrants to Bombay. Two surveys of these three slum settlements were carried out, involving interviews with 135 households. Chapter 4 describes the characteristics of these households, while chapters 5, 6, and 7 give the arguments of the thesis. It is shown that, despite an established system of representative community organisations and a pro-participation rhetoric in bureaucratic discourse, most slum dwellers are excluded from participating in decision-making. A patron-client relationship exists between politicians, bureaucrats and community leaders, both in determining the community leaders' power as well as the level of services and physical benefits that he/she could win for the slum community. Leaders are generally better educated, better employed, more prosperous and highly motivated than most of their community. The NGO in this study has acted mainly as intermediary between the government and the slum-dwellers.

M. Tech. Business Administration / Review of literature shows that traditional commercial banks in South Africa do not serve low-income earners, micro-entrepreneurs and the poor (collectively referred to as the unbanked population), mostly due to the high cost involved in rendering such services to the poor. South Africa's unbanked population is estimated to be more than 13-million people who have no access to either banking or insurance products. But it appears as if the big four banks have been slow to tap into this potential, preferring to battle for market share among existing customers, competing for a larger slice of an existing cake. At the same time, Capitec Bank is trying its best to fill the gap left open by the big four South African banks. The objective of this research is to explore the innovative banking services and products that have been developed by Capitec Bank with a view to be of service to the unbanked population of South Africa.

This study empirically tested Benard’s (1991, 2004) theory of resilience and youth development by examining the influence of caring relationships, high expectations and opportunities for participation and contribution within the schools on the mathematics achievement and timely graduation of public high school students. Additional analyses focused on subsamples of students who were at risk of academic failure and school dropout—students from the lowest socioeconomic quartile, African American and Hispanic students, and a generic at-risk sample that includes students from these three groups plus students who had nontraditional families, had a disability, or were retained a grade in school. The study used data from the Educational Longitudinal Study: 2002, which was designed to monitor young people as they transition from tenth grade to postsecondary education and/or employment. Hierarchical Linear Models and Hierarchical Generalized Linear Models were used for the analyses. Experiences within the schools that conveyed caring relationships, high expectations, and opportunities for participation and contribution were associated with higher senior year mathematics achievement scores and increased odds of timely graduation for the overall public school sample and for the at-risk groups. Suggestions are made for increasing caring relationships, high expectations, and opportunities for participation and contribution within the schools. The limitations of this study and directions for further research are also discussed. / text

The research followed up a local development initiative in Maracaibo, Venezuela, named Programa Promoción de la Ciudadanía Plena (Promotion of Full Citizenship Program), a joint initiative that has sought to bring the population of low-income communities to the sphere of citizen participation with a revaluation of citizenship and the promotion of participation. The research included first, a preliminary bibliographical review of the theoretical framework to understand the significance of citizenship and participation at the community level and the implications of organizational development and self-improvement approaches in development projects and institutions, and second, the review of the principles of the local program and the social-economic data of the four communities considered in the study. The results of a preliminary survey (secondary data provided by the municipality) of adult heads of household from the four communities, who openly expressed to the institutions their interest in participating and benefiting from the program, and the passive observation of local meetings and workshops in the communities contributed to the analysis. A series of open-ended interviews to facilitators (3 individuals) were conducted in 2006 in order to assess the facilitator's identification with the program's objectives and the possible bond between the learning assumptions and their personal experiences while working in these communities. That same year, a final series of open-ended interviews to a sample group of 39 beneficiaries (30% of the group that successfully completed the citizenship and technical education), provided the input to assess the impact of the program in the motivation of people toward participation and self-improvement. In these events, information was extracted, which contributed to the evaluation of people's expectations and attitudes, as they differed or not from the initial condition. A methodological guideline, in the form of field notes and questionnaires, was needed to address and manage conversation and dialogue. Following an interpretive and constructivist approach, evidence was inferred from the logic of the narratives gathered in meetings and interviews, and a coded frequency of responses. Findings suggest that the initiative strengthened local people's empowerment by involving them in the collaborative identification of problems and issues affecting their lives, in all activities planned to tie the relationship among stakeholders, and in every recognition and public ceremony. People's improvement depended on economic growth, but it was necessary that beneficiaries develop and exercise their capacities, abilities, knowledge, information and motivation, which were necessary conditions to improve the quality of life of local residents, and consequently, to strengthen the local social capital. Project agents did it with a respectful dialogue in the decision-making concerning the design and construction proposal, and recognizing people's own capacities, which assured collaboration and feedback. People did not participate unless they believed that an interest or individual benefit was possible; and for them, the immediate interest was economic. People associated changes to the following values --from high to low frequency of response: being more confident, reaching mutual support, improving communication, strengthening unity, consciousness, and achieving better social relations. Empowerment of the individual as head of household was strengthened by his or her involvement in the collaborative identification of household limitations and housing-related issues. Nevertheless, beyond the individual and household levels, the success of the educational strategy was not sufficiently effective to reach changes on people's attitude and motivation to confront and interact in the solution of community-related issues, but the increase of 6 percent in this indicator indicated that change was possible but required the sustainability of the educational approach in the communities. By the time the field research ended, a perceivable empowerment and partnership approach, with all the complex administrative and intellectual assumptions, guided Ciudadanía Plena toward its set goals. The attention and dedication in the four barrios were based on the need to materialize an ideal that was expected to expand in order to reach more communities in the near future. The transparency, the material incentive and the citizenship education to achieve self-improvement and empowerment were key elements to achieve change and improvement. / text