Thesis (Ph. D.)--University of Wisconsin--Madison, 1974. / Typescript. Vita. eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references.

Thesis--Wisconsin. / Vita. Includes bibliographical references (leaves 135-144).

This study aimed to investigate the adoption and the use of first-order retail banking product by those individuals who are classified as being low-income earners and who reside (for the purposes of employment) in urban and periurban areas. The Financial Sector Charter of 2003 stated that the improvement and consequent increase in the access to formal financial services could contribute towards sustained economic growth, development and social transformation in South Africa. The purpose of this research is to gain insight into the adoption and usage of first-order retail banking products in an effort to better understand what could be done to improve access to these services and products. A total of 140 individuals across three sectors were interviewed with regards to their adoption of, use of and perceptions of banking institutions and bank accounts in South Africa. The results, in graphic form, were analysed in order to discern similarities and / or discrepancies so that conclusions could be drawn. It was concluded that while banking institutions and bank accounts were seen in a positive light, perceptions regarding the purpose and functionality of banking institutions and bank accounts as well as the available products and their usage, came across as being the largest hindrance to first-order retail banking product adoption and usage amongst low-income individuals in the urban and peri-urban areas. / Dissertation (MBA)--University of Pretoria, 2010. / Gordon Institute of Business Science (GIBS) / unrestricted

M.Com. (Business Management) / Mobile marketing has rapidly grown during the past years, and will continue to grow with advancements in technology, enabling mobile phones to be used for much more than simple calls and personal text messaging. This study investigates how a mobile marketing company, Mobitainment, can successfully communicate, through mobile marketing initiatives, with the lower income segments. The various characteristics of the lower income segment are understood, and the possible strategies that Mobitainment can implement, are established. Strategy is a crucial element in every business unit of an organisation. The marketing department is no exception. Porter’s Five Forces model provides the basis from which companies can get to understand their operating environment prior to developing the appropriate marketing strategy. It is through the marketer’s understanding of the consumer behaviour as well as the various message appeal factors, that the appropriate mobile marketing message can be designed. The study used a mixed research approach in that both qualitative and quantitative research methods were used to address the objectives. The qualitative part of the study entailed the use of semistructured interviews in order to collect information from marketing managers working in different mobile marketing organisations. The quantitative part involved the administration of a questionnaire on consumers in the LSM 4 to 6 segments. Five semi-structured interviews were conducted and a hundred and forty questionnaires were distributed. The questionnaires were distributed to individuals in Tsakane, Daveyton, Springs and Johannesburg. The quantitative data was analysed using two main tools, descriptive statistical analysis and correlation analysis, whilst the qualitative data was analysed using thematic analysis. The findings of the quantitative study found that many of the individuals in the LSM 4-6 segments own mobile phones which are able to perform the functions found in smartphones such as send and receive emails as well as access the Internet; the LSM 4-6 segments do not have a strong attitude for or against mobile marketing; mobile marketing communication has an influence on the buying behaviour of the LSM 4-6 segments; the message appeal factors are a crucial part of driving consumers to make a purchase, and ‘relevance’ has the strongest influence on the LSM 4-6 segment’s buying behaviour. The results of the qualitative study show that there are several challenges that Mobitainment can face when targeting the lower income segment such as the literacy levels of the lower income segment and survey fraud. SMS, USSD, MMS, IVR and Mobile Applications were identified to be suitable strategies to implement when targeting the lower income segment. The above strategies ‘fit’ with the preferences and buyer behaviour of the LSM 4-6, and the recommended strategies can be used with discounts, vouchers and other incentives to drive the buying behaviour of the LSM 4-6.

No description available.

Thesis (M.S.)--Virginia Polytechnic Institute and State University, 1992. / Vita. Abstract. Includes bibliographical references (leaves 59-64). Also available via the Internet.

Firms targeting high-income consumers are finding their markets becoming increasingly saturated and this has caused a shift in focus to the extensive base of low-income consumers. The opportunity and wealth that is present in the low-income segment has been iterated in numerous instances, yet the challenges to compete in this market are plentiful. To better understand the low-income market and their needs, firms need to develop strong market sensing capabilities that allow them to interpret and develop insights into this market. This report seeks to better understand the adaptive and dynamic nature of these market sensing capabilities and how firms are using these to compete in low-income markets. A qualitative design was followed where 12 senior managers from 11 firms competing in the South African low-income market were interviewed. This was facilitated by a semi-structured in-depth interview method. An inductive and deductive analysis approach was used to interpret the findings against existing models, as well as to discover new themes emerging from the data. The findings included three key themes: the use of mixed method market sensing practices to adapt to the market; improving the capability through continuous sensing, responding and learning; and influencing success by creating an adaptive internal environment. Based on these findings, a framework for competing in low-income markets using market sensing capabilities was constructed. / Dissertation (MBA)--University of Pretoria, 2013. / zkgibs2014 / Gordon Institute of Business Science (GIBS) / MBA / Unrestricted

There was growing concern in New Zealand in the 1990�s that Food Security: access by all people at all times to enough food for an active healthy life, was not being achieved, despite an abundant food supply. A study of a convenience sample of 40 families with children (58 adults and 92 children) whose sole income was a government welfare benefit was undertaken. Two-thirds of these households regularly relied on a limited variety of food; one-half did not have a sufficient amount of food because of lack of money and outstanding debts. Over the previous year two-thirds had sourced food from a food bank and one-third had been gifted food from friends or relatives. Women�s intakes were compromised regularly but not children�s. All of the women experienced worry about feeding their household. One-fifth were overweight and over 40% obese despite low reported daily energy intakes (median (SE) 5.7 (0.5) MJ) compared to national data. Six repeated 24-hour diet recalls collected randomly over a two-week period enabled calculation of usual daily intake and the prevalence of inadequate intake for eight micronutrients which were disturbingly high. The children�s growth patterns compared favourably with US population percentiles. The National Nutrition Survey (NNS97) allowed the adaption of eight questions--developed by Reid using qualitative methods--to eight indicator statements about food security to be addressed by each participant on behalf of them or their household. Prevalence was significantly higher (p<0.05) for females compared to males for the majority of indicator statements among New Zealand European and Others (NZEO) and Maori. NZEO reported the most food security; Pacific people reported the least and Maori fell between the two. There was a significant increasing linear trend of food security with age (p<0.001) after adjusting for gender. Rasch analysis was performed on 1868 households where participants reported some food insecurity. The responses were ranked according to the proportion and ordering of their positive responses to eight indices of food security, achieving reliability (Cronbach�s Alpha) close to the conventionally accepted level of 0.7. The eight indices were ranked on the same scale; the minimum score -1.66 was achieved by the index �use special food grants/banks� (the index least reported and most severe) and the maximum score 1.86 was achieved by the index �variety of foods eaten limited� (the index most reported and least severe). Categories of food security were assigned using scale cut points: �fully/almost fully food secure�; �moderate food security�; �low food security�. Category status was associated with consumption of recommended number of daily serves of fruit, vegetables, fruits and vegetables, consumption of leaner meats, fatty meats and daily serves of bread. By ANOVA and controlling for sex, ethnicity, Index of Deprivation, urban/rural location, age, level of education, income, and household size, category of household food security was associated with the level of daily intake of total fat, saturated, monounsaturated and polyunsaturated fat, cholesterol, glucose, fructose, lactose, vitamin B6, vitamin B12, and vitamin C. Dietary data were from the primary 24-hour diet recall of respondents. Participants in the fully/almost fully food secure category of households had a mean BMI of 28.7 compared to those moderately secure (29.2) and of low food security (29.5) (p=0.015 for difference among categories). In the Children�s Nutrition Survey 2002 (CNS02) data set, the same eight indices were used and food insecurity was experienced significantly more often by children in the largest households, those in the most deprived areas of residence (NZDep01 Quintile) and those of Pacific and Maori ethnicity compared to NZEO children. Rasch analysis was performed on responses for 1561 households with children which reported some food insecurity. Subject reliability was close to 0.7 (the conventionally acceptable level). The distribution of the eight indices on the Rasch scale was similar to that observed among the NNS97 households and almost identical to the sub-set of households with children, from that dataset. Categories of food security status were assigned as in the NN5S97 and they predicted daily nutrient intake levels of children: total sugars, lactose, vitamm A, β-carotene, vitamin B12 and calcium. A more rigorous assigning of categories at the low/moderate scale cut-off, resulted in a further association with level of intake of glucose, fructose and folate. Mean BMI across categories of food security did not differ. Collectively these data provide unequivocal evidence that food insecurity exists in New Zealand, that it can be quantified and associated with nutrition outcomes. It has a negative impact on the nutrient intakes of both adults and children and a negative impact on the body weight status of adults. These data have implications for nutrition and health professionals and policy makers in New Zealand. They also add to the world-wide body of knowledge of the experience of, and the measurement and predictive potential of food security in populations where the food supply appears plentiful.

There was growing concern in New Zealand in the 1990�s that Food Security: access by all people at all times to enough food for an active healthy life, was not being achieved, despite an abundant food supply. A study of a convenience sample of 40 families with children (58 adults and 92 children) whose sole income was a government welfare benefit was undertaken. Two-thirds of these households regularly relied on a limited variety of food; one-half did not have a sufficient amount of food because of lack of money and outstanding debts. Over the previous year two-thirds had sourced food from a food bank and one-third had been gifted food from friends or relatives. Women�s intakes were compromised regularly but not children�s. All of the women experienced worry about feeding their household. One-fifth were overweight and over 40% obese despite low reported daily energy intakes (median (SE) 5.7 (0.5) MJ) compared to national data. Six repeated 24-hour diet recalls collected randomly over a two-week period enabled calculation of usual daily intake and the prevalence of inadequate intake for eight micronutrients which were disturbingly high. The children�s growth patterns compared favourably with US population percentiles. The National Nutrition Survey (NNS97) allowed the adaption of eight questions--developed by Reid using qualitative methods--to eight indicator statements about food security to be addressed by each participant on behalf of them or their household. Prevalence was significantly higher (p<0.05) for females compared to males for the majority of indicator statements among New Zealand European and Others (NZEO) and Maori. NZEO reported the most food security; Pacific people reported the least and Maori fell between the two. There was a significant increasing linear trend of food security with age (p<0.001) after adjusting for gender. Rasch analysis was performed on 1868 households where participants reported some food insecurity. The responses were ranked according to the proportion and ordering of their positive responses to eight indices of food security, achieving reliability (Cronbach�s Alpha) close to the conventionally accepted level of 0.7. The eight indices were ranked on the same scale; the minimum score -1.66 was achieved by the index �use special food grants/banks� (the index least reported and most severe) and the maximum score 1.86 was achieved by the index �variety of foods eaten limited� (the index most reported and least severe). Categories of food security were assigned using scale cut points: �fully/almost fully food secure�; �moderate food security�; �low food security�. Category status was associated with consumption of recommended number of daily serves of fruit, vegetables, fruits and vegetables, consumption of leaner meats, fatty meats and daily serves of bread. By ANOVA and controlling for sex, ethnicity, Index of Deprivation, urban/rural location, age, level of education, income, and household size, category of household food security was associated with the level of daily intake of total fat, saturated, monounsaturated and polyunsaturated fat, cholesterol, glucose, fructose, lactose, vitamin B6, vitamin B12, and vitamin C. Dietary data were from the primary 24-hour diet recall of respondents. Participants in the fully/almost fully food secure category of households had a mean BMI of 28.7 compared to those moderately secure (29.2) and of low food security (29.5) (p=0.015 for difference among categories). In the Children�s Nutrition Survey 2002 (CNS02) data set, the same eight indices were used and food insecurity was experienced significantly more often by children in the largest households, those in the most deprived areas of residence (NZDep01 Quintile) and those of Pacific and Maori ethnicity compared to NZEO children. Rasch analysis was performed on responses for 1561 households with children which reported some food insecurity. Subject reliability was close to 0.7 (the conventionally acceptable level). The distribution of the eight indices on the Rasch scale was similar to that observed among the NNS97 households and almost identical to the sub-set of households with children, from that dataset. Categories of food security status were assigned as in the NN5S97 and they predicted daily nutrient intake levels of children: total sugars, lactose, vitamm A, β-carotene, vitamin B12 and calcium. A more rigorous assigning of categories at the low/moderate scale cut-off, resulted in a further association with level of intake of glucose, fructose and folate. Mean BMI across categories of food security did not differ. Collectively these data provide unequivocal evidence that food insecurity exists in New Zealand, that it can be quantified and associated with nutrition outcomes. It has a negative impact on the nutrient intakes of both adults and children and a negative impact on the body weight status of adults. These data have implications for nutrition and health professionals and policy makers in New Zealand. They also add to the world-wide body of knowledge of the experience of, and the measurement and predictive potential of food security in populations where the food supply appears plentiful.

Thesis (M.C.R.P.)--University of Oregon, 2008. / Typescript. Includes vita and abstract. Includes bibliographical references (leaves 73-75). Also available online.