Existing studies provide a range of insights into the causes of womens low retirement incomes and emphasise the effect of low life-time incomes on womens access to economic resources in later life. Despite these insights, however, there is relatively little research on the roles played by motivations, social institutions and decision-making processes in determining womens capacity to save for retirement. In order to address some of these gaps in our understanding, this study aimed to broaden the range of theoretical approaches applied to economic studies of womens retirement savings strategies. Based on methodological perspectives informed by critical realism and feminist epistemology, the study utilised grounded research methods to collect and analyse qualitative data relevant to womens financial decisions and retirement plans. The data collection and analysis process are conceptually organised and integrated to propose a theoretical contribution that emphasises the links between social structures and specific decision-making processes that systematically contribute to low retirement savings for women. The studys findings are discussed with reference to existing economic literature that has not previously been utilised in studies of womens retirement incomes. The conclusions from this study suggest that there are significant features of womens decision-making contexts that contribute to ongoing under-saving to support women in later life.

As durables are essential in many households, the level of ownership is high and, due to the high degree of penetration, a vast proportion of the current sales are replacement purchases. Even though a lot of research attention has been paid to decision making and decision processes many models are oriented towards non-durable goods and although a majority of purchases of many durable goods are replacements, few studies seem to make a distinction between a replacement purchase decision and a decision to buy an item for the first time. The purpose of this thesis has been to increase the understanding of the consumer decision process in replacement purchase. More specifically, the research focus has been on the cognitive mechanisms behind the formation of a replacement decision and on factors affecting the timing of a replacement purchase of durable goods. Choosing to study the timing of replacement decisions reflects the emphasis on the ongoing process, not merely on what is happening at a certain moment. Many studies in the consumer behaviour research are cross-sectional and by using cross-sectional data, there is a risk of identifying cohort effects rather then identifying effects stemming from the individual process over time. This thesis' focus on the process is reflected in and emphasised by the choice of method, both a cross-sectional and a longitudinal study have been undertaken. In order to address the research question, a theoretical framework and model were developed. The model is based on the traditional idea that many actual purchase decisions are realised through the approach of problem solving, entailing problem identification, information search, evaluation of alternatives, choice, and action. The underlying assumption of the model is that purchase expectations are related to a comparison between an aspiration level, defined in accordance with Simon's (1956) satisficing principle, and an evaluation of the currently owned product (current level). Purchase expectations are believed to be the result of a cognitive process encompassing the comparison between aspiration level and current level. When the discrepancy between aspiration level and current level goes beyond a noticeable difference, a purchase expectation is assumed to be formed and the purchase process initiated. The results from this studyreveal that the cognitive mechanism behind a replacement decision can be explained in accordance with the proposed model: Consumers compare the currently owned product with requirements of product for the same usage and if the current product falls below the requirements, replacement plans are formed. The timing of the replacement is therefore argued to depend both on factors effecting the requirements of a product for the same usage (the aspiration level), and on factors affecting the perception of the current product (the current level). Moreover, the study indicates that problem identification initiated through a change either in aspiration level or in current level might evoke different decision strategies and consequently, the problem identification stage might be more important for marketing strategies than previously assumed. The results aslo highlight the importance of considering the consumers present stage in the decision process for achieving an efficient segmentation for market communication as product attributes important early in the process might not be important later in the process. / <p>Diss. Umeå : Univ.</p> / digitalisering@umu

Thesis (M.A.)--Indiana University, 2009. / Title from screen (viewed on August 28, 2009). Department of Sociology, Indiana University-Purdue University Indianapolis (IUPUI). Advisor(s): Linda Haas. Includes vita. Includes bibliographical references (leaves 101-104).

Abstract While mining has been a source of livelihood for many Basotho families since the 1970s, the 1980s, the 1990s, and the 2000s, have seen progressive decline in the number of migrant mine workers in South Africa’s mining companies. This decline has forced many families to adjust their livelihood activities to replace income lost from mine migrant wage labour. In view of various livelihood transition options, former mine migrant labour families have reverted to rural subsistence agricultural livelihoods as well as capitalized agricultural activities based within rural areas. These livelihood options are significantly influenced by investment options undertaken while still employed within the mining industry. Although these livelihood transitions have necessitated adjustment of expenditure patterns, these adjustments have in many instances not significantly altered gender based decision making practices and responsibilities of adult household members. In spite of limited income generation activities by husbands, in most families the husband continues to be seen as the head of the household, responsible for making decisions pertaining to investment and disposal of assets, expenditures related to ploughing of fields and caring for livestock, while the wife’s decision making activities are confined to matters pertaining to caring for the children, including their schooling.

This study examines two of the reasons that prevent people from taking part in green electricity programs: trust concerns that these programs may raise, and lack of benefits that come with visibility of participants’ involvement. While the current literature takes notice of their influence, in this study it was decided to investigate both factors in more detail. In particular, with the help of a survey, the study focused on the reactions of electricity consumers to the proposition of participation in green electricity programs in a controlled setting, in which levels of trust concerns raised and benefits of visibility provided by the programs could be varied. The study was conducted in Oakville, an affluent southern Ontario (Canada) suburb. The results are based on 160 received responses to 500 questionnaires that were sent out by mail. While the results of this study point towards the conclusion that both factors have an influence on participation in green electricity programs, their relative strength cannot be estimated by these results. One can, however, claim that the combined influence of trust concerns and benefits of visibility is quite strong. This research shows that at a 95% confidence level, willingness to participate in a program that proposes paying premium for electricity from solar panels installed on a participant’s roof (low trust concerns, high benefits of visibility) is 30% + 19.3% higher than willingness to participate in a program that proposes paying premium for electricity from undisclosed solar farms (high trust concerns, low benefits of visibility). Additional data about trust concerns, appreciation of benefits of visibility, and concerns about installation of solar panels on one’s own roof, provided by the survey, are also presented in the text. In conclusion, it is recommended that future research should more clearly separate the strength of influence of trust concerns from the influence of benefits of visibility on green electricity program participation. It is also important to study which features of these programs make them more trustworthy and visible. An important implication of this study for policy makers and green electricity proponents is to concentrate on allaying trust concerns, and enhancing benefits of visibility when designing policies or drafting plans for green electricity programs. The creation of an independent green electricity program certification system and a greater accent on the local presence of such programs is suggested.

After surveying the literature on the economics of household decision-making, we employ data from the 2010 European Union Survey on Income and Living Conditions (EU-SILC) to study the relationship between personal characteristics such as gender and decision-making power and responsibility. We find that across Europe, women more often make decisions about everyday spending and purchases for children, while it is mainly men who make the financial decisions in a household. Greater intrahousehold inequality in income and education is correlated with a lower probability of couples making decisions together, as is having a housewife in the home. Interesting patterns of household decision-making across countries emerge; in the Southern European countries, for example, educational differences do not seem to be strongly related to decision-making power and responsibility, and women in Eastern European countries are more likely to make financial decisions when the household reports facing difficult economic conditions. (authors' abstract) / Series: Department of Economics Working Paper Series

This study examines two of the reasons that prevent people from taking part in green electricity programs: trust concerns that these programs may raise, and lack of benefits that come with visibility of participants’ involvement. While the current literature takes notice of their influence, in this study it was decided to investigate both factors in more detail. In particular, with the help of a survey, the study focused on the reactions of electricity consumers to the proposition of participation in green electricity programs in a controlled setting, in which levels of trust concerns raised and benefits of visibility provided by the programs could be varied. The study was conducted in Oakville, an affluent southern Ontario (Canada) suburb. The results are based on 160 received responses to 500 questionnaires that were sent out by mail. While the results of this study point towards the conclusion that both factors have an influence on participation in green electricity programs, their relative strength cannot be estimated by these results. One can, however, claim that the combined influence of trust concerns and benefits of visibility is quite strong. This research shows that at a 95% confidence level, willingness to participate in a program that proposes paying premium for electricity from solar panels installed on a participant’s roof (low trust concerns, high benefits of visibility) is 30% + 19.3% higher than willingness to participate in a program that proposes paying premium for electricity from undisclosed solar farms (high trust concerns, low benefits of visibility). Additional data about trust concerns, appreciation of benefits of visibility, and concerns about installation of solar panels on one’s own roof, provided by the survey, are also presented in the text. In conclusion, it is recommended that future research should more clearly separate the strength of influence of trust concerns from the influence of benefits of visibility on green electricity program participation. It is also important to study which features of these programs make them more trustworthy and visible. An important implication of this study for policy makers and green electricity proponents is to concentrate on allaying trust concerns, and enhancing benefits of visibility when designing policies or drafting plans for green electricity programs. The creation of an independent green electricity program certification system and a greater accent on the local presence of such programs is suggested.

In the fields of development and public health, the decisions of the rural poor are often treated as simple, unanimous, and driven by cultural preconceptions and beliefs. This is particularly the case for sub-Saharan Africa, where a dehistoricizing tendency presupposes an ontological link between an African culture and its tendency to interpret the world through the lens of belief. Generally, household activities are not seen as the kinds of modes of objectifying social practice that are the outcome of complex historical struggles over representation, and pre-disposing cultural factors are presumed to be the key determinants of household behavior. The three papers that constitute this alternative-format, article-based dissertation interrogate these assumptions. Although they address diverse subjects (the rise of West African Pentecostalism; the logic of treatment-seeking behavior in Benin; credit and savings strategies in rural Mali), they share a methodological concern with close analysis of the complexity of household decision-making in the moment, study over time, and attention to local concerns in the context of larger social transformations. In both medical and economic contexts, this approach demonstrates not only that behavior is primarily determined by enabling factors, but that the cultural factors that do condition behavior can be understood as creative, rational, and instructive of larger concerns, rather than merely as an impediment to development goals.

Digital Financial Services (DFS) such as mobile money apps, have become increasingly recognized as a tool to increase Financial inclusion. Access and usage of mobile money services are expected to be beneficial in more ways than one, but one desirable outcome is enabling women to have greater control over their own finances, and thus enhance Empowerment through increased participation in household decision-making. With data collected through a phone survey distributed to 189 women in Jordan, we attempt to investigate if E-wallets are effective in achieving Financial inclusion and, if we as a result, might see a positive effect on Women’s Empowerment. Impacts on Financial inclusion are measured through a description of how women use their E-wallets, along with an OLS-regression on the likelihood of saving. Empowerment effects are analyzed through a regression on different indicators meant to reflect decision-making in the household. We find some evidence that indicates that E-wallets users might be slightly more likely to have saved money in the last year, however, results regarding empowerment indicators are more unclear. When performing regressions on subsamples of unmarried women, and only employed women, we see some indications that the e-wallet might lead to an increased control of her own finances and expenditures, but this does not seem to translate significantly to other household purchases.

Thesis (MComm)--University of Stellenbosch, 2011. / ENGLISH ABSTRACT: Social assistance is a large and fiscally costly component of anti-poverty policy in South Africa and therefore lends to the questions: Are the grants effective tools for reducing poverty in South Africa and, moreover, how significant is their impact on poverty? As a measure of reducing poverty and improving the non-social indicators of the poor, the government has expanded the social grants since the advent of the new democracy. The country‟s social grant system is advanced and covers a broad range of individuals, as it is intended to cover vulnerable individuals over their life course from childhood to adulthood and into old age. Policy discourse surrounding the grants centres on the sustainability of the system and their implications for development. It is therefore important that their significance is shown and that their impact is illustrated by highlighting their reach into severely poor households. As a measure of poverty alleviation on their own, the grants are not enough and South Africa‟s poverty alleviation strategy has to rest primarily on economic growth and job creation. In addition, there are significant challenges in the system, such as the fact that there is no poverty grant targeted specifically at the unemployed; consequently, too much strain is placed on the resources of grant-receiving households that the whole household is plunged into poverty. Accordingly, the question this raises is: How can government solve the problem of the poor clustering around these grants? This dissertation will systematically show that the use of social security as a poverty-alleviating tool is effective given the extent of poverty in South Africa and the limitations on resources. It will also show that the decision-making structures in households influence the way grants affect the resource allocation needed for achieving lower levels of poverty. The extent to which the cash transferred to poor households via the grant programmes reduces poverty is likely to be influenced significantly by the decision-making structures in the grant-receiving households. There is evidence that grant money is shared in extended households, which suggests that decision making is broadly unitary or cooperative. However, we can only observe the outcomes and not the decision-making process in this regard and therefore can only draw tentative conclusions. Although there is cause for concern regarding the propensity of social grants to affect people‟s behaviour negatively, there is a case to be made for retaining grants as an important, though not the only, form of anti-poverty strategy. This highlights the need for continued research on the labour market and the social grants causal relationship. It also shows that research into the fertility effects of the grants is wanting, especially if there are speculative concerns that might inform policy on the impact of CSG on fertility. / AFRIKAANSE OPSOMMING: Sosiale bystand is „n groot en duur fiskale komponent van anti-armoede verligtingsbeleid in Suid Afrika en lei daarom tot die vrae: Is die toelaes effektiewe instrumente om armoede te verlig in Suid Afrika, en nog meer, hoe noemenswaardig is hulle impak op armoede? As „n maatstaf om armoede te verlig en die nie-sosiale armoede- aanwysers te verbeter van die armes, het die regering die sosiale toelaes vermeerder sedert die aanvang van demokrasie. Die land se sosiale toelae stelsel is gevorderd en dek „n wye verskeidenheid groepe van individue, aangesien dit bedoel is om weerlose individue te dek vanaf kind tot volwassene deurlopend tot die bejaarde. Beleidsdiskoers om die toelaes fokus op die volhoubaarheid van die stelsel en die implikasies daarvan vir ontwikkeling. Dit is daarom van belang dat die belangrikheid hiervan uitgewys word en die impak daarvan geillustreer word, deur op hul trefkrag te fokus in die armste van huishoudings. As „n middel to armoedeverligting op sigself is toelaes nie voldoende nie, en Suid-Afrika se armoede verligtingstrategie moet hoofsaaklik lê in werkskepping en ekonomiese groei. Verder is daar belangrike uitdagings in die stelsel, soos byvoorbeeld die feit dat daar geen armoede toelaes spesifiek gemik op die werkloses is nie; „n gevolg hiervan is dat daar te veel druk geplaas word op die bronne van die huishoudings wat toelaes ontvang en dat die hele huishouding in armoede gedompel word. Gevolglik ontstaan die vraag: Hoe kan die regering die probleem oplos van konsentrering van die armes rondom die toelaes? Hierdie dissertasie sal sistematies wys dat die gebruik van sosiale sekuriteit as „n armoede- verligtingsbeleid is effektiek gegewe die omvangreikheid van armoede in Suid Afrika en die beperkings op bronne. Dit sal ook wys dat die besluitnemingstrukture in huishoudings beinvloed die manier waarop toelaes die bron-allokasie beinvloed om laer vlakke van armoede te bereik. Die vlak waartoe die kontant oordraging na die arm huishoudings via die toelaes die vlak van armoede verlig word in alle waarskynlikheid tot „n groot mate beinvloed deur die besluitnemingstrukture in sodanige huishoudings wat toelaes ontvang. Daar is bewyse dat die toelaes gedeel word in uitgebreide huishoudings, wat daarop aandui dat besluitneming breedweg unitêr geneem word of gesamentlik. Ons kan egter slegs die uitkomste en nie die besluitnemingsproses in die verband bespeur nie en kan daarom slegs tot tentatiewe gevolgtrekkings kom. Alhoewel daar wel rede to kommer is vir die geneigdheid van toelaes om mense se gedrag negatief te beinvloed, is waar wel „n saak om toelaes te behou, hoewel nie as die enigste, maar wel as „n belangrike vorm van armoedeverligting. Dit lê die klem op die nodigheid van deurlopende navorsing op die arbeidsmark en die toelae- oorsaaklikheidsverhouding. Dit wys ook dat navorsing op die vrugbaarheidseffek van die toelaes is nodig, veral as daar spekulatiewe besorgdheid is wat die beleid op die impak van kindertoelaes op fertiliteit mag beinvloed.