Better access to financial literacy programs in underserved communities has the potential to improve financial decision making and to help individuals and families escape poverty. This multimethod dissertation explores some of the challenges of developing financial literacy programs for underserved individuals and provides insights into the cultural and institutional factors that discourage financial literacy and sound financial decision making. This research re-examines the construct of financial literacy, reviews relevant past research, and presents a conceptual model with hypotheses regarding factors that affect financial literacy. To test the model, multiple studies were conducted in underserved communities in rural and urban areas to understand the complexity of the relationship between financial literacy and financial decision making. These studies were supplemented by a series of in-depth interviews with financial literacy experts, community leaders, and underserved individuals. The results indicate the importance of refining both financial literacy instruments and training to rural and urban underserved communities, while also building stronger ties to community leaders and financial institutions. / Business Administration/Finance

Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2019 / The challenges faced by members of underserved communities in South Africa have frequently been reported in literature. To ameliorate these challenges, different interventions have been introduced both locally and internationally to improve the wellbeing of the members of these communities. One such intervention is the introduction of information and communication technology ICT as a means to close the digital divide and meeting the socio-economic needs of the community. Youth living in these communities are expected to derive more benefit from ICT interventions as they have been reported to be more technology savvy and dependent on technology than the older adults are. However, the failures of ICT interventions deployed by donors have also been reported in literature. Authors have identified several reasons for the failure of ICT interventions, but a lack of consultation with the beneficiaries of this type of intervention is common to many findings. The exclusion of the youth as major beneficiaries of ICT interventions causes a lack of alignment between the interventions deployed for their use and the actual wellbeing needs of the youth in underserved communities. The failure of ICT interventions increases the digital divide and frustrates the good intentions of local and national government as well as international donors to improve the wellbeing of the youth in underserved communities. By using the concept of wellbeing, the study aimed to explore how youth wellbeing indicators can be used to facilitate effective ICT interventions for youth empowerment and development in underserved communities in South Africa. Furthermore, the study aimed todesign an ICT-based artefact to prioritise youth wellbeing indicators in underserved communities in South Africa. The study was implemented through a qualitative research method using a service design strategy that allowed for a participatory research approach and co-design instrument for data collection from the youth living in Grabouw anunderserved community in the Western Cape Province of South Africa. Data was collected from 40 youth aged between 15 and 30 at two workshops. Content analysis technique was used to analyse data. Findings from the research show that given the opportunity, the youth are able to determine their social-economic needs. A comprehensive set of wellbeing indicators was developed. Thirteen wellbeing indicators symbolising the issues in the community were prioritised, which are:unemployment, self-image, reaching full potential, family support,access to water, sanitation and electricity,meaning and purpose of life,being healthy,religious practice,educational level,future expectations,freedom of expression,skills to get a job, and access to skills and training. Overall, nine categories of wellbeing indicators were identified; of these, seven are similar to theGlobal Youth Wellbeing Index(GYWI) categories. Three new categories – aspiration, social support, and infrastructure and services – were realised. The three factors are an indication that the Grabouw youth may have special needs different from the global perspective as specified by the GYWI categories. Moreover, the priorities of the wellbeing indicators when compared to the GYWI rating for South Africa differ significantly, which may indicate that the needs of the youth living in underserved communities may vary largelyfrom other youth in the country. Furthermore, an artefact that can be used to prioritise wellbeing indicators was designed. It is important for stakeholders of ICT interventions to embrace participation of the beneficiaries as a means of aligning interventions to their needs. These stakeholders need to seek ways of developing artefacts that address the needs, not limited to health, so that the youth can take advantage of technology to improve their wellbeing on a continuous basis.

It is estimated that 10% of the global population is impaired to a significant degree by a decrease in hearing sensitivity. With the greatest proportion of these persons residing in developing countries where communities are grossly underserved, it is incumbent on hearing healthcare professionals to seek means of offering equitable hearing health care services to these communities. The delivery of conventional diagnostic hearing services to these population groups is challenged by limitations in human resources, financial constraints and by the dearth of audiometric testing facilities that are compliant with permissible ambient noise levels for reliable testing. Valid diagnostic hearing assessment without an audiometric test booth will allow greater mobility of services and could extend hearing healthcare service delivery in underserved areas. The purpose of this study was to investigate the validity of diagnostic pure tone audiometry in a natural environment, outside a sound treated room, using a computer-operated audiometer with insert earphones covered by circumaural earcups incorporating real-time monitoring of environmental noise. A within-subject repeated measures research design was employed to assess elderly adults with diagnostic air (250 to 8000 Hz) and bone (250 to 4000 Hz) conduction pure tone audiometry. The study was of a quantitative nature and the required data was collected by testing subjects initially in a natural environment and subsequently in a sound booth environment to compare the threshold measurements. One experienced audiologist used audiometric KUDUwave test equipment to evaluate subjects in both environments. A total of 147 adults with an average age of 76 (± 5.7) years were tested. Ears had pure tone averages (500, 1000, 2000 and 4000 Hz) of ≥ 25 dB in 59%, >40 dB in 23% and ˃ 55 dB in 6% of cases. Analysis of collected data showed air conduction thresholds (n = 2259) corresponding within 0 to 5 dB in 95% of all comparisons between testing in the natural and sound booth environments. Bone conduction thresholds (n = 1669) corresponded within 0 to 5 dB in 86% of comparisons and within 10 dB or less in 97% of cases. Average threshold differences (–0.6 to 1.1) and standard deviations (3.3 to 5.9) were within typical test-retest reliability limits. Recorded thresholds showed no statistically significant differences with a paired samples t-test (p ˃ 0.01) except at 8000 Hz in the left ear. Overall the correlation between the air-conduction thresholds recorded in the sound booth environment and the natural environment was very high (˃ 0.92) across all frequencies while for bone conduction threshold correlation for the two environments fell between 0.63 and 0.97. This study demonstrates that valid diagnostic pure tone audiometry in an elderly population can be performed in a natural environment using an audiometer employing insert earphones covered by circumaural earcups with real-time monitoring of ambient noise levels. Mobile diagnostic audiometry performed outside of an audiometric sound booth may extend current hearing healthcare services to remote underserved communities where booths are scarce or inaccessible. In combination with Telehealth applications this technology could offer a powerful and viable alternate diagnostic service to persons unable to attend conventional testing facilities for whatever reasons. / Dissertation (MCommunication Pathology)--University of Pretoria, 2013. / gm2014 / Speech-Language Pathology and Audiology / Unrestricted

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This dissertation focuses on amplifying the voices of marginalized students in alternative education, with an emphasis on the positive impact of resilience on their outcomes. The study addresses the challenges these students face, particularly those from BIPOC communities, in navigating educational systems that have historically marginalized them. The purpose of this qualitative research was to explore the experiences of BIPOC students in a Central Valley alternative education program, highlighting how nurturing relationships, resilience, and the fulfillment of basic needs contribute to their academic success and personal growth. Utilizing a framework that incorporates theories of resilience, educational equity, and transformative leadership, the study situates the students' experiences within a broader context of systemic challenges and potential reform. Through in-depth interviews with five graduates from marginalized backgrounds, the research identified several key themes: (a) the power of resilience in overcoming adversity; (b) the significance of positive relationships with educators and peers; (c) the importance of addressing mental and emotional well-being; (d) the transformative potential of inclusive educational environments; and (e) the role of supportive communities in fostering success. The findings underscore the importance of resilience and relational strategies in helping marginalized students thrive in alternative educational settings. This study contributes to the ongoing conversation on educational equity by advocating for approaches that empower students to achieve their full potential, ensuring that their voices are heard, and their successes are celebrated.