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The purpose of this study is to understand what health and safety hazards low-income households are subject to by surveying the real conditions of the defective housing of low-income households, and to find improvement strategies. For this purpose, we visited the concentrated areas of the multi-dwelling unit (MDU) (also known as multi-family residential) housing in Jungwon-gu and Sujeong-gu in Seongnam City, Kyunggi-do, one of the representative areas in Korea with a massive distribution of the low-income class. Based on the survey data, the level of housing defects were comparison analyzed per income decile (decile 1, decile 2, deciles 3–4), and per housing location, in the categories of subsidence, cracks in the wall, delamination, water leakage/infiltration, condensation, and contamination. The housing condition per income class was more defective in the decile 2 households rather than in the decile 2 households, and in the substructure more than in the superstructure. Among the six defects, contamination problems, caused by sub-standard living conditions, were the most frequent cases. Structural defects, subsidence and cracks in the wall, were found in the main living areas—the bedrooms and the living rooms. It was confirmed in this study that the conditions of low-income housing are serious, and that it is necessary to explore specific countermeasures in the near future.

Climate hazards in the form of cyclones are projected to become more intense under the pressures of future climate change. These changes represent a growing hazard to low lying coastal cities like Beira, Mozambique. In 2019, Beira experienced the devastating impact of Cyclone Idai. One of the many impacts resulting from this Cyclone was disrupted drinking water access. This investigation explores the distribution of Cyclone Idai’s impact on drinking water access via an environmental justice lens, exploring how preexisting water access characteristics may have predisposed households to the impacts of Cyclone Idai in Beria.

Relying on household survey data collected in Beira, the investigation applied a decision tree algorithm to investigate how drinking water disruption was distributed across the household survey sample using these preexisting vulnerabilities.

The investigation found that households that mainly relied upon piped water sources and experienced inconsistent access to water in the year prior to Cyclone Idai were more likely to experience disrupted drinking water access immediately after Cyclone Idai. The results indicate that residents in formal areas of Beira, largely reliant upon piped water supply, experienced higher rates of disrupted drinking water access following Cyclone Idai.

These findings question a commonly held assumption that informal areas are more vulnerable to climate hazards, like cyclones, than formal areas of a city. The findings support the inclusion of informal settlements in the design of climate change adaptation strategies.

The purpose of this paper is to study the “underbanked” – those who already possess bank accounts but are patrons of alternative financial services (AFS) providers at the same time.

Linking the FDIC unbanked/underbanked surveys of nationally represented households with FDIC bank information and local MSA demographics, demographic and economic profiles of the underbanked households are examined, together with the determinants of their choice of nonbank financial services.

The author finds that bank fees are associated with the likelihood for households to obtain AFS, especially nonbank credit. Households’ attitudes and experience with banks are important in the choice of getting AFS. Furthermore, most underbanked households used AFS temporarily, partly reflecting rather informed and calculated financial decisions.

The results from this paper provide implications for different types of AFS users. For example, the use of transactional AFS responds to the availability of online or mobile banking; meanwhile, it is also sensitive to branch closure. Users of nonbank credits are likely to be price savvy, and these products serve as valuable alternatives for short-term financing, especially during unfavorable economic situation.

Better understanding of the underbanked could help banks tailor to existing clients’ needs, for instance, providing innovative short-term credit products for those with little or impaired credit history. The study also helps policy makers re-evaluate banking regulations since the Great Recession. As regulations squeezed bank profits in certain areas and forced banks to consolidate, come alongside higher bank fees, potential branch closure and loss of service, which ultimately forced banked individuals to the less regulated alternative providers.

The analysis utilizes a comprehensive set of variables, from household social-economic characteristics to local banking industry characteristics, together with households’ subjective opinions of their banking institutions. The focus on the underbanked brings attention to this underserved population and discusses areas where banks can improve. The study contributes to the understanding of AFS users, draws implications for regulation toward banking and shadow banking.

The purpose of this paper is to investigate factors influencing household food consumption away from home in Beijing by type of food facility and type of meal.

Derived from the Becker's household production and consumption theory, the authors econometrically specified household expenditure function on food away from home. Box‐Cox transformed double‐hurdle models were estimated. The data were collected in 2007 in Beijing China by the authors, using a diary‐based method designed specifically for this study.

Household income, time opportunity cost and other socio‐demographic and economic factors were found to be important determinants of household participation and expenditure decisions for dining out. However, the importance of these factors varied by type of food facility and type of meal. Meanwhile, the estimated elasticities with respect to income were correspondingly higher than those for developed countries, suggesting that the demand for food away from home by Chinese households is still in an upward trend.

To the best of the authors' knowledge, this study is the first to analyze Chinese household food consumption away from home by type of food facility and type of meal. Besides, this study uses an exclusive dataset collected from a seven‐day diary‐based survey. The data include more specific information on food away from home than the Urban Household Income and Expenditure (UHIE) survey data conducted by National Bureau of Statistics of China. The UHIE data were extensively used in previous studies on food consumption in China, but are believed to significantly underestimate food away from home consumption.

Scholars have not agreed with each other on how people would behave after experiencing a catastrophic event. They could save more as a precautionary action for future difficulties or save less with a carpe diem attitude. This study aims to attempt to shed light on this debate with empirical observations on how the Covid-19 pandemic has affected household saving decisions.

The two waves of the survey data allowed us to investigate both instantaneous and ongoing effects of Covid-19 on household saving decisions. The instantaneous effect refers to the immediate impact of the crisis, while the ongoing effect refers to the lasting impact of the pandemic when economic recovery had started. The variation in the number of confirmed cases across cities during the two waves provides the source of power for identification. The authors extend their analyses of the impact of Covid-19 on the household saving decision by using ordinary least squares models. Due to the ordered nature of survey responses, the authors also rerun all baseline models using the ordered probit regression method.

This paper studied the impact of the Covid-19 pandemic on household saving decisions in China. This study found that households in the most affected cities would save more during the Covid-19 but tend to save less when the disaster started fading away. Combining findings in Kun et al. (2013) and Filipski et al. (2015), people do become more pessimistic during and after the Covid-19, possibly driving their observed precautionary and cape diem behaviors during the two points of time. Heterogeneity analysis shows that specific households would dramatically change their saving behavior. These observations might be useful for policymakers who concern the economic recovery after this pandemic disaster.

Understanding how the Covid-19 pandemic would affect household consumption vs saving decisions is important for the economic recovery after this disaster comes to an end. The analyses presented in this research could be useful for policymakers who concern appropriate policies aiming to boost consumption and economic activities after Covid.

The purpose of this paper is to examine the impact of off-farm employment on agricultural fixed assets among households in rural China.

The authors drew on panel data from two rounds of household-level surveys of more than 2,000 households in rural China. The two surveys were conducted in 2008 and 2012 in five provinces. The authors used instrumental-variable Tobit model to test whether the current value of agricultural fixed assets differ between households with different levels off-farm employment.

The authors observe that off-farm employment has a negative effect on the current value of agricultural fixed assets at the household level in rural China.

The authors believe that the results will contribute positively to the assessment of the effect of off-farm employment on the investment in agricultural fixed assets at the household level in the context of China.

The conceptual root of vulnerability dates back to the 1970s in the social science spheres. Vulnerability is a multi-dimensional and determinant precondition for disaster occurrence. The Gamo lowlands are exposed to a wide range of vulnerabilities. Therefore, this study aims to schematize community perceptions and understanding of vulnerability in drought-affected rural Gamo lowlands.

A community-based cross-sectional survey design and the mixed-methods research approach were executed. A four-staged multistage sampling was used to identify the respondent households. Into the four study sites, sample households were allocated proportionally by the lottery method. The survey data were gathered from 285 lowland households. The structured survey questionnaire, key informant interview, focus group discussion, and field observations, and transect walks were the tools used to collect the primary data. Data were analyzed deploying both qualitative and quantitative techniques. The Likert scale is used to analyze households’ vulnerability perceptions in which the item analysis approach was used for detailed analysis of the Likert-type items.

Locally, people perceive and understand vulnerability as exposure to drought hazard, rainfall inconsistency, the prevalence of human and animal diseases, livelihood insecurity, food shortfalls, poor income, lack of access to market, landholding and livestock ownership which are schematized by vulnerability perception pathways that delineate its extent. The findings also showed that the Gamo lowland inhabitants are unequally vulnerable as 96.5% of the studied households stated the differential idiosyncrasy of vulnerability. Old-aged, small-sized and female-headed households with no supportive force were found to be more vulnerable.

For better resilience, enhancing communities’ perceptions and understanding of vulnerability via continuous awareness creation by all the concerned stakeholders is recommended as the majority was lowly educated. It also yields input for policy debates and decision-making in the drought-prone lowland setup for building a resilient community.

To the best of the authors’ knowledge, this is an original work pursued by using a household survey with empirical data sourced from drought-prone rural lowland communities.

The purpose of this paper is to investigate the relationships between business risks and credit choices of 400 farm households surveyed in Shaanxi province in October 2007 in the Yangling district. More specifically, this paper investigates whether or not rural farm households in China balance business risks from agricultural production with financial risk from the use of debt.

The data were collected through a survey of 400 farm households in Shaanxi province conducted in October 2007. Four separate regressions are run using a credit measure as the dependent variable and measures of profitability, risk, risk aversion, and demography, and debt source (formal versus informal lending) as independent variables.

The model shows evidence of risk balancing. That is, there is strong evidence that Chinese farmers reduce credit use and financial risk, as business risks increase.

The results suggest that Chinese policy makers could encourage the use of finacial leverage and prudent debt use by offering risk reducing programs such as crop insurance, weather insurance, or price insurance.

This paper uses a unique survey form to collect production risk data as well as gather information on credit use and sources. Data were collected so that risk measures could easily be computed using a triangular distribution. Furthermore, this is believed to be the first empirical validation of the risk balancing hypothesis.

The authors estimate the reduction of electricity poverty in Vietnam. The essential argument is that human development is about subjective feeling as much as technology and income.

The authors use a self-reported satisfaction indicator as complementary to objective indicators based on national household surveys from 2008 to 2018.

In 2010, the fraction of households with access to electricity was over 96%. However, over 24% declared their electricity use did not meet their needs. Since 2014, the satisfaction rate is around 97%, even if 25% of the households used less than 50 kWh/month. Today there is electricity for all in Vietnam, but electricity bills weigh more and more in the budget of households.

The subjective energy poverty measure allows better international statistics: unlike poverty or needs-based criteria, self-assessed satisfaction of needs compares across income levels and climates.

Inequalities in electricity use among Vietnamese households decreased during the 2008–2018 period, but are not greater than inequalities in income, contrary to the findings of Son and Yoon (2020).

Engineering and econometric objectivist approaches dominate the literature on sustainability monitoring. Out of 232 sustainable development goal (SDG) indicators, only two are subjective. Yet the findings show that subjective indicators tell a different part of the story. Access is not grid building, but the meaningful provision of electricity to satisfy the needs.

The purpose of this paper is to explore the factors that determine non-farm enterprise revenue and to empirically test the association between access to credit, credit source and firm performance among poor entrepreneurs in rural Bangladesh.

Using a Bangladesh Institute of Development Studies and World Bank survey from over 1,700 households in rural Bangladesh, a panel data model is used to control for unobserved heterogeneity among households and explore the determinants of non-farm revenue.

The findings suggest that village infrastructure and household labor assets have a positive impact on enterprise development. The findings reveal that the use of rural credit as a production input is important in augmenting revenue for the non-farm enterprise, but there are differential effects by credit source.

Because the study uses data from a quasi-experimental survey design, unobserved effects that can bias the results must be controlled for. Also, as credit program impacts can be location-specific, caution in generalizing the results of this study must be exercised.

This study provides evidence on the positive effects of microcredit, family assets and family social capital on economic outcomes and microenterprise growth for poor entrepreneurial households. If enterprise growth is important for development, greater understanding of the determinants of microenterprise performance and the role of credit in the success of microfirms is beneficial for policymakers and the institutions that finance small-scale production.

If it is agreed that entrepreneurship is important in promoting development, self-sufficiency and positive economic outcomes (Yunus, 2007), then credit program design should focus on both the credit needs of the poor and the dynamics inherent in enterprise development for this group of entrepreneurs.

This paper expands the limited literature on the determinants of microenterprise growth and the role of credit in microenterprise development by tracing a positive link between village infrastructure, family demographics and access to credit. The identification of the factors that determine non-farm enterprise revenue is important for policymakers because enterprise growth is perceived as essential for economic development.