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The emergence of COVID-19 and its spread led to severe social, economic and livelihood impacts around the world. This study documented the socioeconomic impacts of COVID-19 outbreaks and lockdown on the lower-income groups. Also illustrated the impacts on the attainment of SDGs in the context of the slums of Chittagong City.

Both qualitative and quantitative data have been collected from the 150 respondents through questionnaire surveys in the slums.

The lockdown led to the decrease of 90% of the respondents' income level and affected the livelihoods of 97.33% of the respondents, with an overall score of 3.22 ± 0.67 on a four-point Likert-type scale. About 96.67% of respondents' psychological conditions have been affected high to extreme, with an overall score of 3.19 ± 0.68. The pandemic affected 74.67% of respondents' food habits, 95.33% of respondents' child education, increased domestic violence and deteriorated social security, basic service facilities and hygiene practices among the slum dwellers. The severity of COVID-19 outbreaks on the lower-income people makes it critical for the government to attain the SDG 1, SDG 2, SDG 3, SDG 4, SDG 5 (Target 5.1, 5.2) SDG 6 and SDG 16.

The findings of the study will help governments, policymakers, international organizations to adopt measures to mitigate the effects of the outbreaks.

This research aims to examine the viability of micro-health takaful in Malaysia. Current practices in the takaful industry in Malaysia reveal that takaful operators (TOs) are keen on offering products that are affordable for middle- to high-income people. However, the concept of takaful is based on mutual help, and, hence, it is believed that TOs should offer products affordable by the poor and lower income people.

To achieve this objective, the interest of the poor to participate in this product is examined by sending the questionnaire. In addition, TOs were approached to understand why micro-health takaful products have not been offered as yet. The regulator was also interviewed to gauge whether the government is supportive of this scheme.

From the survey, it was noted that the poor people are interested to participate in such a scheme. However, most of them are only willing to contribute about RM5 per month, while some of the respondents, especially, zakat recipients are unable to afford to pay at all. The zakat authority when interviewed stated they were unable to contribute on behalf of the zakat recipients. To a certain extent, zakat authority is required to obtain an approval from the National Fatwa Council with regard to that issue. The regulator views that the micro takaful is still in an experimental stage. From the perspective of TOs, it might be viable if the product is offered as part of the corporate social responsibility, rather than by individual operators. Therefore, it could be summed up that micro-health takaful will be viable if and only if TOs collectively offer it as a part of their corporate social responsibility, and it must be subsidized by the zakat or waqf authorities.

Particularly, this study only considers a limited geography in Malaysia to understand the viability of micro-health. On the same note, the current focus of the study is on micro-health takaful in which it has not tapped other potential micro takaful products.

This study is a pioneering effort in understanding the viability of the micro health takaful in Malaysia.

The purpose of this paper is to show the different attitudes to bank ownership and regulation, residential lending and eviction in the UK and France, with their effects in the credit crunch and how these factors are connected. UK non‐interventionism stems from a history of private banking, where competition produced plentiful finance but high risks for borrowers, where eviction is certain and fairly quick, but not necessarily disastrous for borrowers within a flexible system. The French history of post‐war interventionism for reconstruction and cautious banking has had successes and failures, culminating in large‐scale special loans to lower‐income borrowers, improving lending liquidity and stability. The French lower lending levels, intervention and caution can be partly explained by the disastrous effects of French debt and eviction processes on borrowers, but with overlay of delay and social protection.

The paper uses a historical institutionalist approach, calling on historical materials, statistics (where available) and the law and procedure of banking, mortgages, eviction and insolvency. Quantitative comparison of mortgage evictions is difficult, but procedures illuminate this.

National approaches to banking are path dependent and this effect is underestimated, particularly concerning attitudes to public intervention and eviction. Awareness of these connected effects could improve comparative research to assist lending to lower income groups, particularly concerning special French loans.

This can improve open‐mindedness, and promote ideas to house young people rather than simply calling for heavy regulation in the UK, or criticising French interventionism.

Comparative evictions related to the history of banking intervention are considerably understudied. The paper addresses the issues.

The increase of competition in the banking industry has resulted in more attention to profitability and reduced interest in low‐income customers. Fulfilment of financial services needs of low‐income customers is perceived as either information lacking about financial products or providing services at an affordable charge. Attitudes and behaviours of a probabilistic representative sample of 3,010 low and higher income customers of a large Canadian financial institution were compared. Despite similar aspirations, low‐income customers appeared limited in terms of personal growth and expenditures and were showing uncertainty toward the future. The management implications for financial products and services, together with the social implications, are discussed in the conclusion.

Although rental housing has historically maintained a peripheral position within the community-building sphere, the current economic volatility is evidence of how imbalanced housing policy can impact overall stability, particularly among low-income people within low-income communities. Economic and other macro-environmental shifts will have lasting and poignant impacts on low-income geographies; therefore, the state of rental housing within the context of urban neighborhoods will continue to be a critical policy matter. This research explores whether the low-income housing tax credit (LIHTC) program encourages the development of housing with the physical and operational attributes that strengthen low-income neighborhoods. Given the program's growing dominance, this study analyzes whether specific characteristics associated with neighborhood revitalization are prevalent in LIHTC properties located within qualified census tracts. Also examined are the methodologies among nonprofit developers and for-profit developers relative to these development characteristics.

The findings indicate that properties under 50 units are more likely to be located within suburban qualified census tracts. Within the urban core, the results reveal that qualified census tract LIHTC developments are more often serving extremely low and low-income families. The research outcomes also show that nonprofit developers are more likely to serve lower incomes and utilize certified property management agents for these properties. Given the unique needs of urban and suburban low-income neighborhoods and a national environment that portents a growing dependence upon the LIHTC, the findings suggest that both enhanced coordination between state, regional, and local interests and innovation in resource allocation policy are critical to erasing the neighborhood divide that marginalizes low-income people in low-income communities.

This paper aims to understand how the Covid-19 pandemic has changed consumers’ perceptions of outdoor consumption categories, such as retail shopping, eating out, public events and travel and how these perceptions may impact businesses in these domains in the long term. Further, this research aims to understand demographic effects on outdoor consumption inhibition during the current pandemic and discuss how businesses can use these insights to rebrand their offerings and evolve after the pandemic.

Data collected by CivicScience, a survey-based consumer intelligence research platform, during April–July 2020 forms the basis of the preliminary analysis, where the chi-square test has been used to examine significant differences in consumer attitudes between different age groups, income groups and genders. Further, a social media analysis of conversations around outdoor consumption activities is undertaken to understand the rationale behind these demographics-based attitude differences.

Results lend varying degrees of support to the hypothesized consumer attitudes toward outdoor consumption activities during the Covid-19 pandemic. As the pandemic wore on, older (vs younger), female (vs male) consumers and lower (vs higher) income-group consumers had reportedly higher inhibition toward different outdoor activities. Older individuals were significantly less likely to shop, dine and attend public events than younger individuals. Lower-income consumers were significantly less likely to dine and travel than higher-income consumer consumers. Female consumers were significantly less likely to shop and travel than male consumers. Social media scan of conversations suggests that differences in perceived health and financial risks may have resulted in demographics-based differences in outdoor consumption activities.

This study contributes to the literature by understanding demographic differences in consumer participation in outdoor activities. One limitation is that due to the time-sensitive nature of the pandemic research, further studies could not be conducted to understand the implications of other variables, beyond demographics that influence consumer behavior during a crisis. A future research direction is to understand how other psychological variables or traits, influence health and financial risk-taking behavior during a similar crisis.

The principal contribution of the present research is that it tests the risk-taking theory in the context of outdoor consumption during the Covid-19 pandemic. The present research has implications for businesses as they continue to evolve during and post Covid-19.

An expanding conceptual and research literature identifies cardiovascular disease (CVD) as the disease whose incidence varies most, according to income level. To date however, there has been virtually no public consideration in Canada of the role that societal factors play in its incidence. In an attempt to redress this gap, a community coalition brought together the latest research on the societal determinants of CVD. Barriers to public awareness and public policy action to address these societal determinants of health included the unwillingness of health care associations to consider societal determinants of health as relevant to their activities; general resistance by the media; and active attempts by governments of the day to shift focus away from societal determinants of health. Considering these barriers, university personnel involvement appears essential to any attempt to identify and address the societal determinants of CVD and other diseases.

The purpose of this paper is to investigate public opinions towards elderly care. The authors analysed respondents’ opinions towards financial support, practical help and care for elderly people.

The authors used nationally representative data collected in Finland in 2012. Respondents represent an older generation (born between 1945 and 1950, n=1,959) and their adult children (born between 1962 and 1993, n=1,652).

First, the authors compared the opinions of older and younger Finns but did not find that older adults were more likely than younger adults support the state responsibility, or vice versa. It was also when only actual parent-child dyads (n=779) from same families were included. Next, the authors found that several socioeconomic and family-related variables were associated with public opinions of elderly care in both generations. For instance, in both generations lower-income individuals supported the state’s responsibility more compared to their better-off counterparts.

The study provides important knowledge on attitudes towards elderly care using unique two-generational data of younger and older adults.

This paper aims at analyzing the determinants of access to relief under social assistance programs among rural households during COVID-19 outbreaks in India.

The study is based on the data of COVID-19-Related Shocks Survey, which covered 5,200 rural households across 6 states of India namely Andhra Pradesh, Bihar, Jharkhand, Madhya Pradesh Rajasthan, and Uttar Pradesh. The access to relief has been assessed as relief-in kind (RIK) as a free special package of wheat, rice, and pulses, supplied through the public distribution system; and direct benefit transfer (DBT) in cash under the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) Yojana and the Pradhan Mantri Jan-Dhan Yojana (PMJDY). The association between demographic profiles of rural households and access to relief has been analyzed using the chi-square test. Further, marginal effects have been estimated to assess the determinants of rural households' access to relief.

The results show a significant association between types of relief vis-à-vis demographic profiles of the rural households. A significant difference in access to relief among rural households is also evident across the states. Further, the analysis of the marginal effects indicates that female-headed households belonging to lower social class, depending on non-agricultural occupation with lower income, belonging to below poverty line families and seeking wage employment, are more likely to access relief as food grains; whereas male respondents with lower age, belonging to lower-income quartile with memberships in Self Help Groups are more likely to access the cash benefit transfers.

The COVID-19 pandemic has affected the food security and livelihood of many across the globe, which necessitated provisioning a package of support to everyone, particularly rural poor households. The World Bank undertook the COVID-19-Related Shocks Survey to provide a quick policy response for managing the risk of COVID-19 outbreak effectively. The results of this study provide timely insights for developing an effective relief strategy for rural households during a crisis.

There is limited investigation on access to relief by rural households during the COVID-19 outbreaks and factors affecting the access to relief in terms of cash and kind. This study has utilized a reliable data source to analyze the access of relief packages by the rural communities during the coronavirus outbreak.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-10-2021-0632.

The purpose of this paper is to review the housing sector of Turkey and present the housing development strategies developed by government enterprises for the urban poor in Turkey as successful examples.

The methodology of the paper is descriptive. First of all, the literature on housing finance systems and sources of housing finance are stated. Then, the paper reviews housing finance systems applied in Turkey in the past to solve housing problems. Later, it describes current housing strategy to solve housing problems of low- and middle-income groups and also presents this strategy as a successful model to other countries. Moreover, mortgage law and the current situation of the Turkish housing sector are discussed within the study.

As a result of economic normalization achieved after 2002, mortgage loans extended by commercial banks have increased in Turkey. Besides, governmental institutions, such as Housing Development Administration of Turkey (HDAT) and Istanbul Public Housing Corporation (KIPTAS), apply very extensive projects to allow low- and middle-income groups to have their dwellings. In 2007, the Turkish Parliament enacted mortgage law and defined rules and actors of the mortgage sector. However, as a consequence of economic deterioration in the world economy, mortgage loan receivables-backed securities could not be issued to public yet. Public issuance of mortgage loan receivables-backed securities in the future are expected to direct more long-term funds to the housing sector and also to provide an additional investment instrument for the individual and institutional investors.

The housing production and finance models developed by the HDAT and KIPTAS can be good models for the solution of housing problems of urban poor in other countries.