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1.
Levels of consumer borrowing and debt in the UK and globally continue to rise. Credit makes a vital contribution to the success of the UK economy by driving economic activity and allowing consumers flexibility in how they choose to access the marketplace and manage their finances. Although most consumers manage their borrowing effectively, for a minority, the ease of access to credit results in overindebtedness. As a consequence, the need for money advice is prevalent. In the UK in recent years, services have been developed to assist consumers in financial difficulty. In Scotland, additional funding has been made available to enable further service developments in local government or voluntary sector provision. This paper reviews the literature on consumer overindebtedness, the development of money advice services and discusses the quality of these services in Scotland. It is likely to be of interest in other countries where consumer overindebtedness is rising and where money advice services are being developed to assist those experiencing problems. The review found that the rising levels of overindebtedness justify the case for developing money advice services but that there are many quality issues which require to be managed. Implications for the money advice profession were identified together with suggestions for the development of services in other countries. 相似文献
2.
Marco Frigerio Cristina Ottaviani Daniela Vandone 《International Journal of Consumer Studies》2020,44(4):328-342
In the past decade, evidence has been accumulated on the relationship between impulsivity and over‐indebtedness. Nevertheless, the magnitude of such association is still considered marginal compared to traditional socio‐demographic and economic factors, with the important consequence that impulsivity continues to be ignored in policy interventions for preventing and dealing with over‐indebtedness. The aim of this study was to meta‐analyse existing studies to answer the question: Are higher levels of impulsivity associated with greater over‐indebtedness? Scopus and Web of Science databases were searched for English language studies. Seventeen studies were eligible for the analysis. The random effect model yielded a significant positive association between impulsivity and over‐indebtedness (Hedges' g = .40). Type of over‐indebtedness (debt holding vs. unmanageable debt) and work status (percentage of employed individuals) significantly moderated this association. Results are discussed in terms of implications and recommendations for future research, policy and practice. 相似文献
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本文首先从社会信任、社会组织、社会参与、社会慈善四个维度度量中国各地区社会资本的发展水平,运用因子分析法构建社会资本的综合分数。在此基础上,选取2010－2013年可持续获得相关信息的468家上市公司组成的平衡面板数据为样本,运用固定效应模型和非参数检验方法实证检验社会资本与公司债务期限结构之间的关系。研究发现：社会资本和债务期限结构具有显著的正相关关系,即上市公司所属地区社会资本的发展水平越高,公司债务期限结构越长。 相似文献
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Recognition is a basic precondition of participation. This article applies the dimension of recognition to business ethics. A case is made for normative stakeholder management as a voluntary commitment at the level of corporate leadership; this also meets management’s strategic demands. A vitality criterion is offered as a heuristic instrument, suggesting that any operation should be avoided which would violate the legitimate interests of stakeholders. For this reason, the recognition of mutually-conditioned stakeholder claims is understood as the central management idea. 相似文献
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In 1999, Central Government launched an initiative to establish Consumer Support Networks (CSNs) throughout Scotland, England and Wales. The purpose of the networks is to improve access to high quality consumer advice services. Information and advice agencies will join together to provide expert, accurate and timely advice for consumers. By April 2002, 191 networks had been established covering in excess of 99% of the population. Only one local authority area in England has yet to establish a network. This paper reviews the development of consumer information and advice provision in the UK and considers the context for establishing CSNs. It also examines the need for consumer advice, the role of Central Government and the quality framework. Each CSN will conduct a gap analysis and assess the need for consumer advice in the local area. This will enable the network to develop a good understanding of consumers in the area and to take a more strategic approach in planning service developments to meet the identified needs. Consumer Support Networks aim to improve the provision of consumer information, education and advice. The literature suggests that consumers who are well educated regarding their rights are empowered through an increased ability to exercise them. Clearly branded advice services, marketed effectively to the public should result in higher levels of consumer awareness and, consequently, improve access to services. It is also expected that better flows of information between agencies will result in greater protection for consumers. Sharing ‘best practice’ nationwide should stimulate service improvements throughout. 相似文献
6.
Simon Teasdale 《非赢利和公共部门市场学杂志》2013,25(2):89-107
This article examines the potential impact of social enterprise on disadvantage. The case study research involved participant observation over a 2-year period. Selection of cases was based on a preliminary typology for social enterprise and disadvantage was conceptualized using the European concept of social exclusion. This sees exclusion as multidimensional and relative to the standards of the society in which a person lives. The existing research literature suggests that the aggregate economic impact of social enterprise upon exclusion is marginal. This is a consequence of a mismatch between policy expectations and what is happening in the field. This study found that different forms of social enterprise impacted on exclusion in different ways. This article outlines these different impacts in order to open up a more balanced perspective on the potential and limitation of social enterprise in combating disadvantage. 相似文献
7.
汪盛玉 《安徽商贸职业技术学院学报(社会科学版)》2010,9(4):15-18,22
“社会公正”与“公正”有着难以割舍的联系,但不能简单地将二者等同。“公正”是一个涵盖“正义”、“公平”、“平等”的总体性社会关系范畴;“社会公正”则是一个通过人的活动所实现的社会发展的客观过程,是一个社会发展逐渐与人的生存和发展相一致的过程。马克思主义视野的“社会公正”是社会整体意义上的公正,是为每个人的全面发展提供现实条件的公正。 相似文献
8.
Begoña Gutiérrez‐Nieto Carlos Serrano‐Cinca Marta de la CuestaߚGonzález 《International Journal of Consumer Studies》2017,41(2):188-198
This paper proposes a comprehensive explanatory model to explain both causes and consequences of over‐indebtedness. It presents as causes some borrower aspects, such as propensity to indebtedness and low financial literacy. Other causes are borrower circumstances: adverse external shocks, borrower internal problems and financial institutions' pressure. The model incorporates consequences on the borrower, the lender and the society. The model has been tested with a survey filled in by experts and over‐indebted individuals. Results have been analysed using multivariate techniques, including canonical correlations. There are differences in the opinions of experts and individuals: the latter blame external shocks or financial institutions' pressure, while the former find relevant factors the financial illiteracy or the tendency to imitate others. Experts and individuals agree on the consequences: poverty growth in the society and declining borrower's welfare. The paper concludes with the need to improve financial literacy, especially in the risks involved in over‐indebtedness. 相似文献
9.
Marek Hudon 《Journal of Business Ethics》2009,84(1):17-28
Discussion on financial ethics increasingly includes the problem of exclusion of the poorer segments of society from the financial system and access to credit. This paper explores the ethical dimensions surrounding the concept of a human right to credit. If access to credit is directly instrumental to economic development, poverty reduction and the improved welfare of all citizens, then one can proclaim, as Nobel Prize Laureate M. Yunus has done, that it is a moral necessity to establish credit as a right. Arguments both supporting and opposing the concept of a right to credit are presented. While there may be general agreement that access to financial services may provide a pathway out of poverty, granting a universal right could induce perverse effects such as overindebtedness. Bearing in mind the ultimate goal of proponents of this right as well as the potential harmful consequences, this paper offers a new perspective on the question of access to credit based on a goal-right system. 相似文献
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Ten years have passed since the National Council of Catholic Bishops presented their pastoral letter Economic Justice for All. For a democratic society to succeed, it must cultivate moral attachments. The following three questions are asked of all Americans regarding social ethics: l) How do my economic choices contribute to a sensitivity to those in need? 2) With what care, human kindness and justice do I conduct myself at work? 3) How do I strike a balance between labor and leisure that enlarges my capacity for friendships, for family life, for community? The importance of a sense of shared humanity is discussed and recommendations are made regarding emotions as strategies in the process of moral decisionmaking. The task of sensitizing both the intellectual convictions and the emotional feelings of Americans towards a more compassionate stance vis-a-vis the ‘disinherited’ in our midst is presented. 相似文献
12.
汪盛玉 《安徽商贸职业技术学院学报(社会科学版)》2012,11(2):1-7
社会公正是社会主义的本质要求,其根本体现是按劳分配和人权保障的统一。当今中国处于社会转型期,由于社会生产力不够发达、社会体制不够完善、传统发展理念不够科学、人们的社会公正意识不够强烈等原因,社会弱势群体边缘化、居民收入差距过大、社会公共权力运用失当、社会再分配力度弱化等社会公正问题较为突出。只有坚持马克思社会公正观的指导,以大力发展生产力为基础、以深化体制改革为保障、以全面落实科学发展观为关键、以培育人民群众的社会公正意识为动力,当今中国社会公正问题才能获得现实解决。 相似文献
13.
近十几年来,我国基尼系数在不断攀升,居民收入分配的差距日益扩大,这已成为经济和社会发展过程中的一个突出问题。本文从我国居民收入分配的现状入手,对收入差距进一步扩大的原因进行了分析,并提出了相应的对策建议。 相似文献
14.
Pauline Garcia‐Reid Bradley van Eeden‐Moorefield Brad Forenza Robert J. Reid Caitlin Eckert David T. Lardier 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2016,45(1):49-64
This study examined the connection between social justice and internships in Human Development and Family Science. In particular, the study sought to provide additional clarity to current conceptualizations of social justice by adding the voices of undergraduate family science students. In‐depth qualitative interviews were conducted with 20 family science students who completed an internship that was part of a federally funded HIV/substance abuse prevention initiative. The initiative took place in an economically disadvantaged city in the northeast. Eleven themes emerged from the data and were organized according to the sensitizing concepts of (i) conceptions of social justice; (ii) exposure to social justice; (iii) synthesis of knowledge. Implications for education and training are discussed. 相似文献
15.
Claire Hennessy Diane Grant Ian Cook Mark Meadows 《International Journal of Consumer Studies》2005,29(2):137-147
The concept of resettlement of homeless people has become an important idea among homelessness practitioners. The principles of resettlement involve assisting homeless people to live independently providing appropriate levels of support in order to do this. For young homeless people this type of support is considered particularly important to be able to overcome social exclusion. This paper examines the perceptions and experiences surrounding resettlement of young homeless people, hostel support workers and resettlement staff in a hostel for young people in Merseyside. The paper suggests that while resettlement represents a positive step towards overcoming homelessness, certain working practices are needed to ensure the best outcomes. These include team working between hostel and resettlement staff and offering easy access to services for young people. The paper also suggests that improvements to certain housing and social security legislation may improve the pathway through homelessness as experienced by certain young people. 相似文献
16.
Riyad Eid 《The Service Industries Journal》2013,33(8):1021-1039
In recent years, customer relationship management (CRM) has been the favoured theme for numerous studies and reports. Yet, there is a lack of systematic empirical evidence regarding the critical success factors (CSFs) for the CRM implementation, the activities that are affected by the use of the CRM programmes, and their consequent performance outcomes. In this article, we document the role of the CRM programmes in the banking sector and identify marketing activities that are affected by CRM usage. Taking a sample of 159 banks that utilise a CRM system, we found a substantial positive effect of the CRM usage on relationships effectiveness and marketing objectives. The results of this study have major implications for marketing people, as they suggest the notion that the CRM critical success factors should be implemented holistically rather than piecemeal to achieve the full potential of the CRM. The findings also stress the central role of customer services in the successful implementation of CRM programmes within banks. 相似文献
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Although people often exclude others in their daily encounters and social media interactions, no consumer research on ostracism has solely focused on sources of ostracism. We argue that the influence of ostracism on evasive behaviour is worth investigating since the scant academic investigations on sources are limited to their reparation intentions for their harmful behaviour. Three experiments were conducted to examine the influence of ostracizing behaviour (vs. neutral vs. social interaction) on extraordinary consumption in face-to-face and social media contexts. It was uncovered that sources sense dissonant feelings in dissimilar contexts when their behaviour transcends society's normative boundaries and, hence, prefer consumption that does not commonly appear in society as a means to evade this dissonance. The effect was moderated by sources' justification of their behaviour. We initiate consumer research on sources of ostracism and contribute to the marketing practice of introducing extraordinary consumption options by investigating the psychological consequences of ostracizing behaviour. 相似文献
19.
长期以来,关于公平、效率、稳定三者内涵的讨论始终绵延不断,但已有研究重点偏向分配公平或经济效率或社会稳定等某一个问题上,没有将三者纳入一个完整的分析框架内。未来应明确界定分配公平、经济效率与社会稳定的协调性内涵与判断标准,构建三者协调性评价指标体系,探讨其协调性测度方法,并建立其协调性预警机制。 相似文献
20.
浅析分配正义与完善社会保障制度的必要性 总被引：1，自引：0，他引：1
随着我国经济体制改革的逐步深入,社会保障制度作为市场经济的＂内在稳定器＂日益受到学者的关注。但考虑的角度主要是从政治层面或经济层面以及社会结构层面,对社会保障制度的理念基础即伦理道德的层面关注得较少。从伦理道德的层面即分配正义的角度来综述现有各学者的观点,分析我国当前完善社会保障的必要性,能＂给市场经济一张人道的面孔＂。 相似文献