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dc.contributor.authorKamran, Sohail
dc.contributor.authorUusitalo, Outi
dc.date.accessioned2016-08-24T10:49:36Z
dc.date.available2017-06-13T21:45:05Z
dc.date.issued2016
dc.identifier.citationKamran, S., & Uusitalo, O. (2016). How the unbanked cope with financial exclusion: Evidence from Pakistan. <em>Journal of Financial Services Marketing</em>, 21 (2), 153-165. <a href="http://dx.doi.org/10.1057/fsm.2016.6">doi:10.1057/fsm.2016.6</a>
dc.identifier.otherTUTKAID_70641
dc.identifier.urihttps://jyx.jyu.fi/handle/123456789/51050
dc.description.abstractThis article investigates both the coping strategies employed by low-income unbanked consumers in Pakistan and the consequences of those strategies. Qualitative data were gathered from low-income unbanked consumers through in-depth interviews. The findings suggest that unbanked consumers utilize their respective social networks and various market and personal resources to cope with financial exclusion. The utilization of social network resources to cope with financial exclusion typically enabled participants to fulfill their obligations in a positive manner and enhanced solidarity and trust among group members, whereas the use of market and personal resources tended to produce more negative consequences in the form of different types of risk. The article provides managerial implications for developing services that enhance the well-being of unbanked consumers.
dc.language.isoeng
dc.publisherPalgrave Macmillan Ltd.
dc.relation.ispartofseriesJournal of Financial Services Marketing
dc.subject.otherconsumer coping
dc.subject.otherdeveloping country
dc.subject.otherfinancial exclusion
dc.subject.otherlow-income
dc.subject.otherPakistan
dc.subject.otherwell-being
dc.titleHow the unbanked cope with financial exclusion: Evidence from Pakistan
dc.typearticle
dc.identifier.urnURN:NBN:fi:jyu-201608083727
dc.contributor.laitosKauppakorkeakoulufi
dc.contributor.laitosSchool of Business and Economicsen
dc.contributor.oppiaineBasic or discovery scholarship
dc.contributor.oppiaineMarkkinointi
dc.type.urihttp://purl.org/eprint/type/JournalArticle
dc.date.updated2016-08-08T09:15:06Z
dc.type.coarjournal article
dc.description.reviewstatuspeerReviewed
dc.format.pagerange153-165
dc.relation.issn1363-0539
dc.relation.volume21
dc.type.versionacceptedVersion
dc.rights.copyright© Palgrave Macmillan, a division of Macmillan Publishers Ltd 2016. This is a final draft version of an article whose final and definitive form has been published by Palgrave. Published in this repository with the kind permission of the publisher.
dc.rights.accesslevelopenAccessfi
dc.relation.doi10.1057/fsm.2016.6


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