dc.contributor.author | Kamran, Sohail | |
dc.date.accessioned | 2017-12-12T08:12:58Z | |
dc.date.available | 2017-12-12T08:12:58Z | |
dc.date.issued | 2017 | |
dc.identifier.citation | Kamran, S. (2017). ROSCAs Role in Facilitating Control to the Unbanked : Evidence from Pakistan. <i>Electronic Journal of Business Ethics and Organization Studies</i>, <i>22</i>(2), 4-13. <a href="http://ejbo.jyu.fi/pdf/ejbo_vol22_no2_pages_4-13.pdf" target="_blank">http://ejbo.jyu.fi/pdf/ejbo_vol22_no2_pages_4-13.pdf</a> | |
dc.identifier.other | CONVID_27408170 | |
dc.identifier.other | TUTKAID_75993 | |
dc.identifier.uri | https://jyx.jyu.fi/handle/123456789/56267 | |
dc.description.abstract | This study investigated the
role of Rotating savings and
credit association ''ROSCA'' in
allowing unbanked consumers to
control and manage their routine
financial matters and assessed the
consequences of the Committee
(i.e.ROSCA) system for unbanked
consumers in the Pakistani context.
Qualitative data were gathered from
low-income unbanked consumers
through semi-structured interviews.
The study finds that the institutional
culture and rules of Committees
offer unbanked participants control
over their everyday financial affairs
and generally provide the unbanked
an opportunity to address their
vulnerability. However, Committees
lack legally binding contracts and
thus the possibility of fraud by
Committee organizers cannot be
completely discounted. Moreover,
Committee institutions are unable
to offer safekeeping services to their
members, which raises concerns
about the safety and privacy of
money collected by a member from
the Committee fund. Therefore,
Committees cannot consistently
ensure that the unbanked have the
ability to manage their day-to-day
financial affairs; thus, the unbanked
individual could experience
vulnerability. Finally, policy
implications regarding the financial
inclusion and wellbeing of unbanked
consumers are discussed. | |
dc.language.iso | eng | |
dc.publisher | Business and Organization Ethics Network (BON) | |
dc.relation.ispartofseries | EJBO - Electronic Journal of Business Ethics and Organization Studies | |
dc.relation.uri | http://ejbo.jyu.fi/pdf/ejbo_vol22_no2_pages_4-13.pdf | |
dc.rights | In Copyright | |
dc.subject.other | committees | |
dc.subject.other | ROSCAs | |
dc.subject.other | consumer vulnerability | |
dc.subject.other | financial exclusion | |
dc.subject.other | unbanked | |
dc.subject.other | Pakistan | |
dc.title | ROSCAs Role in Facilitating Control to the Unbanked : Evidence from Pakistan | |
dc.type | article | |
dc.identifier.urn | URN:NBN:fi:jyu-201712084567 | |
dc.contributor.laitos | Kauppakorkeakoulu | fi |
dc.contributor.laitos | School of Business and Economics | en |
dc.contributor.oppiaine | Basic or discovery scholarship | fi |
dc.contributor.oppiaine | Markkinointi | fi |
dc.contributor.oppiaine | Basic or discovery scholarship | en |
dc.contributor.oppiaine | Marketing | en |
dc.type.uri | http://purl.org/eprint/type/JournalArticle | |
dc.date.updated | 2017-12-08T13:15:17Z | |
dc.type.coar | journal article | |
dc.description.reviewstatus | peerReviewed | |
dc.format.pagerange | 4-13 | |
dc.relation.issn | 1239-2685 | |
dc.relation.numberinseries | 2 | |
dc.relation.volume | 22 | |
dc.type.version | publishedVersion | |
dc.rights.copyright | © Business and Organization Ethics Network (BON) | |
dc.rights.accesslevel | openAccess | fi |
dc.rights.url | https://rightsstatements.org/page/InC/1.0/ | |