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This paper aims to analyze the individual's socioeconomic and demographic determinants of financial inclusion and its barriers among for South Asian countries in the lens of existing financial inclusion policy, using World Bank Global Findex database for the period 2011, 2014, 2017, and 2021. We use the Probit regression model to explore the main objective of this study. In addition, we also analyze the trend, pattern, and barriers of financial inclusion for the period 2011- 2021 to identify differences among south Asian countries. Our results reveal that Sri Lanka is the best performer in the inclusivity of financial products as well as removing barriers to financial inclusion in all four periods. While Pakistan and Afghanistan are the least financially included countries, also they failed to remove barriers to financial inclusion. Moreover, our empirical results suggest that individuals who are male, older, wealthier, and more educated are more likely to access financial services, with income and education exerting a higher influence. Further, age shows a non-linear (inverted U-shaped) relationship with financial inclusion indicators. Additionally, we found that individuals having a formal account are the most important indicators of financial inclusion. And the reasons for financial exclusion (i.e., not having an account) are mainly voluntary among South Asian individuals. In fact, it is found that policies like Pradhan Mantri Jan Dhan Yojana for India and National Financial Inclusion Strategy across all South Asian countries play a significant role in accelerating financial inclusion and helping in removing its barriers with different magnitudes. Therefore, our finding stresses the importance of heterogeneous integrated policy measures for the targeted groups of the population, particularly the most vulnerable group among South Asian countries. [ABSTRACT FROM AUTHOR]

Understanding the characteristics that shape mobility could help to achieve more sustainable transport systems. A considerable body of scientific studies tries to determine these characteristics at the urban level. However, there is a lack of studies analyzing those factors for the heterogeneous zones existing in the suburbs of big cities. The study presented in this paper intends to fill this gap, in the context of two metropolitan corridors in the Madrid Region. Correlation analyses are used to examine how mobility patterns are affected by socioeconomic and urban form variables. Then, a cluster analysis is carried out to classify the types of zones we may find in the suburbs. Results show that the main characteristics leading towards higher car use are low urban density, few local activities, a high percentage of children, and a low percentage of seniors. As for the variable distance to the city center, it does not explain car use. Moreover, some remote areas have many walking trips. This is well understood in the cluster analysis; there are zones far away from the city center but that are dense and well provided for, which work as self-sufficient urban centers. Results reinforce the theories underlying polycentrism as a solution to the urban sprawl challenge. [ABSTRACT FROM AUTHOR]

This paper shows the socioeconomic characterization of the sugar cane cutters of the Ingenio Risaralda; moreover, the paper illustrates the perceptions of the workers to a transition towards the mechanized cutting of sugar cane and its impact over their livelihoods. Some surveys were used to identify the socioeconomic characteristics and using a number of keywords to identify the perceptions about the technological transition. The results show that cutting mechanized of sugar cane will produce a significant impact on the quality of life not only of La Virginia cutters but also of Caimalito. [ABSTRACT FROM AUTHOR]

Perceived travel time in public transport trip directly affects passengers’ satisfaction and therefore is an essential consideration when planning and operating the public transport system. However, beyond the prevalent analysis on the waiting time perception, there are few articles that have studied the travel time perception along the entire multimodal trip. In this context, this paper presents an empirical investigation of actual and perceived travel time at each stage in a bus-rail transport trip, where first mile, in-vehicle stage, transfer stage and last mile are considered. Data on actual and perceived travel time, socioeconomic characteristics, trip characteristics and facility usage are collected by accompanied survey undertaken from passengers’ originations to destinations. The results from a series of paired T -tests show that passenger do perceive travel time to be greater than the actual amount at each stage. Three linear regression models are developed for estimation of perceived walking, waiting and in-vehicle time. Results indicate that socioeconomic characteristics, trip characteristics and facility usage seem to have an impact on passengers’ travel time perception, while the travel time spent on the previous stage does not affect the perception much. [ABSTRACT FROM AUTHOR]

Abstract: This paper assesses group differences in severe and fatal road-traffic accidents by using a unique database that merges road-traffic records with the Israeli census data. The database traces, over a period of 9 years, a group of drivers that comprises 20% of the Israeli population and explores the probability of their being involved in an accident. This unique database enables the investigation of drivers’ socioeconomic and demographic characteristics, while controlling for a variety of variables, such as estimated daily distance traveled and license type. Testing a previously published theoretical paper on the social bases of accidents, the findings expose significant group differences in estimated probabilities of being involved in severe and fatal accidents. For example, estimated probabilities of accident involvement are higher for males than for females, for non-Jewish drivers than for Jewish, and for drivers whose origins are in Africa and Asia than in America and Europe. Furthermore, the higher one''s education and socioeconomic status, the lower is the probability of accident-involvement. The implications of the findings for developing road-safety programs and suggestions for future research are discussed. [Copyright &y& Elsevier]

Background: An economic crisis can widen health inequalities between individuals. The aim of this paper is to explore differences in the effect of socioeconomic characteristics on Spaniards' self-assessed health status, depending on the Spanish economic situation. Methods: Data from the 2006-2007 and 2011-2012 National Health Surveys were used and binary logit and probit models were estimated to approximate the effects of socioeconomic characteristics on the likelihood to report good health. Results: The difference between high and low education levels leads to differences in the likelihood to report good health of 16.00-16.25 and 18.15-18.22 percentage points in 2006-07 and 2011-12, respectively. In these two periods, the difference between employees and unemployed is 5.24-5.40 and 4.60-4.90 percentage points, respectively. Additionally, the difference between people who live in households with better socioeconomic conditions and those who are in worse situation reaches 5.37-5.46 and 3.63-3.74 percentage points for the same periods, respectively. Conclusions: The magnitude of the contribution of socioeconomic characteristics to health inequalities changes with the economic cycle; but this effect is different depending on the socioeconomic characteristics indicator that is being measured. In recessive periods, health inequalities due to education level increase, but those linked to individual professional status and household living conditions are attenuated. When the joint effects of individuals' characteristics are considered, the economic crisis brings about a slight increase in the inequalities in the probability of reporting good health between the two extreme profiles of individuals. The design of public policies aimed at preventing any worsening of health inequalities during recession periods should take into account these differential effects of socioeconomic characteristics indicators on health inequalities. [ABSTRACT FROM AUTHOR]

Background: In recent years, there have been a growing number of studies on spatial inequalities in health covering a variety of scales, from small areas to metropolitan areas or regions, and for various health outcomes. However, few investigations have compared health status between cities with a view to gaining a better understanding of the relationships between such inequalities and the social, economic and physical characteristics. This paper focuses on disparities in respiratory health among the 55 largest French cities. The aim is to explore the relationships between inter-urban health patterns, city characteristics and regional context, and to determine how far a city's health status relates to the features observed on different geographical scales. Methods: We used health data describing hospitalizations for Chronic Obstructive Pulmonary Disease (COPD) as a proxy for respiratory health, and the total number of hospitalizations (overall) as a proxy for general health. This last indicator was used as a benchmark. A large set of indicators relating to socioeconomic, physical and amenity aspects of the cities (urban units) was also constructed. Data were analyzed using linear correlations and multiple linear regression models. Results: The results suggest that socioeconomic characteristics are major discriminators for inequalities in respiratory health status among urban units. Indeed, once combined to socioeconomic characteristics, only a climate indicator remained significant among the physical indicators. It appeared that the pollution indicators which were significantly correlated with COPD hospitalization rates loosed significance when associated to the socio-economic indicators in a multiple regression. The analysis showed that among the socio-economic indicators, an employment indicator derived at the regional scale, and two indicators reflecting the unequal intra-urban spatial distribution of population according to their education, were the most efficient to describe differences in the respiratory health status of urban units. Conclusion: In order to design effective urban policies, it is essential to gain a better understanding of the differences among cities in their entirety, rather than solely differences across small urban areas or individuals. [ABSTRACT FROM AUTHOR]

Abstract: Introduction: Although prior studies of road traffic accidents have found between-group differences in risk, little attention has been given to the encounter between drivers involved in severe collisions. Method: The present study empirically evaluates two different possible causes of "social accidents," which are defined as collisions between two or more drivers where some faulty social interaction might be assumed, and which are the most prevalent cause of road injuries. The analyses use merged Israeli collision records from 1983 to 2004 with data from two national censuses, thus providing an unprecedented empirical basis to study the social foundations of car accidents. The data are used to adjudicate between two alternative hypotheses: the heterogeneity hypothesis (socially different drivers tend to collide) versus the homogeneity hypothesis (socially similar drivers tend to collide). Results: Multivariate analyses provide preliminary support for the latter hypothesis. Given an accident, there are more collisions among drivers from the same broad educational group, and the factors that influence this correlation are independent of geography. The paper thus leads to the idea that severe collisions reflect a sociological or ecological process that is akin to acciphilia. Impact on Industry: The preliminary findings suggest that variation between drivers may be preferable to similarity, since apparently there is a greater tendency toward collisions between similar drivers. [Copyright &y& Elsevier]

Abstract: This paper aims to find relations between the socioeconomic characteristics, activity participation, land use patterns and travel behavior of the residents in the São Paulo Metropolitan Area (SPMA) by using Exploratory Multivariate Data Analysis (EMDA) techniques. The variables influencing travel pattern choices are investigated using: (a) Cluster Analysis (CA), grouping and characterizing the Traffic Zones (TZ), proposing the independent variable called Origin Cluster and, (b) Decision Tree (DT) to find a priori unknown relations among socioeconomic characteristics, land use attributes of the origin TZ and destination choices. The analysis was based on the origin–destination home-interview survey carried out in SPMA in 1997. The DT application revealed the variables of greatest influence on the travel pattern choice. The most important independent variable considered by DT is car ownership, followed by the Use of Transportation “credits” for Transit tariff, and, finally, activity participation variables and Origin Cluster. With these results, it was possible to analyze the influence of a family income, car ownership, position of the individual in the family, use of transportation “credits” for transit tariff (mainly for travel mode sequence choice), activities participation (activity sequence choice) and Origin Cluster (destination/travel distance choice). [Copyright &y& Elsevier]

Scarcity of resources and their waste, as well as deteriorating quality of life and the environment, are pressing problems of modern civilisations. Rational and efficient energy consumption is one of the possibilities for preventing harmful practices and the degradation of ecosystems. Understanding the consumer's way of thinking and acting by identifying his needs and preferences are essential for effective efforts for smart, sustainable, and inclusive economic growth. Therefore, the aim of this article was a comprehensive socioeconomic analysis of particular behavioural types of energy consumers, as a continuation of the authors' previous research. The paper uses statistical methods (chi-square test and correspondence analysis) dedicated to non-metric variables for an effective analysis of the data obtained from the questionnaires. The identification of socioeconomic factors was carried out on a representative sample of n = 4506 respondents from eight European countries (the Czech Republic, France, Greece, Spain, Germany, Poland, Romania, and the United Kingdom). This allowed for distinguishing a typical representative of five consumer segments (EI; AE; DS; O; I), developed on the basis of motivation to save energy. The authors succeeded in combining behavioural segmentation with the socioeconomic characteristics of the created classes. The results indicated that 10 out of 12 examined factors were significantly correlated with the behavioural type. These are (in order of significance): attitude towards saving energy; age; employment status; home country; the ownership status of the premises; the number of people in a household; average monthly income per person in a household; education; gender and place of residence. [ABSTRACT FROM AUTHOR]

Abstract: In some cases, even relatively minor perturbations to growing season rainfall cause major harvest losses. In other cases, harvests are unaffected even by major rainfall perturbations. The purpose of this paper is to investigate possible socioeconomic reasons why some regions’ harvests are especially sensitive to changes in rainfall using rainfall and agricultural data from eastern China. Results suggest that for wheat and maize farmers, technical inputs were significant factors for maintaining harvest levels in low rainfall years. Rice harvests were more dependent on indicators related to access to labour. This work provides a preliminary step to quantitatively assess characteristics that enhance adaptive capacity in different cropping systems. [Copyright &y& Elsevier]

The rural–urban dichotomy is one of the most debated topics by the scientific community in territorial issues. In addition, many public entities and scientific studies have established the distinctive elements of rural and urban spaces by relating the decline of the rural ones with factors such as aging, low birthrate, the primary sector, unemployment, or poverty, among others. Therefore, the purpose of this paper is to spatially study the current model of territorial organization of Spanish urban and rural municipalities as well as their demographic and socioeconomic characteristics. To this end, GIS (Geographic Information System) tools were used to carry out a spatial autocorrelation (SA) analysis and to identify homogeneous groups of the variables considered. In conclusion, there are different demographic and socioeconomic realities in Spain, an urban one located on the coast with a positive situation and, on the other hand, a regressive reality composed of rural municipalities, among which there are villages whose situation is worrying, mainly located in the north of Spain. [ABSTRACT FROM AUTHOR]

Agricultural resource access and the influence of socioeconomic characteristics among women in Borno State, Nigeria was the main objective of this study. The data for the study were generated by the use of structured questionnaire which was administered to 266 respondents obtained by the use of multistage random sampling technique. The techniques used to analyze the data generated for this study were descriptive statistics and the binary logistic regression analyses. The major findings of the study showed that respondent's socioeconomic characteristics indicated high levels of illiteracy (59.4%), non-membership of cooperatives (89.8%), no extension contact (72%) and low access to credit (89.4%). Access to production resources including fertilizers, agrochemicals, family and hired labours and land ownership were low. Some socio-economic factors influenced the likelihood of women's access to production resources. These factors included cooperative membership, years of schooling, farm income, extension contact, off-farm income, family size, age, farming experience and farm size. It was recommended that agricultural development planners should work at enhancing rural women's access to socioeconomic factors which enhance their access to production resources for more efficient agricultural productivity. [ABSTRACT FROM AUTHOR]