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Purpose: Housing policies in India (last modified in 2017) define "affordable housing" on three main parameters – income of the target group, dwelling unit size and house price to income ratio. The Covid-19 pandemic has questioned the robustness of the defining parameters of affordable housing. This paper aims to study the impact of Covid-19 pandemic on housing affordability and adequacy for the urban poor and highlights how one pandemic has directly challenged the practicality of the affordable housing criteria in urban India. Design/methodology/approach: The study is based on a pilot test conducted through interviews with the consumer group. Furthermore, the affordable housing policies of urban India were studied in conjunction with the pandemic guidelines laid down by the World Health Organization. The consumer responses were analyzed in relation to the policies and guidelines to arrive at the inferences. The secondary case examples of the Dharavi slums in Mumbai and the Savda Ghevra slum resettlement colony in Delhi, along with the findings of the primary survey in the economically weaker section category, are used to formulate the conclusions. Findings: The pilot test conducted for the target consumer group clearly indicates that (i) the pandemic has severely affected the housing purchase capacity of the target consumer, thereby questioning the "affordability" of housing; (ii) proposed housing solutions are inadequate to enable livability, thereby questioning the "adequacy" of housing; and (iii) proposed housing solutions are inept to accommodate pandemic protocols. The Covid-19 pandemic and the conditions it imposed on the built environment clearly highlight the inadequacy of affordable housing parameters being followed in urban India. Research limitations/implications: Further research may be conducted on global best practices in housing, which may advise the housing policies in India. Practical implications: The study suggests key areas that need intervention and modification to make the housing policies more robust and effective. Social implications: The study explores the social sustainability aspects of housing, which are often considered secondary in policies. Originality/value: Because housing has a direct bearing on the physical, social and mental well-being of society, it is imperative to find housing solutions that are safe and resilient for a sustainable future. This paper is an original attempt by the author to question and highlight how the current affordable housing solutions adopted in urban India will continue to fail under any external adverse conditions unless modifications are considered in the existing housing parameters. [ABSTRACT FROM AUTHOR]

Purpose: This paper aims to focus on the housing situation in Indian cities and the various stakeholders involved in the housing sector. This study addresses the conflict in expectations of the supply and demand side of the housing and establishes the factors crucial to making housing successful for all the stakeholders, essential for sustainable urban development. Design/methodology/approach: This paper is developed using the content analysis of preceding independent reviews on housing sustainability by authors across the globe, a review of the current housing situation in Indian cities and a Pilot study of the desired qualitative aspects of housing by the consumer group. Findings: This paper identifies the challenges and constraints of the various stakeholders involved in the housing sector. A comprehensive list of all the parameters, both qualitative and quantitative, essential for successful housing implementation, focused on the preferences of the demand side, also referred to as the "Critical Success Factors (CSFs)" is generated. The results advocate a strict consideration and integration of these CSFs with the housing policies for all future housing projects. Research limitations/implications: Most of the studies conducted in the past have reviewed the housing situation in India from the perspective of the government authorities and the initiatives undertaken by them to improve the housing crisis. However, a gap exists in achieving a balanced understanding of the supply-side constraints, with the demand-side expectations from the housing. Focusing only on the supply without adequately understanding the consumption can only lead to further chaos in the already turbulent housing situation. Originality/value: To the best of author's knowledge, this is among the first attempts to address the housing scenario in urban centers of India, simultaneously from the perspective of both the demand side and the supply side of the housing, giving additional impetus to the expectations of the demand side which are often ignored. This study becomes more relevant in the ongoing pandemic situation to be able to provide appropriate and acceptable housing solutions to all. [ABSTRACT FROM AUTHOR]

In India, the business correspondent model was introduced to improve banking outreach in remote and rural areas. Although the BC Model struggled in the initial years, but in the last decade it has made continuous strides and currently provides banking services in more than 95% of villages in India. This research paper is targeted at investigating the impact of the BC Model on financial inclusion. To fulfill this objective, firstly, on the basis of theoretical support, we identified the factors that affect the usage of banking services through the business correspondent agents and then the impact of the identified factors on the banking usage behavior have been empirically tested using PLS-SEM. The findings reveal that the affordability of banking services at BC point, proximity of BC agents and time saved in accessing banking services through BC agent exerts a significant positive impact on banking usage behavior. [ABSTRACT FROM AUTHOR]

Highlights • This paper use coping cost approach to measure affordability to access safe water. • Monthly coping costs are INR 553 and INR 658 for piped and non-piped households. • For non-piped households, collection costs constitute 22% of the coping costs. • Coping costs are as high as 15% for the low income households. Abstract Sustainable Development Goal 6.1 is "to achieve universal and equitable access to safe and affordable drinking water for all". To measure affordability of accessing clean water, coping cost approach has been adopted, and this paper contributes to the burgeoning empirical literature on measuring affordability. The objective of this paper is to estimate coping costs related to the erratic, unsafe, and inadequate water supply in the metropolitan area of Chennai, India. Based on the data collected from 423 households, we find that households in Chennai city resort to five main types of coping behaviors: collecting, pumping, treating, storing, and purchasing. We employ the multiple regression with robust errors, to estimate the determinants of the coping costs. We obtain the mean coping costs as INR (Indian Rupee) 553, and INR 658 per month for piped and non-piped households in this sample. For non-piped households, collection costs (time costs in traveling and queuing for collecting water) constitute 22% of the coping costs, while collection costs for piped households are less 2% of the coping costs. One interesting finding is the variation of coping costs with household income—these costs are roughly 1% of income for the high income households to as high as 15% for the low income households. The results outline the need of policy intervention to enhance affordability. [ABSTRACT FROM AUTHOR]

BACKGROUND: The role of fiscal policy, especially taxation, though has been proved to be an effective instrument of tobacco control, its application is limited in India due to several reasons. This paper examines the tax structure, price and affordability of SLT products in order to provide evidence on how to strengthen the role of fiscal policy in tobacco control. METHOD: Secondary data on tax structure and revenue from tobacco products were collected from the Ministry of Finance, Government of India. In order to measure the rise of prices corresponding to the increase in tax rate, the retail price index (RPI) and Whole Price Index (WPI) of SLT products were compared with the price index for all commodities for the period 2006-2012. The affordability of tobacco products is calculated by dividing prices of tobacco products by per capita income. RESULTS: During the last 6 years, the tax rate on SLT has gone up leading to a rise in the prices of SLT products more than the general price rise. However, the price rise is less than the per capita income growth indicating increasing affordability. The study observed a decline in the consumption of zarda and kahini due to the price increase during 2008-2013. However, the decline in the consumption of zarda is less compared with khaini due to a very low rise in its price. CONCLUSION: The prices should be raised more than the growth in income to influence consumption. Tax administration is a major challenge for SLT products and strengthening it could enhance revenue collection from SLT products. [ABSTRACT FROM AUTHOR]

Millions of rural households in India lack access to clean basic lighting which hampers the ability of children to study during dark hours. Over 81 million students are likely to be dependent on kerosene lamps for basic lighting. Despite programmes focusing on disseminating solar lanterns since the last three decades, penetration is limited owing to three main barriers: affordability, absence of after-sales services and unavailability in rural markets. This paper presents the localization-affordability-saturation (LAS) model that addresses these main barriers by bringing together three institutional spheres - government, corporate and NGOs for speedy upscaling. This paper illustrates experiences and challenges that have emerged from field testing of the model through Million Solar Urja Lamp Programme while disseminating 1,000,000 solar study lamps to rural school children residing in more than 10,000 villages in India. Though implemented successfully, applicability of LAS model can be hindered due to dependence on subsidies, bottlenecks in local manufacturing infrastructure, absence of market mechanism and its relevance in providing complete lighting solutions. [ABSTRACT FROM AUTHOR]

India lives in villages! Rural India is a significant market as 68-70% of India lives in villages. Starting from the Father of Nation to industrialists, it has been predicted and noticed that the future of India lies in its villages. Many marketers (HUL, Dabur, LG, Chik Shampoo, Hero Honda, Mahindra, etc.) have made revenue of 35-45% from rural market1. Today, mobile phones are more than voice communication and have become most important and integral part of life due to various advantages in one product such as - alarm, radio, watching movie/videos, speaking, Whatsapp, access to Facebook, mails, information search, video call, etc. India being big in population and growing economy, with greater population living in villages with improved literacy rates, TV penetration, improved infrastructure, governments and industrialists schemes to improve and tap rural market, is thus a potential market for mobiles too. Rural market being a significant part of Indian economy, and telecom being a fastest growing sector, this paper focuses on understanding the buying behaviour of rural consumers towards mobile phones from the rural consumers of two villages of Mandya district in Karnataka. [ABSTRACT FROM AUTHOR]

The topic of public health is indispensable to talk about. It is essential to discuss new inventions, new and improved treatments, and their efficiencies with different combinations, but one thing that is important to remember is whether these inventions are available for those in need. Availability concerns are linked with affordability, as the affordability of a drug determines its consumption; furthermore, affordability can lead to overconsumption. The Trade-Related Aspects of Intellectual Property Rights (TRIPS) Agreement provides flexibility to control the misuse of patent monopolies. The object of this research is twofold: one is to investigate whether and how Pakistan incorporates TRIPS flexibilities in its national patent legislation, and the second is to find out the reason for unaffordable cancer treatment in Pakistan. This research highlights that the use of TRIPS flexibilities in Pakistan will help the state authorities to provide better health facilities to the public generally as well as particularly in cancer cases, as cancer treatment in Pakistan is unaffordable. The methodology applied for this research is primarily comparative and bears the qualitative aspect of the issue. This research concludes that Pakistan's legal system fails to incorporate effective legal provisions related to TRIPS flexibilities, and it also highlights that the ever-greening of patents results in the high prices of cancer medicines in Pakistan. This research further recommended that there is a dire need to incorporate and use TRIPS flexibilities in the country to control the high prices of cancer treatment and cancer mortality rate in the country. [ABSTRACT FROM AUTHOR]

Affordable housing has been the latest addition in the lexicon of Indian policy circles. As neoliberalism started gathering political and policy momentum, the discourse around low-income housing has shifted towards the Government of India's agenda of 'affordable housing for all'. A stated goal of the policy is to increase housing supply, including the low-income category. Today, however, the manifesting goals of affordable housing design seem to be a 'walk in two worlds', with inherent contradictions and paradoxes in the housing 'dream' currently being repackaged as affordable homes for low-income people. This paper investigates this aphorism. It argues that both affordability and housing design have several different meanings and identities. Transplanting standard housing design across the board suggests a rather elementary confluence of priorities and policies that is capable of producing a range of alternative scenarios, which may not necessarily align with the goal of 'affordable housing for all'. [ABSTRACT FROM AUTHOR]

Purpose Indian healthcare system, especially in rural regions, faces several problems that prevent it from achieving universal and sustainable healthcare coverage. The purpose of this paper is to capture such problems through expert opinions and provide solution concepts that are derived from other similar scenarios.Design/methodology/approach Delphi study has been conducted with 38 experts from diverse areas related to the Indian healthcare sector. Nineteen theses were formulated based on the discussion with experts and were reconfirmed through intensive desktop research. Finally, theses were subjected to expert panel member’s evaluation.Findings The pool of arguments provided by the participating experts included 415 written statements explaining the (dis-)agreement with the theses. The experts achieved consensus in six theses with interquartile ranges smaller or equal to 20. The written arguments provided by experts were summarized into five different categories, namely interrelations/dependencies in healthcare, inequalities in healthcare, lack of proactive measures, importance of healthcare personnel and role of government in healthcare. Finally, a framework is proposed mapping the issues identified at different stages of the healthcare value chain. Problem-based cost allocation and hub-and-spoke model are discussed as potential solutions for the issues identified.Research limitations/implications Lack of empirical and statistical data on the effective cost arising from the present issues suggests future research to determine these expenses and therefore examine the feasibility of applying the problem-based cost allocation framework discussed in this study.Practical implications Results show that merely targeting the supply side of healthcare falls short of the mark, especially in a country, such as India, with large socio-economic differentials. Healthcare system, hence, should be viewed from a market perspective, taking both forces of supply and demand into consideration.Originality/value This study intends to allow for a comprehensive approach to identify the issues in Indian healthcare system by reviewing the existing key studies in literature and validating it through empirical inputs from experts in the domain. Based on the validation, a framework is proposed mapping the issues identified at different stages of the healthcare value chain. [ABSTRACT FROM AUTHOR]

Background: Absence of better financing mechanism results in higher out of pocket expenditure and catastrophe, which leads to impoverishment and poverty especially among low- and middle-income countries like India. This paper examines the major characteristics associated with the higher out of pocket expenditure and provides an insight from Andersen's behavioural model that how predisposing, enabling and need factors influence the level and pattern of out of pocket expenditure in India. Methods: Data has been extracted from three rounds of nationally representative consumer expenditure surveys, i.e. 1993–1994, 2004–2005 and 2011–2012 conducted by the Government of India. States were categorized based on regional classification, and adult equivalent scale was used to adjust the household size. Multiple Generalized-Linear-Regression-Model was employed to explore the relative effect of various socio-economic covariates on the level of out of pocket expenditure. Results: The gap has widened between advantaged and disadvantaged segment of the population along with noticeable regional disparities among Indian states. Generalized-Linear-Regression-Model indicates that the most influential predisposing and enabling factor determining the level of out of pocket expenditure were age composition, religion, social-group, household type, residence, economic status, sources of cooking and lighting arrangements among the households. Conclusions: Present study suggests the need for strengthening the affordability mechanism of the households to cope with the excessive burden of health care payments. Furthermore, special consideration is required to accommodate the needs of the elderly, rural, backward states and impoverishment segment of population to reduce the unjust burden of out of pocket expenditure in India. [ABSTRACT FROM AUTHOR]

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Purpose: This study aims to analyze the effectiveness of online teaching and learning in the higher education sector during the COVID-19 pandemic and thereby design and formulate strategies to overcome the lacunas, if any, to enhance teaching effectiveness. Design/methodology/approach: A survey was conducted to analyze how far students were able to adapt to online teaching and learning, access teaching platforms and afford it. It was also studied whether they were able to grasp and apply the concepts learned. A total of 600 questionnaires were given, and 372 complete responses were received. Structural equation modeling is employed to test the hypothesis. Confirmatory factor analysis (CFA) was conducted to test the model fit and measurement model. Findings: This study is first of its kind in India which aims to analyze the effectiveness of online teaching and learning environments. This research model is designed to identify the determinants of effective online learning and to overcome the lacunas existing in the prevailing online teaching methods. It can be applied not just during crises like the pandemic but also during normal times to make teaching and learning more economical, innovative and impactful. The present study examined the impact of five major determinants—adaptability, affordability, bandwidth, grasping and interaction—on online learning and its effectiveness during COVID-19. It was observed that all the determinants positively influence online learning effectiveness. Research limitations/implications: The scope of the study was restricted to three centrally funded Indian Universities. Other institutions were not part of the study. Originality/value: This study is the first of its kind done in the current COVID-19 scenario, and the outcome would help overcome the lacunas in the prevailing online teaching scenario across the globe and make it more effective. [ABSTRACT FROM AUTHOR]

This study investigates disparities in healthcare services in the districts of Uttar Pradesh, the most populous and one of the poorest states of India in the health sector. To measure the disparities in healthcare services, a composite index has been computed using Principal Component Analysis in three domains namely, health availability, health amenities and health affordability and 12 representative indicators. On the basis of the results, districts have been clubbed into five categories, such as high, high-medium, medium, medium–low and low according to their composite scores. The study also uses k-means cluster analysis to find out the set of districts which are similar within the group, but they are different between the groups. Key results indicate that the districts of the western region are more developed in comparison to the districts of the eastern region in terms of three indices such as availability, amenities, affordability of healthcare services and overall composite health index. Also, k-means cluster analysis shows that there are many districts which are identical in many respects; however, they are located in different regions of the state. This study may be helpful to understand the poor availability and affordability of healthcare services in the districts of Uttar Pradesh, which should be improved to meet the objectives of the basic-needs approach and the millennium development goals. [ABSTRACT FROM AUTHOR]

Background: The sale of aerated or sugar-sweetened beverages (ASBs) has been consistently growing in India which has also experienced a major increase in non-communicable diseases. This study estimates the price elasticities of ASBs by different household-income groups in India and examine the trends in their affordability.Methods: The price elasticity for ASBs were estimated using a nationally representative household sample survey on consumption of ASBs in India and with Deaton's method which is robust to self-reported household expenditure surveys. Trends in affordability of ASBs were estimated using relative income price (RIP) which measured the proportion of per capita gross domestic product (GDP) required to purchase 100 L of ASBs in a given year. The elasticity parameters were used to estimate the incremental tax needed for a 10% reduction in ASB consumption.Results: The own-price elasticity of ASBs is - 0.94 in the overall sample and varied between - 1.04 to - 0.83 from low- to high-income households. There has been an annual average decline of about 6.8% in RIP of ASBs or an increase in their affordability over the last 13 years. Increasing the compensation cess on ASBs under the current Goods and Services Tax (GST) to 29%, will have the effect of decreasing ASB consumption by 10% and increasing the tax revenue by about 27%.Conclusion: The taxation policy on ASBs in India has largely been ineffective at increasing the real retail prices of ASBs as a result of which ASB consumption grew. ASBs should be classified along with other unhealthy products like tobacco and alcohol as demerit products for the purpose of taxation and their taxes should be regularly increased sufficiently enough to compensates for both general price inflation and income growth so as to decreases their affordability. [ABSTRACT FROM AUTHOR]

It is estimated that globally over 2.5 billion people are excluded from to access to monetary administrations of which 33% is in India. In spite of the fact that the span and extent of banking has along these lines expanded, the tremendous interest for monetary administrations stays insatiate. It’s anything but an issue of worry that even with 150 homegrown business banks including 19 Public Sector Banks, 20 Private Sector Banks, 44 Foreign Banks, 4 Local Area Banks, 56 Regional Rural Banks and more than 2,700 Co-employable Banks working 40% of the grownups have formal ledgers. Financial consideration plays a big part in the country’s inclusive growth the expansion of our economic system. The expansion of India’s agriculture sector is crucial. The availability of high-quality financial services in rural areas will allow a huge number of rural households to expand their businesses. The examination of Small Finance Banks and their role in achieving financial inclusion in India is the topic of this research and there are issues. [ABSTRACT FROM AUTHOR]

Purpose: The study attempts to explore the determinants of financial inclusion. Subsequently, it examines the effect of financial inclusion on financial well-being of marginalized street vendors in India. Design/methodology/approach: The demand-side analysis of measuring financial inclusion with a sample of 371 marginalized street vendors is adopted. Both exploratory and descriptive research designs are employed in this study. The primary data collection is done by administering the structured interview schedule by using a convenience sampling technique. Confirmatory factor analysis (CFA) and structural equation modeling (SEM) are performed to describe the latent constructs and their hypothetical relationships with adequate empirical evidence. Findings: Out of five dimensions of financial inclusion considered for the study, accessibility, availability, usage and affordability are found to be significant determinants of financial inclusion; however, the financial literacy dimension is found statistically insignificant. Further, the study results confirm that financial inclusion contributes substantially to the well-being of marginalized street vendors. Research limitations/implications: The outcome of the study will facilitate all the stakeholders including policymakers and financial institutions to enact policy guidelines to ensure financial well-being of the marginalized street vendors through financial inclusion initiatives. Originality/value: Financial well-being through financial inclusion is possible even without the effect of financial literacy from the unorganized sector perspective specifically marglianized street vendors. Thus, it adds new dimension to the existing literature on demand side analysis of measuring financial inclusion. [ABSTRACT FROM AUTHOR]

The high prevalence of stunting and micronutrient deficiencies among children in South Asia has lifelong health, educational, and economic consequences. For children aged 6–23 months, undernutrition is influenced by inadequate intake of complementary foods containing nutrients critical for growth and development. The affordability of nutrients lacking in young children's diets in Bangladesh, India, and Pakistan was assessed in this study. Using data from nutrient gap assessments and household surveys, household food expenditures were compared with the cost of purchasing foods that could fill nutrient gaps. In all 3 countries, there are multiple affordable sources of vitamin A (orange-fleshed vegetables, dark leafy greens, liver), vitamin B12 (liver, fish, milk), and folate (dark leafy greens, liver, legumes, okra); few affordable sources of iron and calcium (dark leafy greens); and no affordable sources of zinc. Affordability of animal-source protein varies, with several options in Pakistan (fish, chicken, eggs, beef) and India (fish, eggs, milk) but few in Bangladesh (eggs). Approaches to reduce prices, enhance household production, or increase incomes are needed to improve affordability. [ABSTRACT FROM AUTHOR]

The aim of present study is to explore various dimensions of service quality of Indian Healthcare sector from care provider’s perspective. Total of 362 healthcare providers including clinicians, staff nurses, lab & Imaging technologists, pharmacists and hospital management staff from both private and government hospitals participated in the study. The questionnaire had 5 dimensions taken from SERVQUAL along with three newly identified dimensions. Descriptive analysis of data was done besides mean for each dimension. Finally, exploratory and confirmatory analysis on SPSS 23 and AMOS version 21 was done to arrive at final set of dimensions and items under each. The findings suggested that all 8 dimensions are important for service quality of healthcare sector in India. The study adds to existing knowledge on service quality of healthcare by taking a different and unique care providers’ perspective. [ABSTRACT FROM AUTHOR]

This study examines associations between consumer characteristics, beliefs, and preferences and fruit and vegetable (FV) purchasing and intake in South Delhi, India. Home interviews were conducted with 245 households, using a structured questionnaire to assess FV consumption and purchasing frequency, spending, place of purchase, mode of travel, knowledge and attitudes toward organics, and beliefs about barriers to FV consumption. In-depth interviews with 62 experts and key informants validated survey findings that street vendors and markets are currently the dominant source of FV in South Delhi and that affordability, not accessibility, is the main barrier to increasing FV intake. [ABSTRACT FROM PUBLISHER]