Understanding what microfinance institutions need to address to aid poverty alleviation, social inclusion and human development

Poverty, in its most basic form can be defined as a deprivation of well-being. It is an issue that has been evident in society for centuries and a concern for government policy makers and more recently for non-government organizations (NGOs). In this paper, we consider how management approaches to resolving the dilemma of poverty can be advanced by drawing on two major areas in the development arena associated with poverty, namely, ‘social exclusion’ and ‘the human development paradigm’. We put forward the argument that for groups of people where social disintegration has already occurred, only structural interventions coupled with a social development mechanism will achieve the desired effect. One method for achieving this is through the use of microfinance programs which provide a broad range of financial services to the poor and low-income households as well as to micro-enterprises. This paper contributes to both management practice and theory by developing a theoretical model that microfinance institutions need to do to aid both ‘human development’ and ‘social inclusion’ processes for the socially excluded and poor.

Fighting the digital divide with microfinance : building social capital and socio-economic development

Unlike other technology, lCT has the tremendous capacity to eliminate various social and economic barriers impeding the poor, helping them discover their potential. Wider access and use of lCT can improve social networks and increase civic engagement, thereby improving social fabric and developing social capital. Thus, scholars now have realized lCT plays a primary role in the formation and maintenance of social network. This paper identifies microfinance programs as an agent with unparalleled capacity to facilitate access to lCT and thus the formation of social capital and socio-economic development of the poor. In this paper, we also discuss the role of MFls in developing social capital in
South Asia and present an analytical model of how the intervention of microfinance can facilitate access to lCT by the poor with the result of an improved both socio-economic situation and social capital.

Social engineering and its impact via the internet

Historically social engineering attacks were limited upon a single organisation or single individual at a time. The impact of the Internet and growth of E-Business has allowed social engineering techniques to be applied at a global level. The paper will discuss how new social engineering techniques are being applied and puts forward a conceptual model to allow an understanding of how social engineering attacks are planned and implemented against E-Business activities.

The relationship between social anxiety and alcohol use in remand prisoners

Community studies have found a consistently high co-occurrence, between alcohol use and anxiety disorders, such as social phobia. Despite high prevalence rates of alcohol use and anxiety disorders in remand prisoners, the extent to which they co-occur in this population and the use of alcohol as a strategy to reduce social anxiety, have not been examined. The aim of this study was to assess levels of social phobia and the use of alcohol to reduce anxiety associated with social and performance situations in a remanded prison population. One hundred and one male prisoners (age M = 34.88 years, SD = 11.70) participated in the study. They completed the Social Phobia Inventory (SoPhI) and a questionnaire designed to assess levels of drinking in social and performance situations to reduce anxiety. High levels of social anxiety were found, together with high levels of drinking to reduce anxiety associated with social or performance situations. Drinking was predictive of reduced levels of social anxiety but the effect of social anxiety on drinking was stronger. The implications for treatment and future research are discussed.

Living alone, social support, and feeling lonely among the elderly

This study aimed to describe the characteristics of the elderly population living alone, and to examine how living alone relates to feeling lonely. Interviews were conducted with a stratified random sample of 4,859 elderly individuals living in Kaohsiung, Taiwan. Variables collected included demographic information, living alone or not, activities of daily living
(ADL), instrumental activities of daily living (IADL), Short Portable Mental Status Questionnaire (SPMSQ), chronic conditions, perceived social support, and a subjective measure of feeling lonely. Using logistic regression, it was found that factors associated with living alone included gender, marital status, occupation, source of income, religion, and IADL. Living alone was, in tum, related to decreased levels of both perceived social support
and feeling lonely after adjustment for potential confounders. Managing retired life is important for adult elders, particularly for men. Lack ofsocial support is common among the elderly community who live alone, which could wel1 be a main reason for this group to feel lonely. As loneliness is linked to physical and mental health problems, increasing social support and facilitating friendship should be factored into life-style management for
communities of elderly.

The Australian Association of Social Workers and social policy debates: a strategy for the future?

It has been argued that the Australian Association of Social Workers (AASW) not only has a mandate, but also an important role to play in influencing social debates for the benefit of the users of social services and, further, that as a professional association, it is ideally positioned to do so. However, the AASW has been criticised for failing to meet this mandate and have any lasting impact on the formulation of social policy. In the present article, the author considers the process by which the AASW engages in social policy debates and speculates on the historical, cultural, and structural factors that may impede its ability to do so. From this analysis, strategies are suggested for the AASW to increase its impact on the formulation of social policy.

Chaos theory and assessment of forest stakeholder attitudes towards Australian forest policy

The Regional Forest Agreement process has dominated Australian forest policy for the past decade. The RFA process set in place a mechanism by which benchmark conservation values were established for forest  ecosystems, whilst addressing the needs of the timber industry. The outcomes of a number of RFA's have been fraught with controversy. Key stakeholder groups have shown disagreement with processes and  outcomes of methods employed by government both in establishing conservation reserves and areas allocated to timber harvesting. This research uses non-linear techniques to examine the dynamical behavior in stakeholder responses and to identify patterns of behavior that may lead to prediction of stakeholder responses. The method developed in this research provides a bridge between social sciences and Chaos theory.¹

Social indicators and social development

This paper concerns the use of social indicators to improve social development and the happiness of populations. A distinction will be drawn between the traditional indicators of wealth and health and the new subjective social indicators. These latter measures concern the subjective side of life quality, or happiness, which in contemporary science is more commonly referred to as subjective wellbeing (SWB). The SWB construct is described within the theoretical context of SWB homeostasis. This is a proposed management system which has the role of maintaining a positive view of the self. It will be described how the homeostatic system can be challenged by hardship and defended by a variety of resources. Recommended forms of SWB measurement will be considered. It is concluded that both objective and subjective social indicators should be consulted by policy makers in order to plan the most effective initiatives to enhance population wellbeing.