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IMPACT OF INCOME AND SAVINGS ON PURCHASING BEHAVIOUR OF WOMEN

CHAPTER ONE

INTRODUCTION

1.1 Background to the Study

Women‟s income is always considered as a supplementary income within the family. Many studies suggested that women‟s earnings mainly go to the general expenditure for the wellbeing of the family, such as food, fuel, and health care, among others other than for their personal needs. One‟s income determines how much one can afford to allocate to different needs and wants. All humans need a place to live, clothing and a balanced food for healthy growth and vitality. Economists refer to these as basic needs, which tend to get first priority. A person‟s income is limited, whether it comes from traditional employment, self-employment or a combination of these; even if one is a billionaire. Of course, someone who has a lower income will tend to spend a higher percentage of salary on basic needs. Households with higher incomes can afford to allocate more of their incomes, to discretionary purchases, such as vacations, cars, second homes, expensive clothing, choice schools for children, and many more.

According to Idyorough, (2005), gender discrimination is socially construed, that is, positive or negative disposition towards women is perpetuated and maintained in the family, peer groups and religious centers. He stated that women in the last decades have made significant progress in obtaining responsible positions in various organizations, this paradigm shift is as a result of laws governing equal opportunities and equal pay, fair employment practices, changing societal attitudes towards women in the work place, and organizations, desire to place qualified women in managerial positions to project a favorable image.

Women in the workforce earning wages or salaries are part of a modern phenomenon, yet the women have been challenged by inequality in the workforce. Not until now women have been marginalized by cultural practices, combined with the longstanding religious beliefs that restricted women’s entry and participation in the workforce.

Statement of the Problem

Traditionally, it is the duty, of the men to provide for the needs of the family while the women remain to take charge of family affairs. However, industrialization and civilization motivated women into labour market to earn income so as to support the men while saving some part for the future. This is essentially important to cushion against economic shock while providing a way for women to accumulate the means to purchase asset, satisfaction of their needs and the support of their families. In an ideal situation, it is expected that the working class women should be able to save meaningfully to purchase productive assets and need based on their planned budgets. Unfortunately, observation has shown that most working class women are unable to save or lack savings. This may not be unconnected to the fact that most responsibilities of the family have been shifted to the women willingly or unwillingly (Ayenew, 2014).

How to get complete project materials


Step 1: make payment of N2,000 to the below bank details


NAME:                       TITUS AYANI SOLA
BANK:                       FIRST BANK PLC
ACCT NO:                  3111741042
ACCOUNT TYPE:       SAVINGS
AMOUNT:                  N2000

NAME:                       TITUS AYANI SOLA


BANK:                       GTB BANK
ACCT NO:                  0262412831
ACCOUNT TYPE:       SAVINGS

STEP 2: AFTER PAYMENT SEND THE PROJECT TOPIC AND YOUR EMAIL ADDRESS TO 08063666753

CLICK ON THE IMAGE BELOW TO REQUEST FOR MATERIAL
Updated: 31st January 2019 — 8:31 am

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