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HRIOP87 ASSESSMENT 4 SEMESTER 2 TOPIC 5 2024 The bottom-of-pyramid (BoP) segment represents the largest but poorest socio-economic group, often characterized by limited access to resources, financial instability, and restricted participation in formal ec£5.39
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HRIOP87 ASSESSMENT 4 SEMESTER 2 TOPIC 5 2024 The bottom-of-pyramid (BoP) segment represents the largest but poorest socio-economic group, often characterized by limited access to resources, financial instability, and restricted participation in formal ec
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Module
HRIOP87 (HRIOP87)
Institution
University Of South Africa (Unisa)
HRIOP87 ASSESSMENT 4 SEMESTER 2 TOPIC 5 2024
The bottom-of-pyramid (BoP) segment represents the largest but poorest socio-economic group, often characterized by limited access to resources, financial instability, and restricted participation in formal economic systems. In South Africa, these con...
Key Financial Constraints Faced by Bottom-of-Pyramid (BoP) Consumers in South Africa
and Their Impact on Consumer Well-Being ................................................................ 24
1. Income Instability and Low Wages ......................................................................... 24
2. High Cost of Living Relative to Income ................................................................... 24
3. Limited Access to Financial Services ..................................................................... 24
4. High Debt Burden ................................................................................................. 25
Perceptions and Responses of Bottom-of-Pyramid (BoP) Consumers to Financial
Challenges Affecting Basic Needs ............................................................................ 26
Coping Mechanisms Used by Bottom-of-Pyramid (BoP) Consumers to Manage Financial
Constraints ............................................................................................................. 29
9 Conclusion, limitations, and recommendations ......................................................... 38
10 Reference List ........................................................................................................ 42
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