Background and Objectives: The decline in GDP caused by the global economic recession of 2008 and that caused by the COVID-19 pandemic has resulted in the poor economy of countries around the globe with increased rates of unemployment and adverse job conditions. This systematic review aims to identify the impact of a Financial crisis on Psychological well-being, Life satisfaction, Health Satisfaction, and Financial Incapability. Methodology: The literature included in the review was searched from Feb 1, 2023, to March 26, 2023, by using the PUBMED database as the search engine. Studies discussing the impact of the financial or economic crisis on psychological well-being, Health, Life satisfaction, and Financial Incapabilities published in the English Language were included in this review whereas systematic reviews and metanalysis, case reports, articles published in languages other than English and articles with limited access were excluded. Results: Of the 26 articles found eligible for the study, there were 22 Quantitative studies, 2 qualitative studies, and 2 Mixed Method Studies. Most of the articles included in this study discussed the Global Economic crisis caused by COVID-19 and the Global Financial Crisis of 2008. Almost 80% of the studies included in this review discussed psychological well-being and the prevalence of psychological disorders including Depression, Anxiety, Stress, Fear, Loneliness, Burnout, and Suicide whereas the rest of the articles discussed mortality regarding mental disorders. Conclusion: Financial crisis or economic recession results in an increased prevalence of common mental disorders affecting psychological well-being by increasing rates of unemployment and adverse job conditions. Policymakers with competitive financial behavior and knowledge are essential elements for psychological well-being and life satisfaction. Keywords: Economic Crisis, Indebtedness, Mental illness, Psychological well-being, Depression, Anxiety

Background: The Black, Asian, and minority ethnic (BAME) groups are more prone to covid-19 disease severity and its associated mortality. The research has reported that the response of vaccines against different viral infections has varied among different groups of populations such as age, gender, race, and comorbidities. Therefore, the present study aimed to evaluate the efficacy of covid-19 vaccines of Emergency Use License (EUL) in BAME ethnicities. Method: We conducted a systematic review by using different names of EUL vaccines in Cochrane Covid-19 Study Register (CCSR) and WHO Covid‐19 global literature and exported the retrieved results to EndNote X8 to eliminate the duplicate records. The study followed PRISMA (Preferred Items for Reporting Systematic Reviews and Meta-analysis) guidelines for reporting systematic reviews. We descriptively reviewed the included studies and performed data synthesis for randomized controlled trials (RCTs). Results: A total of 4799 retrieved records were filtered down to 13 studies for inclusion which comprised nine RCTs, three case-control studies, and one retrospective cohort. The RCTs included in the data synthesis covered mRNA-1273, BNT162b2, NVX-CoV2373, AZD1222, and Ad26.COV2.S vaccines and reported 603 total events out of 125,874 participants in the interventional group and 3115 total events out of 109,093 participants in placebo groups. Compared to White participants, one RCT showed higher efficacy of mRNA-1237 in communities of color, whereas another RCT showed higher efficacy in Asians. Two RCTs showed that BNT162b2 had the highest efficacy (100%) in Black ethnicity. Similarly, one RCT of each NVX-CoV2373 and AZD1222 reported the highest efficacies of the respective vaccine in Black individuals. Among different vaccines, the Asian obtained the highest efficacy with mRNA-1273 but the lowest with BNT162b2. However, the data synthesis revealed a statistically significant favor for the efficacy of all vaccines over placebo across all subgroups of ethnicities. Conclusion: The covid-19 vaccines have non-inferior efficacy in different ethnicities. Nonetheless, the mRNA vaccines might be comparatively suitable for Black and Asian individuals in terms of efficacy than other vaccines. However, more studies with substantial representation of the BAME population are warranted to increase the magnitude of evidence in this regard. Keywords: Covid-19, vaccines, efficacy, BAME

Purpose: This study examines the ubiquitous nature and high level of consumer debt associated with certain demographics, with a specific focus on immigrants in the U.K. Methodology: A cross-sectional approach was deemed appropriate because the information used for analysis was based on specific points in time for the years 1995, 2000, and 2005. The sample method used was representative of all persons who were resident in Britain at multiple time points consistent to the waves of data collection. The sample used for this analysis was U.K. residents included in the BHPS during the years 1996, 2001, and 2006. Findings: The results showed that individuals with higher levels of education acquired more debt compared to lesser educated people, that credit card debt increased the total consumer debt owed, and that larger households incurred more consumer debt. Unique contribution to theory, practice and policy: The findings from this study may assist in positive social change by providing specific information to banks and lending institutions on how they can manage the credit This study might help in expanding the body of knowledge about the association of credit debt and immigrants in UK, which has received a growing interest among researchers in the field of finance, economics and ethnopolitics. Keywords: Credit debt, Immigrants, Consumer behavior, ethnicity, financial inequality

Purpose: This paper systematically reviews a reappraisal of the relationship between consumer behavior and credit card debt. Methodology: A thorough search was performed using scholarly databases including EBSCOHost, Google Scholar, Wiley Online Library, JStor, ProQuest, and Taylor & Francis. After a vigorously screening process, a total of 77 articles were accepted with the majority (96%) of articles published after 2012. Several consumer behavior factors were considered such as social factors, psychological factors, impulse buying, compulsive buying, optimism and pessimism, risk-seeking, mental health, age, income, education, immigrants, religion and financial literacy. Findings: Overall, influential factors that contribute to credit debt can be attributed to redlining and predatory lending by financial institutions. Racial inequalities have been shown to play a significant role in credit debt, especially in the UK. Unique contribution to theory, practice and policy: A major knowledge gap concerning immigrants exists and further provide insight on the role played by an individual’s ethnic group in the rate of home equity decline as well as the overall net wealth of a household, ultimately affecting their credit debt. It would be useful for policy-makers to examine the biased placed on credit debt and social-economic backgrounds.

Financial hardship is a phenomenon which mediates many other factors in life regardless of age group one of many is well-being. Well-being is a multi-disciplinary term. This paper will investigate existing literature on the effect of financial hardship on well-being using systematic review to minimize the biases. The data will be systematically searched with following databases: Wiley-online library, Google scholar, JSTOR, Tandfonline and Emerald. The present study is a systematic review of English language research of 2010 to 2020 research papers on financial hardship and well-being. The databases used in the research are Wiley Online Library, Google Scholar with keywords financial hardship, financial pressure, financial challenges, stress, wellbeing, anxiety, psychological well-being. 81 studies were excluded and 12 studies were selected after reviewing the title and abstract of 93 studies based on the PRISMA. The inclusion and exclusion criteria allow studies of 2010 to 2021 to be considered. Fewer data was present in the subject of wellbeing and financial stress. However, the results show impact of both variables. Financial pressure leads to poor wellbeing and other factors such as lack of social support, unhealthy family environment and dept can robust the impact. The research makes a unique new contribution in research, lending support for policy, academic theory, new contributions to current literature not found elsewhere, especially mental health management policy.