Value for money

Halloluwa, Thilina; Bandara, Pradeepa; Usoof, Hakim; Vyas, Dhaval

doi:10.1145/3292147.3292157

Cited by 10 publications

(2 citation statements)

References 38 publications

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“…Mesfin et al, [49] on features of mobile money applications for rural Ethiopia suggest that designers should focus more on social, cultural and religious practices as well as on embedded social meanings when introducing technology interventions. Halloluwa et al, [19] have explored the values associated with the financial affairs of rural Sri Lankans using participatory design workshops. They report three central themes (supporting family, Independence and spiritual beliefs) which acts as the driving force behind the financial decisions of rural Sri Lankans and suggest that the tools should focus on empowering these communities through technology.…”

Section: Financial Matters In Hcimentioning

confidence: 99%

“…Visiting the members one or two days prior to the meeting date to collect payments or remind about the payments is one such crucial activity. This allows the leaders to be informed about the payments of their members well in advance which in turn helps them to take necessary actions to cover for members who are struggling to make payments [19,20]. Dhana Labha allows the group leaders to manage their groups (Fig.…”

Section: Dhana Labha and Common Microfinance Workflows In Sri Lankamentioning

confidence: 99%

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Dhana Labha: A Financial Management Application to Underbanked Communities in Rural Sri Lanka

Halloluwa

Vyas

2019

Human-Computer Interaction – INTERACT 2019

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This paper presents findings from field trial of a mobile application called 'Dhana Labha' in a rural Sri Lankan community. Dhana Labha was designed to be used by the community members to manage their personal finances, oversee their performance in managing multiple microfinance loans and assist in loan collection. We distributed the application among thirty eight microfinance clients and studied their use over a period of six months. Our findings show that the use of Dhana Labha had a positive impact on existing local practices and financial awareness while prompting the participants to develop unexpected new practices around microfinance workflows. Our findings highlight the importance of understanding existing sociocultural practices for designing applications, as they strongly affect and shape the use of technology in a constrained setting.

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Section: Financial Matters In Hcimentioning

confidence: 99%

Section: Dhana Labha and Common Microfinance Workflows In Sri Lankamentioning

confidence: 99%

Dhana Labha: A Financial Management Application to Underbanked Communities in Rural Sri Lanka

Halloluwa

Vyas

2019

Human-Computer Interaction – INTERACT 2019

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Rethinking Financial Inclusion: from Access to Autonomy

Muralidhar

Bossen

O’Neill

2019

Comput Supported Coop Work

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Financial inclusion has been defined and understood primarily in terms of access, thereby constituting 'inclusion'/'exclusion' as a binary. This paper argues such a view to be myopic that risks treating financial inclusion as an end in itself, and not as means to a larger end. 'Access' oriented perspectives also fail to take into account considerations of structural factors like power asymmetries and pay inadequate attention to user practices. Through the case of auto-rickshaw drivers in Bangalore, India, and their use of Ola, a peerto-peer taxi hailing service similar to Uber, we show that access is a necessary, but not sufficient condition to achieve financial inclusion in a substantive sense. By examining in detail, the financial needs and practices of rickshaw drivers, we identify the opportunities and constraints for digital technology to better support their financial practices and enhance their wellbeing. The paper proposes adding 'autonomy' and 'affordances' as two crucial factors to be included in the discourse on financial inclusion. Finally, we outline design implications for P2P technologies to contribute towards the financial inclusion of drivers.

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Exploring Entrepreneurial Activities in Marginalized Widows

Rathnayake

Halloluwa

Bandara

et al. 2021

Proc. ACM Hum.-Comput. Interact.

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In some developing countries, widows are looked down upon and are often considered inauspicious especially in rural regions. Some societies even consider them and their issues invisible. This paper presents findings from a qualitative study focused on understanding how technology could facilitate entrepreneurial and DIY activities of widows from rural Sri Lanka. We conducted semi-structured interviews and field observations with thirteen widows from low socio-economic backgrounds, who were involved in various small-scale entrepreneurial activities. Our findings showed three central aspects associated with their entrepreneurial activities which can be supported through technology: initial stages of entrepreneurship, balancing work with life, and dealing with exploitations. This paper explores how gender inequality in a social context affects marginalized women in rural Sri Lanka in conducting their entrepreneurial efforts. In particular, we highlight resilient practices that the participants apply to support their entrepreneurial activities. With an "assets-based approach" we conclude by providing implications for policymakers, media, and HCI practitioners to support this inbuilt resilience by leveraging their current assets.

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Value for money

Cited by 10 publications

References 38 publications

Dhana Labha: A Financial Management Application to Underbanked Communities in Rural Sri Lanka

Dhana Labha: A Financial Management Application to Underbanked Communities in Rural Sri Lanka

Rethinking Financial Inclusion: from Access to Autonomy

Exploring Entrepreneurial Activities in Marginalized Widows

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