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How Homelessness Affects Financial Services - Research Paper Example

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How Homelessness Affects Financial Services

An individual who is experiencing homelessness faces the violation of the rights to an adequate standard of living, right to liberty, right to education, right to social security, right to privacy, right to vote, among other human right (Karhuse, 2011). These rights of homelessness are protected by a number of human rights body, for example, convention on the rights of the child, international covenant on Economic, social, and cultural rights. Homelessness does not only affect the victims or people who are homeless, it also affects the community through having impacts on the financial services. This paper will explore the effects homelessness has on financial services. Statement of the problem Does homelessness have any impact on financial services? Homelessness has been a problem for a long time now. As the years progress, the number of homeless people keep soaring up. The government and other Nongovernmental organizations have tried to come up with solutions for this problem, in vain. As this problem keeps increasing, it has impacts on many sectors, including the financial sector (Karhuse, 2011). Homelessness is not an issue that one may choose to turn a blind eye to; it is a problem that people want to see come to an end. Through the process of doing this, a lot of resources are used, for example, finances. Homelessness affects different kinds of people, for instance, the aboriginals, refugees, women, children, people with mental illness, among other minorities. Sponsors, government bodies, NGOSs, have put efforts towards ending this menace, but homelessness is still a problem (Karhuse, 2011). Thus, the paper will seek to answer how homelessness affects financial services. Homelessness puts a lot of strain on financial services. However, there are ways by which this problem would be solved; thus; reducing the negative impacts that it possess on financial service. This could be done, for instance, through encouraging more donors, or reducing housing costs; thus, making it affordable even to the poor, or less fortunate in the society (Karhuse, 2011). Hypothesis Homelessness has a negative effect on financial services. Incorporation of other donors and reduction of housing costs will help reduce homelessness; thus, reduce the negative impacts homeliness has on financial services. Literature review Immediately one mentions the word homelessness one tends to imagine the difficult life the homeless people are living; the lack of security, lack of privacy, or the fear the people may be experiencing. The government, Nongovernmental organizations, and other bodies, have come up with various strategies, to deal with the issue. However, studies show that the number keeps increasing every day. In the United States, the issue of homelessness can be traced back to the colonial period when America was established. During this time, the main cause of homelessness was war. Homeless has been found to affect mostly people of a certain race and class. For example, African Americans are among the majority of people in America who have been regarded as homeless, an also those below the poverty level (Terashima, 2005). The mentally ill have also been found to loiter around the streets and spending the night sleeping in the ...Show more
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Summary

How homelessness affects financial services Name Instructor Course Date Introduction Homeless is the inadequate access to a housing that is safe and secure. Homelessness is determined by a housing that may damage a person’s health, threatens a person’s safety, lacks the provision of normal economic and social support of a home, and places an individual in a situation that threatens or adversely affects the adequacy, security and affordability of that housing (Karhuse, 2011)…
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