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Purpose of this paper is to assess the municipal solid waste management (MSWM) system and resident practices towards municipal wastes in Dessie city of Ethiopia.

A cross‐sectional study was conducted in 2008 and the data were generated by using self‐administered questionnaire and personnel observations using checklists. MSW generation and composition at household level was calculated by sorting and weighing the wastes from ten houses consecutively for seven days.

The study revealed that Dessie municipality is mainly responsible for collection, transport and disposal of the wastes. Solid wastes generation rate at household level was found to be 0.45 kg/capita/day, having a high percentage of ash and food products. In total, 97 percent of respondents had knowledge about wastes and its management; however, the majority of them (73 per cent) believed that females are responsible for wastes management at household level. About half of the respondents (48 per cent) disposed their wastes near roadsides and vacant areas, in open sewers, bank of rivers and around bushes. Most of the respondents were not satisfied with the present service and 79 per cent of them were willing to pay service charges if there is house‐to‐house (primary) collection initiation by the local authority.

Due to unavailability of laboratory equipment, moisture content and chemical composition was not analyzed for the collected wastes.

Enforcement of existing laws, composting and sanitary land filing can be feasible, useful and effective in the present situation in dealing with MSW problem.

The work identifies the gaps in the present MSWM system of Dessie City.

This study aims to understand the unique financial behavior of transgender individuals compared to cisgender individuals. Furthermore, this study aims to demonstrate that understanding the financial behavior of transgender people will help financial institutions, regulators and policymakers to include them in the formal financial sector.

The qualitative approach to research aims at understanding a given phenomenon among the participants. Semi-structured interviews are conducted with 28 transgender and cisgender individuals each. Thematic analysis is used to understand the participants’ financial behavior and propose future research directions and implications to regulators and practitioners.

The transgender participants (TP) earn no stable income compared to cisgender participants. Due to a lack of regular income, TP faces hardships covering their spending. No fixed spending or financial planning pattern is found among the TP, and they are found to be highly uncertain of their income and spending. The TP is found wholly excluded from the financial system, and not even a single participant with an active bank account or insurance is found. TP has not visited a bank in their lifetime, and financial literacy is found completely missing among them. No TP has ever taken a bank loan or credit from a financial institution. A zeal among TP to be financially included is found, and such participation will undoubtedly help them live a financially independent life. Cisgender people (CP) are found to be earning a stable income, have full-time jobs, save money, transact through a formal financial system and are financially more independent than TPs. Gender is shown to play a role in the financial behavior of the participants.

This study gathers information from transgender and CP and does not focus on the financial services providers; the decision not to interview the providers of financial services is a potential limitation of the present study. Another limitation is the small number of respondents who participated in the semi-structured interviews. Due to these limitations, the generalizability of the findings of this study regarding financial behavior will be restricted and require further evidence from future research.

The present study has several practical implications. First, the requirement of understanding the financial behavior of transgender people from their perspective is missing in the literature, and studies focusing on their behavior are required to help them be financially independent. The present study has implications for regulators, policymakers and practitioners to help transgender people improve their financial conditions.

The existing literature does not include studies focusing on understanding the financial behavior of transgender people or drawing a comparison of the financial behavior of transgender or CP. The present study explores the financial behavior of transgender people and highlights the unique financial behavior of transgender individuals.