scholarly journals Agricultural credit provision: what really determines farmers’ participation and credit rationing?

2017 ◽  
Vol 77 (2) ◽  
pp. 239-256 ◽  
Author(s):  
Collins Asante-Addo ◽  
Jonathan Mockshell ◽  
Manfred Zeller ◽  
Khalid Siddig ◽  
Irene S. Egyir
Keyword(s):  
Service Providers ◽  
Rural Poverty ◽  
Credit Rationing ◽  
Farm Households ◽  
Unique Contribution ◽  
Loan Default ◽  
Content Type ◽  
Factors Influencing ◽  
Entry Points ◽  
Credit Programs

Purpose The purpose of this paper is to analyze determinants of farmers’ participation and credit rationing in microcredit programs using survey data from Ghana. Design/methodology/approach The authors use the Garrett Ranking Technique to analyze farmers’ reasons for participation or non-participation in credit programs, a probit regression model to estimate factors influencing farm households’ participation, and the Heckman’s sample selection model to identify factors influencing farm households’ probability of being credit rationed by microcredit programs. Findings The results reveal that farm households participate in credit programs because of improved access to savings services and agricultural loans. Fear of loan default and lack of savings are reasons for non-participation in credit programs. Furthermore, membership in farmer-based organizations (FBOs) and the household head’s formal education are positively associated with farmers’ participation in credit programs. The likelihood of farmers being credit rationed (i.e. their loan applications were either rejected or the amount of credit they applied for was reduced) is less likely among higher income farmers and members of FBOs such as farmer cooperatives and savings clubs. Practical implications The findings suggest that policy strategies aiming to improve access to savings and credit services should educate farmers and strengthen FBOs that could serve as entry points for financial service providers. Such market smart strategies have the potential to improve farmers’ access to financial services and reduce rural poverty. Originality/value Although existing studies have examined farmers’ participation in credit markets and credit rationing separately, the unique contribution of this paper is the analysis of participation in microcredit programs as well as the likelihood of farmers being credit rationed in Ghana.

An assessment of flight efficiency based on the point merge system at metroplex airports

2018 ◽  
Vol 90 (1) ◽  
pp. 1-10
Author(s):  
Ozlem Sahin ◽  
Oznur Usanmaz ◽  
Enis T. Turgut
Keyword(s):  
Fuel Consumption ◽  
Empirical Model ◽  
Service Providers ◽  
Control Area ◽  
Flight Time ◽  
Flight Distance ◽  
Data Set ◽  
Content Type ◽  
International Airport ◽  
Entry Points

Purpose Metroplex is a system of two or more airports, in physical proximity, with highly interdependent arrival and departure operations. The purpose of this study is the construction of an efficient and effective air route model based on the point merge system (PMS) to reduce aircraft fuel consumption and CO2 emissions for three metroplex airports in Istanbul terminal control area (TMA). Design/methodology/approach A PMS arrival route model is constructed for metroplex airports. In the proposed model, two situations are taken into consideration: for delay which can be defined as flying on sequencing legs (PMSdel) and for no delay (PMSno del). An empirical model is developed using a data set including the flight data records of ten actual B737-800 domestic flights. With this empirical model, both the baseline and the PMS models (PMSdel and PMSno del) are compared in terms of fuel consumption, CO2 emissions and flight distance and time as a theoretical computation. Findings In the proposed PMSno del arrival route model, according to different entry points for Istanbul Ataturk International Airport (LTBA), the analyses show an average reduction of 26 per cent in flight time, 24.5 per cent in flight distance, 17 per cent in fuel burned and CO2 emissions; in addition, for Sabiha Gökcen International Airport (LTFJ) there are 34, 23 and 32 per cent average savings for flight time, flight distance and fuel burned together with CO2 emissions obtained, respectively. Even if the PMSdel model, for LTFJ except only one entry point, for LTBA except two entry points, better results are obtained than baseline. Practical implications The point merge model for metroplex airports in this paper can be applied by airspace designers and Air Navigation Service Providers to perform efficient and effective arrival routes. Originality/value In this study, a point merge model is constructed for metroplex airports. Quantitative results, using an empirical model, are achieved in terms of fuel consumption, CO2 emissions and flight distance and time at metroplex airports.

A RIDIT approach to evaluate factors influencing tourist destination brand selection behaviour pertaining to Indian tourism sector

2017 ◽  
Vol 12 (4) ◽  
pp. 583-602
Author(s):  
Subhajit Bhattacharya ◽  
Rohit Vishal Kumar
Keyword(s):  
Service Providers ◽  
Brand Choice ◽  
Evidence Based ◽  
Choice Behaviour ◽  
Tourist Destination ◽  
Content Type ◽  
Tourism Marketing ◽  
Factors Influencing ◽  
Tourism Sector ◽  
Destination Brand

Purpose This paper aims to examine the components or factors influencing tourists’ destination brand selection behaviour in Indian context with evidence-based management modelling by using the Relative to an Identified Distribution (RIDIT) approach. This evidence-based tourism marketing research has contributed to enhance understanding the tourists’ motivation to support decision in tourism marketing domain. The present study has focused on identifying the most relevant factors in the order of priority that influence destination brand-choice behaviour pertaining to Indian tourism sector. The current research has also tried to arrange the different items relating to tourists preferences for better understanding the insight of potential tourists relating to Indian-tourist destinations. Design/methodology/approach A descriptive, survey research design was chosen to investigate and organize the different components or items in degrees of priority to explain the tourists’ destination brand selection behaviour. In total, 387 empirical tourist samples were collected across India covering both domestic and international tourist segments. An evidence-based management modelling with RIDIT analysis is done to examine the factors, which have influencing role on tourist-destination brand choice behaviour related to Indian tourism market. Findings The outcome of this research paper should enable the tourism marketers, tourism service providers, tourism brand managers and consultants to create better linkages between the prospective tourists’ preferences and the marketing mix of the destination brands by using evidence based management modelling. Originality/value The present research is an original and innovative thought process, trying to evaluate the components or factors influencing tourists’ destination brand selection behaviour pertaining to Indian tourism sector by using the RIDIT approach. Research undertaken so far in tourism marketing area has investigated the different components related to tourism behaviour and destination-brand selection intention of the potential tourists in an unintended and less organized manner. This study can be seen as the first empirical evidence in the domain of tourism marketing where evidence based management modelling with RIDIT approach is done.

Factors influencing adoption of payments banks by Indian customers: extending UTAUT with perceived credibility

2019 ◽  
Vol 13 (2) ◽  
pp. 173-195 ◽  
Author(s):  
Kriti Priya Gupta ◽  
Rishi Manrai ◽  
Utkarsh Goel
Keyword(s):  
Behavioral Intention ◽  
Service Providers ◽  
Explanatory Power ◽  
Content Type ◽  
Perceived Credibility ◽  
Performance Expectancy ◽  
Intention To Adopt ◽  
Factors Influencing ◽  
Migrant Laborers ◽  
Effort Expectancy

Purpose The purpose of this paper is to investigate the factors influencing the behavioral intention to adopt payments banks services by Indian underbanked and unbanked population. Design/methodology/approach The proposed model has assimilated factors from the Unified Theory of Acceptance and Use of Technology (UTAUT) along with perceived credibility. The factors of UTAUT include performance expectancy, effort expectancy, facilitation of conditions and social influence. Apart from testing the direct relationships of the model constructs with the behavioral intention to adopt payments banks services, the study has also explored mediating and moderating effects of certain constructs. The research model has been empirically tested using 660 responses from a field survey conducted in New Delhi – the capital city of India – by using the structured equation modeling (SEM) technique. The target respondents of the study are small businessmen and migrant laborers who are either underbanked or unbanked. Findings The findings of the study reveal that the model is able to explain 67.5 per cent of the variance in behavioral intention. The results indicate that all the factors are direct determinants of behavioral intention. Perceived credibility is found to be the strongest influencer of behavioral intention. The findings also indicate that perceived credibility partially mediates the relationships between “social influence and behavioral intention” and “performance expectancy and behavioral intention.” The relationship between performance expectancy and behavioral intention is also found to be moderated by facilitating conditions and effort expectancy. Research limitations/implications As this study is based on a convenience sample of respondents of only one city of India, this could negatively reflect on the generalizability of results across other cities. Moreover, the study has only focused on the perceptions of small businessmen and migrant laborers. This raises concerns regarding the applicability of the results for other segments of the current population that have different demographic characteristics (e.g. occupation, income, education level and technology experience). Modifying the conceptual model presented in this research to include “experience” and “age” as moderators can also be worth considering in future. Although this study has extended the UTAUT to include perceived credibility, the results of the explanatory power of the model indicate that there is still room for improvement. Therefore, including other constructs, e.g. hedonic motivation, perceived risks and trialability, could be a fruitful path forward. Future studies may also examine the factors influencing the actual use behavior of payments banks, rather than just behavioral intention. Practical implications The study looks forward to providing the payments banks service providers in India with suitable guidelines for effectively implementing and designing payments banks services. Specifically, the results of this study have provided clues for Indian payments banks service providers about the crucial role of perceived credibility in influencing the behavioral intention to adopt payments banks. Therefore, service providers have to initially be sure that payments banks are able to conduct financial transactions efficiently, securely and within less time, along with the availability of information required by customers to successfully use the services. Service providers should enhance customer confidence and trust by providing secure and reliable services. They should also emphasize on the positive safety measures of the payments banks during any marketing campaign rather than just creating brand awareness. Originality/value The study represents a substantial contribution to the existing knowledge regarding mobile payment channels in particular and technology acceptance area in general. In fact, this study presents a worthwhile direction by examining payments banks services, which, so far, have not been well evaluated in the Indian context. To the best of the authors’ knowledge, this is an early attempt toward a holistic and integrative approach to explain adoption of payments banks in India. Although prior studies have addressed mobile banking and mobile payment adoption, the strength of this research lies in combining the UTAUT constructs with perceived credibility. This is evidenced by the high explanatory power (67.5 per cent) of the research model adopted in this study.

Quality, satisfaction and loyalty indices

2018 ◽  
Vol 11 (4) ◽  
pp. 428-446 ◽  
Author(s):  
Ana Ma Castillo Canalejo ◽  
Juan Antonio Jimber del Río
Keyword(s):  
Structural Equation ◽  
Quality Index ◽  
Service Providers ◽  
Perceived Value ◽  
Perceived Quality ◽  
Large Set ◽  
Unique Contribution ◽  
Content Type ◽  
Tourism Services

Purpose The main purpose of this research was to develop a universal model to evaluate the perceived value of tourism services and satisfaction with, and loyalty to, destinations from the consumers’ perspective and demonstrated the model’s applicability in this context. Design/methodology/approach Using the structural equation model, cause and effect relationships were identified between the proposed model’s constructs, and indices of quality, satisfaction and loyalty among tourists were estimated. This system was applied to a large set of data collected with a structured questionnaire distributed to tourists visiting the city of Seville through a non-probabilistic sampling by intentional quotas method. In total, 922 valid surveys were obtained. Findings The indices show that tourists who visit Seville report a high level of loyalty to, and satisfaction with, this place because of the perceived quality of a variety of services. It is observed that the perceived quality index is much higher (17.95 per cent) than the expected quality index, so the quality of the service received by the tourist during his/her visit to Seville is described as excellent. Research limitations/implications Regarding this study’s limitations, other variables could have been included that influence tourist satisfaction, such as the climate, the effect of advertising medium, the prices and the emotional components. In addition, surveying tourists’ expectations before their visit is virtually impossible, as is surveying the same tourists again about their perceived value and satisfaction after their visit. Future lines of research could focus on the intersection of information between tourism offer and demand, providing information about an appropriate balance in specific markets. The proposed model can also be applied to other tourism places that are similar to Seville’s tourism offer, allowing useful comparisons and identification of critical points and ways to improve customer satisfaction continuously. Practical implications By establishing indices of expected and perceived quality and satisfaction and loyalty among tourists, tourism authorities and different economic agents involved in this sector can receive objective information about the results and quality of tourism services. Tourism managers, thus, can set objectives for improvements and competitiveness, as well as building and maintaining customer loyalty. At the same time, these indices allow comparisons with other organisations and places. By facilitating greater transparency in the measurement of quality and satisfaction, service providers connected to tourism can create a platform on which to articulate clearly their contributions to interested parties and local communities. Social implications These results constitute strategies and findings that any tourism place has to consider in the planning and development of its products. Therefore the model can help to encourage a long-term market perspective among tourism sector regulators, investors and agencies. With the information obtained with this model, areas needing improvement can be identified and the appropriate procedures can be put into practice to improve the tourism offer, adjusting it to meet travellers’ needs according to their motivations to travel to the destination. Residents also can benefit from these measures, as their quality of life will improve through upgrades of the city’s tourism facilities. Originality/value The unique contribution of the present study lies in how the indices or indicators of quality of, satisfaction with and loyalty to destinations among tourists are easily measured by applying structural equation modelling. A new approach to measure satisfaction, loyalty and quality is used based on a scale from 0 to 100, and the index results are very useful for comparing different tourist places.

scholarly journals ADOPTION AND IMPACT OF IMPROVED PIGEON PEAS ON FARMING HOUSEHOLD POVERTY IN SEMI-ARID SOUTH EAST KENYA

2020 ◽  
Vol 5 (1) ◽  
pp. 36-48
Author(s):  
S J Matere ◽  
J R Busienei ◽  
O.L E Mbatia
Keyword(s):  
Service Providers ◽  
Rural Poverty ◽  
Household Survey ◽  
Pigeon Pea ◽  
Farm Income ◽  
Market Information ◽  
Cross Sectional ◽  
Factors Influencing ◽  
The Impact ◽  
Semi Arid

Purpose: The purpose of the study was to assess the factors influencing adoption of improved pigeon peas in semi-arid South Eastern Kenya and to evaluate the impact of adoption on households’ poverty. Methodology: The study used cross sectional data gathered through household survey to establish the factors influencing improved pigeon pea adoption. Propensity score matching approach was further used to assess the impact of adoption on households’ poverty. Findings: The results show that farmers’ access to improved pigeon pea seed, contact with agricultural extension service providers and access to market information significantly influenced adoption (p< 0.001). Adopters and non-adopters got an average net farm income of Kenya shillings (KES) 29,570 and 21, 490 per acre per year respectively. Adoption of improved pigeon peas resulted in a decrease of head count poverty by 0.24% and a reduction of poverty gap and poverty severity by 0.30% and 0.20 % respectively. Contribution to theory, practice and policy:  The study recommends that both National and County Government make policies that create enabling environment for private sector participation in production of certified seed to improve farmers’ access to improved seed to augment production. Facilitating farmers’ improved access to reliable and timely market information will increase production of marketable surplus of the peas that are adaptable to semi-arid areas, increase fall income and contribute to reduction of rural poverty.

Sustainability responses to climate-smart adaptation in Africa: implication for food security among farm households in the Central Region of Ghana

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Samuel Kwesi Ndzebah Dadzie ◽  
Emmanuel W. Inkoom ◽  
Selorm Akaba ◽  
Festus Annor-Frempong ◽  
James Afful
Keyword(s):  
Climate Change ◽  
Food Security ◽  
Central Region ◽  
Policy Implications ◽  
Farm Households ◽  
Mitigation Measures ◽  
Household Food Security ◽  
Unique Contribution ◽  
Content Type ◽  
Adaptation Practices

PurposeThe consequences of extreme climatic events that threaten food security have created the urgent need to properly adopt climate-smart adaptation techniques to improve productivity. The study examined the sustainability responses to climate-smart adaptation and the implication it has for explaining the food security situations among farm households in the Central Region of Ghana.Design/methodology/approachWe estimated Heckit treatment effect model to analyse cross-sectional data collected from randomly selected farmers in the Central Region.FindingsAnalysis of farm sustainability index suggests that farmers' agricultural practices in response to climate change are lowly or moderately sustainable. We further found that while majority of the farm households are severely food insecure or food insecure with hunger, only about one-third are food insecure without hunger and the remaining few being food secure. The sustainability of farm practices is being impacted by the farmers’ choice of climate smart adaptation measures at the farm level. Consequently, the farm households' food security situation is found to be improved when sustainable farming practices are employed in the face of managing climate change effects.Practical implicationsConclusions drawn from the study findings give rooms for policy implications that suggest responsibilities for policymakers, farmers and other stakeholders to promote CSA practices in food crop production in Ghana. These policy implications will contribute to improve crop productivity, increase incomes and thus enhance food security among farm families. Awareness campaign about benefits of CSA practices and technologies need to be strengthened among farmers in Ghana by government and NGOs that matter in promoting farm resilience to climate change. Given the important impacts of sustainable farm practices on household food security situation, policies that seek to build the adaptive capacity of farmers to climate vulnerability impacts should take into consideration the sustainability dimensions of the adaptation and mitigation measures to be advocated for use at farm levels.Originality/valueOur paper contributes to literature knowledge on climate-smart adaptation practices effect on food security as evidenced in some recent literature. The paper makes a unique contribution by highlighting the food security implication of the sustainability impact of CSA practices, thereby exploring sustainability as an impact pathway between climate smart adaptations practices and food security in a developing country like Ghana. We approached our study aiming at making new contribution by introducing in the study implementation a quasi-experimental research design which future studies on impacts of climate smart adaptation practices can replicate.

Technological, organisational and environmental factors influencing managers’ decision to adopt cloud computing in the UK

2015 ◽  
Vol 28 (6) ◽  
pp. 788-807 ◽  
Author(s):  
Anabel Gutierrez ◽  
Elias Boukrami ◽  
Ranald Lumsden
Keyword(s):  
Cloud Computing ◽  
Service Providers ◽  
Cloud Services ◽  
Trading Partner ◽  
Content Type ◽  
Adoption Decision ◽  
Computing Services ◽  
Factors Influencing ◽  
Cloud Computing Services ◽  
The Uk

Purpose – The purpose of this paper is to determine the factors influencing managers’ decision to adopt cloud computing in the UK using the “Technology-Organisation-Environment” (TOE) framework. Design/methodology/approach – Data were collected through a self-created questionnaire based survey that was completed by 257 mid-to-senior level decision-making business and information technology (IT) professionals from a range of UK end-user organisations. The derived hypotheses were tested using various data analysis techniques including principal component analysis and logistic regression. Findings – The results show that four out of the eight factors examined have a significant influence on the adoption decision of cloud computing services in the UK. Those key factors include competitive pressure, complexity, technology readiness and trading partner pressure. The latter predictor; trading partner pressure, was the most significant factor for the adoption decision of cloud services reflecting organisations’ concerns on legal regulations, co-creation and customisation, service linkage and vendor locking which adds complexity to the process of selecting an appropriate vendor. Research limitations/implications – This research found trading partners (cloud service providers) significantly influence managers’ decisions to adopt cloud services, however, further research is required to fully understand all the aspects involved especially with the growing number of vendors available. Although over 250 usable responses to the questionnaire were received and analysed, there was not a sufficient quantity of responses from each industry sector or organisation size to conduct further analysis. Practical implications – The findings reveal the important role of cloud computing service providers to enable end-users to better evaluate the use of cloud computing. It also reveals that top management support is no longer a driver as organisations are starting to adopt cloud computing services on the basis of cheaper and more agile IT resources in order to support business growth. Originality/value – This research provides original insight for cloud computing adoption within the UK from a managerial perspective.

Halal transportation adoption among pharmaceuticals and comestics manufacturers

2019 ◽  
Vol 11 (6) ◽  
pp. 1619-1639 ◽  
Author(s):  
Abdul Hafaz Ngah ◽  
T. Ramayah ◽  
Mohd Helmi Ali ◽  
Mohd Imran Khan
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
Equation Modeling ◽  
Content Type ◽  
Moderation Effect ◽  
Intention To Adopt ◽  
Factors Influencing ◽  
Pharmaceutical Manufacturers ◽  
Toe Framework ◽  
The Government

Purpose This study aims to identify the factors influencing the decision to the Halal transportation adoption among pharmaceuticals and cosmetics manufacturers. Design/methodology/approach Base on the technology-organization-environment (TOE) framework, applying the purposive sampling method, data were gathered from questionnaires distributed to the participants of Malaysia International Halal Showcase (MIHAS) and Halal festival (Halfest). Out of 110 questionnaires distributed, only 97 data from 102 respondents could be used for further analysis. SMART-PLS 3.2.7 was used to analyze the data for this study using a structural equation modeling approach. Findings Perceived benefits, competitive pressure (COMP) and customer pressure were found to have a significant relationship with the intention to adopt Halal warehousing services, the organizational readiness was found to be a not significant factor in the adoption of Halal transportation. Top management attitudes (TMAs) moderate the positive relationship between COMP and the intention to adopt Halal transportation services. Research limitations/implications This paper focuses on the Halal manufacturers in the pharmaceuticals and cosmetics industry who attended MIHAS and Halfest, which still not adopting Halal transportation activities. Practical implications The findings provide useful information to a better understanding of the factors influencing the adoption of Halal transportation among Malaysian Halal cosmetics and pharmaceutical manufacturers. Related parties such as the government, the Halal transport service providers and the customers could use these findings to plan further action to enhance the adoption of Halal transport adoption. Originality/value The study revealed the capability of the TOE framework to identify the factors influencing the decision to adopt Halal transportation among Malaysian Halal cosmetics and pharmaceutical manufacturers. TMA was found to have a moderation effect on the relationship between COMP and the intention to adopt Halal transportation.

Adoption of internet banking services in Gujarat

2018 ◽  
Vol 36 (1) ◽  
pp. 147-169 ◽  
Author(s):  
Kiran J. Patel ◽  
Hiren J. Patel
Keyword(s):  
Social Influence ◽  
Service Providers ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Banking Services ◽  
Content Type ◽  
Factors Influencing ◽  
Perceived Security ◽  
Internet Banking Services

Purpose The purpose of this paper is to validate the technology acceptance model (TAM) and its extended form to understand the factors influencing internet banking adoption in Gujarat. Design/methodology/approach Extended TAM incorporates perceived security and social influence, important variables in internet banking literature. Using a questionnaire survey, data relating to the variables are collected from 284 individuals who are/were using internet banking services and subjected to confirmatory factor analysis (CFA) to establish validity and structural equation modeling (SEM) to identify important factors influencing internet banking adoption. Findings The empirical results of SEM showed that the extended TAM has higher predictability than the TAM in internet banking settings. The results highlighted that the intention to use internet banking is positively influenced mainly by perceived security, followed by other significant factors, namely, perceived usefulness, perceived ease of use and social influence. Practical implications The findings of this paper enable internet banking service providers to develop/modify new/existing internet banking services in order to achieve higher adoption rates of internet banking. Originality/value Additional incorporated variables in a new model considerably contribute to improving the understanding of internet banking adoption in Gujarat.

To investigate the determinants of cloud computing adoption in the manufacturing micro, small and medium enterprises

2019 ◽  
Vol 26 (3) ◽  
pp. 990-1019 ◽  
Author(s):  
Rakesh D. Raut ◽  
Bhaskar B. Gardas ◽  
Balkrishna E. Narkhede ◽  
Vaibhav S. Narwane
Keyword(s):  
Cloud Computing ◽  
Service Providers ◽  
Small And Medium Enterprises ◽  
Maintenance Cost ◽  
Critical Factors ◽  
Content Type ◽  
Factors Influencing ◽  
Cloud Computing Adoption ◽  
Medium Enterprises ◽  
Significant Factors

PurposeThe purpose of this paper is to identify the critical factors influencing the cloud computing adoption (CCA) in the manufacturing micro, small and medium enterprises (MSMEs) by employing a decision-making trial and evaluation laboratory (DEMATEL) methodology.Design/methodology/approachThrough literature review and expert opinions, 30 significant factors were identified, and then a DEMATEL approach was applied for exploring the cause–effect relationship between the factors.FindingsThe results of study highlighted that five factors, namely, “hardware scalability and standardisation”, “cost (subscription fees, maintenance cost and implementation cost (CS1)”, “innovation”, “installation and up gradation (CS28)”, and “quality of service” were the most significant factors influencing the CCA in the case sector.Research limitations/implicationsThe DEMATEL model was developed by considering expert inputs, and these inputs could be biased which can influence the reliability of the model. This study guides the organisational managers, cloud service providers and governmental organisations in formulating the new policies/strategies or modifying the existing ones for the effective CCA in the case sector.Originality/valueFor the first time. interdependency between the critical factors influencing CCA was discussed by employing the DEMATEL approach in the Indian manufacturing MSMEs context.

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