Determinants of intention of using mortgage in financing home ownership in Bauchi, Nigeria

2016 ◽  
Vol 9 (3) ◽  
pp. 320-339 ◽  
Author(s):  
Hamza Usman ◽  
Mohd Lizam
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Design Methodology ◽  
Home Ownership ◽  
Behavioral Control ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Policy Makers ◽  
Content Type ◽  
Practical Implications

Purpose This paper aims to evaluate the bane of home ownership in Nigeria through mortgage financing by examining the determinants of intention of using mortgage in financing home ownership. Design/methodology/approach The paper adopted a survey quantitative research design. A total of 235 valid questionnaires randomly distributed were retrieved from 300 potential homeowners who were the sample of the research. Partial least squares-structural equation modeling was used for data analysis and hypotheses testing. Findings The findings revealed that religious perception on mortgage was the most significant determinant of intention of using mortgage in financing home-ownership. Subjective norms and perceived behavioral control also have significant effect on intention of using mortgage financing. However, attitude and familiarity/knowledge of mortgage were found not to have a significant effect on intention of using mortgage financing. The determinants cumulatively determined 77.6 per cent (R2 = 0.776) of the variance in intention of using mortgage in financing home ownership. Practical implications The research contributed to knowledge and has practical implications to policy makers, mortgage institutions, investors and the society. Originality/value The paper uniquely explores the bane of home-ownership through mortgage financing by examining potential home-owners’ intention of using mortgage financing. To authors’ knowledge, this is the first paper to evaluate intention of using mortgage financing, at least in Nigeria.

Why do micro-businesses hesitate to “grow up”?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Le Quang Hieu ◽  
Vu Hong Van ◽  
Nguyen Khanh Doanh
Keyword(s):  
Structural Equation ◽  
Design Methodology ◽  
Behavioral Control ◽  
Institutional Quality ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Formal And Informal Institutions ◽  
The Subject ◽  
The Impact

PurposeThis study analyzes the factors that affect the decisions of micro-businesses to switch to enterprises in Thanh Hoa, Vietnam.Design/methodology/approachIn order to explain the behavior of micro-businesses in switching to enterprises, the authors designed a questionnaire and collected survey data from 404 micro-businesses. The generalized structural equation modeling was applied to analyze the structured model with the dichotomous dependent variable.FindingsFirst, the behavior of micro-businesses to switch was indirectly affected by needs and directly affected by attitudes, perceived behavioral control, subject norm and institutional quality. Second, the subject norms exerted the most influence on the behavior of the micro-businesses in switching. This finding implies that (1) the behavior of the micro-businesses depended on the assessments, perceptions and views of their friends, relatives and colleagues, and (2) the behavior to switch stems mainly from the desire to improve the businesses' position in society. Finally, both formal and informal institutions play an essential role in the behavior of the micro-businesses to switch to enterprises.Originality/valueThere have been no previous studies that have applied structured models to test the behavior of micro-businesses to switch to enterprises. Furthermore, previous studies had mainly addressed the psychological factors or needs of micro-businesses. In this study, apart from the above factors, the authors discuss the impact of institutions on the behavior of micro-businesses to switch.

Consumer behaviour towards willingness to pay for Halal products

2019 ◽  
Vol 121 (2) ◽  
pp. 492-504 ◽  
Author(s):  
Waqar Ahmed ◽  
Arsalan Najmi ◽  
Hafiz Muhammad Faizan ◽  
Shaharyar Ahmed
Keyword(s):  
Willingness To Pay ◽  
Structural Equation ◽  
Quantitative Research ◽  
Reasoned Action ◽  
Raw Material ◽  
Equation Modeling ◽  
Muslim Country ◽  
Policy Makers ◽  
Content Type ◽  
Factors Affecting

PurposeThe purpose of this paper is to empirically analyze the factors affecting Muslim consumers’ willingness to pay (WTP) for Halal food, products and operations by employing theory of reasoned action.Design/methodology/approachThis study has used quantitative research methodology and collected data from 350 questionnaires from a densely populated city of Pakistan. Partial least squares-structural equation modeling was used to analyze the data.FindingsThe results show that the concerns about Halal, religiosity, perception of usefulness of Halal and product ingredients have a significant impact on WTP for Halal foods, while attitude has an insignificant impact on WTP. Moreover, the extent of demand for Halal certification is significantly affected by WTP.Originality/valueThe study highlighted the concerns of the Muslim consumers with respect to Halalness of the products and operations despite living in a Muslim country. It is recommended that the policy makers, food authorities and health institutions should conduct regular inspections of foods, products and producers’/manufacturers’ operations to ensure that all the procedures from manufacturing of the raw material till the finished goods follow Islamic principles to make them completely Halal.

Understanding the differences of public and private self-service technology

2014 ◽  
Vol 28 (1) ◽  
pp. 60-70 ◽  
Author(s):  
Joel E. Collier ◽  
Daniel L. Sherrell ◽  
Emin Babakus ◽  
Alisha Blakeney Horky
Keyword(s):  
Structural Equation ◽  
Design Methodology ◽  
Equation Modeling ◽  
Public And Private ◽  
Content Type ◽  
Private And Public ◽  
Self Service ◽  
Self Service Technology ◽  
Individual Self ◽  
Practical Implications

Purpose – The purpose of this paper is to explore the potential differences between types of self-service technology. Specifically, the paper explores how the dynamics of public and private self-service technology influence customers' decision to use the technology. Design/methodology/approach – Existing customers of private and public self-service technology were surveyed from the same industry. Using structural equation modeling, the authors examine how relevant self-service constructs influence evaluations and attitudes of customers across both settings. Findings – The analysis reveals that customers' control and convenience perceptions differ across public and private self-service technology. Additionally, customers placed a heavier emphasis on the hedonic or utilitarian evaluation of a service experience based on the type of self-service technology. Practical implications – For managers of self-service applications, understanding the unique differences of public and private self-service technology can aid in the implementation and adoption of the technology. By properly understanding the differences of the self-service types, managers can provide a beneficial experience to the customer. Originality/value – By identifying and describing two distinct categories of SSTs, this study allows managers and researchers to better understand how and why individuals choose to utilize individual self-service technologies. Through understanding the unique dynamics of a public and a private SST experience, retailers can determine the appropriate strategy for customer adoption based on the utilitarian or hedonic functions of the technology.

Young consumers' purchase intention toward organic food: exploring the role of mindfulness

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alok Tewari ◽  
Smriti Srivastava ◽  
Divya Gangwar ◽  
Vimal Chandra Verma
Keyword(s):  
Purchase Intention ◽  
Structural Equation ◽  
Behavioral Control ◽  
Organic Food ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Young Consumers ◽  
The Government

PurposeThe role of mindfulness in influencing green behaviors has been recognized in literature though it has not been explored sufficiently in the context of organic food. This study makes an attempt to explore the role of mindfulness in influencing young consumers' purchase intention (PI) toward organic food in India.Design/methodology/approachA total of 348 useable responses were collected through an intercept survey at organic food stores using a purposive sampling approach. Data analysis was carried out through structural equation modeling.FindingsMindfulness emerged as a significant predictor of behavioral intention. Further, the specific indirect effects of mindfulness through attitude, perceived behavioral control (PBC), drive for environmental responsibility (DER) and label reference willingness (LRW) were also significant.Originality/valueThis research is one of the initial efforts to link mindfulness with PI for organic food. The results could help the government and marketers tap onto the potential of mindfulness with regard to environment-friendly products and frame appropriate strategies for stimulating the demand for organic food in India

Technopreneurship intention among nonbusiness students: a quantitative assessment

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Bahadur Ali Soomro ◽  
Naimatullah Shah
Keyword(s):  
Structural Equation ◽  
Design Methodology ◽  
Quantitative Assessment ◽  
Predictive Power ◽  
New Venture ◽  
Equation Modeling ◽  
Survey Questionnaire ◽  
Content Type ◽  
The Impact ◽  
Practical Implications

PurposeThe present study attempts to identify the predictive power of technopreneurial-related activities (TRAs), technopreneurial self-efficacy (TSE) and technopreneurial motivation (TM) on technopreneurial intention (TE) among the nonbusiness students.Design/methodology/approachA conceptual framework is developed for investigation. A quantitative approach is adopted for this research, and the data are collected from the 282 students of the different public sector universities with a survey questionnaire. The application of structural equation modeling (SEM) is applied to investigate the impact of TRAs, TSE and TM on TE.FindingsThe results of SEM found a positive and significant impact of TRAs, TSE and TM on TE among the nonbusiness students of Pakistan.Practical implicationsThe study would be beneficial for the planners and policymakers of universities to improve modes of technopreneurship. The findings may encourage the students to develop strong beliefs, abilities and skills to start a new venture. The literature of entrepreneurship and technopreneurship may further enrich with empirical evidence of the present study.Originality/valueThe study would make technopreneurs able to deal with society's challenges.

Entrepreneurial intentions on perceived behavioral control and personal attitude: moderated by structural support

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Alberto Magtoto Otchengco Jr. ◽  
Yuri Walter Dulay Akiate
Keyword(s):  
Structural Equation ◽  
Behavioral Control ◽  
Entrepreneurial Intention ◽  
The Philippines ◽  
Entrepreneurial Intentions ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Personal Attitude ◽  
Structural Support

Purpose This study aims to explore the association between the tricycle drivers’ personal attitude and perceived behavioral control and their entrepreneurial intention. Moreover, the study was conducted to determine whether such a relationship is moderated by structural support. Design/methodology/approach A total of 349 tricycle drivers in the Philippines were randomly selected and served as the respondents of this study. To determine if there is a significant relationship between the variables, structural equation modeling was used. Findings Tricycle drivers denoted that the more positive their perceived behavior control and personal attitude is, the greater their entrepreneurial intention is likely to be. Hence, the relationship of perceived behavioral control and personal attitude on entrepreneurial intention is moderated by perceived structural support. Originality/value By learning individuals’ perceived behavioral control, personal attitude and their entrepreneurial intention of specific classes of people, specifically tricycle drivers, it is possible to assess the feasibility of entrepreneurial efforts initiated by the government even before it is implemented, avoiding wastage of both times, resources and effort.

Theory of planned behavior, ethics and intention of conscious consumption in Slow Fashion Consumption

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jordana Soares de Lira ◽  
Marconi Freitas da Costa
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Structural Equation ◽  
Online Survey ◽  
Behavioral Control ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Ethical Considerations ◽  
Content Type ◽  
Slow Fashion

PurposeThis study seeks to investigate the influence of the theory of planned behavior (TPB), of the conscious consumption intention and of the consumer ethical considerations, on Slow Fashion Consumption in the region known as Agreste Pernambucano, in Brazil, which is known for being an apparel manufacturing area.Design/methodology/approachTo achieve this purpose, descriptive quantitative research using non-probabilistic sampling was conducted. Data were collected through an online survey and distributed through the snowball technique. The sample consists of 486 respondents and relies on structural equation modeling for data analysis.FindingsThe results highlight that the Slow Fashion Consumption, in the scope of Local Productive Arrangement (LPA) of clothing manufacturing in the Agreste region, is influenced by the intention of conscious consumption, the ethical considerations in consumer behavior and the perceived behavioral control. Moreover, the results highlight the role of the influence of subjective norms both in the attitudes of consumers and the intention of conscious consumption.Originality/valueThe primary contribution of this study is to demonstrate that perceived behavioral control is positively associated with Slow Fashion Consumption, which, in turn, shows that respondents believe they have control over their sustainable actions.

When in Rome, do as the Romans do

2019 ◽  
Vol 122 (6) ◽  
pp. 1953-1967
Author(s):  
Mumtaz Ali Memon ◽  
Muhammad Zeeshan Mirza ◽  
Bibiana Lim ◽  
Waheed Ali Umrani ◽  
Mohamed Ayyub Hassan ◽  
...  
Keyword(s):  
International Students ◽  
Structural Equation ◽  
Local Food ◽  
Behavioral Control ◽  
Tourism Industry ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Practical Consideration ◽  
Content Type ◽  
The Impact

Purpose International students are considered as a huge and potentially lucrative segment for various products of the tourism industry in Malaysia. One of the tourism products is the local food they consume. The purpose of this paper is to investigate key factors that contribute to international students’ intention to consume Malay food. Drawing on the theory of planned behavior (TPB), the present study examines the impact of attitude, subject norm and perceived behavioral control (PBC) on international students’ intention to consume Malay food. Design/methodology/approach A quantitative approach using self-administered questionnaire was adopted. A total of 163 samples were collected from international students studying in five different Malaysian higher education institutions. A partial least squares structural equation modeling technique was used to test the hypothesized model. Findings The findings highlight that attitude, subject norms and PBC significantly motivate international students to consume local food. The subject norm toward consuming local food was revealed as the strongest predictor of international students’ intention to consume Malay food. Originality/value Although this is one of the early studies that uses the TPB in assessing the factors that influence international students’ intention to consume local food, this paper is driven by and aimed for practical consideration and thus making a significant contribution to practice. Specifically, the findings of the present study provide important implications for tourism industry practitioners to plan and implement initiatives that may promote local food among international students studying in Malaysian institutions.

Retirement village buying intention

2020 ◽  
Vol 32 (7) ◽  
pp. 1451-1473
Author(s):  
Siew Imm Ng ◽  
Fang Zhao ◽  
Xin-Jean Lim ◽  
Norazlyn Kamal Basha ◽  
Murali Sambasivan
Keyword(s):  
Structural Equation ◽  
Behavioral Control ◽  
Well Being ◽  
The Elderly ◽  
Equation Modeling ◽  
Future Research ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
Retirement Village ◽  
Role Of Religion

Purpose The well-being of the elderly is a growing issue of concern for countries around the world. One way to enhance the elderly well-being is to provide housing options suitable to their needs and lifestyle. Retirement village is an accommodation concept foreign to the Malaysian population. Therefore, the purpose of this paper is to bridge this literature gap by analyzing factors that may inhibit or motivate the buying intention of a retirement village unit among the elderly in Malaysia. Design/methodology/approach Data were collected from 261 Malaysian elderly and analyzed using structural equation modeling PLS. Findings The results indicated that attitude, subjective norm, perceived behavioral control and social sustainability were significant predictors that explained elderly buying intention of retirement village. Originality/value The study also found a significant moderating role of religion in attitude–intention relationship. The paper concludes with the study’s implications, limitations and recommendations for future research.

Do tourists’ emotional experiences influence images and intentions in yoga tourism?

2019 ◽  
Vol 74 (3) ◽  
pp. 646-665 ◽  
Author(s):  
Pramod Sharma ◽  
Jogendra Kumar Nayak
Keyword(s):  
Behavioral Intentions ◽  
Structural Equation ◽  
Design Methodology ◽  
Predictive Power ◽  
Equation Modeling ◽  
Emotional Experiences ◽  
Content Type ◽  
Confirmatory Factor ◽  
Using Data ◽  
Practical Implications

Purpose The purpose of this study is to investigate the influence of tourists’ emotional experiences on predicting behavioral intentions via cognitive, affective and overall image in yoga tourism. Design/methodology/approach This study was conducted using data collected from 398 tourists visiting a yoga tourism destination in India. Confirmatory factor analysis and structural equation modeling were used in analyzing the collected data. Findings The study confirmed that specific tourists’ emotions act as a predictor of cognitive, affective and overall image. This in turn influenced the behavioral intentions of tourists. The effect of specific emotions on affective image was stronger than on cognitive image in yoga tourism. Practical implications The marketing campaign of yoga tourism should highlight the special benefits of yoga to activate, stimulate and influence tourists toward yoga tourism, thereby improving the flow of future tourists. It would also help in better positioning and promoting yoga tourism as a unique and distinct niche tourism market. Originality/value This study contributed to the literature by understanding the predictive power of specific emotions on behavioral intentions via, cognitive, affective and overall image in yoga tourism. As far as the authors’ knowledge is concerned, this study is first known attempt to investigate such relationships in tourism literature.

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