Charity and debt behaviors comparison: perception of low-income households

2021 ◽  
Vol 37 (4) ◽  
pp. 535-558
Author(s):  
Laily Dwi Arsyianti ◽  
Salina Kassim
Keyword(s):  
Low Income ◽  
Structural Equation ◽  
Financial Education ◽  
Equation Modeling ◽  
Content Type ◽  
Modeling Behavior ◽  
And Behavior ◽  
The Given ◽  
Debt Behavior ◽  
Low Income Households

Purpose This paper aims to investigate low-income households in Indonesia with regard to their perspective on charity-giving and its comparison with acquiring debt behavior as their tendencies on taking and giving behaviors toward monetary form. The research framework is seen from the Islamic perspective. Design/methodology/approach Theory of social production function and theory of planned behavior are used as a theoretical framework. A total of 98.89% of the distributed questionnaires were collected and analyzed using structural equation modeling. Behavior of giving charity and acquiring debt are compared according to the given determinants. Findings Under the given Islamic framework, charity is found to be not confined to the donor’s wealth. It is rather centered on religiosity and faith. Subjective norm does not influence intention toward charity. Hence, it only depends on consideration and awareness of a person toward regular giving of charity. Unlike debt that is confined by a person’s wealth, the intention to take debt consecutively of low-income households are also affected by their attitudes, significant others and experiences. Research limitations/implications Respondents are residents of six Indonesian territories that represent West, Middle and East Indonesia. Practical implications Findings are useful for social, as well as microfinance practitioners who are interested in the financial education on low-income households and study their perspective and behavior. Social implications This paper indirectly contributes to changing the perspective of society about charity-giving, especially in philanthropy subject. This paper is also highly recommended for regulator’s input on financial education, as well as for practitioners, consultants and educators. Originality/value Charity basically can assist low-income households experiencing financial hardship, which may be the consequence of consecutive taking debt. Most of the studies on charity-giving focus on high-income households, likewise the debt behavior. Charity-giving in voluntary form is also not widely discussed in view of behavior, specifically in Asian countries like Indonesia.

Exploring the antecedents of retail banks’ reputation in low-bankarization markets: brand equity, value co-creation and brand experience

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Luís Daniel Martillo Jeremías ◽  
Ana Isabel Polo Peña
Keyword(s):  
Financial Institutions ◽  
Brand Equity ◽  
Low Income ◽  
Financial Literacy ◽  
Structural Equation ◽  
Banking Sector ◽  
Retail Banking ◽  
Equation Modeling ◽  
Brand Experience ◽  
Content Type

PurposeThe present study aims to propose and validate a model to measure certain variables that may contribute to increasing the bankarization rate (uptake of retail banking services) among developing-economy populations characterized by poor financial literacy and low income levels.Design/methodology/approachA quantitative empirical study is carried out in the retail banking sector of a country with low-bankarization rates. Using a self-administered questionnaire distributed online, structural equation modeling is applied to analyze the relationships between value co-creation, brand experience, brand equity and reputation.FindingsThe results show that brand equity is an antecedent of reputation that values co-creation, and brand experience positively influences brand equity and that values co-creation that positively influences brand experience.Social implicationsThe bankarization rate of a developing country is generally taken as an indicator of the socioeconomic wellbeing of its population. Where there is a low-bankarization rate, this renders it more difficult for financial institutions to build their reputation to attract new customers and retain existing ones. Strategies are, therefore, proposed to improve the reputation of financial institutions in such settings and, thus, contribute to increasing the bankarization rate.Originality/valueThe findings of this study provide an original perspective that offers a deeper understanding of the mechanisms that enable banks operating in low-bankarization markets to enhance their reputation through strategies based on customer–company interaction and branding (with the variables of brand equity, brand experience and value co-creation).

Consequences of managerial indecisiveness

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Barbara Caemmerer ◽  
Jobst Goerne ◽  
Jay P. Mulki
Keyword(s):  
Leadership Style ◽  
Structural Equation ◽  
Role Ambiguity ◽  
Turnover Intentions ◽  
Equation Modeling ◽  
Participative Leadership ◽  
Content Type ◽  
Metropolitan Cities ◽  
And Behavior ◽  
The Impact

PurposeIn a banking context, this study applies uncertainty management theory (UMT) to test the impact of managerial indecisiveness on salespersons' trust in their manager, perceived role ambiguity and turnover intentions. In addition, the moderating role of managers' leadership style on the link between indecisiveness perceptions and role ambiguity is tested.Design/methodology/approachA questionnaire was distributed among customer facing employees from a multinational bank in one of the large metropolitan cities in India. In total, out of 360 questionnaires distributed, 255 responses were coded for analysis resulting in a response rate of 71%. Structural equation modeling, mediation and moderation analyses were applied.FindingsPerceptions of managerial indecisiveness strengthen role ambiguity, which negatively impacts trust in the manager, which in turn increases turnover intentions. The level of participative leadership moderates the link between indecisiveness and role ambiguity.Originality/valueThis is one of the first studies in the sales literature that examines how managerial indecisiveness, role ambiguity and trust in the supervisor can impact salespersons' turnover intentions. Thus, this research makes a useful contribution by examining how managers' decision-making style can shape employee cognition and behavior at the workplace.

Fostering organizational learning through leadership and knowledge sharing

2018 ◽  
Vol 22 (6) ◽  
pp. 1408-1423 ◽  
Author(s):  
Sunyoung Park ◽  
Eun-Jee Kim
Keyword(s):  
Transformational Leadership ◽  
Organizational Learning ◽  
Knowledge Sharing ◽  
Structural Equation ◽  
Interpersonal Trust ◽  
Equation Modeling ◽  
Content Type ◽  
Knowledge Sharing Behavior ◽  
And Behavior ◽  
Sharing Behavior

Purpose The purpose of this study is to examine the relationships among transformational leadership, knowledge sharing climate and behavior, interpersonal trust and organizational learning. Design/methodology/approach Data from 209 participants from a manufacturing company in Korea were analyzed using the structural equation modeling method. Findings The findings of the study indicated that transformational leadership directly affected the knowledge sharing climate and behavior, interpersonal trust and organizational learning of an organization. Transformational leadership also indirectly affected organizational learning through knowledge climate and behavior, and interpersonal trust. In addition, a knowledge sharing climate directly affected interpersonal trust and knowledge sharing behavior and indirectly affected organizational learning through interpersonal trust and knowledge behavior. Interpersonal trust directly affected knowledge sharing behavior and indirectly affected organizational learning through knowledge sharing behavior. Finally, knowledge sharing behavior positively affected organizational learning. Research limitations/implications The results highlight the important role of transformational leadership to enhance the knowledge sharing climate and behavior of employees, interpersonal trust and organizational learning. This study also indicated that transformational leadership, interpersonal trust and knowledge sharing behavior are antecedents of organizational learning. Practical implications The study’s findings could motivate practitioners to place more emphasis on leadership support, knowledge sharing and organizational learning in the manufacturing sector. Originality/value The study provided diverse paths indicating how transformational leadership can impact organizational learning by examining both the direct and indirect paths between transformational leadership, multiple mediators and organizational learning. It also suggested a research framework for supporting transformational leadership, knowledge sharing and organizational learning, as well as their relationships by examining the three variables in one research model.

scholarly journals DEBT-TAKING AND CHARITY-GIVING AMONG LOW-INCOME HOUSEHOLDS: STRENGTHENING RESILIENCE IN ISLAMIC PERSPECTIVE

2018 ◽  
Vol 4 (1) ◽  
pp. 1-22
Author(s):  
Laily Dwi Arsyianti ◽  
Salina Kassim ◽  
Adewale Abideen Adeyemi
Keyword(s):  
Low Income ◽  
Structural Equation ◽  
Negative Relationship ◽  
Financial Education ◽  
Financial Problem ◽  
Financial Condition ◽  
Sharing Values ◽  
Rich People ◽  
The Rich ◽  
Low Income Households

Households’ financial problem was perceived to be solved by taking other source of fund such as debt. In Islam, taking debt should be considered as the last resource when other sources were not available. Islam gives solution for those who have financial problem. Giving just small amount of money would give barakah to the giver. Charity-giving is not privilege for the rich people, but also for those in dire conditions. This paper attempts to explore whether low-income households’ perception on consecutive debt-taking influences their perception on regular charity-giving especially to achieve stipulated outcomes, i.e. households’ financial resilience. Structural Equation Modelling (SEM) is employed to analyse 1780 data from respondents across six areas in Indonesia. Low-income households perceived consecutive debt-taking to have negative relationship with regular charity-giving and positive relationship with outcomes (households’ financial condition and lifestyle satisfaction). Meanwhile, regular charity-giving has negative relationship with the outcomes when consecutive debt-taking intervene the relationship. Financial education and selection of financing institution have been proven to have relationships with variables which influence both regular charity-giving and consecutive debt-taking behaviours. As recommendation, charity education or sharing values should be included in the current financial education program. Formal financial institutions and social finance institution should also encourage supervision and continuously give financial education to social funds receivers.

Well-being perception and lovemarks formation through experiential value in the context of the eco-friendly restaurant

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Seon Hee Kim ◽  
Do Hyun Jeon ◽  
Hyeon Mo Jeon
Keyword(s):  
Structural Equation ◽  
Well Being ◽  
Equation Modeling ◽  
Content Type ◽  
Service Excellence ◽  
Behavior Intention ◽  
Confirmatory Factor ◽  
Experiential Value ◽  
And Behavior

PurposeThe purpose of this study is to provide useful data for setting up eco-friendly restaurant (EFR) marketing strategies by analyzing experiential value and well-being perception, lovemarks and behavior intention, before presenting practical proposals.Design/methodology/approachThe data used in this study were based on a sample of 300 customers at “Seasonal Dining Table” in South Korea. Data were analyzed using confirmatory factor analysis and structural equation modeling.FindingsAs a result of the study, playfulness showed the greatest influence on well-being perception, followed by service excellent, aesthetics and efficiency. In addition, well-being perception was found to have a positive effect on brand love and brand respect. Finally, the role of experiential value, well-being perception and lovemarks as the determinants factors to increase the customer's behavioral intention toward EFR was confirmed.Practical implicationsThe present research informed that effectively dealing with four constituents of experiential value (efficiency, service excellence, aesthetic and playfulness) are of utmost importance in building customers' well-being perception. In addition, customers' well-being perception and lovemarks should be improved to boost the level of behavior intention for EFR.Originality/valueThis is the first study to examine experiential value, well-being perception, lovemarks and behavior intention in the context of restaurants. In particular, it is differentiated from previous foodservice studies by examining the relationship between experiential value and well-being perception.

Determinants of consumers’ frugal innovation acceptance in a developed country

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Leonor Costa ◽  
Aurora Teixeira ◽  
Ana Brochado
Keyword(s):  
University Students ◽  
Low Income ◽  
Structural Equation ◽  
Fine Arts ◽  
Equation Modeling ◽  
Developed Country ◽  
Frugal Innovation ◽  
Content Type ◽  
Market Opportunities ◽  
Frugal Innovations

Purpose This study aims to understand why young people are interested in buying frugal innovations. Design/methodology/approach Data were collected with a survey administered to 534 university students enrolled in various fields of study (e.g. sciences, technology, economics and fine arts). Using the Tata Nano car as an example of frugal innovation, a model based on the unified theory of acceptance and use of technology was developed using partial least squares structural equation modeling. Findings The model’s results reveal that effort expectancy, performance expectancy and facilitating conditions are critical factors that explain university students’ intention to buy Tata Nano. Originality/value Although frugal innovations are often introduced first in developing countries, frugal innovations could be highly relevant to users in developed nations as these innovations can provide market opportunities in terms of cost-conscious, relatively low-income and sustainability-conscious consumers.

Idealized influence and commitment: a granular approach in understanding leadership

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Leila Afshari
Keyword(s):  
Organizational Commitment ◽  
Structural Equation ◽  
Employee Commitment ◽  
Equation Modeling ◽  
Content Type ◽  
Multinational Organizations ◽  
Idealized Influence ◽  
Australian Sample ◽  
And Behavior ◽  
Influence Behavior

PurposeThe purpose of this paper is to investigate the relationships between the idealized influence component of transformational leadership (TL) and employee organizational commitment in two different cultural contexts.Design/methodology/approachData were collected from the members of two manufacturing organizations, one in Australia and one in Iran. Questionnaires were distributed to all levels of the two organizations. In total, 189 completed questionnaires were returned from the two countries, representing a response rate of 56.7%. Structural equation modeling (SEM) was employed to test the hypotheses.FindingsThe results demonstrated statistically significant relationships between two forms of idealized influence –attributed and behavior – and the employees' organizational commitment in the Iranian sample. However, in the Australian sample, only idealized influence behavior showed a significant impact on employee commitment. Furthermore, the findings showed that identified motivation mediates the relationship between idealized influence behavior and organizational commitment.Practical implicationsThe findings of the current research point to additional ways of increasing identified motivation that, in turn, enhances organizational commitment through leadership practices that are culturally informed. These findings are especially salient in culturally diverse and multinational organizations.Originality/valueThis paper has arrived at a deeper explanation of the processes through which leader behavior can produce employee commitment by clarifying the mediation role of identified motivation between idealized influence behavior and organizational commitment.

Green computing intent and behavior of Pakistani academic librarians: PLS-SEM analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Saira Hanif Soroya ◽  
Khalid Mahmood ◽  
Muhammad Shahid Soroya ◽  
Sumaira Hussain ◽  
Aleeha Ilyas
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Behavioral Control ◽  
Strong Predictor ◽  
Green Computing ◽  
Academic Librarians ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Content Type ◽  
And Behavior

PurposeIn the age of global warming where there is a need to go green in various sectors of life, it is also an urgent need for different IT industries and companies to incorporate green agenda. The green agenda is also dependent on human behavior. Therefore, it is equally important to explore the factors that positively affect green computing behavior. In this regard, contextual considerations are important. Thus, the purpose of this study is to explore the green computing intent and behavior of heavy IT users, i.e. librarians underpinning the theory of planned behavior.Design/methodology/approachThe study was based on a quantitative research design. A total of 181 survey-based online questionnaires were filled by Pakistani university librarians. The proposed hypothetical model was tested using structural equation modeling in SmartPLS v3.2.FindingsThe study findings confirm that attitude and perceived behavioral control have a significant positive impact on the intention to adopt green computing behavior (GC behavior) among academic librarians. The findings further reveal that green computing awareness proved a strong predictor of green computing behavior, as it not only affects GC behavior but also impacts positively on attitude and perceived behavioral control that ultimately affects GC behavior through intention.Originality/valueThe study argues that green computing behavior is dependent on several predictors that can be deployed to develop a positive behavior towards green computing. The study is important as it is the first time conducted on one of the heavy IT user groups, i.e. librarians.

How experiences with trading a company’s stock influence customer attitudes and purchasing behavior

2015 ◽  
Vol 33 (7) ◽  
pp. 963-992 ◽  
Author(s):  
Arvid O. I. Hoffmann ◽  
Dana Ketteler
Keyword(s):  
Structural Equation ◽  
Least Squares Method ◽  
Equation Modeling ◽  
Future Research ◽  
Content Type ◽  
Attitudes And Behaviors ◽  
And Behaviors ◽  
Customer Attitudes ◽  
And Behavior ◽  
Attitudes And Behavior

Purpose – The purpose of this paper is to investigate the potential spill-over effects from negative (and positive) experiences with trading a company’s stock on shareowner-customers’ emotions and subsequent customer attitudes and behavior. Design/methodology/approach – A conceptual framework that links selling a stock for a loss (or gain), emotions, and customer attitudes and behaviors is developed. The framework is tested with data from a sample of Dutch investors that is analyzed with structural equation modeling through the partial least squares method in SmartPLS. Findings – Selling a stock for a loss vs selling a stock for a gain have different effects on shareowner-customers’ attitudes and behavior toward the company. Losses induce negative emotions which in turn result in lower satisfaction and behavioral loyalty as well as in increased propensity to complain about the company. Investment gains, however, result in more positive emotions which then lead to increased preference of the company whose stocks were traded over its competitors and increased engagement in positive word-of-mouth (WOM). Research limitations/implications – The study is focussed on shareowner-customers’ experiences with stocks of companies active in the consumer industry. Future research could address whether the results generalize to other industries. Practical implications – The findings emphasize the importance of a close collaboration between the marketing and investor relation departments. Complaints of shareowner-customers should be taken seriously and incentives to stimulate repurchases as well as those that encourage positive WOM engagement are recommended. Originality/value – This is the first study to examine possible negative spill-over effects from experiences obtained during stock trading on shareowner-customers’ attitudes and behaviors toward the stock’s company.

A study of antecedents influencing eWOM for online lecture website

2018 ◽  
Vol 42 (7) ◽  
pp. 1048-1064 ◽  
Author(s):  
Mi sook Lee ◽  
Hongbok An
Keyword(s):  
Structural Equation ◽  
Web Security ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Equation Modeling ◽  
Content Type ◽  
Online Lectures ◽  
Online Lecture ◽  
And Behavior

Purpose The purpose of this paper is to identify the antecedent factors – perceived usefulness (PU), perceived switching cost (PSC) and perceived web security (PWS) – affecting learners’ attitude toward online lecture website (ATW), which, in turn, affects electronic word of mouth (eWOM) and finds the factor that online lecture business should focus on the most to make learners have positive attitude. Design/methodology/approach This paper investigates the functional relationship among those five constructs; and examines the moderating role of personal interactivity. Data were collected from learners who had taken online lectures and were using social network sites, and a research model was analyzed using structural equation modeling. Findings The results show that PU and PSC positively influence ATW but PWS has no significant influence on ATW; PU is the most influential factor to ATW; ATW positively influences eWOM; personal interactivity has a moderating effect on some paths; and path coefficients are higher in the high-interactivity group than the low-interactivity group for all the links except the link from PU to ATW. Originality/value This paper contributes to online lecture business by understanding learners’ perception and behavior to the websites. Unlike many previous studies, this study designates eWOM as dependent variable and personal interactivity as moderation variable. This study shows interesting results occurred between low- and high-interactivity groups.

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