Empirical investigation of SMEs’ perceptions towards PLS financing in Morocco

2018 ◽  
Vol 11 (2) ◽  
pp. 250-273 ◽  
Author(s):  
Fairouz Badaj ◽  
Bouchra Radi
Keyword(s):  
Theory Of Planned Behaviour ◽  
Partial Least Squares Regression ◽  
Empirical Investigation ◽  
Research Model ◽  
Least Squares Regression ◽  
Policy Makers ◽  
Content Type ◽  
Intention To Adopt ◽  
Stage Of Development ◽  
The Family

PurposeThe main purpose of the study is to examine the willingness of Moroccan small- and medium-sized enterprises (SMEs) to adopt profit and loss sharing (PLS) method of finance and the factors that may influence their decision.Design/methodology/approachThe research model is based on the decomposed theory of planned behaviour (DTPB). A total of 340 questionnaires were randomly distributed to SMEs’ owner-managers, out of which 177 were collected and only 153 were valid for analysis. Factor analysis and partial least squares regression were subsequently applied.FindingsThe results showed that cost, loss of control, constrained access to conventional debt, financial suitability, stage of development as well as religious beliefs have a significant impact on the SMEs’ attitude towards PLS modes. Likewise, normative belief was also found to have a significant influence on subjective norm, by particular reference to the family, financial external consultants and internal managers, as the main referent groups. In addition, finally, attitude and perceived behavioural control were found to have a significant impact on the intention to adopt PLS financing by Moroccan SMEs.Research limitations/implicationsThe sample is not representative; hence, the findings cannot be generalized to all Moroccan SMEs. Furthermore, the variables and dimensions used are not exhaustive. With regard to implications, the study confirms the applicability of the DTPB to SME financing questions. Moreover, this study provides great indications to the practitioners, investors, policy makers and regulators on the perception of the Moroccan entrepreneurs, which should be taken into consideration to establish the necessary strategies to attract them.Originality/valueThis paper verifies the applicability of the DTPB in another area, that is, adoption of PLS instruments and contributes to explain the entrepreneurs’ perceptions towards theses modes of financing.

Customer insurance frauds: the influence of fraud type, moral intensity and fairness perception

2019 ◽  
Vol 45 (3) ◽  
pp. 452-467 ◽  
Author(s):  
Lu-Ming Tseng
Keyword(s):  
Least Squares ◽  
Design Methodology ◽  
Partial Least Squares Regression ◽  
Empirical Investigation ◽  
Moral Intensity ◽  
Demographic Variables ◽  
Insurance Fraud ◽  
Least Squares Regression ◽  
Content Type ◽  
Fairness Perception

Purpose The purpose of this paper is to examine customers’ ethical attitudes (EA) and intentions toward two types of insurance frauds. This study proposes that the factors, such as fraud types (i.e. opportunistic and planned insurance fraud), moral intensity and fairness perception (FP), can affect the customers’ acceptance of the insurance frauds. Design/methodology/approach To test the research hypotheses of this study, Taiwanese insurance customers are invited in the empirical investigation, and a scenario-based questionnaire is used to collect the data. The hypotheses of this study are tested by using a partial least squares regression. Findings The results show that moral intensity constructs and FP significantly relate to the respondents’ acceptance of insurance frauds, while fraud types also have significant impacts on the respondents’ perceptions of moral intensity and fairness. Originality/value There is no research which has examined the relationships among fraud types, moral intensity, FP, demographic variables and customers’ EA and intentions toward insurance frauds. Understanding the relationships among these variables could provide implications for those involved in the practice of anti-fraud programs.

How do conflicts impact change in family businesses? The family system and familiness as a catalytic converter of change

2017 ◽  
Vol 30 (7) ◽  
pp. 1198-1212 ◽  
Author(s):  
Christina Anna Elisabeth Claßen ◽  
Reinhard Schulte
Keyword(s):  
Family Business ◽  
Family System ◽  
Catalytic Converter ◽  
Family Businesses ◽  
Theory Approach ◽  
Policy Makers ◽  
Content Type ◽  
Quantitative Studies ◽  
Exploratory Approach ◽  
The Family

Purpose The purpose of this paper is to develop an understanding of how conflicts, caused by the specifics of family businesses – the familiness – impact change in family businesses. Design/methodology/approach The analysis is based on 21 semi-structured in-depth interviews of German family business members. The authors followed the grounded theory approach. Findings This study gives evidence for family business-specific conflicts and family business-specific change and outlines how conflict impacts change. Findings show that a family system works like a recursive catalytic converter in family businesses. Research limitations/implications This paper offers researchers a broader understanding and a comprehensive view of change in the family business. Although still limited by its exploratory approach, its insights can be valuable for researchers, practitioners and policy makers. The findings offer an operational base for future quantitative studies. Originality/value Using the new system theories approach the authors develop an understanding of how conflicts impact change in family businesses. The study explains how conflicts are managed in family business practice.

The role of owner/manager in adoption of electronic commerce in small businesses

2013 ◽  
Vol 20 (4) ◽  
pp. 754-787 ◽  
Author(s):  
Morteza Ghobakhloo ◽  
Sai Hong Tang
Keyword(s):  
Electronic Commerce ◽  
Small Businesses ◽  
Research Model ◽  
Cross Sectional ◽  
Policy Makers ◽  
Content Type ◽  
Research Findings ◽  
Managerial Level ◽  
Practical Implications

Purpose – Based on theories from the innovation diffusion literature, the purpose of this paper is to develop an integrated model of electronic commerce (EC) adoption in small businesses (SBs) of developing countries. The research model specifies variables at managerial level as the primary determinants to EC adoption in SBs. Design/methodology/approach – A questionnaire-based field survey was conducted to collect data from 268 owner/managers of SBs in Iran. The data were analysed using factorial analysis. Subsequently, six hypotheses were derived and tested by hierarchical multiple regression and logistic regression analysis. Findings – Perceived benefits, perceived compatibility, perceived risks, perceived costs, and innovativeness were found to be the significant determinants of decision to adopt EC. Likewise, discussion on discriminators between adopters and non-adopters of different EC applications has been provided. Research limitations/implications – Cross-sectional data of this research tends to have certain limitations when it comes to explaining the direction of causality of the relationships between the variables. The study focuses only on the manufacturing SBs of Iran. Practical implications – The research findings have important implications for practising managers, information systems experts, and policy-makers. Governments should follow specific policies to facilitate institutionalisation of EC in SBs. Similarly, EC vendors and technology providers should collaborate with SBs to enhance the compatibility of different EC applications with specific characteristics of these businesses. Originality/value – To the best of the authors' knowledge, this paper is perhaps one of the first that examines the adoption of EC by SBs in a developing country context, using a research model which tests the effects of owner/managers' attributes on adoption of simple and advanced EC applications.

Psychological and Social Determinants that Influence Interest in Residential Photovoltaic (RPV)

2019 ◽  
Vol 2 (1) ◽  
pp. 82-101
Author(s):  
Ayu Nirmala Putria ◽  
◽  
Metta Tjungandib, ◽  
athanael Pavitac ◽  
Satriya Prayogad ◽  
...  
Keyword(s):  
Social Determinants ◽  
Theory Of Planned Behaviour ◽  
Empirical Investigation ◽  
Behavioral Control ◽  
Subjective Norms ◽  
Perceived Behavioral Control ◽  
Planned Behaviour ◽  
Policy Makers ◽  
Indirect Impact ◽  
Complex Technology

This study aims to assess the psychological and social determinants that influence interest towards RPV through an empirical investigation of a new survey-based dataset collected in Jakarta Metro, Indonesia. The theory of planned behaviour (TPB) framework was tested using survey data from 174 non-adopters, providing recommendations of potential intervention for policy makers and RPV installers in alleviating key barriers of RPV adoption. Overall, each of TPB components; attitudes, subjective norms and perceived behavioral control have significant direct and indirect impact towards interest. Individuals perceiving RPV personally and environmentally beneficial are more interested in RPV. Perception of RPV adoption will be supported by peers also increases interest. In contrast, belief of unsuitable house decreases interest. Notably, individuals seeing RPV as a complex technology are more interested to gain information about RPV.

Behavioral intention model for green information technology adoption in Nigerian manufacturing industries

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Abba Kyari Buba ◽  
Othman Ibrahim ◽  
Hafiz Muhammad Faisal Shehzad
Keyword(s):  
Information Technology ◽  
Behavioral Intention ◽  
Decision Makers ◽  
Manufacturing Industries ◽  
Green It ◽  
Policy Makers ◽  
Content Type ◽  
Intention To Adopt ◽  
It Practices ◽  
Practical Implications

PurposeGreenhouse effects and the need for cost savings necessitate that an organization's information technology (IT) managers design IT equipment acquisition and service provisioning policies to reduce carbon footprint and cost. Analyzing the influencing factors that influence stakeholders' attitudes toward adopting green information technology (Green-IT) is an important input in designing these policies. In essence, the research aims to investigate into the relationship between these factors and how they influence policy-makers' behavior in Nigerian manufacturing industries.Design/methodology/approachThe study develops a model based on the norm activation model (NAM) and the theory of planned behavior (TBP) to investigate the factors that influence decision-makers' intention in adopting Green-IT. A quantitative approach using a survey method is carried out to gather opinions of IT decision-makers using a random sampling technique. Partial least squares structural equation modeling (PLS-SEM) technique is applied to test the structural model and measurement model.FindingsThe study's findings support the use of the behavior model for Green-IT adoption. The study's finding indicates that subjective norms, perceived behavior control (PBC), manager's attitude, personal norm (PN), awareness of adverse consequences and the ascription of responsibility (AR) positively influence intention to adopt Green-IT.Research limitations/implicationsThe development and validation of the model are the study's theoretical contributions. The study reviewed the existing literature on the utilization of Green-IT to better understand the intention to adopt Green-IT in Nigeria. It added to the literature by identifying factors that can influence it as well as theoretical underpinnings that can fit the intentions of decision-makers. The scientific community and the industrial companies would have the chance to investigate how this integrated behavioral intention model promotes the use of Green-IT. The research predictors explained about 70.20% of the variance in the behavioral intention to adopt Green-IT.Practical implicationsResearch offers practical implications and recommendations for top management practitioners of the manufacturing industries. Business leaders can use the results of this study to develop an effective strategic IT policy for the successful adoption of Green-IT practices for enhanced productivity. The study found that decision-makers' Green-IT attitudes had a substantial impact on their behavioral intention to adopt Green-IT. The study highlighted the importance of the top management attitude toward green products to facilitate the adoption of Green-IT practices in manufacturing industries in Nigeria. Thus, the positive and significant attitude of policy-makers is a necessary tool toward the successful adoption of Green-IT. Therefore, to foster an environmentally sustainability friendly atmosphere, Nigeria's manufacturing industries shall strive to strengthen the decision-makers' attitude toward practicing Green-IT in their respective domains. The findings showed that AR, AQ, environmental concern (EC), perceived behavior and perceived behavior are critical factors to be considered in an organization.Social implicationsAccording to the findings, an individual's Green-IT attitude has a substantial impact on the environment as social behavior. As a result, the positive and essential attitude of the social sector is a key tool for efficient Green-IT implementation. Nigeria's social activists must try to create awareness campaigns to boost decision-makers' attitudes toward implementing Green-IT in their various regions to develop a friendlier environment. Thus, the identified factors can be of great help to the social sector in designing and implementing successful environmental-friendly policies that could support the adoption of Green-IT practices.Originality/valueThe current research look at Green-IT adoption in manufacturing industries of West African countries. The study offers practical implications and recommendations for top management practitioners of the manufacturing industries, government policy-makers and organizations to enhance the use of Green-IT for mitigating environmental degradation. Recommendations for future research are stated as concluding remarks.

Predicting intention to participate in family takaful scheme using decomposed theory of planned behaviour

2016 ◽  
Vol 43 (12) ◽  
pp. 1351-1366 ◽  
Author(s):  
Maizaitulaidawati Md Husin ◽  
Asmak Ab Rahman
Keyword(s):  
Purchase Intention ◽  
Theory Of Planned Behaviour ◽  
Primary Data ◽  
Planned Behaviour ◽  
Content Type ◽  
The Social ◽  
The Family ◽  
Intention To Participate ◽  
Klang Valley ◽  
Intentions To Participate

Purpose The purpose of this paper is to examine the factors that influence an individual’s intention to participate in the family takaful scheme based on decomposed theory of planned behaviour (DTPB). The central hypotheses for this study are that individual’s intentions to participate in family takaful scheme are a result of attitudes towards participation in family takaful scheme, subjective norms, and perceived behavioural control (PBC). Awareness and knowledge, as well as exposure and religiosity, are integrated into the model. Design/methodology/approach Using primary data collection method, 384 questionnaires were distributed to target respondents comprising of Muslims in Klang Valley, Malaysia. The data were analysed using Statistical Package for the Social Sciences and SmartPLS. Findings The DTPB model is effective in predicting individual’s intention to participate in family takaful scheme. Out of 15 hypotheses, 12 were found to be significant. Attitudes towards participation in family takaful scheme, PBC, knowledge, and exposure have significant influences on purchase intention. However, this study found the path from religiosity, awareness, and subjective norm to intention was insignificant. Practical implications The results of this study highlight the applicability of DTPB into takaful research and suggest marketing strategies for family takaful operators. Originality/value The value of this paper lies in its presentation of a model for factors that affect individual’s intention to participate in family takaful scheme.

Malaysian entrepreneurs propensity to use IT innovation

2014 ◽  
Vol 27 (2) ◽  
pp. 139-157 ◽  
Author(s):  
Sedigheh Moghavvemi ◽  
Noor Akma Mohd salleh
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
New Technologies ◽  
Professional Services ◽  
Early Adopter ◽  
Research Model ◽  
Policy Makers ◽  
Content Type ◽  
It Innovation ◽  
The Individual

Purpose – Theoretical perspectives from other fields are used to shed additional light on an individual's technology acceptance, due to the fact that it is frequently replicated with minor tweaks and extensions. The entrepreneurial event model (EEM) is an intentional model, which measures the volitional aspect of behaviours. The purpose of this paper is to seek to revise and validate this model in the context of technology acceptance, while also investigating information technology (IT) innovation adoption. Design/methodology/approach – In order to test the proposed research model, data are collected using a questionnaire survey from 420 entrepreneurs involved in providing professional services in manufacturing, telecommunication, education, banking and finance, service, and agriculture in Malaysia. The structural equation modelling technique was used to evaluate the research model. Findings – The results of the study confirmed that the model is robust enough to measure the individual dimensions of technology adoption. It also indicated that the propensity to use, perceived desirability and perceived feasibility are significantly and positively related to the intention to use IT innovation. EEM accounted for 82 per cent of the variance in usage intention, and it provided a useful tool for managers to gauge the likelihood of success for new technologies. Originality/value – This paper highlights and expands upon positive implications for academic, managers and policy makers. Applying the EEM model on technology acceptance will serve to illuminate this area and reveal new knowledge perspectives. Policy makers could encourage early-adopter entrepreneurs to adopt and use IT innovation in their businesses, which will in turn encourage others to look up to these early adopter and emulate them, thus increasing the rate of adoption and the use of IT innovation.

Examining the disjunctures between policy and care in Canada’s Parent and Grandparent Supervisa

2015 ◽  
Vol 11 (4) ◽  
pp. 253-267 ◽  
Author(s):  
Ilyan Ferrer
Keyword(s):  
Older Adults ◽  
Adult Children ◽  
Service Providers ◽  
Global South ◽  
Policy Makers ◽  
Older Parents ◽  
Content Type ◽  
Family Unit ◽  
Starting Point ◽  
The Family

Purpose – The purpose of this paper is to examine disjunctures between the ways in which Canada’s Parent and Grandparent Supervisa is framed within policy documents and press releases, and how it is actually experienced by older adults and their adult children from the Global South who engage in intergenerational care exchanges once they reunify. Design/methodology/approach – A case study involving qualitative interviews with a married couple (adult children), and official texts from Citizenship and Immigration Canada were analyzed, and subsequently categorized according to themes. Findings – The findings of this paper first demonstrate how policies such as the Parent and Grandparent Supervisa and the revamped Family Sponsorship program are ostensibly made to alleviate the significant backlog of family reunification applications, but in reality streamline and categorize older adults from the Global South as visitors who are given minimal state entitlements. Second, the Parent and Grandparent Supervisa reinforces forms of structured dependency by placing the responsibility and burden of care onto sponsors who must provide financial, social, and health care to their older parents. Finally, official statements on the Parent and Grandparent Supervisa and restructured Family Sponsorship program ignore the complex intergenerational exchanges that take place to ensure the survival of the family unit. Research limitations/implications – Given the nature of the case study’s design, the study’s findings speak to the experiences of Analyn and Edwin; adult children who sponsored an older parent under the Parent and Grandparent Supervisa. Given the recency of the program, the issues highlighted provide a much-needed starting point in examining the Supervisa’s impact on families from the Global South. Moreover, future studies could critically assess how the highly gendered nature of care is experienced under Canada’s temporary reunification programs. Practical implications – The study highlights the everyday challenges of sponsoring a parent under the Parent and Grandparent Supervisa. These issues are particularly important for policy makers and practitioners to assess and understand how such policies transform dynamics of care for families from the Global South. The unbalanced power dynamics raises questions on how to best support overburdened adult children, and vulnerable older parents who have no access to state resources. Originality/value – The findings of this paper further the understanding of how families from the Global South provide and receive care under the Parent and Grandparent Supervisa. These experiences, however, are neglected within official state policies which frame older newcomers as visitors who are managed, and denied entitlements to state resources. Revealing disjunctures between policy and lived experiences can assist service providers, professionals, and policy makers to recognize how programs like the Parent and Grandparent Supervisa overburden the family unit, and exacerbate conditions of poverty and marginalization.

Gender Differences in Antecedents and Consequences of Trust in an Enterprise's Travel Blogs

2015 ◽  
Vol 43 (2) ◽  
pp. 269-286 ◽  
Author(s):  
Chi-Lung Lee ◽  
Kuo-Lun Hsiao ◽  
Hsi-Peng Lu
Keyword(s):  
Gender Differences ◽  
Purchase Intention ◽  
Partial Least Squares Regression ◽  
Causal Model ◽  
Research Model ◽  
Least Squares Regression ◽  
Key Factors ◽  
Travel Services ◽  
Antecedents And Consequences ◽  
And Gender

We developed a research model based on the trust literature to explore both the antecedents and consequences of users' trust in an enterprise's travel blogs, and gender differences in determinants of trust. Responses from 239 participants were used to test the research model hypotheses. The causal model was validated using partial least squares regression analysis. The results showed that the visual appeal and information adequacy of the blog platform, as well as trust in travel experts' blogs, were the key factors influencing readers' trust, for both men and women. Contrary to our expectations, trust for men was not significantly affected by the operational efficiency of the blog platform. Moreover, although trust was found to influence male and female users' intention to recommend travel services, it did not have a significant effect on female users' purchase intention.

scholarly journals Antecedents and consequences of perceived customer value in the restaurant industry

2018 ◽  
Vol 32 (1) ◽  
pp. 26-45 ◽  
Author(s):  
Vincent M. Thielemann ◽  
Michael C. Ottenbacher ◽  
Robert James Harrington
Keyword(s):  
Customer Satisfaction ◽  
Customer Value ◽  
Restaurant Industry ◽  
Extensive Literature ◽  
Research Model ◽  
Least Squares Regression ◽  
Content Type ◽  
Antecedents And Consequences ◽  
Research Stream ◽  
Perceived Customer Value

PurposeThe purpose of this paper is to identify the antecedents of perceived customer value, such as the perceived quality and perceived sacrifices, and the effects on customer satisfaction and customer loyalty (CL) in the restaurant industry.Design/methodology/approachBased on an extensive literature review, a research model and questionnaire were designed. To assess the hypothesised relationships, data were collected in a field survey. Partial least squares regression (a variance-based regression analysis of SEM) was selected to analyse the relationships within the research model.FindingsThe findings of this study indicate that the perceived monetary sacrifice (PMS) and perceived service quality were found to be antecedents of perceived value (PV), whereas PMS was the major precursor of PV. Further, PV was found to have a substantial influence on customer satisfaction and CL.Originality/valueThe study provides a better understanding of the price–value–satisfaction–loyalty relationships in the restaurant context in a more holistic sense and recommendations to move this research stream forward.

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