Determinants of SMEs intention to adopt Islamic crowdfunding model in Northwestern Nigeria

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mansur Ahmed Kazaure ◽  
Abdul Rashid Abdullah ◽  
Dahlia Binti Zawawi ◽  
Amer Hamzah
Keyword(s):  
Technology Acceptance ◽  
Small And Medium Enterprises ◽  
Financial Model ◽  
Content Type ◽  
Intention To Adopt ◽  
Alternative Sources ◽  
Acceptance Model ◽  
Medium Enterprises ◽  
Practical Implications

Purpose The study aims is to examine the determinant factors of small and medium enterprises’ (SMEs’) intention to adopt the Islamic crowdfunding model as alternative sources of finance. Design/methodology/approach Using a survey questionnaire, 385 responses were received from owners and managers of SMEs in three states (Kano, Kaduna and Katsina) of northwestern Nigeria and analyses using PLS-SEM 3.0 software. Findings All hypotheses were found to be significant. Research limitations/implications The research focused only on northwestern Nigeria; there is a need for further research to focus on other geographical zones in Nigeria. Practical implications Crowd funders and policymakers can use these findings to enable the adoption of the Islamic crowdfunding model. Originality/value The previous study has not examined the role of technology acceptance model in the adoption of the financial model; these findings contribute to the crowdfunding literature by filling this gap.

The factors that influence small and medium enterprises’ intention to adopt the government credit program

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Rofikoh Rokhim ◽  
Iin Mayasari ◽  
Permata Wulandari
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Small And Medium Enterprises ◽  
Ease Of Use ◽  
Content Type ◽  
Intention To Adopt ◽  
The People ◽  
Usefulness Perception ◽  
Acceptance Model ◽  
Medium Enterprises

Purpose This study aims to analyze the adoption of the people entrepreneurship credit with online platform – a government-sponsored subsidy of small and medium enterprises to reduce poverty and to improve welfare – in the Central Java, Indonesia. The objective of the research is also to analyze the motivation of small and medium enterprises to adopt the credit with online platform in supporting business activities. The research framework used the technology acceptance model – the effect of perception of usefulness, perception of ease of use, subjective norm and four As – availability, affordability, awareness, acceptability and trust – to analyze them as the determinants on the intention to adopt the People Entrepreneurship Credit. Design/methodology/approach The quantitative method with survey was deployed in the study by distributing questionnaires. The number of collected data was 380 credit users, and the criteria used for the respondents were the small entrepreneurs with the use of the people entrepreneurship credit as the micro credit program. Findings Results indicated that perception of usefulness, perception of ease of use, subjective norm, availability, trust and affordability have direct effect on the intention to adopt the credit. Interestingly, the strongest direct effect on the adoption intention was more likely to come from the perception of ease of use. Meanwhile, awareness and acceptability have no direct effect on the intention to adopt. Originality/value This study provides new theoretical insights regarding the implementation of technology acceptance model to analyze the intention to adopt and the analysis of four As concept. The findings of the study will provide a better strategy for banking as service industries in formulating the program of credit access for the entrepreneurs to run the business properly.

An alternative model of self-service retail technology adoption

2015 ◽  
Vol 29 (5) ◽  
pp. 406-420 ◽  
Author(s):  
Arun Kumar Kaushik ◽  
Zillur Rahman
Keyword(s):  
Technology Acceptance ◽  
Primary Data ◽  
Future Research ◽  
Consumer Adoption ◽  
Content Type ◽  
Intention To Adopt ◽  
Self Service ◽  
Acceptance Model ◽  
The Impact ◽  
Practical Implications

Purpose – This study aims to extend and revise the basic technology acceptance model (TAM) by analyzing the impact of trust and subjective norm (SN) on consumers’ attitude and behavioral intention toward adopting self-service technologies (SSTs) in offline retail environments. Design/methodology/approach – Primary data were collected through field and online surveys, resulting in 651 usable responses. Hypotheses involving all variables of extended TAM, and their mutual relationships, are examined in this study of offline consumer adoption behavior. Findings – The findings reveal that trust significantly affects both consumers’ attitudes and their behavioral intentions, while SN also affects intention to adopt. It is recommended that future researchers use a more comprehensive version of TAM and consider trust and SN when analyzing offline consumer adoption behavior. Research limitations/implications – All the SSTs included in this paper belong to the retail industry, which limit the generalizability of the findings to other industries. Many other limitations are also discussed. Practical implications – The practicality of our findings guides managers and designers of technological interfaces. Furthermore, the practical implications are discussed and directions for future research are also provided. Social implications – This study recommends the usage of numerous SSTs in organized retail stores. The society will also benefit from the effective implementation of such SSTs. Originality/value – Trust and SNs have been incorporated as two additional variables to analyze offline adoption behavior of retail customers. This has not been done before, as most studies have focused on adoption behavior of customers in online environments.

What affects the export entrepreneurship of SMEs?

2020 ◽  
Vol 30 (2) ◽  
pp. 265-278
Author(s):  
Channappa Santhosh
Keyword(s):  
Conceptual Framework ◽  
Design Methodology ◽  
Social Ties ◽  
Small And Medium Enterprises ◽  
International Market ◽  
Engineering Industry ◽  
Content Type ◽  
Medium Enterprises ◽  
Practical Implications

Purpose The purpose of this paper is to analyse the different drivers’ and its impact on the export entrepreneurship (EE) of small and medium enterprises (SMEs). Design/methodology/approach The proposed conceptual framework has been tested through analysis of a sample of 102 internationalized (exports) SMEs of the Engineering industry in the Bangalore district, Karnataka, India. Findings Results reveal that firms with younger entrepreneurs who have industry-specific experience and different social ties are able to achieve higher performance. Practical implications Overall, results facilitate understanding of the importance of entrepreneurial capabilities to successfully formulate and strategize their international efforts to achieve better performance in the international market. Originality/value The study enhances the importance of understanding the role of different drivers on EE in the context of an emerging economy where studies are limited and largely unexplored till date.

scholarly journals MODELLING SMEs’ BEHAVIORAL INTENTION TO ADOPT ISLAMIC CROWDFUNDING-SMALL AND MEDIUM ENTERPRISES (ICSMEs) MODEL AS A SOURCE OF FINANCING IN MALAYSIA

2019 ◽  
Vol 4 (2) ◽  
pp. 293-310
Author(s):  
Mohamed Asmy Bin Mohd Thas Thaker
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Financial Services ◽  
Positive Impact ◽  
Small And Medium Enterprises ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Intention To Adopt ◽  
Acceptance Model ◽  
Medium Enterprises

The present study has proposed Islamic Crowdfunding-Small and Medium Enterprises (ICSMEs) model to assist SMEs in meeting their need to access external financial services in Malaysia. Upon the proposed model, this study examines the behavioural intention of SMEs to use ICSMEs model. The primary data are collected from the survey administered to SMEs in the Klang Valley (n=250) and the analysis is conducted using Partial Least Squares (SmartPLS). Furthermore, the model has been validated its acceptance in the field by adopting the Technology Acceptance Model (TAM). This study has revealed that both the perceived usefulness and perceived easy to use are found to have a positive impact on the behavioral intention of SMEs to use ICSMEs model, which later assist them to access to financial services in Malaysia. Furthermore, perceived easy to use has a positive relationship and direct effect with perceived usefulness of SMEs to use the ICSMEs model. The findings of this study can be used to develop a specific framework in which to examine other components of using the ICSMEs model’s behavior and to plan appropriate intervention strategies to increase financial accessibility by SMEs.

The role of operational stickiness in impacting new venture survival

2019 ◽  
Vol 30 (5) ◽  
pp. 876-896 ◽  
Author(s):  
Yingjie Shi ◽  
Xuechang Zhu ◽  
Shuaishuai Zhang ◽  
Yu Lin
Keyword(s):  
Small And Medium Enterprises ◽  
Manufacturing Industries ◽  
New Venture ◽  
Analysis Method ◽  
Labor Management ◽  
Content Type ◽  
Medium Enterprises ◽  
The Relationship ◽  
Practical Implications

Purpose The purpose of this paper is to examine the existence of operational stickiness, and explores the relationship between operational stickiness and the likelihood of survival. Furthermore, the authors investigate this relationship in different manufacturing industries. Design/methodology/approach Using a large sample of more than 200,000 new manufacturing small and medium enterprises between 2000 and 2013 in China, the authors use the survival analysis method to investigate the non-linear relationship between operational stickiness and the likelihood of survival. Findings The authors demonstrate the existence of operational stickiness, such as inventory stickiness, property, plant, and equipment (PPE) stickiness, and labor stickiness. Next, the authors find the inverted U-shaped relationship between operational stickiness and the likelihood of survival. Furthermore, the authors document the differential effect of operational stickiness on the likelihood of survival in different industries. Practical implications Managers can improve the firm’s likelihood of survival by maintaining a moderate inventory stickiness and PPE stickiness. However, managers should not adopt sticky labor management in manufacturing industries. Originality/value This paper may be the first study to demonstrate the existence of operational stickiness, and confirm the inverted U-shaped relationship between operational stickiness and the likelihood of survival.

Effects of cloud computing assimilation on supply chain financing risks of SMEs

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Qiang Lu ◽  
Jinliang Chen ◽  
Hua Song ◽  
Xiangyu Zhou
Keyword(s):  
Cloud Computing ◽  
Supply Chain ◽  
Small And Medium Enterprises ◽  
Supply Chain Integration ◽  
Content Type ◽  
Supply Chain Financing ◽  
Medium Enterprises ◽  
The Relationship ◽  
Moderating Role

Purpose The purpose of this study is to examine how cloud computing assimilation reduces supply chain financing (SCF) risks of small and medium enterprises (SMEs). This study also investigated the mediating roles of internal and external supply chain integration between cloud computing assimilation and the SCF risks of SMEs, as well as the moderating role of environmental competitiveness. Design/methodology/approach Data was collected from surveys of SMEs located in China. Multiple regression analysis was used to validate the proposed theoretical model and research hypotheses. Findings The findings show that cloud computing assimilation could reduce the SCF risks of SMEs directly. The results also indicate that both internal and external supply chain integration mediate the relationship between cloud computing assimilation and SCF risks. Furthermore, environmental competitiveness inhibits the effects of cloud computing assimilation on SCF risks. Originality/value To our best knowledge, this is the preliminary study to explore the role of cloud computing assimilation in reducing the SCF risks of SMEs. Also, this study attempted to investigate the process by which cloud computing assimilation affects the SCF risks of SMEs.

How to survive in the age of artificial intelligence? Exploring the intelligent transformations of SMEs in central China

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Jinqiang Wang ◽  
Yaobin Lu ◽  
Si Fan ◽  
Peng Hu ◽  
Bin Wang
Keyword(s):  
Artificial Intelligence ◽  
Small And Medium Enterprises ◽  
Policy Support ◽  
Central China ◽  
Limited Resources ◽  
Text Data ◽  
Content Type ◽  
External Pressures ◽  
Medium Enterprises

PurposeThe purpose of the research is to explore how small and medium enterprises (SMEs) in central China achieve intelligent transformation through the use of artificial intelligence (AI). Because of unequal resource allocation, constraints on the intelligent transformation of SMEs in central China are different from those in economically and technologically well-developed coastal provinces. Hence, the authors focus on SMEs in central China to identify drivers of and barriers to intelligent transformation.Design/methodology/approachThe interview data were collected from 66 SMEs across 20 industries in central China. To verify the validity of the data collection method, the authors used two methods to control for retrospective bias: multi-level informants and enterprises' AI project application materials (Wei and Clegg, 2020). The final data were validated without conflicts. Next, the authors cautiously followed a two-step approach recommended by Venkatesh et al. (2010) and used NVivo 11.0 to analyze the collected text data.FindingsSMEs in central China are enthusiastic about intelligent transformation while facing both internal and external pressures. SMEs need to pay attention to both internal (enterprise development needs, implementation cost, human resources and top management involvement) and external factors (external market pressure, convenience of AI technology and policy support) and their different impacts on intelligent transformation. However, constrained by limited resources, SMEs in central China have been forced to take a step-by-step intelligent transformation strategy based on their actual needs with the technological flexibility method in the short term.Originality/valueConsidering the large number of SMEs and their importance in promoting China's economic development and job creation (SME Bureau of MIIT, 2020), more research on SMEs with limited resources is needed. In the study, the authors confirmed that enterprises should handle “social responsibility” carefully because over-emphasizing it will hinder intelligent transformation. However, firms should pay attention to the role of executives in promoting intelligent transformation and make full use of policy support to access more resources.

Big data-driven supply chain and performance: a resource-based view

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Shampy Kamboj ◽  
Shruti Rana
Keyword(s):  
Big Data ◽  
Supply Chain ◽  
Small And Medium Enterprises ◽  
Data Driven ◽  
Equation Modeling ◽  
Firm Age ◽  
Content Type ◽  
Sustainable Performance ◽  
Medium Enterprises

PurposeThe main objective of this paper is to study the role of supply chain performance (SCP) as a mediator between big data-driven supply chain (BDDSC) and firm sustainable performance. In addition, the role of firm age as a moderator between BDDSC and SCP as well as between SCP and firm sustainable performance has also been explored.Design/methodology/approachThe 200 managers of medium or senior level positions in micro, small and medium enterprises (MSMEs) located at Delhi-NCR have been contacted. Further, collected data have been confirmed with confirmatory factor analysis (CFA). In this paper, structure equation modeling (SEM) has been employed to empirically check the proposed hypotheses and their relationships.FindingsThe findings confirmed that SCP mediates the link between BDDSC and firm sustainable performance. Additionally, firm age moderates the association between BDDSC and SCP as well as between SCP and firm sustainable performance.Research limitations/implicationsThe role of SCP and firm age between BDDSC and sustainable performance have been examined in the context of MSMEs in Delhi-NCR and thereby limit the generalization of results to other industries and country contexts.Originality/valueThe present study adds to the existing literature via recognizing the blackbox using SCP and firm age to comprehend BDDSC and firm sustainable performance relationship.

Intellectual capital and innovative performance: a mediation-moderation perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Shafique Ur Rehman ◽  
Hamzah Elrehail ◽  
Abdallah Alsaad ◽  
Anam Bhatti
Keyword(s):  
Intellectual Capital ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Management Control ◽  
Business Strategies ◽  
Content Type ◽  
Innovative Performance ◽  
Innovative Capabilities ◽  
Medium Enterprises

PurposeThis study explores central questions related to the connection between intellectual capital (IC) and the innovative performance of organizations through the mediating role of management control systems (MCS) and business strategies, as well as the moderating role of innovation capabilities.Design/methodology/approachThe data was collected from the managers of small and medium enterprises (SMEs) through a structured questionnaire. Out of 1,152 questionnaires distributed, only 415 were used for analysis purposes. Structural equation modelling (SEM) was used to test the study hypotheses.FindingsIntellectual capital significantly influences MCS, business strategies and innovative performance. Moreover, MCS, business strategies and innovative capabilities significantly improve innovative performance. MCS and business strategies significantly mediate the relationship between intellectual capital and innovative performance. Finally, innovative capabilities significantly moderate that between intellectual capital and innovative performance.Practical implicationsThe current research examines how management should use MCS, business strategies, and innovative capabilities to take maximum benefit from intellectual capital in order to improve innovative performance.Originality/valueThis is pioneering research that develops a theoretical model to incorporate intellectual capital, MCS, business strategies, innovative capabilities and innovative performance. Even though the influence of various kinds of intangible assets/resources on innovative performance has been widely examined in the literature, scant attention has been paid to the role of MCS, business strategies, and innovative capabilities in leveraging the firm's intellectual capital.

Can Bahraini patients accept e-health systems?

2019 ◽  
Vol 32 (4) ◽  
pp. 720-730 ◽  
Author(s):  
Ali Zolait ◽  
Nadeen Radhi ◽  
Muna Moahmmed Alhowaishi ◽  
Veera Pandiyan Kaliani Sundram ◽  
Lulwa Mohammed Aldoseri
Keyword(s):  
Health System ◽  
Technology Acceptance ◽  
Reasoned Action ◽  
Structured Interview ◽  
Content Type ◽  
Factors Affecting ◽  
Tam Model ◽  
Acceptance Model ◽  
Self Administered Questionnaire ◽  
Practical Implications

Purpose The purpose of this paper is to examine whether Bahraini individuals accept e-health system and the prominent factors affecting e-health system adoption in Bahrain. Design/methodology/approach The authors adopted a quantitative and qualitative approach, i.e., a self-administered questionnaire, unstructured and a semi-structured interview, which were used to collect the data. A questionnaire was distributed to Bahraini residents selected randomly. The framework was based on the technology acceptance model (TAM) and theory of reasoned action (TRA). Important variables from both the TAM model and TRA theory were extracted and jointly used to build the research model. Findings The findings indicated that the most factors affecting e-health adoption are trust, health literacy and attitude. Additionally, people in the private and government sectors understand e-health benefits. Practical implications If healthcare professionals understand the factors affecting e-health system adoption from an individual and organisational perspective, then nurses, pharmacists and others will be more conscious about e-health and its adoption status. Originality/value E-health system adoption has become increasingly important to governments, individuals, and researchers in recent years. A novel research framework, based on TAM and TRA, was used to produce a new integrated model.

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