The application of the theory of reasoned action on services of Islamic rural banks in Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ihsan Effendi ◽  
Miftahuddin Murad ◽  
Ahmad Rafiki ◽  
Mitra Musika Lubis
Keyword(s):  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Public Awareness ◽  
Sampling Technique ◽  
Equation Model ◽  
Subjective Norms ◽  
Product Knowledge ◽  
Content Type ◽  
Use Of Services

Purpose The Islamic rural banks have the potential to grow in Indonesia. It is important to learn and study the consumer behaviors toward the Islamic rural banks’ services to plan for future strategies. The purpose of this paper is to test the applicability of the theory of reasoned action in predicting the customers’ decision to use the Islamic rural banks’ services. Design/methodology/approach The descriptive and structural equation model analyses were used to analyze the data. A random sampling technique is adopted with a sample size of 180 consumers of the Islamic rural banks. There are variables to be tested such as Sharia system compliance, product knowledge on Sharia, promotion, services, attitude, subjective norms, intention and customer decisions to use the Islamic rural banks’ services. Findings The results found that the Sharia system compliance, promotion, services, attitude, subjective norms and intention variables have a significant effect on the use of services at Islamic rural banks. Only product knowledge on Sharia variable has been found to be insignificant. Originality/value The model can be used to prepare better strategies to attract more customers as well as increase public awareness toward Islamic rural banks’ products and services. The results are useful as a benchmark for policymakers to improve the establishment of Islamic rural banks particularly in Indonesia.

What makes up intentions to purchase the pioneer? A theory of reasoned action approach in India and the USA

2018 ◽  
Vol 13 (5) ◽  
pp. 734-757 ◽  
Author(s):  
Tarek Mady
Keyword(s):  
Social Norms ◽  
Purchase Intention ◽  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Dominant Role ◽  
Emerging Market ◽  
Equation Modeling ◽  
Content Type ◽  
The Usa

Purpose The purpose of this paper is to extend the research paradigm focusing on behaviorally-based first-mover advantages (FMA) by applying the widely-accepted Theory of Reasoned Action (TRA) and offers insights into differences between a mature market (USA) and an emerging market (EM) (India) regarding how intentions to purchase the pioneer are formed. Design/methodology/approach Utilizing samples of 208 USA and 194 Indian consumers, hypotheses examining the underlying beliefs, attitudes, social norms and purchasing intentions regarding pioneer brands are developed and tested using structural equation modeling. Findings Insights from the study suggest the TRA provides a means for assessing behaviorally-based FMAs across cultures, even as manifestations of purchase intentions differ significantly. According to the TRA and findings of this study, intentions are a function of overall attitudes and social norms. In the USA, individual attitudes were found to play a more significant role than social norms in formulating purchase intention. In India, social norms played a more dominant role in intention formation. Originality/value The study represents one of the first empirical attempts to shed light on the extent of behaviorally-based FMAs in an EM and how manifestations of intention to purchase the pioneer differ from mature markets. The study expands the behavioral paradigm of analysis to include one of the most sought-after EMs today (India) and provides one of the first empirical studies to utilize the TRA in addressing behaviorally-based FMAs.

scholarly journals Examining Factors Influencing Customer Intention to Use Islamic Home Financing: A Study in UTM

2018 ◽  
pp. 648-653
Keyword(s):  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Subjective Norms ◽  
Intention To Use ◽  
Product Knowledge ◽  
Islamic Banks ◽  
Determinant Factors ◽  
Islamic Bank ◽  
Factors Influencing ◽  
Religious Obligation

Islamic home financing is a kind of product offered by Islamic banks, which is based on the principle of Sharia. Using the Theory of Reasoned Action (TRA) as basis, this study examine factors that influence customers intention in using Islamic home financing. 342 usable surveys are obtained from Islamic bank customers which are the staff in UTM. There are six determinant factors which are attitudes, subjective norms, religious obligation, price and product knowledge were tested. The outcomes show that attitude, religious obligation and product knowledge significantly influenced customers’ intention to use Islamic home financing while price and subjective norms are not significant. The results would help bankers to improving the strategies about the factors that they need the effective market Islamic home financing products in order to be more competitive and known to customers.

Security behaviour of mobile financial service users

2020 ◽  
Vol 28 (5) ◽  
pp. 719-741
Author(s):  
Esther Dzidzah ◽  
Kwame Owusu Kwateng ◽  
Benjamin Kofi Asante
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Sampling Technique ◽  
Substantial Effect ◽  
Equation Model ◽  
Sub Saharan Africa ◽  
Content Type ◽  
Avoidance Motivation ◽  
Threat Avoidance ◽  
User Security

Purpose The inception of mobile financial services (MFSs) has positively provoked economic growth and productivity, nonetheless, it has pessimistically caused an upward surge in cybersecurity threat. Customers are progressively becoming conscious of some of the threat and several of them now shun away from some suspicious activities over the internet as a form of protection. This study aims to explore the factors that influence users’ to adopt security behaviour. Design/methodology/approach A synthesis of theories – Self-efficacy and technology threat avoidance theories – was used to examine the security behaviour of users of MFSs. Data was gathered from 530 students in Ghana using convenience sampling technique. Data analysis was carried out using descriptive statistics, inferential statistics and structural equation model. Findings Outcome of the investigation indicate that both mastery experience and verbal persuasion have substantial effect on the avoidance motivation of MFSs users. It was, however, found that emotional state and vicarious experience of users do not influence their avoidance motivation. Also, it was established that avoidance motivation is a positive prognosticator of avoidance behaviour. Practical implications Understanding the security behaviour of MFS users will help the operators to outline strategies to sustain the successes achieved. Originality/value Studies on user security behaviour are rare, especially in sub Saharan Africa, thus, this study will contribute to extant literature by adding a new dimension of user security behaviour.

The impact of subjective norms, eWOM and perceived brand credibility on brand equity: application to the higher education sector

2020 ◽  
Vol 35 (1) ◽  
pp. 63-74
Author(s):  
Charitha Harshani Perera ◽  
Rajkishore Nayak ◽  
Long Thang Van Nguyen
Keyword(s):  
Higher Education ◽  
Sri Lanka ◽  
Structural Equation Model ◽  
Brand Equity ◽  
Structural Equation ◽  
Equation Model ◽  
Subjective Norms ◽  
Private Higher Education ◽  
Content Type ◽  
Brand Credibility

PurposeThe growing competitive environment in which higher education institutes are immersed has caused them to strengthen their competitive position of a brand and its equity in emerging countries. However, there are several contradictions between the empirically approved determinants and the dimensions of brand equity in higher education. The purpose of this paper is to investigate the structural relationship between subjective norms, electronic word-of-mouth (eWOM), perceived brand credibility and brand equity, taking cross-culturally comparisons between Sri Lanka, and Vietnam.Design/methodology/approachA survey was used to collect data from a sample of 800 undergraduates of private higher education institutions in Sri Lanka and Vietnam in 2019. These data were gathered using purposive sampling and analyzed using a structural equation model. A total of 768 questionnaires were considered valid. In testing the hypothesis and structure among the variables, structural equation modelling was used to determine the relationship between subjective norms, eWOM, perceived brand credibility and brand equity for the higher education institutes in emerging countries.FindingsFor the conceptual framework, the author found that this structural equation model complies with the empirical data. The structural equation model shows that subjective norms, eWOM and perceived brand credibility were significantly related to brand equity. Perceived brand credibility was found to be the mediating variable. Further, the location was found to moderate the relationship between perceived brand credibility and brand equity, highlighting that Vietnamese students are more relying on perceived brand credibility in creating brand equity than their Sri Lankan counterparts.Research limitations/implicationsThe study was conducted at private higher education institutes in Sri Lanka and Vietnam. Future research could benefit from perceptions of undergraduates in public higher education institutes. This study discusses the implications of developing branding strategies for higher education institutions.Originality/valueThe current research contributes to the services marketing and branding literature in the higher education context. The paper presents the crucial elements in building brand equity for higher education institutes to fill the existing gaps in higher education branding literature. The findings of the current study provide strategies to improve the higher education sector.

The effect of maintenance operation, time utility and occupancy to sustainability with transit oriented development moderation

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Makjen Sinaga ◽  
Suharyono Suharyono ◽  
Muhammad Al Musadieq ◽  
Mohammad Iqbal
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Operation Time ◽  
Sampling Technique ◽  
Equation Model ◽  
Primary Data ◽  
Transit Oriented Development ◽  
Content Type ◽  
The Board Of Directors ◽  
The Relationship

PurposeThis study aims to test and analyze the effect of maintenance operation, time utility and occupancy on sustainability with transit oriented development (TOD) as a moderating variable.Design/methodology/approachThis research is a quantitative research. The data in this study are a combination of primary data obtained through a questionnaire. The research took place at PT MRT Jakarta with all the board of directors as a sample in this study. The sampling technique used is saturated sampling and data analysis using structural equation model (SEM).FindingsThe result shows that maintenance and operation (M&O) have a positive and significant effect on time utility, M&O have a positive and significant effect on sustainability, time utility has a positive and significant effect on occupancy, occupancy has a positive and significant effect on sustainability and the influence of TOD does not significantly influence the relationship between time utility on occupancy and occupancy on sustainability.Originality/valueThe originality of this research lies in testing the maintenance operation, time utility and occupancy variables on sustainability with the renewal of TOD as a moderating variable.

scholarly journals Developing a structural brand equity model for cultural destinations

2014 ◽  
Vol 7 (2) ◽  
pp. 112-125 ◽  
Author(s):  
Stella Kladou ◽  
John Kehagias
Keyword(s):  
Brand Equity ◽  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Structural Model ◽  
Reasoned Action ◽  
Group Analysis ◽  
Equation Modeling ◽  
Content Type ◽  
Fifth Dimension ◽  
Structural Relationships

Purpose – This paper aims to investigate the structural relationships between the brand equity (BE) dimensions, when the fifth dimension of cultural brand assets is incorporated. The paper seeks to establish and validate a five-dimensional BE measure for cultural urban destination, by comparing findings in two destinations. Design/methodology/approach – The structural model was tested from the perspective of 399 international tourists visiting Athens. Confirmatory factor analysis and structural equation modeling analysis are used to test and validate an integrated BE model for cultural destinations. Findings are compared with respective ones in the case of Rome. Findings – Findings reveal the significance of cultural brand assets for the BE of cultural urban destinations. Further, the study provides useful insight into the theory of reasoned action by investigating the structural relationships developed between BE dimensions and their impact on loyalty. Research limitations/implications – The study argues that the summative valence of associations, as described in the theory of reasoned action, can be applied in the case of a cultural destination as well. Research directions, including additional place brand dimensions, additional destinations, stakeholders groups or multi-group analysis, are advised to verify and generalise the application of the five-dimensional BE model. Practical implications – Findings reveal those cultural brand assets which can help practitioners build up coherent and successful proprietary brand assets. Quality is a necessary pre-requisite to enhance loyalty. In the case of Athens, associations influence only indirect loyalty through their impact on quality. Originality/value – This study offers to the limited literature concerning structural relationships developed among all five BE dimensions and consumer decision-making models in a tourism context. Moreover, the study contributes to the under-researched dimension of cultural brand assets.

A model of cultural intelligence and global identity

2020 ◽  
Vol 37 (7) ◽  
pp. 821-832
Author(s):  
Arilova Randrianasolo ◽  
Alexey Semenov ◽  
Mark Arnold ◽  
Kristy Reynolds
Keyword(s):  
Structural Equation ◽  
Cultural Intelligence ◽  
Sampling Technique ◽  
Equation Model ◽  
Snowball Sampling ◽  
Global Identity ◽  
Content Type ◽  
Foreign Products ◽  
Willingness To Buy ◽  
The Usa

Purpose This paper aims to propose an original model of cultural intelligence (CQ), global identity and consumer willingness to buy foreign products. Previous research has discussed the relationships between CQ and global identity but only in the context of multi-cultural management teams. The research presented here proposes a model that is applicable to consumer marketing. Design/methodology/approach Online surveys are used to collect data from the USA with a snowball sampling technique and from the UK with panel data. A structural equation model (SEM) is estimated in analysis of moment structures 25 and Hayes bootstrap mediation tests are used to test the hypotheses. Findings The SEM results show that global identity influences motivational CQ, motivational CQ influences cognitive, metacognitive and behavioral CQ and cognitive and behavioral CQ influence consumer willingness to buy foreign products. Results from Hayes Bootstrap mediation tests show that motivational CQ mediates the relationships between global identity and the other three CQ dimensions. Practical implications The findings imply that firms can gauge and enhance consumer CQ levels by investigating or influencing levels of global identity; managers can influence or gauge consumer metacognitive, cognitive and behavioral CQ through motivational CQ; and managers can target consumers with high cognitive and behavioral CQ levels when marketing foreign products. Originality/value This paper not only provides a deeper understanding of the relationships between global identity and cultural intelligence but also incorporates CQ in a consumer context. Previous research has only discussed CQ in the context of managers.

Knowledge, attitudes and practices towards the spread of COVID-19: a health counseling initiative among potential entrepreneurs of FUUAST

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Bahadur Ali Soomro ◽  
Ghulam Rasool Lakhan ◽  
Naimatullah Shah
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Sampling Technique ◽  
Equation Model ◽  
Positive Role ◽  
Cross Sectional ◽  
Content Type ◽  
Health Counseling ◽  
Attitudes And Practices ◽  
At Home

PurposeThe present study examines the knowledge, attitude and practice towards the reduction of COVID-19 spread among entrepreneurs of the Federal Urdu University of Arts, Sciences and Technology (FUUAST), Karachi Pakistan.Design/methodology/approachThe authors employed cross-sectional data to infer the results. The data are collected through an online survey questionnaire. To target the respondents; a convenience sampling technique is adopted. In total, 222 usable answers proceed with final results. The structural equation model (SEM) is applied for the data analysis.FindingsThe study outcomes found a significant and positive role of knowledge about COVID-19, attitudes towards a stay at home and practices against COVID-19 in reducing the spread of the pandemic.Practical implicationsThe study provides coherent knowledge about the factors that fight against the pandemic's further spread. The findings would provide the guidelines to policymakers to think about such factors and boost them enormously. Further, the results would contribute to the literature of COVID-19.Originality/valueThis study is original, which empirically confirmed the effect of knowledge about COVID-19, attitudes towards a stay at home and practices against COVID-19 in an academic institute.

scholarly journals Factor Affecting Determinants of the Theory of Reasoned Action on Green Entrepreneurship Intention

2021 ◽  
Vol 2 (1) ◽  
pp. 10-19
Keyword(s):  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Institutional Support ◽  
Entrepreneurial Intention ◽  
Subjective Norm ◽  
Equation Model ◽  
University Graduates ◽  
Hypothesis Model ◽  
Green Entrepreneurship

Green entrepreneurship is attempting to play a vastly increased role in protecting the environment through sustainable development. This study's main objective is to construct a hypothesis model of green entrepreneurship intention with their three main determinants, "attitude, subjective norm and institutional support" of university graduates, based on the theory of reasoned action. In order to achieve this, a researcher used the structural equation model for the statistical measurement to study the theoretical model based on 513 students of universities from two selected universities in Pakistan. The statistical outcomes revealed that green entrepreneurial intention directly affects attitude, subjective norm and educational support by the educational institute. While Green awareness helps to strengthen the green entrepreneurial = the green entrepreneurial intention. More significantly, creative entrepreneurs with high institutional support, self-attitude and subjective norm are more likely to participate in green recognition. Consequently, this strategy endorses the intention of students towards green entrepreneurship. On the other hand, creative entrepreneurs with low green self-identity are more likely to get involved in green disengagement, which prevents green entrepreneurial intention. Finally, we explore the theoretical and practical consequences of our findings for entrepreneurial and green entrepreneurship practices.

scholarly journals Effect of Subjective Norms Mediation to Entrepreneurship Intention at Entrepreneurship Learning in School

2018 ◽  
Vol 5 (4) ◽  
pp. 349
Author(s):  
Achmad Mustofa ◽  
Wiedy Murtini ◽  
Hery Sawiji
Keyword(s):  
Indirect Effects ◽  
Random Sampling ◽  
Structural Equation ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Equation Model ◽  
Subjective Norms ◽  
Coefficient Of Determination ◽  
Original Sample ◽  
Sampling Formula

This type of research is quantitative research with the help of Smart PLS 3.0 application. The population in this study are all students of marketing program of SMK Negeri Boyolali on entrepreneuship learning. Through the sampling formula Issac and Michael obtained as many as 175 student samples. Sampling technique used proportionate stratified random sampling. Technical analysis used is structural equation model analysis. Testing hypothesis with significant level 5% obtained by coefficient of beta (original sample) at specific indirect effects equal to 0,105. It shows that entrepreneuship learning has positive predictive properties of entrepreneurship intention (EI) through students' subjective norms. The value of t-count is 2,844, the value of t-table is 1.96 then t-count > t-table (2,844> 1,96). It shows that student EI is significantly influenced by entrepreneuship learning through students' subjective norms. While the value of coefficient of determination (r-square) obtained coefficient of determination for subjective norms (SN) variable shows that the amount of contribution, contribution given by entrepreneurship learning (EL) variables 9.3% and the value of coefficient of determination for EI variable shows that the amount of contribution, contribution given by variable SN 37.8%. So this research is well used in the development of economic learning innovation, especially entrepreneurship subjects.

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