Do risk attitude and trust moderate bank managers' risk perceptions in lending to micro, small, medium enterprises?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Harsha Talaulikar ◽  
Purva Hegde Desai ◽  
Nilesh Borde
Keyword(s):  
Risk Perception ◽  
Information Asymmetry ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Risk Attitude ◽  
Bank Lending ◽  
Cognitive Factors ◽  
Content Type ◽  
Perceived Trust ◽  
Bank Managers

PurposeThe purpose of this research is to study the antecedents of risk perceptions of bank managers towards micro, small, medium enterprise (MSME) lending, in the situation of information asymmetry, where cognitive factors assume significance over organisational norms of lending.Design/methodology/approachThis study proposed and tested a conceptual model based on the factors identified from literature review and exploratory and quantitative study. Multinomial logistic regression technique is used for quantitative analysis.FindingsThe research postulates that information asymmetry, risk attitude, perceived trust and organizational norms have a significant relationship with branch managers' perceived risk in lending to MSMEs. The research emphasized that the risk attitude of managers and perceived trust moderate the relationship between information asymmetry and perceived risk. The findings and discussions enrich the knowledge about the alleviators of constraints to MSME funding in developing nations despite information asymmetry.Originality/valueAuthors have given holistic view on the risk perception in the financial decision-making process of bank lending. The research highlights the importance of cognitive factors in decreasing the negative impact of information asymmetry on risk perception.

Risk perceptions, on-farm handling, and food safety practices among egg producing farmers in Thailand

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Kwanhatai Thongpalad ◽  
Sushil Koirala ◽  
Anil Kumar Anal
Keyword(s):  
Food Safety ◽  
Risk Perception ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Preventive Measures ◽  
Smallholder Farmers ◽  
Safety Practices ◽  
Content Type ◽  
On Farm ◽  
The Impact

PurposeSafe food from animal origins rely on preventive measures adopted at the farm level. However, farmers' awareness on the food safety risk is limited, affecting their on-farm activities. Thus, this study was conducted to assess and compare the farmers' perceptions on food safety issues and risks caused by the management and practices at layer farms.Design/methodology/approachFarmers from 143 farms certified by National Good Agricultural Practices (GAP) standard and 59 non-GAP farms were interviewed using a structured questionnaire for risk perception evaluation. Their level of perceived risk was compared using a scoring system.FindingsThe food safety hazards in eggs seem to be fairly recognized by both groups of farmers. GAP farmers demonstrated a higher risk of food safety incidences caused by inappropriate management and practices in farms than non-GAP farmers (p < 0.001). Although the results did not confirm the strong connection between risk perception and risk reduction behavior, these findings are beneficial to the food safety policy implementers to evaluate the critical issues for risk communication and for knowledge dissemination activities. The influence of other internal and external factors on farmers' food safety-related behavior should be further investigated.Research limitations/implicationsThe impact limitation was identified due to the restriction of scope on a specific population and region. The target respondents did not cover all scales, especially the backyard and smallholder farmers nor other rearing systems, such as free-range productions.Originality/valueThe knowledge regarding the food safety practices by egg producing farmers in Thailand is limited. Notably, this study contributes to the literature in elucidating the preventive behavior of food handlers and all stakeholders in the Thai food supply chain. The implementations of food safety preventive measures by two groups of farmers, GAP-certified and non-GAP-certified farmers, will guide policymakers to intervene more successfully regarding the appropriate changes needed.

“Carne Fraca”

2019 ◽  
Vol 122 (2) ◽  
pp. 722-735
Author(s):  
Filipe Quevedo-Silva ◽  
Otavio Freire ◽  
Caroline Pauletto Spanhol-Finocchio
Keyword(s):  
Risk Perception ◽  
Perceived Risk ◽  
Purchase Intention ◽  
Positive Impact ◽  
Risk Attitude ◽  
Content Type ◽  
National Crisis ◽  
Cast Doubt ◽  
Negative Effect ◽  
The Impact

Purpose Over the last few years, several events have reduced the consumer confidence in relation to food safety. Recently, one event that triggered discussions and concern among consumers in Brazil was the “Carne Fraca” operation which cast doubt on the quality and safety of Brazilian beef. The purpose of this paper is to analyse the impact of the news regarding a national crisis in beef production on consumers’ assessment and purchase intention of beef. Design/methodology/approach A quantitative study was conducted involving 417 respondents in Brazil. The procedure for the analysis consisted of the investigation of two models, incorporating mediation and moderation effects. Findings The results show that news on the crisis had a positive impact on risk perception. This impact was negatively moderated by consumer scepticism. Risk perception had a negative effect on the assessment of beef and purchase intention. These effects were negatively affected by risk attitude. The news directly affected consumers’ assessment of beef and indirectly affected purchase intention through mediation of perceived risk. Originality/value This study proposes two models, analysing the effect of the media on consumers’ assessment of beef and purchase intention, mediated by risk perception. Furthermore, the models analyse the moderating effects of scepticism and consumers’ risk attitude.

scholarly journals Support, opposition, emotion and contentious issue risk perception

2016 ◽  
Vol 29 (2) ◽  
pp. 201-216 ◽  
Author(s):  
Maureen Bourassa ◽  
Kelton Doraty ◽  
Loleen Berdahl ◽  
Jana Fried ◽  
Scott Bell
Keyword(s):  
Risk Perception ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Nuclear Energy ◽  
Positive Emotions ◽  
Negative Emotions ◽  
Future Research ◽  
Content Type ◽  
Public Issues ◽  
Positive And Negative Emotions

Purpose – Research on emotion in the context of risk perception has historically focused on negative emotions, and has emphasized the effect of these negative emotions on the perception of risk amongst those who oppose (rather than support) contentious issues. Drawing on theory, the purpose of this paper is to hypothesize that both positive and negative emotions are correlated with risk perceptions regarding contentious public issues and that this occurs amongst supporters and opponents alike. Design/methodology/approach – The paper explores the relationship between emotions and perceived risk through consideration of the highly contentious case of nuclear energy in Saskatchewan, Canada. The analysis uses data from a representative telephone survey of 1,355 residents. Findings – The results suggest that positive emotions, like negative emotions, are related to nuclear energy risk perceptions. Emotions are related to risk perception amongst both supporters and opponents. Research limitations/implications – The data set’s limited number of emotion measures and single public issue focus, combined with the survey’s cross-sectional design, make this research exploratory in nature. Future research should incorporate multiple positive emotions, explore opposition, and support across a range of contentious public issues, and consider experimental models to assess causal relationships. Practical implications – The paper offers insights into how public sector managers must be cognizant of the emotional underpinnings of risk perceptions amongst both supporters and opponents of contentious public issues. Originality/value – This paper builds on and expands previous work by considering both positive and negative emotions and both supporters and opponents of contentious issues.

scholarly journals Gender as moderator of the influence of tourists’ risk perception on destination image and visit intentions

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Rita Rosa Carballo ◽  
Carmelo Javier León ◽  
María Magdalena Carballo
Keyword(s):  
Gender Differences ◽  
Risk Perception ◽  
Risk Perceptions ◽  
Structural Equation ◽  
Group Analysis ◽  
Destination Image ◽  
Content Type ◽  
Behavioural Intentions ◽  
Consumption Decisions ◽  
The Impact

Purpose This paper aims to study the influence of gender on the theoretical and empirical relationships between tourists’ risk perceptions and both destination image and behavioural intentions. Design/methodology/approach An empirical study was carried out with potential tourists at home in Germany and the UK considering travelling to Spain, Egypt, Morocco, Brazil, Colombia and Indonesia. Data were analysed using structural equation modelling with multi-group analysis. Findings Results show that gender moderates the theoretical relationships between risk perception and both destination image and behavioural intentions. Risk perception is higher for women than for men and depends on the type of risks and the characteristics of the destination. Women are more likely than men to reduce their visit to a destination whenever there is an increase in their risk perceptions. However, the influence of risk perception on destination image is higher for men than for women. Thus, results prove there are significant gender differences in the theoretical relationships between risk perceptions and destination image and visiting intentions. Originality/value This paper provides new evidence on the gender differences in risk perceptions in tourism and their impact on destination image and visiting intentions, showing that whenever there are higher risks at a tourist destination women do change more than men their behavioural intentions. The results are useful for designing risk management and promotion policies at destinations that avoid the masculinisation bias, thereby considering the impact of gender differences on travel behaviour and consumption decisions.

scholarly journals Perceived Risk of Mosquito-Borne Arboviruses in the Continental United States

Pathogens ◽  
2021 ◽  
Vol 10 (12) ◽  
pp. 1562
Author(s):  
Saul Lozano ◽  
Jonathan Day ◽  
Lilyana Ortega ◽  
Maggie Silver ◽  
Roxanne Connelly
Keyword(s):  
United States ◽  
Risk Perception ◽  
Vector Control ◽  
News Media ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
The United States ◽  
Transmission Risk ◽  
Accurate Information ◽  
Use Of Resources

The United States experienced local transmission of West Nile Virus (WNV) for the first time in 1999, and Zika Virus (ZIKV) in 2016. These introductions captured the public’s attention in varying degrees. The research presented here analyzes the disproportional perception of ZIKV risk compared to WNV transmission risk, by the public and vector control personnel. The risk perception of vector control was measured through purposive sampled interviews (24 interviews in 13 states; May 2020–June 2021), while the public’s perception was estimated from news publications (January 2000–December 2020), and Google searches (January 2004–December 2020). Over time, we observed a decrease in the frequency of press reporting and Google searches of both viruses with decreasing annual peaks in the summer. The highest peak of ZIKV news, and searches, surpassed that of WNV. We observed clear differences in the contents of the headlines for both viruses. We propose that the main reason in risk perception differences between the viruses were psychological. Zika infections (mosquito-borne and sexually transmitted) can result in devastating symptoms in fetuses and newborns, observations that frequently appeared in ZIKV-related headlines. Our results highlight the likely influence the news media has on risk perception and the need for public health agencies to play active roles in the conversation, helping disseminate timely and accurate information. Understanding the factors that shape risk perceptions of vector-borne diseases will hopefully lead to better use of resources by providing better guidance.

What determines tourist adoption of smartphone apps?

2018 ◽  
Vol 9 (1) ◽  
pp. 50-64 ◽  
Author(s):  
Anil Gupta ◽  
Nikita Dogra ◽  
Babu George
Keyword(s):  
Perceived Risk ◽  
Smartphone Apps ◽  
Content Type ◽  
Factors Affecting ◽  
Perceived Trust ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Usage Behavior ◽  
Facilitating Conditions ◽  
Practical Implications

Purpose This study aims to identify factors affecting tourists’ intention of using travel apps installed in their smartphones. Design/methodology/approach A questionnaire was developed largely based on the available scales in the published literature. A total of 389 participants responded to the survey, out of which 343 valid responses were obtained for statistical analysis. Findings Significant predictors of smartphone app usage intention included performance expectancy, social influence, price saving, perceived risk, perceived trust and prior usage habits. Usage behavior was largely mediated by usage intention, except in the case of habits. Contrary to the expectation, factors such as hedonistic motivation, facilitating conditions or effort expectancy did not impact usage intention or behavior. Practical implications The study gives app developers vital cues on tourist expectations from the apps. Oftentimes, developers tend to focus entirely on the material utility of their apps, neglecting every other factor influencing use. One particular implication is that despite tourism being a hedonistic activity, travel app usage behavior is not a hedonistic activity. Originality/value This is one of the few studies to examine adoption of smartphone travel apps in an emerging economy context by using extended unified theory of acceptance and use of technology framework with additional constructs.

Through the looking glass: perceiving risk and emotions toward cosmetic procedure engagement

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Abhinav Sood ◽  
Vanessa Ann Quintal ◽  
Ian Phau
Keyword(s):  
Perceived Risk ◽  
Risk Perceptions ◽  
User Behavior ◽  
Well Being ◽  
Emotional States ◽  
Content Type ◽  
Cosmetic Procedure ◽  
The Usa ◽  
Sophisticated User ◽  
Looking Glass

Purpose This research aims to develop a user risk segmentation typology and implement a method that traces how user emotions adapt before, after and toward a next cosmetic procedure. It introduces the user risk segments to an empirical framework to explain re-engagement with the procedure. Design/methodology/approach A survey was self-administered to online consumer panels in the USA. The survey targeted users who had previously undertaken one of three elective procedures, namely, Botox (N = 550), hair transplant (N = 350) or liposuction (N = 350). Findings The typology identified timid image seekers, daring image crafters, approval-seeking socialites and mainstream image adopters. The method tracking user emotions found significant differences before, after and toward a next cosmetic procedure in the user risk segments. The framework predicted user re-engagement with the procedure for each segment. Research limitations/implications The typology presents more sophisticated user risk profiles. The method maps adapting user emotions toward engagement pre- and post-procedure. However, findings are limited to the USA and three cosmetic procedures. Practical implications The typology offers a profile of users and their risk perceptions of a behavior. The method presents an instrument that follows how user emotions adapt. The framework advances understanding of user re-engagement with the behavior. Originality/value Arguably, to the best of the authors’ knowledge, this is the first research to explore how perceived risk operates on emotional states and adaptation, which manifest user well-being and impact user behavior.

scholarly journals PENDEKATAN TAM DALAM LAYANAN GO-MASSAGE PADA APLIKASI GO-JEK

2018 ◽  
pp. 869
Author(s):  
Ni Putu Wulan Widasari ◽  
I Made Wardana ◽  
Putu Yudi Setiawan
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Risk Perceptions ◽  
Purchase Intention ◽  
Risk Attitude ◽  
Sampling Technique ◽  
Theoretical Implication ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use

ABSTRACT The meaning of this research wants to explain the effect of perceived ease of use, perceived usefulness, and perceived risk towards attitude and purchase intention of Go-Massage on Go-Jek application. The population of this study is not limited (infinite) which is the user Go-Jek application in Denpasar. The sample in this study was taken with non-probability sampling technique with 120 respondents. The result shows that perceived ease of use and perceived of usefulness have positive and significant effect towards attitude. Furthermore, the results of the study also showed a positive and significant effect of perceived usefulness and attitude towardspurchase intention. Conversely, risk perceptions have a negative and significant effect on attitude and purchase intention. The theoretical implication of this research is that this research reinforces the attitude theory especially the Technology Acceptance Model proposed by Davis (1989). Practical implications are useful for companies to explore the construct which gives significant effect towards purchase intention.  In the future, the company should focus more on perceived usefulness to encourage customer’s purchase intention towards Go-Massage service offered on Go-Jek application Keywords: TAM, Perceived Ease of Use, Perceived Risk, Attitude, and Purchase Intention

An investigation of consumers’ purchase intentions towards omni-channel shopping

2018 ◽  
Vol 46 (10) ◽  
pp. 959-976 ◽  
Author(s):  
Ipek Kazancoglu ◽  
Hatice Aydin
Keyword(s):  
University Students ◽  
Focus Groups ◽  
Perceived Risk ◽  
Retail Store ◽  
Purchase Intentions ◽  
Situational Factors ◽  
Privacy Concern ◽  
Content Type ◽  
Perceived Trust ◽  
Shopping Behaviour

Purpose The growth of omni-channel retailing is causing consumers to change their habits and shopping behaviour. It is essential to understand the factors on purchase intention within the consumer context. The purpose of this paper is to explore factors that are influencing consumers to use omni-channel in their shopping behaviour – specifically in the apparel sector in Turkey as an emerging country. Design/methodology/approach Designed as exploratory research, this study used four different focus groups. Focus groups were conducted with university students who have experienced the company’s omni-channel applications. The study sample included a total of 30 purposefully selected university students in Izmir, Turkey, who previously shopped at the same store. The selected retail store is the leading domestic shopping brand and the pioneer in omni-channel in the apparel and fashion sector in Turkey. The participants were given three company-related scenarios which were used to help the students to better understand omni-channel applications of the company. Then, they were asked to discuss their perceptions and intentions towards omni-channel shopping. Content analysis was used for analysing transcripts. Findings The findings of the focus groups have revealed 12 themes about the intentions of the university students towards omni-channel shopping. Among 12 themes, it is observed that 6 of them have similarities with the variables of the UTAUT2 model. The findings of the study showed that, beside the additional themes, the predetermined variables of the UTAUT2 model within the literature; which are “performance expectancy”, “effort expectancy”, “facilitating conditions”, “hedonic motivation”, “habit” and “price value” have affected purchasing intentions towards omni-channel shopping. This study proposed six additional themes which were not revealed in the previous studies on purchase intentions in an omni-channel shopping in apparel sector. The six additional themes proposed in this study are; “perceived trust”, “situational factors”, “perceived risk”, “anxiety”, “need for interaction” and “privacy concern”. Research limitations/implications This study is limited to the focus group interviews held in only one university with students from the same programme. The findings are obtained also only valid for the relevant retail store and city, and cannot yet be generalised. Practical implications The relationships suggested in this exploratory study can further be analysed by quantitative study. It is also claimed that the findings of this study can act as a framework to extend the UTAUT2 model by integrating perceived trust, situational factors, perceived risk, anxiety, need for interaction and privacy concern. This model will enable retailers to understand consumer expectations towards omni-channel shopping and to focus on integrating these factors through whole purchasing process in order to increase omni-channel sales. Originality/value The literature on omni-channel has concentrated on the retailers’ perspective, whereas this study aims to reveal an insight from the consumer perspective. The contribution of the study is to provide a framework for understanding the themes on consumer viewpoint in the omni-channel shopping behaviour.

Segmentation of Chinese parents based on food risk perception dimensions for risk communication in rural area of Sichuan province

2016 ◽  
Vol 118 (10) ◽  
pp. 2444-2461 ◽  
Author(s):  
Jiajie Li ◽  
Nan Li ◽  
Lang Luo ◽  
Yanan Ren
Keyword(s):  
Risk Perception ◽  
Risk Communication ◽  
Rural Area ◽  
Risk Perceptions ◽  
Communication Strategies ◽  
Sichuan Province ◽  
Demographic Characteristics ◽  
Target Audience ◽  
Content Type ◽  
Risk Dimensions

Purpose The purpose of this paper is to investigate risk dimensions affecting food risk perceptions and to develop effective risk communication strategies based on their risk perceptions dimensions. The reason for writing this paper is that applying single risk communication strategy for public often fails because food risks are systemic risks and public perceptions toward them consist of multiple dimensions. Launching an effective risk communication need to investigate the perception dimensions of the target audience. Design/methodology/approach A total of 2,673 parents of 3-14-year-old children from the rural area of Sichuan province in China were chosen as target audience. Based on the survey conducted about parents’ food risk perceptions, this study used factor-cluster analysis method to segment parents to sub-clusters with significantly different risk perception dimensions. Parents’ representative demographic characteristics within each cluster were further identified through cross-tabs analysis with χ2 tests. Findings All the parents could be segmented into four sub-clusters, namely, sensitive parents, dependent parents, familiarity-oriented parents and institutional distrust parents, according to their risk perception difference on five dimensions. A series of risk communication strategies were specifically designed for each cluster based on their risk perception features as well as demographic characteristics. Originality/value The insight derived from this study described a deeper image of public risk perceptions and provided suggestions for risk communication launchers to pinpoint the risk perception as well as perception dimensions of the target audience and accordingly develop effective risk communication strategies.

Sign in / Sign up

Export Citation Format

Share Document