scholarly journals IS MULTIPLE BORROWING A BAD SIGN? EVIDENCE FROM MICROFINANCE INSTITUTIONS IN PAKISTAN

2021 ◽  
Vol 9 (3) ◽  
pp. 776-788
Author(s):  
Zahid Iqbal ◽  
Muhammad Akram ◽  
Hassan Ahmad
Keyword(s):  
Moral Hazard ◽  
Structural Equation ◽  
Reliability And Validity ◽  
Primary Data ◽  
Equation Modeling ◽  
Microfinance Institutions ◽  
Loan Repayment ◽  
Mediating Role ◽  
The Impact

Purpose: To improve the loan repayment performance of Microfinance Institutions (MFIs) in Pakistan, this research not only analyses the direct effect of multiple borrowing on loan repayment performance but also determining the indirect impact of multiple borrowing on loan repayment performance through the mediating role of over-indebtedness and moderate role of moral hazard between over-indebtedness and loan repayment performance. Design/methodology/approach: This study is based on a rich dataset comprised of information provided by the employees of MFIs working in Pakistan. The primary data were collected through the structural questionnaire, reliability and validity of construct were established in the light of different techniques including (1) Factor Loading (2) Cronbach’s Alpha (3) Composite Reliability (4) Average Variance Extracted (5) Variance Inflation Factor (6) Fornell-Larcker Criterion and (7) HTMT Ratio. Moreover, structural equation modeling techniques were applied in this study and, hypotheses were tested through bootstrapping by using PLS-SEM. Findings: The results confirm not the only direct impact of multiple borrowing on loan repayment performance and over-indebtedness but also mediating role of over-indebtedness between multiple borrowing and loan repayment performances. Aside from the direct influence of over-indebtedness on loan repayment performance, the moderate role of moral hazard on the association between over-indebtedness and loan payback was also found. Application of the Study: The findings of this study will be communicated with all Microfinance Institutions (MFIs) in the future so that policies may be developed to address the factors that negatively affect the loan repayment performance of Microfinance Institutions (MFIs). Besides this, the outcomes of this study will also enable the MFIs to launch different loaning products that not only fulfill the borrower’s requirements but also ensure the interest of MFIs. Originality/value: Until now, the impact of multiple borrowing on loan repayment performance through mediating role of over-indebtedness and moderating role of moral hazard in the context of Microfinance Institutions (MFIs) of Pakistan have hardly been investigated. This study also enhances the understanding of MFIs regarding multiple borrowing and its subsequent impact on loan repayment performance. Moreover, the findings of this study enable the MFIs of Pakistan to improve their loan repayment performance by formulating the new lending policies in light of the finding of this study with special reference to multiple borrowing.

The Role of Career Self-Efficacy on the Effect of Parental Career Behaviors on Career Exploration: A Study on School of Tourism and Hotel Management’ Students

2016 ◽  
Vol 3 (1) ◽  
pp. 143 ◽  
Author(s):  
Selahattin Kanten ◽  
Pelin Kanten ◽  
Murat Yeşiltaş
Keyword(s):  
Undergraduate Students ◽  
Self Efficacy ◽  
Structural Equation ◽  
Career Exploration ◽  
Equation Modeling ◽  
Survey Method ◽  
Hotel Management ◽  
Mediating Role ◽  
The Impact

This study aims to investigate the impact of parental career behaviors on undergraduate student’s career exploration and the mediating role of career self-efficacy. In the literature it is suggested that some social and individual factors facilitate students’ career exploration. Therefore, parental career behaviors and career self-efficacy is considered as predictors of student’s career exploration attitudes within the scope of the study. In this respect, data which are collected from 405 undergraduate students having an education on tourism and hotel management field by the survey method are analyzed by using the structural equation modeling. The results of the study indicate that parental career behaviors which are addressed support; interference and lack of engagement have a significant effect on student’s career exploration behaviors such as intended-systematic exploration, environment exploration and self-exploration. In addition, it has been found that one of the dimensions of parental career behaviors addressed as a lack of engagement has a significant effect on career self-efficacy levels of students. However, research results indicate that student’s career self-efficacy has a significant effect on only the self-exploration dimension. On the other hand, career self-efficacy has a partial mediating role between lack of engagement attitudes of parents and career exploration behaviors of students.

Toward a Smart Organization, Integrating KM Processes and Organizational Capabilities

2022 ◽  
Vol 14 (1) ◽  
pp. 0-0
Keyword(s):  
Structural Equation ◽  
Common Knowledge ◽  
Organizational Capabilities ◽  
Equation Modeling ◽  
Direct Impact ◽  
Suggested Model ◽  
Mediating Role ◽  
The Impact ◽  
Telecommunications Companies

It is common knowledge that organizations today face the challenges of growing competition. Therefore, organizations need to develop smarter to plan for several diverse and real-time challenges. The aim of this paper is to test the impact of knowledge management (KM) processes, organizational capabilities (OC), and mediating KM mechanisms and KM technologies toward a smart organization (SO). In this paper, structural equation modeling was applied by using Smart PLS 3.3.3 software to test hypotheses and the accuracy of the suggested model. The results showed a direct impact between all constructs and are a reflection of the SO of the employees (N=225) working in three Jordanian telecommunications companies. Additionally, the outcomes provision the partial mediating role of KM mechanisms and KM technology with OC in the SO. These outcomes can support leaders in generating a consciousness in addition to favorable OC, KM mechanisms, and KM technologies inside the organization, which enables the actual implementation of SO and uses the outcomes to plan their SO strategies.

Family support and entrepreneurial passion: The mediating role of entrepreneurs' psychological capital

2021 ◽  
Vol 49 (3) ◽  
pp. 1-15
Author(s):  
Jian-Li Gao ◽  
Dong-Sheng Li ◽  
Mary-Louise Conway
Keyword(s):  
Family Support ◽  
Structural Equation ◽  
Psychological Capital ◽  
Equation Modeling ◽  
Mediating Role ◽  
Entrepreneurial Passion ◽  
And Performance ◽  
The Impact ◽  
The Relationship

Entrepreneurial passion is seen as a valuable predictor of entrepreneurs' behavior and performance. We explored what makes entrepreneurs passionate by adopting a qualitative research method from a social support perspective. To test our hypotheses we conducted a survey with 287 young entrepreneurs in China. Using structural equation modeling we studied the impact of three types of support from the family on entrepreneurial passion. The results show that financial support and social capital support had a stronger influence on entrepreneurial passion than did emotional support. Further, psychological capital played a partial mediating role in the relationship between family support and entrepreneurial passion. This study enhances the integrity of previous research conclusions on entrepreneurial passion and, in particular, provides further insight into the development of nascent entrepreneurs and their new businesses.

The Effect of Big Data Analytic Capabilities Upon Bank Performance via FinTech Innovation

2021 ◽  
Vol 13 (4) ◽  
pp. 62-87
Author(s):  
Ahmed Al-Dmour ◽  
Rand H. Al-Dmour ◽  
Hani H. Al-Dmour ◽  
Eatadal Basheer Ahmadamin
Keyword(s):  
Big Data ◽  
United Arab Emirates ◽  
Structural Equation ◽  
Positive Influence ◽  
Equation Modeling ◽  
Bank Performance ◽  
Senior Managers ◽  
Mediating Role ◽  
The Impact

This study aims to examine and validate the impact of big data analytical capabilities (individual, organizational, and technological) on bank performance via the mediating role of Fintech innovation in commercial banks operating in the United Arab Emirates (UAE). Based on a literature review, resource-based theory, and financial innovation theory, an integrated conceptual framework was developed to guide the study. A quantitative survey approach was used, and the data was collected from 236 banks' senior managers (IT, financial, and marketers). Amos 21 structural equation modeling (SEM) was used to analyze and verify the study variables. The main findings revealed that big data analytical capabilities had a significant positive influence on bank performance. Fintech innovation acted as partial mediators in this relationship.

scholarly journals CSR and Customer Outcomes: The Mediating Role of Customer Engagement

2018 ◽  
Vol 10 (11) ◽  
pp. 4243 ◽  
Author(s):  
Moazzam Abbas ◽  
Yongqiang Gao ◽  
Sayyed Shah
Keyword(s):  
Structural Equation ◽  
Customer Engagement ◽  
Equation Modeling ◽  
Mediating Role ◽  
Customer Feedback ◽  
State Of Mind ◽  
Csr Image ◽  
The Impact ◽  
Customer Outcomes

Corporate social responsibility (CSR) image positively affects customer outcomes. Despite researchers’ interest in the investigation of company favoring outcomes still, there is a need to further examine the psychological mechanisms that generate these outcomes. Customer engagement (CE) is a state of mind that drives customer behavior. The role of CE has been fully ignored in CSR literature. We suggest that CSR engenders CE and examine the mediating role of CE between CSR and behavioral outcomes. A survey of 455 customers of banking services in Pakistan provided empirical evidence for hypothesis testing. Structural equation modeling was used to analyze the data. We find that CSR image induces CE that gives rise to behavioral responses i.e., customer loyalty, word-of-mouth (WOM) and customer feedback. This is the first study to examine the impact of CSR on customer feedback and to investigate the mediating role of CE.

Interpersonal antecedents to employee upward voice: mediating role of psychological safety

2018 ◽  
Vol 67 (9) ◽  
pp. 1510-1525 ◽  
Author(s):  
Sriji Edakkat Subhakaran ◽  
Lata Dyaram
Keyword(s):  
Structural Equation ◽  
Psychological Safety ◽  
Employee Voice ◽  
Equation Modeling ◽  
Voice Behavior ◽  
Content Type ◽  
Mediating Role ◽  
Manager Behavior ◽  
The Impact

Purpose Despite the increasing prominence of employee voice in organizational innovation and productivity, employees continue to struggle to influence matters that affect them at work. The purpose of this paper is to model work group context and manager behavior as the predictors of employee upward voice. Further, a mediating role of employee psychological safety is examined in this link. Design/methodology/approach With data from 575 employees representing various technology firms in India, the authors test the hypothesized relationships using covariance-based structural equation modeling. Findings Results indicate coworkers upward voice and manager pro-voice behavior to significantly impact employee upward voice with a mediating impact of psychological safety. This implies that perceived psychological safety plays a significant role in explaining the impact, coworkers and manager behavior would have on regulating employee upward voice. Originality/value This study contributes to the employee voice literature from an Indian context, where upward communication is culturally discouraged.

scholarly journals Improving Patient behavioral Consent through Different Service Quality Dimensions: Assessing the Mediating Role of Patient Satisfaction

2019 ◽  
Vol 16 (23) ◽  
pp. 4736 ◽  
Author(s):  
Arif Jameel ◽  
Muhammad Asif ◽  
Abid Hussain ◽  
Jinsoo Hwang ◽  
Mussawar Hussain Bukhari ◽  
...  
Keyword(s):  
Health Care ◽  
Patient Satisfaction ◽  
Service Quality ◽  
Structural Equation ◽  
Care Service ◽  
Health Care Service ◽  
Equation Modeling ◽  
Mediating Role ◽  
The Impact

This study aimed to examine the impact of the five-dimensional health care service quality (SQ) on patient behavioral consent (PBC). This study further explored the mediating role of patient satisfaction (PS) on the SQ–PBC relationship. A survey questionnaire was used to collect the data from public sector hospitals situated in Bahawalpur division, Punjab, Pakistan. We used confirmatory factor analysis (CFA) and structural equation modeling (SEM) to test the hypotheses. This study found positive and significant relationships between SQ and PBC, SQ and PS, and PS and PBC. Our results further revealed that PS partially mediates the relationship between SQ and PBC. Our study offers a comprehensive theoretical framework of several service quality attributes (SQs) affecting patient behavioral consent (PBC) and patient satisfaction (PS) in health care institutions. Testing these above relationships via a mediation approach is novel and contributed to the current study on service quality.

scholarly journals Impact of Perceived Severity of COVID-19 (SARS-COV-2) on Mental Health of University Students of Pakistan: The Mediating Role of Muslim Religiosity

2021 ◽  
Vol 12 ◽  
Author(s):  
Muhammad Saleem ◽  
Abou Bakar ◽  
Areeha Khan Durrani ◽  
Zubair Manzoor
Keyword(s):  
Mental Health ◽  
Structural Equation ◽  
Online Survey ◽  
Equation Modeling ◽  
Cross Sectional ◽  
Perceived Severity ◽  
Mediating Role ◽  
Muslim Religiosity ◽  
The Impact

Background: Perceived severity of COVID-19 (SARS-COV-2) is known to be associated with mental health of people in general and health professionals in particular in Western societies. However, its association with the mental health of students in Pakistan, which is predominantly a Muslim society, remains unclear so far. Moreover, the role of Muslim religiosity for such an association has not yet been investigated. We aimed to examine the association and report findings on the impact of perceived severity on mental health with a sample of students from all five provinces of Pakistan.Methods: We did a cross-sectional online survey from 1,525 Pakistani students in March 2020 using standardized measurement tools. We then determined the prevalence of perceived severity among students and its impact on their mental health. The strength of associations between these variables was estimated using generalized linear models, with appropriate distribution and link functions. Structural equation modeling through SmartPLS (3.0) software was utilized to analyze the results.Findings: The perceived severity of COVID-19 is significantly associated with mental health of Pakistani students, whereas Muslim religiosity is a strong mediator between perceived severity and mental health of Pakistani students.Conclusions: Though the perceived severity of COVID-19 is associated with mental health, this relationship can be better explained by the role of Muslim religiosity. When tested individually, the perceived severity accounted for only 18% variance in mental health that increased up to 57% by the mediating role of Muslim religiosity. This difference clearly indicates the mediating role of Muslim religiosity in the association between perceived severity and mental health for Pakistani students.

scholarly journals The Effect of Work Plateau on Intention to Remain: Mediating Role of Organizational Commitment

2019 ◽  
Vol 8 (5S3) ◽  
pp. 302-311
Keyword(s):  
Organizational Commitment ◽  
Structural Equation ◽  
Equation Model ◽  
Equation Modeling ◽  
Statistical Population ◽  
Mediating Role ◽  
Career Plateauing ◽  
Mediator Role ◽  
The Impact

In the present study, the the impact of work plateau on intention to remain at work with the mediating role of organizational commitment has been studied. The statistical population of this research is all employees of Ferdowsi University of Mashhad. The research method is descriptive-survey. According to statistics of personnel management office, the number of employees is 1100 in 2017. In order to determine the sample size, due to the limited population, Morgan table was used and 285 people were selected from population through random sampling. In order to collect the data, Alan and Meyer (1990) questionnaire was used to assess organizational commitment, a researcher-made questionnaire was used to investigate the intention to remain at job and Miliaman's questionnaire (1992) was used to investigate career plateauing. The validity of these three questionnaires has been confirmed by experts. Reliability of the questionnaire is confirmed by Cronbach’s alpha coefficient of 86%, 91% and 84%, respectively. The statistical methods used in this research to test the hypotheses are T value and structural equation modeling. Structural equation model in this study was determined using Liserl software, according to which the content plateau and structural plateau, considering the mediator role of organizational commitment, has a negative and significant impact on employees' intention to remain at work.

scholarly journals THE MEDIATING ROLE OF ACCREDITATION DETAILS ON SELECTION OF BUSINESS SCHOOLS BASED ON INFORMATION FROM ONLINE RESOURCES.

2021 ◽  
pp. 1-5
Author(s):  
Asha Mathew ◽  
J. MeenaKumari
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Business Schools ◽  
Online Resources ◽  
Primary Data ◽  
Equation Modeling ◽  
Mediating Role ◽  
Survey Instruments ◽  
Selection Of

This study adopted a descriptive research design. Primary data collection was conducted through online survey instruments amongst 300 business school aspirants in India. The researcher adopted percentage analysis and a structural equation modeling approach for the analysis of data. The purpose of this study is to explore the mediating role of accreditation status and the selection of business schools based on the information from online resources.The findings of the study confirmed that the accreditation details act as a mediating variable between online resources and the selection of business schools. The significance of all the paths confirms the partial mediation of accreditation details on a selection of business schools. It is noted that those online resources have a significant direct effect on the selection of business schools.There exists a significant positive indirect effect of accreditation details on the online resources as well.This study will add to the existing literature on the aspects influencing millennials in their selection of business schools.This study will contribute to understanding the influence of online resources and the role of accreditation and rankings in students' selection of educational institutions.

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