ACCEPTANCE OF ISLAMIC EQUITY-BASED MORTGAGE PRODUCT: AN EXTENSION OF DECOMPOSED THEORY OF PLANNED BEHAVIOUR

2020 ◽  
Vol 6 (2) ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Kamaruzaman Noordin
Keyword(s):  
Structural Equation Modelling ◽  
Structural Equation ◽  
Theory Of Planned Behaviour ◽  
Predictive Power ◽  
Subjective Norm ◽  
Relative Advantage ◽  
Planned Behaviour ◽  
Equation Modelling ◽  
Multi Stage ◽  
Significant Factors

This study examine the determinants that may predict the consumer’s intention to accept equity-based product, which is mushārakah mutanāqisah (MM) Islamic mortgage. Survey was conducted using multi-stage and purposive sampling. For the purpose of analysis structural equation modelling technique was used in current research. Moreover, 306 responses were gathered from users of MM Islamic mortgage. The theoretical framework of the current study was drawn upon the decomposed theory of planned behaviour (DTPB) because of its predictive power and robustness to base a model. The findings of the study revealed that behavioural intention appeared to have been directly and indirectly influenced by all constructs and above all most significant factors are Peers and perceived behaviour control. All the main beliefs, namely, attitude, subjective norm, perceived behaviour control, which are predicted by compatibility, relative advantage, peers and self-efficacy affects consumers’ intention to accept mushārakah mutanāqisah, MM home financing. The effect of pricing variable on intention was significant as well. Pricing variable is yet to be tested therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

scholarly journals The Impact of Asnaf Entrepreneur’s Intention Towards Decision and the Movement of Zakat Collection

2020 ◽  
Vol 11 (6) ◽  
pp. 284
Author(s):  
Noormariana Mohd Din ◽  
Mohd Zulkifli Muhammad ◽  
Mohammad Ismail ◽  
Nadzirah Mohd Said
Keyword(s):  
Structural Equation Modelling ◽  
Structural Equation ◽  
Theory Of Planned Behaviour ◽  
Statistical Technique ◽  
Study Data ◽  
Subjective Norms ◽  
Planned Behaviour ◽  
Equation Modelling ◽  
The Impact ◽  
Survey Questionnaires

Decision is an issue that needs to be explored in detail due to its relationship to an individual’s psychology. In the context of zakat that also acts as microfinancing (non-refundable fund), decision plays an important role in terms of collection and distribution. However, previous literature about zakat has not clarified this phenomenon especially in the context of Asnaf entrepreneurs. Asnaf entrepreneurs represent micro entrepreneurs who depend on zakat funds. Then, by benefiting the funds and getting support from the zakat institutions, Asnaf entrepreneurs become less dependent on the support and become zakat payers. Therefore, grounded by Theory of Planned Behaviour (TPB) framework, the purpose of this paper is to investigate the impact of Asnaf Intention’s towards decision as the zakat payers. A total of 274 Asnaf entrepreneurs from Kelantan and Selangor had participated in this study. Data were collected through self-administered survey questionnaires. The main statistical technique used in this study is Structural Equation Modelling (SEM) by using Analysis of Moment Structure (AMOS) version 23. The study has shown that subjective norms are found to be most dominant predictor towards decision closely followed by attitude, and perceived behavioural control. The above findings have added several implications towards theory, both practical and managerial. In general, the findings of the study are consistent with the theory of planned behaviour. Moreover, Asnaf entrepreneur’s intention gives the better impact towards decision and zakat collection.

scholarly journals Developing and Validating a Behavioural Model of Cyberinsurance Adoption

2021 ◽  
Vol 13 (17) ◽  
pp. 9528
Author(s):  
Dawn Branley-Bell ◽  
Yolanda Gómez ◽  
Lynne Coventry ◽  
José Vila ◽  
Pam Briggs
Keyword(s):  
Structural Equation Modelling ◽  
Structural Equation ◽  
Theory Of Planned Behaviour ◽  
Risk Propensity ◽  
Planned Behaviour ◽  
Final Model ◽  
Response Efficacy ◽  
Equation Modelling ◽  
Online Behaviour ◽  
Insurance Decisions

Business disruption from cyberattacks is a growing concern, yet cyberinsurance uptake remains low. Using an online behavioural economics experiment with 4800 participants across four EU countries, this study tests a predictive model of cyberinsurance adoption, incorporating elements of Protection Motivation Theory (PMT) and the Theory of Planned Behaviour (TPB) as well as factors in relation to risk propensity and price. During the experiment, participants were given the opportunity to purchase different cybersecurity measures and cyberinsurance products before performing an online task. Participants likelihood of suffering a cyberattack was dependent upon their adoption of cybersecurity measures and their behaviour during the online task. The consequences of any attack were dependent upon the participants insurance decisions. Structural equation modelling was applied and the model was further developed to include elements of the wider security ecosystem. The final model shows that all TPB factors, and response efficacy from the PMT, positively predicted adoption of premium cyberinsurance. Interestingly, adoption of cybersecurity measures was associated with safer behaviour online, contrary to concerns of “moral hazard”. The findings highlight the need to consider the larger cybersecurity ecosystem when designing interventions to increase adoption of cyberinsurance and/or promote more secure online behaviour.

Extending the theory of planned behaviour to explore the plastic waste minimisation intention of Hong Kong citizens

2021 ◽  
pp. 1-19
Author(s):  
Winnie Wing Mui So ◽  
Irene Nga Yee Cheng ◽  
Lewis Ting On Cheung ◽  
Yu Chen ◽  
Stephen Cheuk Fai Chow ◽  
...  
Keyword(s):  
Hong Kong ◽  
Structural Equation ◽  
Theory Of Planned Behaviour ◽  
Plastic Waste ◽  
Situational Factors ◽  
Planned Behaviour ◽  
Equation Modelling ◽  
Waste Minimisation ◽  
Permanent Residents ◽  
Positive Effect

Abstract This study aimed to explore the relationships between situational and psychological factors and Hong Kong citizens’ plastic waste management (PWM) intentions based on an extended theory of planned behaviour model with situational factors. A total of 996 Hong Kong permanent residents were surveyed, and data were analysed using structural equation modelling. The results revealed that situational factors had a direct and positive effect on PWM intention, but also affected PWM intention indirectly through their significant effects on attitude and perceived behavioural control regarding PWM. The implications for environmental education and policy are discussed.

scholarly journals What factors influence older people’s intention to enrol in nursing homes? A cross-sectional observational study in Shanghai, China

BMJ Open ◽  
2018 ◽  
Vol 8 (9) ◽  
pp. e021741 ◽  
Author(s):  
Mengyun Luo ◽  
Yajiong Xue ◽  
Shunxing Zhang ◽  
Yuanyuan Dong ◽  
Dandan Mo ◽  
...  
Keyword(s):  
Nursing Homes ◽  
Observational Study ◽  
Rural Areas ◽  
Structural Equation Modelling ◽  
Structural Equation ◽  
Value Added ◽  
Subjective Norm ◽  
Cross Sectional ◽  
Term Care ◽  
Equation Modelling

ObjectivesGiven the increasing need of long-term care and the low occupancy rate of nursing homes in Shanghai, this study attempts to explore what factors influence older people’s intention to enrol in nursing homes.DesignA cross-sectional observational study based on the theory of reasoned action was conducted. Survey data were collected from subjects during face-to-face interviews. Structural equation modelling was employed for data analysis.SettingThis study was conducted in six community health service centres in Shanghai, China. Two service centres were selected in urban, suburban and rural areas, respectively.ParticipantsA total of 641 Shanghai residents aged over 60 were surveyed.ResultsStructural equation modelling analysis showed that the research model fits the data well (χ2/df=2.948, Comparative Fit Index=0.972 and root mean squared error of approximation =0.055). Attitude (β=0.41, p<0.01), subjective norm (β=0.28, p<0.01) and value-added service (β=0.16, p<0.01) were directly associated with enrolment intention, explaining 32% of variance in intention. Attitude was significantly influenced by loneliness (β=−0.08, p<0.05), self-efficacy (β=0.32, p<0.01) and stigma (β=−0.24, p<0.01), while subjective norm was significantly influenced by life satisfaction (β=−0.15, p<0.01) and stigma (β=−0.43, p<0.01).ConclusionsThis study advances knowledge regarding the influencing factors of older people’s intention to enrol in nursing homes. It suggests that Chinese older persons’ perceived stigma has the strongest indirect effect on their intention to enrol in nursing homes. This is unique to the Chinese context and has practical implications for eldercare in China and other Asian countries with similar sociocultural contexts.

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