scholarly journals Do Customers Adopt Auto Ijarah Financing? The Case of Pakistan

2021 ◽  
Author(s):  
Syed Ali Raza ◽  
Bushra Umer ◽  
Muhammad Ali ◽  
Muhammad Ashfaq
Keyword(s):  
Structural Equation ◽  
Religious Orientation ◽  
Structural Model ◽  
Reasoned Action ◽  
Service Providers ◽  
Islamic Banking ◽  
Comprehensive Understanding ◽  
Factors Affecting ◽  
Equation Modelling ◽  
Potential Customers

The present study examines the factors affecting customer intention to use auto financing (ijarah) in Pakistan. The research framework is constructed based on the theory of reasoned action, which explains behavioural intention and its determinants. The study incorporates the participation of 350 potential customers of auto ijarah in Pakistan. Data analysis was conducted with structural equation modelling (SEM), assessing the measurement, and structural model. The outcome indicates that attitude, perceived cost benefits, Sharia compliance, religious orientation, and subjective norm are the significant predictors of customer intentions. We also found a statistically insignificant association between awareness and customer intentions. The results hold significance for the Islamic banking and financial service providers. This study provides a comprehensive understanding of the factors that contribute to the adoption of auto ijarah among potential Islamic bank customers.

An Integrated Model of Customer Experience, Perceived Value, Satisfaction, and Loyalty in Electronic Stores

2016 ◽  
Vol 12 (4) ◽  
pp. 31-46 ◽  
Author(s):  
Pouyan Khodadadi ◽  
Farshid Abdi ◽  
Kaveh Khalili-Damghani
Keyword(s):  
Structural Equation ◽  
Structural Model ◽  
Perceived Value ◽  
Perceived Usefulness ◽  
Online Purchases ◽  
Equation Modelling ◽  
Information Credibility ◽  
Using Data ◽  
The Relationship ◽  
Potential Customers

The main problem of electronic-stores is to resolve the obstacles of visitors as potential customers. In this paper the relationship between the experience of online customers, perceived value, satisfaction, and the loyalty is investigated. The main hypotheses of this study are analyzed using Structural Equation Modelling (SEM) methodology. The study is conducted in the biggest electronic-store in Iran. The structural model, is developed on the basis of four main hypotheses as follows: H1) Customer purchasing experience has impact on perceived value; H2) Perceived value of customers has impact on satisfaction; H3) Customer satisfaction has an impact on loyalty; H4) Customer purchasing experience has an impact on loyalty. The reliability of questions is checked using opinion of a group of experts who have at least 15 years of related experiences. The hypotheses are tested using data extracted from 396 questionnaires through AMOS software. Results show that customer's experience is influenced by trust, interaction, perceived usefulness, action, information credibility, and relating. Also, the customers' experience in online purchases does not directly influence their loyalty, since experience is a mental concept which has to pass the sequence of “Experience-Perceived Value-Satisfaction-Loyalty” in order to be converted to a behavioral concept.

scholarly journals Critical predictors of burnout among civil engineers at construction sites: a structural equation modelling

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Gulden Gumusburun Ayalp
Keyword(s):  
Structural Equation Modelling ◽  
Structural Equation ◽  
Structural Model ◽  
Extensive Literature ◽  
Construction Sites ◽  
Content Type ◽  
Factors Affecting ◽  
Equation Modelling ◽  
The Impact ◽  
Civil Engineers

PurposeThe construction industry has always been regarded as a stressful and task-driven industry with high levels of work pressure. When the stressful situations are prolonged, job burnout becomes unavoidable for construction professionals. The purpose of the present paper is to investigate the critical predictors of burnout among civil engineers at construction sites in Turkey and identify the impact of those determined burnout predictors on various burnout dimensions.Design/methodology/approachThe possible causes of burnout for civil engineers at construction sites were determined using an extensive literature review and were further studied using a questionnaire. The obtained data were analysed statistically using SPSS 22 and LISREL 8.7 software. Correlation analysis, exploratory and confirmatory analysis, and structural equation modelling were performed on this collected data, and a structural model was developed.FindingsThree critical factors affecting burnout levels of civil engineers in construction sites were determined; among them “organisational injustice” and “competitive pricing and lack of contract management” were identified as the critical predictors of burnout in the emotional-exhaustion and cynicism dimensions. Based on these predictors, potential solutions and recommendations are proposed that are anticipated to decrease the burnout among civil engineers at construction sites.Originality/valueAlthough there are several works of research regarding the burnout among construction professionals, there is limited research that has provided insight into the specific factors causing burnout among civil engineers. This research presents a structural model of the predictors obtained by a confirmatory factor analysis for decreasing the burnout level of civil engineers at construction sites. The current study represents the first comprehensive quantitative determination of the factors and predictors of burnout among civil engineers at construction sites in Turkey.

Self-disclosure of social media users in Indonesia: the influence of personal and social media factors

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mona Natasha Siahaan ◽  
Putu Wuri Handayani ◽  
Fatimah Azzahro
Keyword(s):  
Social Media ◽  
Structural Equation ◽  
Service Providers ◽  
Age Groups ◽  
Emotional Needs ◽  
Self Disclosure ◽  
Content Type ◽  
Social And Emotional ◽  
Equation Modelling ◽  
Group Data

PurposeIn the context of social media (SM) use, self-disclosure (SD) behaviour meets users' social and emotional needs, but it is also accompanied by risks that can harm users. This paper aims to identify the factors that influence users' SD behaviour on SM in Indonesia, using a comparative analysis based on age groups.Design/methodology/approachA survey was conducted on 2,210 respondents who were active SM users in Indonesia. Data were processed and analysed using covariance-based structural equation modelling with AMOS 24.0 software.FindingsResults indicate that, in the overall age group data, factors such as use of information (UI), trust, privacy control (PC), interactivity, perceived benefits (PB) and perceived risks (PR) influence users' SD behaviour. This research also found differences in the characteristics of SD behaviour between age groups.Originality/valueFindings from this study can help SM service providers to evaluate the credibility and reliability of their platforms to encourage user retention.

Consumer behaviour towards willingness to pay for Halal products

2019 ◽  
Vol 121 (2) ◽  
pp. 492-504 ◽  
Author(s):  
Waqar Ahmed ◽  
Arsalan Najmi ◽  
Hafiz Muhammad Faizan ◽  
Shaharyar Ahmed
Keyword(s):  
Willingness To Pay ◽  
Structural Equation ◽  
Quantitative Research ◽  
Reasoned Action ◽  
Raw Material ◽  
Equation Modeling ◽  
Muslim Country ◽  
Policy Makers ◽  
Content Type ◽  
Factors Affecting

PurposeThe purpose of this paper is to empirically analyze the factors affecting Muslim consumers’ willingness to pay (WTP) for Halal food, products and operations by employing theory of reasoned action.Design/methodology/approachThis study has used quantitative research methodology and collected data from 350 questionnaires from a densely populated city of Pakistan. Partial least squares-structural equation modeling was used to analyze the data.FindingsThe results show that the concerns about Halal, religiosity, perception of usefulness of Halal and product ingredients have a significant impact on WTP for Halal foods, while attitude has an insignificant impact on WTP. Moreover, the extent of demand for Halal certification is significantly affected by WTP.Originality/valueThe study highlighted the concerns of the Muslim consumers with respect to Halalness of the products and operations despite living in a Muslim country. It is recommended that the policy makers, food authorities and health institutions should conduct regular inspections of foods, products and producers’/manufacturers’ operations to ensure that all the procedures from manufacturing of the raw material till the finished goods follow Islamic principles to make them completely Halal.

scholarly journals FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?

2020 ◽  
Vol 6 (4) ◽  
pp. 153 ◽  
Author(s):  
Mohammad K. Al nawayseh
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Service Providers ◽  
Equation Modeling ◽  
Intention To Use ◽  
Factors Affecting ◽  
Modeling Techniques ◽  
Customer Trust ◽  
The Relationship

Accessing financial services is considered one of the main challenges facing communities during crises. This research studies the role of using FinTech applications to build resilience during the COVID-19 pandemic. The research empirically examines the factors affecting Jordanian citizens’ intention to use FinTech applications. The sample of the research comprised 500 potential FinTech service users in Jordan. Based on the research conceptual model, five hypotheses were developed and tested using structural equation modeling techniques (SEM-PLS). The research results indicate that perceived benefits and social norms significantly affect the intention to use FinTech applications. However, it has been found that perceived technology risks do not significantly affect the intention to use FinTech applications. Moreover, the results also indicate that customer trust is significantly mediating the relationship between perceived risks and intention to use FinTech applications. FinTech service providers should insure that their products are easy to use, fulfill needs and protect consumers’ data in order to ensure trust, hence positively influencing consumer adoption.

Understanding continuance usage intention of mHealth in a developing country

2020 ◽  
Vol 14 (2) ◽  
pp. 251-272 ◽  
Author(s):  
Md Abdul Kaium ◽  
Yukun Bao ◽  
Mohammad Zahedul Alam ◽  
Md. Rakibul Hoque
Keyword(s):  
Structural Equation ◽  
Information Quality ◽  
Service Providers ◽  
Least Squares Method ◽  
System Quality ◽  
Content Type ◽  
Factors Affecting ◽  
Continuance Usage ◽  
The Government ◽  
Continuance Usage Intention

Purpose This study aims to understand the factors affecting the continuance usage intention (CUI) of mHealth among the rural elderly. Design/methodology/approach An integrated model was proposed with the constructs derived from multiple models such as the unified theory of acceptance and use of technology, information system success model and expectation confirmation model. Data were collected from 400 participants who had prior experiences with mHealth services in Bangladesh. The research model was tested using the partial least squares method based upon structural equation modelling. Findings The findings indicated that system quality, performance expectancy, facilitating conditions and social influence were significant to the degree of confirmation and ultimately affect satisfaction and CUI. Surprisingly, service quality and information quality were insignificant. Research limitations/implications This study has added in the field of knowledge by contributing some new thoughts and interpretations of continuance usage modelling for mHealth services. The findings may become beneficial for the government agencies, policymakers, mHealth systems developers and service providers. Originality/value As limited research was found on CUI of mHealth in the integrated view of rural elderly’s value, this research contributes to the extant literature by categorizing key factors that might support to proliferate the continuance usage of this service. Moreover, the contextualization of the related variables and integration of the existing model is theoretically original. Furthermore, because of a generic approach, the findings could be easily modified to assist other developing countries in the planning and up-take of mHealth.

Factors affecting customers’ attitude towards Islamic banking in UAE

2019 ◽  
Vol 14 (4) ◽  
pp. 668-688 ◽  
Author(s):  
Abdulkader Kaakeh ◽  
M. Kabir Hassan ◽  
Stefan F. Van Hemmen Almazor
Keyword(s):  
Structural Equation ◽  
Islamic Banking ◽  
Content Type ◽  
Factors Affecting ◽  
Customer Base ◽  
Mediating Role ◽  
Practical Implications ◽  
Insight Into ◽  
Attitude Model

Purpose The purpose of this paper is to investigate the effects of the following factors: image, awareness, Shariah compliance and individualism, on the attitude and intention of customers to use Islamic banking among Bank customers in UAE, and the mediating role of attitude in that model, using a theoretical model based on the multi-attribute attitude model, the theory of reasoned actions and the theory of planned behaviour. Design/methodology/approach The research will focus on surveying bank customers living in UAE. The researcher will use structural equation modelling to analyse the data. Findings Results show that attitude and awareness affect intention directly, while image, awareness, Shariah compliance and individualism affect attitude directly and intention indirectly mediated by attitude. Research limitations/implications The sample size includes 178 bank customers living in three cities in UAE, hence, the rest of the country is not included. Practical implications The research shows the importance of Shariah compliance, individualism and image on attitude and intention and provides suggestions for banks to benefit from these aspects to widen their customer base. Social implications The study provides an insight into individuals’ decision making and the importance of a social approach by banks when advertising. Originality/value The research is the first empirical attempt to test new factors affecting attitude towards Islamic banking in UAE.

Exploring Tourists’ Behavioural Intentions Towards Use of Select Mobile Wallets for Digital Payments

Paradigm ◽  
2020 ◽  
Vol 24 (2) ◽  
pp. 177-194
Author(s):  
Arif Hasan ◽  
S. K. Gupta
Keyword(s):  
Structural Equation ◽  
Service Providers ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Affecting Factors ◽  
Behavioural Intentions ◽  
Equation Modelling ◽  
Usage Patterns ◽  
Different Dimensions ◽  
Digital Payments

The present study goal is to identify assorted factors and also to investigate their influence on tourists’ behavioural intentions about their usage patterns with respect to M-wallet payment. A conceptual model has been anticipated and authenticated and 600 questionnaires were distributed and 482 were usable. Structural equation modelling was employed to assess research hypotheses. The result shows that the behavioural intention is significantly influenced by perceived value, trust, compatibility and social influence while tourists’ is less optimistic when it comes to use M-wallet with regard to perceived enjoyment. The study also showed that trust followed by compatibility has a more powerful influence on the behavioural intention of tourists in the context of M-payment. The present study is limited to only six M-wallet and that too limited to the certain age category, namely 18–25 in Gwalior city of India. Understanding the different dimensions of behavioural intentions can help M-wallet players to win the trust of tourists and enhance the frequency to use M-wallet for M-payment. The results indicate that M-wallet service providers should consider and manage all affecting factors proactively as mechanisms for intention to use M-wallet. It will establish a behavioural intention model of M-wallet users that can help organizations to manage the formation of behavioural intentions of their users.

scholarly journals Modelling public behavioral intention to adopt Islamic banking in Uganda

2016 ◽  
Vol 9 (4) ◽  
pp. 583-600 ◽  
Author(s):  
Sulaiman Lujja ◽  
Mustafa Omar Mohammad ◽  
Rusni Hassan
Keyword(s):  
Structural Equation ◽  
Structural Model ◽  
Measurement Model ◽  
Developed Countries ◽  
Subjective Norm ◽  
Islamic Banking ◽  
Least Developed Countries ◽  
Financial Flows ◽  
Content Type ◽  
Intention To Adopt

Purpose Islamic banking (IB) has resulted in abundant cross-border financial flows and diversified economic inter-linkages with over US$2tn in assets that have extended beyond Muslim countries to more established global financial centres and other emerging economies. Despite this remarkable diffusion, numerous developing and least-developed countries are yet to embrace IB. This study aims to examine the factors that determine public intention to adopt IB in Uganda. Design/methodology/approach This study undertook a quantitative approach where the theory of reasoned action (TRA) was used as a theoretical framework and structural equation modelling technique was applied to determine the relationship between attitude, subjective norm and public intention to adopt IB. Thus, a sample of 300 bank customers was surveyed using a questionnaire. Findings Initially, the measurement model did not fit the data well. So, the model was modified by removing an indicator with a lower loading. Finally, the structural model under maximum likelihood estimate analysis confirmed a good model fit for the data. Key findings were as follows: attitude positively influenced intention to adopt IB, whereas subjective norm influence to intention is mediated by attitude. Furthermore, public intention to adopt IB in Uganda can be predicted by attitude (R2 = 0.89) which also mediates the prediction of subjective norm to intention (R2 = 0.58). Originality/value To the best of the authors’ knowledge, no study has used the TRA on the feasibility and adoption of IB. Thus, the present study is relevant in extending the theoretical body of knowledge by validating the TRA in a new field.

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