scholarly journals THE MEDIATING ROLE OF SOCIAL CAPITAL IN THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND FINANCIAL INCLUSION

2021 ◽  
Vol 19 (4) ◽  
pp. 782-790
Author(s):  
Moh. Agung Setiawan ◽  
◽  
Ubud Salim ◽  
Nur Khusniyah ◽  
◽  
...  
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Predictor Variable ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Mediating Role ◽  
The People ◽  
The Relationship

The purpose of this study is to examine the mediating role of social capital in the relationship between financial literacy and financial inclusion in the Malang Raya region. The unit of analysis used in this study is the people in Malang City, Malang Regency, and Batu City. The sampling technique used was proportionate stratified random sampling. Data analysis in this study used Partial Least Square (PLS). The results of this study indicate that financial literacy has a significant effect on financial inclusion. Financial literacy has a significant effect on social capital, social capital significantly affects financial inclusion, and social capital mediates the relationship between financial literacy and financial inclusion. This result shows that social capital has a partial mediating role, meaning that the effect on financial inclusion goes through the main predictor variable, financial literacy and social capital. Therefore, the local government can take advantage of policies related to social capital to impact efforts to improve financial inclusion in the community and regional economic conditions. This study also explained that, in general, the people in the Malang Raya region had good financial literacy. Future studies should use qualitative exploration by conducting interviews with respondents to explain other phenomena, especially for people geographically unbankable.

Social capital: mediator of financial literacy and financial inclusion in rural Uganda

2016 ◽  
Vol 26 (2) ◽  
pp. 291-312 ◽  
Author(s):  
George Okello Candiya Bongomin ◽  
Joseph Mpeera Ntayi ◽  
John C. Munene ◽  
Isaac Nkote Nabeta
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Financial Inclusion ◽  
Research Approach ◽  
Rural Poor ◽  
Content Type ◽  
Mediating Role ◽  
Poor Households ◽  
The Relationship

Purpose The purpose of this paper is to examine the mediating role of social capital in financial literacy and financial inclusion relationship in rural Uganda. The major aim is to establish the role of social capital in the relationship between financial literacy and financial inclusion. Design/methodology/approach The paper adopts and uses MedGraph programme (Excel version 3.0), Sobel and Kenny and Baron tests to test the mediation effect of social capital in the relationship between financial literacy and financial inclusion. Findings The results reveals that social capital is a significant mediator in the relationship between financial literacy and financial inclusion of rural poor in Uganda. Financial literacy did not have a direct effect on financial inclusion, but through full mediation of social capital. Existence of social capital into the relationship boosts the relationship between financial literacy and financial inclusion by 61.6 per cent among rural poor households in Uganda. Thus, the finding suggests that with the absence of social capital, financial literacy may fail to enhance the level of financial inclusion among rural poor households in Uganda. Research limitations/implications This study adopted only single research approach using a questionnaire. However, future research through interview may be of importance. Besides, for the purpose of triangulation, a study involving financial institutions’ staff may be viable. Moreover this study was limited by the fact that it was cross-sectional. Furthermore, a longitudinal study may be useful in future to investigate the mediating impact of social capital spanning over a long period of time. Practical implications Managers, policymakers and financial inclusion practitioners should advocate and embark on building social capital among rural communities, so as to improve on the level of financial inclusion. Originality/value While a large body of research has been carried out on financial literacy, this paper is the first to test the mediating role of social capital in the relationship between financial literacy and financial inclusion, especially in rural Uganda. This study generates evidence and contributes to the powerful influence of social capital in enhancing the level of financial inclusion based on financial literacy.

scholarly journals ENABLING ORGANIZATIONAL CHANGE – LEADERSHIP, COMMITMENT TO CHANGE AND THE MEDIATING ROLE OF CHANGE READINESS

2013 ◽  
Vol 14 (2) ◽  
pp. 348-363 ◽  
Author(s):  
Sinnappan Santhidran ◽  
V. G. R. Chandran ◽  
Junbo Borromeo
Keyword(s):  
Change Readiness ◽  
Change Leadership ◽  
Partial Least Square ◽  
Least Square ◽  
Asian Countries ◽  
Leadership Change ◽  
Commitment To Change ◽  
Mediating Role ◽  
The Relationship

There has been little empirical analysis on the complex relationship between leadership, change readiness and commitment to change in the context of Asian countries. In this paper, we propose a research model to analyze the interrelationship between leadership, change readiness and commitment to change using the partial least square technique. Results of the study suggest that leadership positively and significantly affect change readiness but not commitment to change. Consequently, change readiness is found to significantly affect commitment to change. In other words, change readiness is found to mediate the relationship between transformational leadership and commitment to change. This may suggest that the influence of leadership is a sequential process affecting change readiness, and in turn, the commitment to change as opposed to the conventional belief that it affects both change readiness and commitment to change simultaneously. The implication of the study is further discussed.

Exploring the mediating role of social capital in the relationship between financial intermediation and financial inclusion in rural Uganda

2018 ◽  
Vol 45 (5) ◽  
pp. 829-847 ◽  
Author(s):  
George Okello Candiya Bongomin ◽  
John C. Munene ◽  
Joseph Mpeera Ntayi ◽  
Charles Akol Malinga
Keyword(s):  
Social Capital ◽  
Research Design ◽  
Financial Intermediation ◽  
Financial Inclusion ◽  
Cross Sectional ◽  
Content Type ◽  
Mediating Role ◽  
The Poor ◽  
The Relationship

Purpose The purpose of this paper is to establish the mediating role of social capital in the relationship between financial intermediation and financial inclusion in rural Uganda. Design/methodology/approach The current study used cross-sectional research design and a semi-structured questionnaire was used to collect data for this study. The study applied structural equation modeling through bootstrap approach in AMOS to establish the mediating role of social capital in the relationship between financial intermediation and financial inclusion. Findings The results indicated that social capital significantly mediates the relationship between financial intermediation and financial inclusion in rural Uganda. Therefore, it can be deduced that social capital among the poor play an important role in promoting financial intermediation for improved financial inclusion in rural Uganda. Research limitations/implications Although the sample was large, it may not be generalized to other segments of the population. Data were collected from only poor households located in rural Uganda. Besides, the study was cross-sectional, thus, limiting efforts in investigating certain characteristics of the sample over time. Perhaps future studies could adopt the use of longitudinal research design. Practical implications Financial institutions such as banks should rely on social capital as a substitute for physical collateral in order to promote financial inclusion, especially among the poor in rural Uganda. Originality/value This study provides empirical evidence on phenomenon not studied in rural areas in Sub-Saharan Africa where the poor use social capital embedded in customs and norms for doing business. The results highlight the importance of social capital in mediating the relationship between financial intermediation and financial inclusion of the poor in rural Uganda.

scholarly journals Peran Modal Sosial Sebagai Mediator Literasi Keuangan dan Inklusi Keuangan Pada Kaum Muda di Indonesia (Studi Kasus pada Komunitas Investor Saham Pemula)

2017 ◽  
Vol 10 (3) ◽  
pp. 243
Author(s):  
Rachmat Simbara Saputra ◽  
Andrieta Shintia Dewi
Keyword(s):  
Social Capital ◽  
Sample Size ◽  
Direct Effect ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Probability Sampling ◽  
Younger Generation ◽  
The Relationship

Currently the level of financial literacy and financial inclusion in Indonesian people, especially the younger generation, is still considered very low. Therefore, the role of social capital for improving financial literacy and financial inclusion in society need special attention. Social capital is expected to become a mediator for improving financial literacy and financial inclusion. This study aims to decide the role of social capital as a mediator of the relationship between financial literacy and financial inclusion. In addition, this study also examined the direct effect of financial literacy on financial inclusion. The population of this study were all members of the Investor Saham Pemula Community a number of 320 members. Making sample of this research using non-probability sampling technique with a sample size of 180 samples. This study adopts and uses Sobel and Kenny and Baron test to test the effect of mediation of social capital in the relationship between financial literacy and financial inclusion. The finding in this study is a proven social capital mediates the relationship between financial literacy and financial inclusion and there are no direct effect between financial literacy and financial inclusion. 

PERAN MODAL SOSIAL SEBAGAI MEDIATOR LITERASI KEUANGAN DAN INKLUSI KEUANGAN PADA USIA PRODUKTIF DI KABUPATEN GUNUNGKIDUL

2020 ◽  
Vol 15 (1) ◽  
pp. 27
Author(s):  
Elizabeth Fiesta Clara SB ◽  
Astrie Krisnawati
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Poverty Alleviation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
The Other ◽  
Probability Sampling ◽  
The Relationship ◽  
Determinant Factor

ABSTRACT Financial inclusion is proven to decrease poverty and social gap if it is done maximally. Gunungkidul regency as one of all regency with the poorest population in Daerah Istimewa Yogyakarta. The determinant factor in successful financial inclusion is financial literacy toward the population themselves. Furthermore, the other factor to accelerate poverty alleviation is the role of the productive population.This research aims to discover the role of social capital as the financial literacy and financial inclusion mediator of Gunungkidul’s Regency productive population. With social capital is expected to be a mediator in improving literacy and inclusion finance.The population in this research is 729.364 productive ages of Gunungkidul’s Regency population and the sample was taken by non-probability sampling technique which produced 424 samples. This study adopted Sobel test also Kenny and Baron method to examine the effect of mediaton of social capital in the relationship between financial literasion and financial inclusion. The result of this study found that social capital proved to partially mediate the association beteen financial literacy and financial inclusion of productivity age in Gunungkidul Regency. Keywords: Poverty, Financial Literacy, Financial Inclusion, Social Capital, Partially Mediation, Gunungkidul Regency. ABSTRAK Gunungkidul termasuk Kabupaten dengan jumlah warga miskin Yogyakarta. Inklusi keuangan dipercaya dapat menurukan kemiskinan apabila dilakukan secara maksmial serta dapat mengurangi kesenjangan sosial. Salah satu faktor penentu keberhasilan inklusi keuangan adalah adanya literasi keuangan pada masyarakat itu sendiri, faktor lain yang dapat mempercepat pengentasan kemiskinan adalah peran masyarakat produktif. Penelitian ini bertujuan untuk mengetahui peran modal sosial sebagai mediator literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul yang diharapkan dapat meningkatkan literasi keuangan dan inklusi keuangan itu sendiri. Populasi penelitian ini adalah masyarakat Kabupaten Gunungkidul berusia produktif sebesar 729.364 jiwa. Pengambilan sampel dengan teknik non-probability sampling menghasilkan sampel sejumlah 424 jiwa. Penelitian mengadopsi dan menggunakan tes Sobel serta metode Baron dan Kenny dalam pengujian pengaruh mediasi modal sosial pada hubungan literasi keuangan dan inklusi keuangan. Hasil penelitian menemukan bahwa modal sosial terbukti secara parsial memediasi hubungan antara literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul. Kata kunci: Usia Produktif, Literasi Keuangan, Inklusi Keuangan, Modal Sosial, Kabupaten Gunungkidul.

The Impact of International Entrepreneurial Orientation on the Performance of SMEs in Qatar: The Mediating Role of Degree of Internationalization

2021 ◽  
Vol 12 (3) ◽  
pp. 2939-2947
Author(s):  
Abdulmohsin Abdulla M Alyafei Et.al
Keyword(s):  
Value Creation ◽  
Entrepreneurial Orientation ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Managerial Implication ◽  
Mediating Role ◽  
The Impact ◽  
The Relationship

The main purpose of the current study is to investigate the impact of the impact of international Entrepreneurial orientation on the performance of SMEs in QATAR. Additionally, the study has investigated the mediating role of the degree of internationalisation in the relationship between the international Entrepreneurial orientation on the performance of SMEs in Qatar. The present study used stratified sampling technique. The study used Smart PLS-SEM, which is Smart Partial Least Square Structural EquationModeling (SEM) 3.2.6 version. EO has been indicated to improve organisational competitiveness which leads to value creation and eventually improved organisational performance. The findings indicate that the growth performance of SMEs depends on the ability of an entrepreneur to allocate the strategic limited resources and adapt to changes by setting up proper firm orientation. Successful processes will only be achievable if sufficiently skilled and motivated employees are equipped with precise and current information. The findings of this study have presented important managerial implication and contribution to studies on entrepreneurial orientation of SME firms in Qatar.

scholarly journals The Role of Mediation Electronic Word of Mouth (E-WoM) in Relationship Quality of Services and Tourism Products Against Visiting Decisions

2021 ◽  
Vol 5 (1) ◽  
pp. 64-76
Author(s):  
Asep Rahmat Taryadi ◽  
Muchammad Agung Miftahuddin
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Electronic Word Of Mouth ◽  
Mediating Role ◽  
The Relationship

The purpose of this study was to analyze the mediating role of electronic word of mouth in the relationship between tourism products and service quality on the decision to visit tourists to Pangandaran Beach. This research is explanatory research, and the data collection is done by distributing questionnaires. The sample in this study amounted to 95 visitors to Pangandaran beach, who were selected using the purposive sampling method. Based on the analysis using Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach, the results indicate that service quality and tourism products have a significant positive effect on visiting decisions. However, electronic word of mouth does not mediate the relationship between service quality and tourism products on tourists visiting decisions.

scholarly journals Workload, Work Pressure and Interpersonal Deviance in Academia: The Mediating Role of Neutralization

2017 ◽  
Vol 7 (4) ◽  
pp. 1 ◽  
Author(s):  
Michael Olalekan Adeoti ◽  
Faridahwati Mohd. Shamsudin ◽  
Chong Yen Wan
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Organizational Deviance ◽  
Mediating Role ◽  
Work Pressure ◽  
Interpersonal Deviance ◽  
The Relationship

Extant empirical researches on deviant workplace behaviour have concentrated on negative deviant acts directed towards both the organizations (organizational) and its members (interpersonal) simultaneously while others solely focused on deviant behaviours directed at organization and its properties (organizational deviance). However, studies have not investigated interpersonal deviance as a major focus without considering organizational deviance. Drawing from theory of neutralization and job demand control model, the present study examined the mediating role of neutralization on the relationship between workload, work pressure and interpersonal deviance. The data was obtained from 356 academics in public universities in Nigeria. Using partial least square structural equation modeling, results revealed that workload and work pressure were significantly related to interpersonal deviance. On the other hand, neutralization significantly mediated the positive relationship between workload and interpersonal deviance. Similarly, neutralization mediated the relationship between work pressure and interpersonal deviance. Conclusively, it is essential to review the existing workloads and working conditions of faculty members in Nigerian public tertiary institutions with a view of minimizing interpersonal deviance.

scholarly journals The Mediating Role of Employee Innovativeness on the Nexus between Internet Banking and Employee Performance: Evidence from the Republic of Congo

2021 ◽  
Vol 2021 ◽  
pp. 1-20
Author(s):  
Jean Baptiste Bernard Pea-Assounga ◽  
Hongxing Yao
Keyword(s):  
Banking Sector ◽  
Employee Performance ◽  
Internet Banking ◽  
Partial Least Square ◽  
Least Square ◽  
Republic Of Congo ◽  
Mediating Role ◽  
The Republic ◽  
The Relationship

In recent years, banks have begun to realize the importance of Internet banking services and their connection with the banking sector. The main purpose of this article was to find the mediating role of employee innovativeness in the relationship between Internet banking and employee performance of certain banks in the Republic of Congo. A 350-sample size was considered, and a partial least square and structural model equation was used for data analysis. The research results suggested that Internet banking positively affects employee performance and employee innovativeness. They also confirmed that employee innovativeness partially mediates the relationship between Internet banking and employee performance. The theoretical model was built based on Diffusion of Innovation (DOI) Theory, Job Demands-Resources (JD-R) Model, Absorptive Capacity Theory (ACT), and Resource-Based View Theory. This work makes a more accurate contribution to the literature on Internet banking and employee performance. The study further provided recommendations and suggests directions for future studies.

scholarly journals Social Innovation and Social Entrepreneurship as Mediators of the Relationship between Social Capital and Income Level Of B40 Households

2020 ◽  
Vol 21 (2) ◽  
pp. 837-856
Author(s):  
Syahrin Suhaimee ◽  
Mohd Azlan Shah Zaidi ◽  
Mohd Adib Ismail ◽  
Noorasiah Sulaiman
Keyword(s):  
Social Capital ◽  
Social Entrepreneurship ◽  
Household Income ◽  
Structural Equation ◽  
Social Innovation ◽  
Well Being ◽  
Partial Least Square ◽  
Least Square ◽  
The Relationship

This study examines the role of social capital in improving the B40 household income, where social innovation and social entrepreneurship act as mediators. Past studies provided a limited explanation of the role of social innovation and social entrepreneurship in describing the relationship between social capital and income. The study involved 304 respondents selected through purposive sampling. Using a Partial Least Square Structural Equation Model, the findings showed that social capital factors in all dimensions influence social innovation and social entrepreneurship. Social networks and social responsibility are essential social capitals for increasing social innovation and social entrepreneurship. The findings imply that social entrepreneurship should be empowered to effectively strengthen its role in boosting the B40 household income. Social capital development with an emphasis on social innovation and social entrepreneurship is expected to create an innovative society that can reduce income inequality and enhance well-being of the B40 households.

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