scholarly journals Effect of Financial Literacy on Individual Savings Behavior; the Mediation Role of Intention to Saving

2021 ◽  
Vol 6 (5) ◽  
pp. 94-99
Author(s):  
T. U. I. Peiris
Keyword(s):  
Financial Institutions ◽  
Financial Literacy ◽  
Structural Equations ◽  
Mediation Effect ◽  
Savings Behavior ◽  
Three Stage Least Squares ◽  
Structural Equations Model ◽  
Structured Questionnaire ◽  
Do So

This study investigated the effect of financial literacy on savings behavior, considering the mediation effect of intention to savings. A structured questionnaire was distributed among 206 employed individuals in the Colombo district, Sri Lanka. Three Stage Least Squares technique was initially used to analyze the structural equations model fitted to measure the hypothesized mediation effect. Then the result was rousted using path analysis. The findings indicated that financial literacy has a direct and positively significant influence on savings behavior. Moreover, the mediation effect of intention was also found as positively significant in the above relationship. This indicates that the knowledge of the financial system leads to good savings behavior, and especially it creates an intention to save more. Therefore, policymakers and financial institutions can consider enhancing financial literature among individuals as a worthy strategy when encouraging savings as it both encourages savings behavior and the intention to do so.

scholarly journals An Empirical Study to Determine the Role of Credit in the Betterment of the Farmers’ Life: A Study with Special Reference to Cachar District of Assam

2021 ◽  
Vol 6 (1) ◽  
pp. 36-47
Author(s):  
Subhash Sinha ◽  
Vanlalchhawna
Keyword(s):  
Factor Analysis ◽  
Regression Analysis ◽  
Financial Institutions ◽  
Statistical Tools ◽  
Agricultural Credit ◽  
Rural People ◽  
Rural Sector ◽  
The Impact ◽  
Structured Questionnaire

The study focuses on the significance of agricultural credit that can bring change in the life of farmers and rural people. The rural sector is mostly neglected and lacks adequate finance that’s needed to back the sector. However, there are certain financial institutions that work for the welfare of the sector and lend credit facilities to farmers and associated people, for their wellbeing. The current study majorly recognizes the impact and benefits of these credit facilities in improving the situation of farmers at several unnoticed places, including Cachar district. The present study is exploratory in nature. It has explored the role of credit in farmer’s life. The data was collected through a structured questionnaire from 283farmers of Cachar district. The statistical tools applied for the study were “Exploratory Factor Analysis (EFA)”, and “Multiple regression analysis.” The factors identified were Economic Development, Agro Development and Family and Social Development. It was found that there is a significant role of credit in the development of all the three factors.

scholarly journals Parental Socialization, Social Anxiety, and School Victimization: A Mediation Model

2020 ◽  
Vol 12 (7) ◽  
pp. 2681 ◽  
Author(s):  
Celeste León-Moreno ◽  
Juan Evaristo Callejas-Jerónimo ◽  
Cristian Suarez-Relinque ◽  
Daniel Musitu-Ferrer ◽  
Gonzalo Musitu-Ochoa
Keyword(s):  
Social Anxiety ◽  
Structural Equations ◽  
Parental Socialization ◽  
Mediation Model ◽  
Mediating Role ◽  
School Victimization ◽  
Parenting Dimensions ◽  
Structural Equations Model ◽  
The Relationship

The aim of this study was to examine the relationship between parenting dimensions (involvement/acceptance vs. strictness/imposition) and school victimization, considering the possible mediating role of social anxiety. The sample comprised 887 adolescents (52.3% girls) aged between 12 and 16 (M = 13.84 and SD = 1.22) enrolled at three compulsory secondary education ("ESO" or "Educación Secundaria Obligatoria" in Spanish) schools located in the provinces of Valencia, Teruel and Seville (Spain). A structural equations model was developed using the Mplus 7.4 program. The results obtained indicate that social anxiety mediates the relationship between parenting dimensions (involvement/acceptance vs. strictness/imposition) and school victimization. Finally, the results and their potential theoretical and practical implications are discussed.

scholarly journals ANTISOCIAL BEHAVIOUR IN ADOLESCENCE: UNDERSTANDING RISK FACTORS AND MEDIATORS THROUGH A STRUCTURAL EQUATIONS MODEL

2016 ◽  
Vol 1 (2) ◽  
pp. 381
Author(s):  
Alice Murteira Morgado ◽  
Maria da Luz Vale Dias
Keyword(s):  
Family Environment ◽  
Antisocial Behaviour ◽  
Sem Analysis ◽  
Structural Equations ◽  
Self Control ◽  
Social Conformity ◽  
Social Rules ◽  
Structural Equations Model ◽  
Fitting Model

Abstract.In this paper we use a SEM analysis to test an explanatory model for antisocial behaviour in adolescence that includes dimensions that have a direct effect on antisocial behaviour (psychoticism, neuroticism and self-control), while some are relatively malleable in this developmental stage and mediate the role of age on antisocial behaviour (family environment, self-concept, and conformity to social rules). A structural equations model was tested with a sample of 489 participants. Results show a good fitting model where psychoticism, self-control, age, social conformity and family environment are intertwined in a complex net of relations and effects involved in the explanation of adolescent antisocial behaviour.Conclusions embrace the differentiated nature of each predictor and its role both directly and in relation to other predictors. The complexity of adolescent antisocial behaviour became evident, showing that it cannot be addressed in simplistic terms, as we need to account for direct and indirect effects.Keywords: antisocial behaviour, personality, family, adolescence, social conformityResumo.Apresentamos a análise de um Modelo de Equações Estruturais para testar um modelo explicativo para o comportamento antissocial na adolescência que inclui dimensões com efeito direto no comportamento antissocial (psicoticismo e autocontrolo) e dimensões que apresentam mais variabilidade ao longo deste estádio de desenvolvimento e que medeiam o papel da idade com comportamento antissocial (ambiente familiar e conformidade social). Foi testado um modelo de equações estruturais com uma amostra de 489 jovens entre os 9 e os 17 anos de idade. Os resultados revelam um modelo significativo, com bons indices de ajustamento, no qual o psicoticismo, autocontrolo, idade, conformidade social e ambiente familiar se entrecruza numa complexa rede de relações e efeitos envolvidos na explicação do comportamento antissocial na adolescência.As conclusões reconhecem a natureza distinta de cada preditor e o papéis diretos e através das relações com outras variáveis preditoras. Fica evidenciada a complexidade do comportamento antissocial na adolescência, demonstrando que tal fenómeno não pode ser abordado de forma simplista, já que há que considerar efeitos diretos e indiretos de diversas variáveis.Palavras-chave: comportamento antissocial, personalidade, família, adolescência, conformidade social

scholarly journals Dairy Products with Certification Marks: The Role of Territoriality and Safety Perception on Intention to Buy

Foods ◽  
2021 ◽  
Vol 10 (10) ◽  
pp. 2352
Author(s):  
Vincenzo Russo ◽  
Margherita Zito ◽  
Marco Bilucaglia ◽  
Riccardo Circi ◽  
Mara Bellati ◽  
...  
Keyword(s):  
Dairy Products ◽  
Positive Association ◽  
Structural Equations ◽  
Cultural Identities ◽  
Marketing Model ◽  
Perception Of Safety ◽  
Safety Perception ◽  
The Difference ◽  
Structural Equations Model

Over the years, the territorial origins of agri-food products have become a consolidated marketing model which stand as an alternative to mass production. References to territory, whether on packaging or in advertising, have become an increasingly popular way for marketers to differentiate products, by attributing specific characteristics to them, derived from specific cultural identities and traditions. The aim of this study is to capture the possible differences between two groups, Italian and French, in the perception and intention to buy products with certification marks. We tested a multi-group structural equations model, assessing the mediation of the Perceived Product Safety (PPS) between Packaging with reference to Territoriality (PT) and Intention to Buy (IB). Our findings show that in both groups PT has a positive association with IB and PPS and that PPS has a positive association with IB. The difference is the mediation of PPS, present only in the Italian group. This opens important considerations on the role of the perception of safety, particularly in the pandemic period, in the presentation of products, particularly in products with certification marks linked to sustainability and territoriality.

Understanding franchisee performance

2018 ◽  
Vol 47 (7) ◽  
pp. 733-751 ◽  
Author(s):  
Enrico Colla ◽  
Maria Eugenia Ruiz-Molina ◽  
Catherine Chastenet De Gery ◽  
Maryline Schultz ◽  
Martine Deparis ◽  
...  
Keyword(s):  
Affective Commitment ◽  
Structural Equations ◽  
Least Squares Regression ◽  
Content Type ◽  
Bidirectional Communication ◽  
And Performance ◽  
Structural Equations Model ◽  
The Impact ◽  
Practical Implications

Purpose The purpose of this paper is to investigate the impact of participative franchising on performance from the franchisee perspective. In particular, the paper analyses the impact of the franchisee autonomy – in human resource management and marketing decisions – affective commitment to the network and network innovativeness on the franchisee relative performance. Design/methodology/approach A survey answered by 226 franchisees in France allowed to estimate a structural equations model through partial least squares regression analysis to test the hypothesised relations between autonomy, affective commitment, innovativeness and performance. Findings According to the authors’ findings, franchisee’s autonomy in commercial policies, mediated by to franchisor’s ability to innovate and acknowledge innovations stemming from the franchisees, and the affective commitment to the network, emerge as strong determinants of the franchisee’s performance. Research limitations/implications The results confirm the conclusions of other research, but extend and integrate them, providing evidence that the role of participative franchising should not be neglected. Practical implications The results obtained provide evidence about the importance of bidirectional communication instruments in the relations between franchisor and franchisee, and participation tools for the identification, recognition and support to the innovative successful practices developed by franchisees to be quickly implemented by other franchisees in the network. Originality/value This paper looks at franchisee autonomy, affective commitment and innovativeness as potential determinants of franchisee’s performance, being the latter an underexplored topic.

scholarly journals Structural model of university social responsability

2021 ◽  
Vol 12 (2) ◽  
pp. 185-218
Author(s):  
Carlos Francisco Ortiz-Paniagua ◽  
Joel Bonales Valencia ◽  
Araceli Flores Esparza
Keyword(s):  
Social Responsibility ◽  
Least Squares ◽  
Representative Sample ◽  
Structural Model ◽  
Management Practice ◽  
Structural Equations ◽  
State University ◽  
Structural Equations Model ◽  
The University

The study aims to analyze the University Social Responsibility (USR) policy implemented at the Michoacan State University (Universidad Michoacana de San Nicolás de Hidalgo - UMSNH) from the perspective of the university community. For that purpose, a Structural Equations Model in its variant of Partial Least Squares (PLS) was used from a theoretical/empirical construct on the USR. Five variables integrated into 17 indicators were used, obtained by a representative sample. The results are presented in two sections; a) USR performance at the UMSNH and; b) the role of each variable in the PLS model. It is concluded that the performance was regular and the Internal Management (IM) had a key impact on the model operation. In the management practice, this might help identify areas to improve the performance of this policy by sector and variables.

scholarly journals What Protects Us Against the COVID-19 Threat? Cultural Tightness Matters

2021 ◽  
Author(s):  
Dan Dong ◽  
Zhipeng Chen ◽  
Min Zong ◽  
Peng Zhang ◽  
Wen Gu ◽  
...  
Keyword(s):  
Risk Perception ◽  
Protective Factor ◽  
Psychological Disorders ◽  
Structural Equations ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Cultural Perspectives ◽  
Protection Efficacy ◽  
Structural Equations Model

Abstract Background: The only previous studies that formulated a theoretical model of epidemics for psychological response relative to cultural perspectives have focused on the role of individualism–collectivism and have omitted analysis of tightness–looseness. This study explored the role of cultural tightness in relation to psychological disorders during the outbreak of the COVID-19 pandemic.Methods: We recruited 1827 Chinese adolescents (Mage = 17.78 ± 1.94 years, 55.5% female) to participate a cross-sectional survey. Participants completed a series of questionnaires, including the scales of cultural tightness, risk perception of COVID-19 pandemic, perceived protection efficacy, anxiety and depression. A latent moderated structural equations model was used to analyse the mediating and moderating effects of risk perception regarding COVID-19, cultural tightness and perceived protection efficacy on psychological disorders. Results: The results showed that greater risk perception of COVID-19 predicted greater psychological disorders, however cultural tightness moderated this positive relationship. The increase in psychological disorders with risk perception regarding COVID-19 was less pronounced among people who lived in tighter cultural areas. In addition, this moderating effect of cultural tightness was further mediated by perceived protection efficacy; that is, tight culture protects against psychological disorders by enhancing perceived protection efficacy. Conclusion: This study enriched the theoretical framework of cultural tightness and indicated its importance in the field of mental health and health policies. It also emphasized the importance of tight culture as a protective factor against psychological disorders in case of COVID-19 outbreaks, providing valuable practical insight into psychological prevention for COVID-19 outbreaks.

scholarly journals Trust, Identity, Skills, or Recruitment?: Assessing Four Explanations of the Relationship between Associational Involvement and the Political Participation of Migrants

2019 ◽  
Vol 54 (2) ◽  
pp. 585-610 ◽  
Author(s):  
Marco Giugni ◽  
Maria Grasso
Keyword(s):  
Political Participation ◽  
Political Engagement ◽  
Mediation Effect ◽  
The Political ◽  
Group Consciousness ◽  
Mobilization Theory ◽  
Random Samples ◽  
The Relationship ◽  
Do So

This article investigates the nature of the relationship between associational involvement and migrant political participation. We explore the extent to which empirical evidence supports the mechanisms proposed by four popular theories in the political participation literature: social capital, group consciousness, civic voluntarism, and mobilization theory. To do so, we employ a mediation-effect approach with data from random samples of migrants in four European cities. Our results show that associational membership mainly operates through a direct effect stressing organizations’ role as agents of mobilization and that associational membership and the links that migrants forge in these associations are crucial for their political engagement. The evidence presented shows that the mobilizing role of voluntary associations — not their role in developing trust, furthering group identity, or providing skills — remains the key to understanding why such organizations spur migrant political participation.

scholarly journals The limits of ignorance – financial literacy and the corporate responsibilization to the business of life

2015 ◽  
Vol 19 (2) ◽  
Author(s):  
Erik Højbjerg
Keyword(s):  
Financial Crisis ◽  
Financial Institutions ◽  
Financial Literacy ◽  
Life Skills ◽  
Global Financial Crisis ◽  
Private Enterprise ◽  
Ordinary Citizen ◽  
Individual Citizen ◽  
The Individual

AbstractHow do corporations seek to construe and mobilize responsible consumers by offering products and services, the consumption of which are assumed to transform the individual’s self-relationship along proclaimed ethical and political goals? In the aftermath of the 2008 global financial crisis, increasing the financial literacy of ordinary citizen-consumers has taken a prominent position among regulators and financial institutions alike. The logic seems to be that financially capable individuals will enjoy social and political inclusion as well as an ability to exercise a stronger influence in markets. The article specifically contributes to our understanding of the governmentalization of the present by addressing how - at least in part - the corporate spread of financial literacy educational initiatives can be observed as a particular form of power at-a-distance responsibilizing the consumer. The focus is on the role of private enterprise in governmentalizing the business of life by establishing and mobilizing specific conceptual forms around which the life skills of the entrepreneurial self involves a responsibilization of the individual citizen-consumer.

scholarly journals The Study of the Effect of Internal Marketing on Sales Staff Performance with an Emphasis on the Role of Organizational Commitment

2016 ◽  
Vol 12 (6) ◽  
pp. 169 ◽  
Author(s):  
Mohammad Mahdi Saeedinejad
Keyword(s):  
Organizational Commitment ◽  
Simple Random Sampling ◽  
Internal Marketing ◽  
Structural Equations ◽  
Organizational Vision ◽  
Statistical Population ◽  
Staff Performance ◽  
Structural Equations Model ◽  
Sales Staff

<p>This study aimed to achieve the improvement of sales based on the effect of internal marketing on Sales staff performance with an emphasis on the role of organizational commitment in Pama Shoes Company. The statistical population of this study included all the staff working in Pama Shoes Company. According to Krejcie and Morgan table, the sample size was determined as 217 subjects and simple random sampling was used. The research method was descriptive-correlational and data collection was done by questionnaire. A questionnaire designed by Moni and Forman (1995) was used to measure internal marketing. Allen and Meyer standard questionnaire (2000) was used to measure organizational commitment and Hamburg (2011) questionnaire with Likert scale was also used to measure Sales staff performance. The validity of research tool was confirmed by using the opinions of experts and the reliability of internal marketing questionnaire was confirmed as 0/890, Sales staff performance as 0/877 and organizational commitment as 0/834 by using Cronbach alpha. Data were analyzed by structural equations model. The results of this study show that the dimensions of internal marketing (rewarding, development of staff, and Organizational Vision) have a positive and significant effect on Sales staff performance. In addition, organizational commitment has a favorable moderating role in the effectiveness of internal marketing on Sales staff performance.</p>

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