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Article
Publication date: 15 May 2017

Rachel Mindra, Musa Moya, Linda Tia Zuze and Odongo Kodongo

The purpose of this paper is to examine the relationship between financial self-efficacy (FSE) and financial inclusion (FI) among individual financial consumers in Uganda.

Abstract

Purpose

The purpose of this paper is to examine the relationship between financial self-efficacy (FSE) and financial inclusion (FI) among individual financial consumers in Uganda.

Design/methodology/approach

Using a quantitative approach and cross-sectional research design, a sample of 400 individuals from urban Central and rural Northern Uganda was drawn. SPSS and AMOS™ 21, regression analysis and structural equation models were used to establish the hypothesized relationship between FSE and FI.

Findings

The results suggest a strong positive and significant relationship between FSE and FI. The results further suggest that other variables which were controlled for, such as age and gender, had significant influence on an individual’s usage of formal financial services.

Research limitations/implications

The study was assessed using both potential and actual consumers of financial services collectively. However, if separately assessed, possibly there would be a variation in behavioral responses toward FI.

Practical implications

Formal financial service providers need to enhance individuals’ levels of confidence in management of finances and utilization of formal financial products and services, so that the financial consumers can realize the changes in financial behavior and consequently FI.

Social implications

The enhancement of individuals’ level of confidence in evaluating the available financial service options will guide them to take financial decisions that will improve their livelihood.

Originality/value

The results contribute toward the limited empirical and theoretical evidence for FSE and FI from a behavioral demand-side perspective.

Details

International Journal of Bank Marketing, vol. 35 no. 3
Type: Research Article
ISSN: 0265-2323

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Article
Publication date: 13 March 2017

Rachel Mindra and Musa Moya

The purpose of this paper is to examine the mediating effect of financial self-efficacy (FSE) on the relationship between financial attitude, financial literacy and…

Abstract

Purpose

The purpose of this paper is to examine the mediating effect of financial self-efficacy (FSE) on the relationship between financial attitude, financial literacy and financial inclusion (FI) among individuals in Uganda.

Design/methodology/approach

Using a quantitative approach and cross-sectional research design, a sample of 400 individuals from urban Central and rural Northern Uganda was drawn. Using SPSS and AMOS™ 21, structural equation models and bootstrapping methods were used to establish the hypothesized relationships and mediation effects between financial attitude, financial literacy and FI.

Findings

The results suggested FSE as a mediator of the relationship between financial attitude, financial literacy and FI. Further, there was a significant and insignificant relationship between financial literacy, financial attitude and FI, respectively.

Research limitations/implications

The study was assessed using both potential and actual consumers of financial services collectively. However if separately assessed, possibly there would be a variation in perceptions or behavioural responses towards FI.

Practical implications

There is a need to develop and sustain high levels of financial confidence among individuals to enable them use formal financial services.

Social implications

Possession of financial knowledge, skills, an evaluative judgement with high levels of financial confidence enable individuals make financial decisions that improve their integration into the formal financial system and improved welfare.

Originality/value

The results contribute towards the limited empirical and theoretical evidence regarding the mediating role of FSE in explaining the financial behaviour.

Details

Equality, Diversity and Inclusion: An International Journal, vol. 36 no. 2
Type: Research Article
ISSN: 2040-7149

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Article
Publication date: 14 November 2016

Benard Engotoit, Geoffrey Mayoka Kituyi and Musa Bukoma Moya

This paper to examine the relationship between performance expectancy and behavioural intention to use mobile-based communication technologies for agricultural market…

Abstract

Purpose

This paper to examine the relationship between performance expectancy and behavioural intention to use mobile-based communication technologies for agricultural market information dissemination in Uganda.

Design/methodology/approach

A descriptive field survey method was adopted. A total of 302 commercial farmers and agribusiness traders in Eastern Uganda participated in the study from whom data were collected using self-administered questionnaires. Descriptive statistics, factor analysis, correlation and regression analyses were used in the study.

Findings

The findings reveal a significant positive relationship between performance expectancy and behavioural intentions to use mobile-based communication technologies for agricultural information access and dissemination. This implies that, commercial farmers’ behavioural intentions to use mobile-based communication technologies for agricultural market information dissemination and access will be influenced if they anticipate mobile-based communication technologies to offer greater performance in their daily transactions.

Research limitations/implications

This study was conducted in the context of resource constrained countries particularly in sub-Saharan Africa, however reflecting knowledge from other contexts. The study was conducted with a structured questionnaire being the main data collection tool, and this limited the study from collecting views outside the questions asked in the questionnaire. The variables studied could not be analysed for a long time, given that the study was cross-sectional in nature.

Practical implications

The study provides recommendations on how to further boost farmers’ behavioural intentions to use mobile-based communication technologies for agricultural information dissemination. Policy makers need to ensure that policies are put in place that encourage third party software developers and telecommunication companies to provide software products and solutions that are beneficial to the commercial farmers and can enable them complete their agricultural transactions in time.

Social implications

The study provides critical literature on the influence of performance expectancy on commercial farmers’ behavioural intentions to use mobile-based communication technologies for agricultural market information access and dissemination in resource constrained settings.

Originality/value

It is noted that farmers in Uganda are slowly progressing to newer mobile information and communication technology tools for market information access and dissemination; however, little is known as to why there is slow adoption of these mobile technologies for agricultural purposes; yet policy makers need to come up with proper strategies to encourage wide scale use of mobile technologies for agricultural market purposes.

Details

Journal of Systems and Information Technology, vol. 18 no. 4
Type: Research Article
ISSN: 1328-7265

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Article
Publication date: 21 July 2020

Ahmad Daowd, Muhammad Mustafa Kamal, Tillal Eldabi, Ruaa Hasan, Farouk Missi and Bidit Lal Dey

Over the last few decades, microfinance industry is argued to have played a constructive role in alleviating poverty level and providing the underprivileged with access to…

Abstract

Purpose

Over the last few decades, microfinance industry is argued to have played a constructive role in alleviating poverty level and providing the underprivileged with access to financial services. Statistics from the World Bank reveal that, currently, only 4% of the underprivileged have been served out of the 3 billion+ potential clients. Such results are due to several claims, particularly the operational and financial challenges faced by microfinance institutions (MFIs) in the constant flux inviting more attentions towards its performance. While explicit attention is given by many researchers towards mobile banking and information and communication technology (ICT) in improving the MFIs’ performance, the study on how social media, as a rapidly growing online phenomenon, can impact on the MFIs’ performance remains scarce. As such, this study aims to investigate this impact based on four dimensional performance indicators: efficiency, financial sustainability, portfolio quality and outreach.

Design/methodology/approach

A model is proposed and tested to ascertain the relationship between social media applications and organisational performance. In so doing, web-based questionnaires have been used to collect data from MFI employees in developing countries. Results reveal a significant influence of the social media over the MFIs’ performance, offering valuable insights into both researchers and practitioners in the domain of microfinance, as well as social media—conforming that the adoption of social media as marketing, advertising and communication tools may significantly improve the MFIs’ performance.

Findings

The results demonstrate that there is a positive and significant impact of social media use within microfinance on the key indicators of MFIs. They also show that the highest impact of social media usage within the microfinance is on the portfolio quality. In addition, it was found that marketing and advertising; communication and sales and distribution are the main areas where social media is able to support while social networking websites are the most popular platforms employed in MFIs.

Originality/value

This study adds to the existing literature few theoretical and practical aspects. First, this study developed a model for assessing the value of social media as a new phenomenon within this type of organisation. Second, it offers microfinance sponsors, managers and policy makers with a frame of reference to understand what social media platform can be deployed for each purpose. Third, with the identification of the main MFIs’ performance indicators, this research provided a reference of performance measurement guide for microfinance industry when assessing different technological employment.

Details

Information Technology & People, vol. 34 no. 1
Type: Research Article
ISSN: 0959-3845

Keywords

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Article
Publication date: 16 January 2020

Nyoman Trisna Herawati, I. Made Candiasa, I. Ketut Yadnyana and Naswan Suharsono

This paper aims to analyse the effect of financial learning quality (FLQ) and parental socioeconomic status (SES) on the financial self-efficacy (FSE) of undergraduate…

Abstract

Purpose

This paper aims to analyse the effect of financial learning quality (FLQ) and parental socioeconomic status (SES) on the financial self-efficacy (FSE) of undergraduate Accounting students in Bali with students’ financial literacy (FL) serving a mediator.

Design/methodology/approach

This research used a quantitative design with ex post facto approach and path analysis technique. Research data were collected by administering a financial literacy test on, and questionnaires distributed to, the sample selected using a purposive random sampling technique. The research sample consisted of undergraduate Accounting students in Bali who were in their fourth or sixth semesters, numbering 518.

Findings

The research results show that financial learning quality and parental socioeconomic status directly influenced financial literacy. Financial learning quality and socioeconomic status did not have any direct influence on financial self-efficacy, but financial literacy directly affected financial self-efficacy. Additionally, the results also show that financial literacy was able to mediate learning quality’s and socioeconomic status’ relationships with financial self-efficacy.

Practical implications

The research results indicate that financial learning quality had a significant effect on financial literacy but lacked any direct influence on financial self-efficacy. This suggests that it is important to improve financial learning quality in not only cognitive aspect (knowledge) but also practical aspect, which will contribute to the improvement in students’ financial self-efficacy. In the future, research can be continued by finding other variables that are more dominant in influencing financial self efficacy. In addition, research and development approach can be done to find a learning model that can improve financial self-efficacy among accounting students.

Originality/value

Previous studies predominantly investigated the factors that affect financial literacy in students. There has been a small body of research that addresses financial self-efficacy, especially in Accounting students. Therefore, this research makes a contribution to the knowledge on factors that influence, either directly or indirectly, FSE in students with financial literacy serving as a mediator.

Details

Journal of International Education in Business, vol. 13 no. 1
Type: Research Article
ISSN: 2046-469X

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Article
Publication date: 22 June 2018

Alfonso J. Gil, Beatriz Rodrigo-Moya and Jesús Morcillo-Bellido

The purpose of this paper is to analyse the impact of leadership on culture and on the structure of learning, and of these two constructs on the innovation capacity.

Abstract

Purpose

The purpose of this paper is to analyse the impact of leadership on culture and on the structure of learning, and of these two constructs on the innovation capacity.

Design/methodology/approach

A quantitative study utilising a survey was carried out. By means of an ad hoc questionnaire, educational administrators were asked about some characteristics of their organisations. The authors have proven the model of research through a model of structural equations, that is, by means of the partial least squares technique.

Findings

The hypothesis is confirmed that leadership affects culture and learning structure, and both impact on the innovation capacity of schools.

Practical implications

This work addresses the role of three critical aspects in the management of educational organisations—leadership, culture and structure—in the development of innovation that is essential in improving organisational development.

Originality/value

The role of leadership in the development of favourable conditions for innovation is verified, as is the impact of these conditions on the innovation capacity of educational organisations.

Details

Leadership & Organization Development Journal, vol. 39 no. 6
Type: Research Article
ISSN: 0143-7739

Keywords

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Article
Publication date: 4 July 2016

Irene Kilubi

The purpose of this paper is to analyse the intellectual structure and research fronts of discipline of supply chain risk management (SCRM), in order to identify the…

Abstract

Purpose

The purpose of this paper is to analyse the intellectual structure and research fronts of discipline of supply chain risk management (SCRM), in order to identify the knowledge groups in the research area to date, as well as to reveal any relationships between these subfields and the central influential trends.

Design/methodology/approach

By means of a bibliometric study, the 32 most co-cited articles on SCRM published in 16 top business-related academic journals are analysed using multivariate statistical techniques, i.e. multi-dimensional scaling, cluster analysis and correspondence factor analysis.

Findings

The results demonstrate a clearly identifiable structure as a result of the performed co-citation analysis. The conducted cluster analysis and factor bring forward that the research field is arranged in five different areas of interest: explaining supply chain (SC) risk phenomena, concepts, frameworks and insights of SCRM; modelling risks for SCs; inventory risks affecting supply efficiency; SC and product design methods; and SC risk mitigating strategies.

Originality/value

Overall, the intellectual structure of SCRM is first examined through a bibliometric approach using quantitative techniques – for improved understanding of its origins, and to identify the state of the science – and to offer suggestions for future studies that could cover current gaps. This study represents the potential to advance the SCRM literature landscape.

Details

Business Process Management Journal, vol. 22 no. 4
Type: Research Article
ISSN: 1463-7154

Keywords

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Article
Publication date: 4 September 2017

Khondoker Abdul Mottaleb, Dil Bahadur Rahut and Ashok K. Mishra

The purpose of this paper is to examine the rice consumption by rice grain types under the rising income scenario in Bangladesh. Generally, with an increase in income…

Abstract

Purpose

The purpose of this paper is to examine the rice consumption by rice grain types under the rising income scenario in Bangladesh. Generally, with an increase in income, households tend to consume more food items that are high-value, enriched foods and protein, such as meat and fish, by substituting for cereals. However, consumers also substitute when it comes to grain quality. For example, cereals, such as rice, are available in a range of qualities from the ordinary type (coarse-grain) to the premium type (fine grain). The authors postulate that as household incomes increase, households may consume more premium-type rice (or fine-grain rice), while overall consuming less rice or fewer carbohydrates.

Design/methodology/approach

Using the Bangladesh Household Income and Expenditure Survey 2000, 2005, and 2010, and applying multivariate probit and seemingly unrelated regression estimation procedures, this study quantifies the impact of income, household demographics, and urbanization on rice consumption by rice grain types (coarse-grain, medium-grain, and fine-grain types).

Findings

The results show that urban, wealthy households and, households headed by educated heads and spouses, are more likely to consume fine-grain rice than their counterparts.

Originality/value

After yield, grain type is the second most important factor for farmers when considering the adoption of a new variety. The price of rice and other cereals is highly associated with the grain type. This study concludes that plant breeding programs of major cereals, such as rice and wheat, should take into account the consumer grain-type preferences when developing new varieties.

Details

British Food Journal, vol. 119 no. 9
Type: Research Article
ISSN: 0007-070X

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Article
Publication date: 9 October 2019

Mohammed Fahimuddin Mulla, Irfan Anjum Badruddin, N. Nik-Ghazali, Mohammed Ridha Muhamad, Ahamed Saleel C. and Poo Balan Ganesan

This paper aims to investigate the heat transfer in porous channels.

Abstract

Purpose

This paper aims to investigate the heat transfer in porous channels.

Design/methodology/approach

Finite element method is used to simulate the heat transfer in porous channels.

Findings

The number and width of channels play a key role in determining the heat transfer of the porous channel. The heat transfer is higher around the channel legs. Smaller base height is better to get higher heat transfer capability.

Originality/value

This study represents the original work to investigate heat transfer in a porous domain having multiple channels.

Details

International Journal of Numerical Methods for Heat & Fluid Flow, vol. 30 no. 3
Type: Research Article
ISSN: 0961-5539

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Article
Publication date: 3 December 2019

Negar Jalilian, Seyed Mahmoud Zanjirchi and Mark Goh

The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of…

Abstract

Purpose

The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of uncommitted bank earnings. Credit risk has a significant impact on the stability of the banking system. This paper identifies the types of credit risk in the banking supply chain.

Design/methodology/approach

The authors model the types of credit risk using the intuitive fuzzy failure modes and effects analysis (IFMEA) and intuitive fuzzy cognitive mapping. The population of the study that is needed for the interviews and expert panels comprises senior managers and experts of a leading bank in Iran. The respondents are experienced in credit and banking risk and were selected through judgment sampling and snowballing.

Findings

The findings suggest that reducing the risks of the foreign letters of credit contracts can mitigate the risk in the agricultural sector, the specific risks of rent-to-own contracts, the risk of the long-term facilities and the specific risk of the domestic letter of credit contracts.

Originality/value

This research investigates Iran Tejart Bank’s credit risk, formulates a model of the types of credit risk present and analyzes them using the intuitive fuzzy failure modes and effects analysis and intuitive fuzzy cognitive map. Through this credit risk model, one can then facilitate risk management for better financial stability. Also, the model can be used to evaluate the risk indicators.

Details

Journal of Modelling in Management, vol. 15 no. 1
Type: Research Article
ISSN: 1746-5664

Keywords

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