Social Networks and Subjective Norms: The Mediating effect of financial self efficacy on Financial Inclusion

2017 ◽  
Vol 13 (1) ◽  
pp. 1-26
Keyword(s):  
Social Networks ◽  
Financial Services ◽  
Self Efficacy ◽  
Structural Equation ◽  
Subjective Norms ◽  
Financial Inclusion ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Mediation Effects ◽  
The Relationship

Purpose: The purpose of this study was to examine the mediating effect of financial self- efficacy on the relationship between social networks, subjective norms and financial inclusion among individuals in Uganda. Design/Methodology/Approach: We used a quantitative approach and cross sectional research design with a sample of 400 individuals from urban Central and rural Northern Uganda. Structural equation modeling was used to establish and test the hypothesized relationships and mediation effects between social networks, subjective norms and financial inclusion. Findings: The results suggest that financial self-efficacy is a mediator of the relationship between social networks, subjective norms and financial inclusion. Furthermore, significant relationships between social networks, subjective norms and financial inclusion were found. Research Limitations: 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 behavioral responses towards financial inclusion. Practical Implications: There is a need to develop and sustain high levels of financial confidence among individuals to enable them use formal financial services through the social networks and subjective norms in which they are embedded and social values they uphold. Originality/Value: The results contribute towards the limited empirical and theoretical evidence regarding the mediating role of financial self-efficacy in explaining financial behaviour.

Financial self-efficacy: a mediator in advancing financial inclusion

2017 ◽  
Vol 36 (2) ◽  
pp. 128-149 ◽  
Author(s):  
Rachel Mindra ◽  
Musa Moya
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Self Efficacy ◽  
Structural Equation ◽  
Structural Equation Models ◽  
Financial Inclusion ◽  
Mediating Effect ◽  
Mediation Effects ◽  
Content Type ◽  
The Relationship

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.

City Newcomers’ Adaptation to Urban Life, Personal Well-Being, and Social Support

2018 ◽  
Vol 46 (7) ◽  
pp. 1201-1214
Author(s):  
Tianqiong Xia ◽  
Yifu Wang ◽  
Qiyi Lin
Keyword(s):  
Social Support ◽  
Structural Equation ◽  
Well Being ◽  
Urban Life ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Future Research ◽  
Mediation Effects ◽  
Social Support Scale ◽  
The Relationship

We evaluated the level of adaptation of city newcomers (CNs) to urban life in China, and their personal well-being, and explored the mediating effect of social support on the relationship between these variables. We used a 2-stage sampling method to recruit 314 participants who completed the Adaptation to Urban Life Scale, Social Support Scale, and Personal Well-Being Scale. Structural equation modeling was used to test full and partial mediation effects. Findings showed that there was a significant correlation between the extent of CNs’ positive adaptation to urban life and their personal well-being. In addition, social support was beneficial for CNs’ personal well-being, and partially mediated the relationship between CNs’ adaptation to urban life and personal well-being. In addition, the adaptation to urban life dimensions of employment prospects, living conditions, and urban environment predicted CNs’ personal well-being. Implications of the findings are discussed, along with directions for future research.

Mobile money adoption and usage and financial inclusion: mediating effect of digital consumer protection

2020 ◽  
Vol 22 (3) ◽  
pp. 157-176
Author(s):  
George Okello Candiya Bongomin ◽  
Joseph Mpeera Ntayi
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Structural Equation ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Mediating Effect ◽  
Content Type ◽  
Mobile Money ◽  
The Relationship

Purpose Drawing from the argument that mobile money services have a significant potential to provide a wide range of affordable, convenient and secure financial services, there have been rampant frauds on consumers of financial products over the digital financial platform. Thus, this study aims to establish the mediating effect of digital consumer protection in the relationship between mobile money adoption and usage and financial inclusion with data collected from micro small and medium enterprises (MSMEs) in northern Uganda. Design/methodology/approach To achieve the main objective of this study, a research model was developed to test for the mediating effect of digital consumer protection in the relationship between mobile money adoption and usage and financial inclusion. The data were collected from MSMEs and structural equation modelling in partial least square (PLS) combined with bootstrap was applied to analyze and test the hypotheses of this study. The direct and indirect effect of mobile money adoption and usage on financial inclusion was tested through digital consumer protection as a mediator variable. Findings The findings from the PLS-structural equation modelling (SEM) showed that mobile money adoption and usage has both direct and indirect effect on financial inclusion. Moreover, financial inclusion is influenced by both mobile money adoption and usage and digital consumer protection. Research limitations/implications The study used partial least square (PLS-SEM) combined with bootstrap confidence intervals through a formative approach to establish the mediating effect of the mediator variable. Hence, it ignored the use of covariance-based SEM and the MedGraph programme. Furthermore, data were collected from samples located in Gulu district, northern Uganda and specifically from MSMEs. This limits generalization of the study findings to other population who also use mobile money services. Practical implications Promoters of digital financial services, managers of telecommunication companies, and financial inclusion advocates should consider strengthening the existing digital consumer protection laws on the mobile money platform. A collaborative approach between the mobile network operators, financial institutions and regulators should tighten the existing laws against mobile money fraudsters and an efficient mechanism for recourse, compensation and remedy should be set up to benefit the victims of frauds and cybercrime on the Fintech ecosystem. Originality/value The current study gives a useful insight into the critical mediating role of digital consumer protection as a cushion for promoting financial inclusion through mobile phones over the Fintech that face great threat and risk from cyber insecurity.

Understanding different motivational mechanisms for downward, lateral, and upward knowledge transfer

2019 ◽  
Vol 47 (10) ◽  
pp. 1-11 ◽  
Author(s):  
Minhyung Kang ◽  
Byoungsoo Kim
Keyword(s):  
Knowledge Transfer ◽  
Self Efficacy ◽  
Structural Equation ◽  
Subjective Norms ◽  
Equation Modeling ◽  
Partial Least Squares Analysis ◽  
Relational Approach ◽  
Types Of Knowledge ◽  
Negative Effect ◽  
The Relationship

We applied the theory of planned behavior to examine the relative effects of expected reciprocity, self-efficacy, and subjective norms as antecedents enhancing employees’ downward, lateral, and upward knowledge transfer. Structural equation modeling with partial least squares analysis was used to examine the hypothesized relationships with data gathered through a social network survey from 385 employees in research and development groups in South Korea. Results indicated that self-efficacy was the strongest antecedent of downward knowledge transfer. In lateral knowledge transfer, expected reciprocity showed a significant negative effect. Last, upward knowledge transfer was mainly influenced by self-efficacy and subjective norms. However, subjective norms were positively related to upward knowledge transfer, whereas the relationship between self-efficacy and upward knowledge transfer was negative. These results support the usefulness of the relational approach in understanding the different motivational mechanisms for each of the types of knowledge transfer.

scholarly journals A moderated mediation analysis of the relationship between a high-stakes English test and test takers’ extracurricular English learning activities

2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Jing Zhang
Keyword(s):  
Self Efficacy ◽  
Structural Equation ◽  
Large Scale ◽  
Learning Activities ◽  
Equation Modeling ◽  
English Learning ◽  
High Stakes ◽  
Mediation Effects ◽  
Reciprocal Determinism ◽  
The Relationship

AbstractThis study investigated the relationship between a large-scale and high-stakes English test and test takers’ learning behavior. Specifically, it explored whether and how the National Matriculation English Test (NMET) influenced test takers’ extracurricular English learning activities under the Chinese Mainland educational context. Based on Bandura’s triadic reciprocal determinism theory, this study proposed a distal mediation model and employed covariance-based Structural Equation Modeling to test the model. The data were collected via a cross-sectional survey with 470 test takers. The results showed that test takers’ perceptions of the examination exerted direct and indirect effects on their extracurricular English learning activities, and that test takers’ perceived self-efficacy for self-regulated learning and academic achievement were two important factors mediating the relationship between their perceptions of the test and extracurricular learning. Furthermore, test takers’ perceptions of the exam-approaching have diverse moderating effects on different mediation effects. This study suggests that introducing the triadic reciprocal determinism theory helps understand how an examination influences learning. It also highlights the role of test takers’ perceptions of an examination and their perceived self-efficacy in predicting a test’s impact on learning.

scholarly journals The Effect of Academic Achievement and Career Decision Self-Efficacy on Postgraduate Study Intentions among Undergraduate Students

2021 ◽  
Vol 11 (1) ◽  
pp. 1-13
Author(s):  
ilhan ilter
Keyword(s):  
Academic Achievement ◽  
Undergraduate Students ◽  
Self Efficacy ◽  
Structural Equation ◽  
Postgraduate Education ◽  
Career Decision ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Postgraduate Studies ◽  
The Relationship

This study aimed to examine the mediation role of career decision self-efficacy in the relationship between academic achievement and postgraduate (PG) study intentions among undergraduate students. The study was conducted with 315 students who enrolled in fourth-grade in different programs in the education faculty of a university in Turkey. Data were collected by using the “Career Decision Self-Efficacy Scale” and “Postgraduate Education Intention Scale”. Pearson product-moment correlation coefficient was used in the analysis of the data and structural equation modeling was used to test the mediating effect of the hypothesized model. Results showed that academic achievement and career decision self-efficacy directly predicted PG study intentions of students. Academic achievement positively predicted career decision self-efficacy. Results of SEM indicate d that career decision self-efficacy has a partial mediation role in the relationship between academic achievement and PG study intentions. As a result, it was concluded that as the academic achievement of current undergraduate students increases, their career decision self-efficacy also increases; thus their intentions to pursue PG study increases. Universities should collect information about the career potential of undergraduate students, make plans and put these plans into action by the creation of mentoring centers for the provision of postgraduate education can be an important step for part in postgraduate studies.

scholarly journals Towards Sustainable Corporate Attraction: The Mediating and Moderating Mechanism of Person–Organization Fit

2021 ◽  
Vol 13 (21) ◽  
pp. 11998
Author(s):  
Md Sohel Chowdhury ◽  
Jeonghun Yun ◽  
Dae-seok Kang
Keyword(s):  
Job Search ◽  
Self Efficacy ◽  
Structural Equation ◽  
Subjective Norms ◽  
Equation Modeling ◽  
Job Seekers ◽  
The Right ◽  
Person Organization Fit ◽  
The Impact ◽  
The Relationship

With the burgeoning “war for talent”, attracting the right workforce has become a major key checkpoint for a firm’s sustainability. The main purpose of this study was to predict prospective employees’ organizational attraction by integrating person–organization (P–O) fit perceptions and the theory of planned behavior (TPB) into a single framework. Although many studies have reported inconsistent results for the impact of subjective norms and self-efficacy on intention in the TPB framework, adequate empirical research on applicant attraction for this theoretical phenomenon is still unavailable. This may be the first study that examined the mechanism of how and when the TPB model becomes more instrumental with subjective P–O fit perceptions. With a sample of 335 young job seekers in Bangladesh, the study examined the research hypotheses related to the TPB and P–O fit using path analysis with AMOS, a structural equation modeling (SEM) program. The results showed that P–O fit partially mediated the relationship between self-efficacy and job search intentions. Observably, P–O fit significantly moderated the relationship between subjective norms and job search intentions in such a way that the impact of subjective norms was stronger for individuals with a lower level of P–O fit but slightly weaker for those with a higher level of P–O fit. In line with the research findings, some notable theoretical contributions and practical implications for HR professionals have been discussed.

scholarly journals Impact of Industry 4.0 on Corporate Financial Performance: A Moderated Mediation Model

2021 ◽  
Vol 13 (11) ◽  
pp. 6069
Author(s):  
Hong-Long Chen
Keyword(s):  
Financial Performance ◽  
Industry 4.0 ◽  
Structural Equation ◽  
Moderated Mediation ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Corporate Financial Performance ◽  
Bootstrap Sampling ◽  
Mediation Effects ◽  
Moderated Mediation Model

Many studies advance the contemporary technologies of Industry 4.0. However, relatively little is known about how Industry 4.0 affects corporate financial performance. Using a survey, bootstrap sampling, and structural-equation modeling, this study evaluates the moderated mediation effects of Industry 4.0 maturity on financial performance. The results show that Industry 4.0 maturity significantly affects internal business process performance (IBPP), which influences customer performance through the mediating effect of supply chain performance (SCP), and IBPP and SCP affect financial performance fully through the mediating effect of customer performance. The results also show that Industry 4.0 maturity moderates the positive relationship between customer performance and financial performance. Customer performance and IBPP have the largest direct and total effects on financial performance in the context of Industry 4.0 implementation, respectively. The results indicate that Industry 4.0 magnifies the potential returns to companies mainly through IBPP, SCP, and customer performance. This study offers an enhanced understanding of the financial implications of Industry 4.0 implementation and provides insights into the factors through which Industry 4.0 maturity influences financial performance.

scholarly journals The Relationship of CSR Communication on Social Media with Consumer Purchase Intention and Brand Admiration

2021 ◽  
Vol 16 (5) ◽  
pp. 1217-1230
Author(s):  
Shuchi Gupta ◽  
Nishad Nawaz ◽  
Adel Abdulmhsen Alfalah ◽  
Rana Tahir Naveed ◽  
Saqib Muneer ◽  
...  
Keyword(s):  
Social Media ◽  
Purchase Intention ◽  
Structural Equation ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Csr Communication ◽  
Consumer Purchase Intention ◽  
Relationship Of ◽  
The Impact ◽  
The Relationship

With the advent of the Internet and other digital technologies, contemporary businesses from all sectors are using social media for communication with consumers to engage them meaningfully with a brand. However, the use of social media for corporate social responsibility (CSR) communication is relatively new to the existing literature. Likewise, the impact of CSR communication through social media (CSR-S) on consumer emotions and behavior is, to date, underexplored. To address this, the present research aims to test the relationship of CSR-S on brand admiration and consumer purchase intention. The study proposes a direct relationship between CSR-S and purchase intention with a mediating effect of brand admiration. The data were collected from the banking consumers of Pakistan through a self-administered questionnaire. The authors distributed 800 questionnaires and received 463 questionnaires useful for data analysis, so the present research study response rate was around 59%. The data were analyzed using the structural equation modeling (SEM) technique in AMOS. The results revealed that CSR-S is positively related to purchase intention (β = 0.233). The results further showed that brand admiration partially mediates this relationship (β = 0.079). The survey respondents confirmed that their bank’s CSR communication helps enhance their purchase likelihood and their feelings of admiration for their bank. These findings will help policymakers at banking institutions better understand the importance of CSR communication on different social media platforms to achieve consumer-related outcomes.

scholarly journals Sustainable Orientation of Management Capability and Innovative Performance: The Mediating Effect of Knowledge Management

2020 ◽  
Vol 12 (4) ◽  
pp. 1366
Author(s):  
Julio C. Acosta-Prado ◽  
Oscar H. López-Montoya ◽  
Carlos Sanchís-Pedregosa ◽  
Ulpiano J. Vázquez-Martínez
Keyword(s):  
Knowledge Management ◽  
Structural Equation ◽  
Health Sector ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Innovative Performance ◽  
Management Capability ◽  
The Relationship ◽  
Positive Effect

The literature suggests that innovation allows organizations to reach a desirable level of sustainability. There is evidence to support the role of knowledge management (KM) as well as management capability (MC) in producing a sustainable approach at organizations. Furthermore, organizations commonly achieve sustainable practices through corporate social responsibility (CSR). In particular, the health sector is increasingly implementing CSR strategies, although with a narrow understanding of the factors to success. Hence, trends lead to asymmetric growth between organizations. This study aims to examine the mediating role of KM in the relationship between MC and innovative performance (IP) in 331 Health Provider Institutions (HPIs). The research reflective model was assessed through Partial Least Squares Structural Equation Modeling (PLS-SEM). According to the results, MC has a positive effect on IP, MC has a positive effect on KM, and KM has a positive effect on IP. Likewise, KM significantly mediates the relationship between MC and IP. Our findings support the importance of KM in addressing MCs in HPIs as it enables innovative practices to address CSR goals to achieve a sustainable impact. Moreover, this study contributes by expanding KM to contexts that are not usually studied, such as health in a South American country.

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