Volume 4 Number 4 Pages 129-170 | |||
Open Access Article | |||
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Ramification of crowdfunding on Bangladeshi entrepreneur’s self-efficacy
, Pages: 129-138 Abu Shams Mohammad Mahmudul Hoque, Zainudin Bin Awang, Habsah Muda, and Fauzilah Salleh PDF (650K) |
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Abstract: The novel funding sources turn out to be important for the Small and Medium Enterprises (SMEs) sector all over the world especially after 2007-2008 world financial crisis. Thus, to develop a new business idea and start-ups, SMEs need a sufficient amount of capital. However, after the financial crisis in 2008, SME sector faced the challenges of attracting new capital. Therefore, an innovative method of fundraising for SME was introduced as crowdfunding. Crowdfunding indicates financing a project or an idea via the internet owing the help from the many investors or donors of a society. Since there are limited works about the influence of Crowdfunding on Entrepreneur Self-efficacy (ESE), hence, to minimize the research gap and to achieve the objective of the study, we conduct a quantitative research among 190 entrepreneurs in Bangladesh using crowdfunding based on Social Cognitive theory. The data were analyzed using Structural Equation Modeling (SEM) in IBM-SPSS-Amos 25.0 and the stated hypotheses were tested. The study found a direct and positive effect of Crowdfunding on Entrepreneur’s Self-efficacy (β=0.924, P=.001). Overall, the result has landed support for crowdfunding, which indicates that it can influence on self-efficacy of entrepreneur. In order to determine the need of crowdfunding, we have explained and statistically demonstrated how crowdfunding can provide a supplementary channel where firms can gain finance and to create self-efficacy of entrepreneurs through exploiting the potential of internet. DOI: 10.5267/j.ac.2018.4.001 Keywords: Crowdfunding, Entrepreneur Self-efficacy, Structural Equation Modeling (SEM)
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Open Access Article | |||
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A structural equation model for evaluating user’s intention to adopt internet banking and intention to recommend technology
, Pages: 139-152 Samar Rahi, Mazuri Abd. Ghani and Abdul Hafaz Ngah PDF (650K) |
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Abstract: Although several prior research projects have focused on the factors that impact on the adoption of information technology, there are limited empirical research works that simultaneously capture technology factors (UTAUT2) and customer specific factors (perceived technology security and intention to recommend) helping users adopt internet banking. Thus, the current study aims to develop an integrated technology adoption model with extended UTAUT model and perceived technology security to predict and explain user’s intention to adopt internet banking and intention to recommend internet banking in social networks. A quantitative approach based survey was conducted to collect the data from 398 internet banking users. For statistical analysis, structural equation model (SEM) approach was used. Convergence and divergence with earlier findings were found, confirming that performance expectancy, effort expectancy, social influence, hedonic motivation and perceived technology security had significant influence on user’s intention to adopt internet banking. Additionally, IPMA analysis show that among all constructs hedonic motivation and perceived technology security had the highest impact on user’s intention to adopt internet banking. For researcher, this study provides a basis for further refinement of technology adoption model while for practitioner improving security factor (perceived technology security) may turn users towards adoption of internet banking. DOI: 10.5267/j.ac.2018.3.002 Keywords: Internet Banking, UTAUT2, Perceived Technology Security, Intention to Recommend, Structural Equation Modeling (SEM)
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Open Access Article | |||
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E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria
, Pages: 153-160 Haadi Babatunde Asiyanbi and Ajibola Abdulrahamon Ishola PDF (650K) |
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Abstract: This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100) bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%), internet banking (85%), electronic transfer (97%). Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services. DOI: 10.5267/j.ac.2018.3.001 Keywords: E-banking, Customer satisfaction, e-transactions, Service quality, Ibadan metropolis
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Open Access Article | |||
4. |
Financial accountability, ethical issues and organizational citizenship behavior in fragile economic systems: The case of the Nigerian economy
, Pages: 161-170 Remi Chukwudi Okeke and Linda Oluchi Nwankpa PDF (650K) |
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Abstract: The general objective of this study is to examine the relationship among financial accountability, ethical issues and organizational citizenship behaviour, in a national economic system. The null hypothesis of the study examined the inverted trajectories of the variables. The work is situated within the context of Nigeria’s national economy, which typifies a fragile economic system. We have argued in the work that the fragility of the Nigerian national economic system (which is representative of similar economies among developing nations) is a function of its input-output processes. The study essentially finds that to reverse the trend of fragility in an economic system (a national economic system) in the context of developing economies, the issues of financial accountability, ethical questions and great organizational citizenship behaviour must in their combinatory format, be elevated to the status of a national imperative. We found in the work, that ethical regeneration is antecedent to institutional reform, in the schemata of mechanisms, for reversing the tendency of fragility, in troubled economic systems, classifiable as developing or underdeveloped. DOI: 10.5267/j.ac.2018.2.001 Keywords: Financial accountability, Ethical issues, Organizational citizenship behavior, Fragile economic systems
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