Determinants of SMEs owner-manager behavioral intention towards usage of financial products

Evaluation of socio-psychological determinants of SMEs financial behavior have often been prescribed as an important research direction, particularly in developing economies. In accordance with the above, this study based in Pakistan investigated socio-psychological determinants of SMEs owner-manage...

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Main Author:	Rasheed, Rabia
Format:	Thesis
Language:	eng eng
Published:	2018
Subjects:	HD2709-2930.7 Corporations HD60 Small Business.
Online Access:	https://etd.uum.edu.my/7916/1/s95840_01.pdf https://etd.uum.edu.my/7916/2/s95840_02.pdf
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id	my-uum-etd.7916
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Abdul Rahman, Maria
topic	HD2709-2930.7 Corporations HD60 Small Business.
spellingShingle	HD2709-2930.7 Corporations HD60 Small Business. Rasheed, Rabia Determinants of SMEs owner-manager behavioral intention towards usage of financial products
description	Evaluation of socio-psychological determinants of SMEs financial behavior have often been prescribed as an important research direction, particularly in developing economies. In accordance with the above, this study based in Pakistan investigated socio-psychological determinants of SMEs owner-managers' attitude, subjective norms and perceived behavioral control towards usage of financial products. The antecedents of these socio-psychological determinants are depicted as motivation, awareness, perceived usefulness, perceived ease of use, perceived risk; social beliefs and religious beliefs; and self-efficacy. Moderating influences of demographic characteristics of owner-managers have also been analyzed in order to explain the scenario with enhanced precision and possibilities. The study proposed an extended model by combining Theory of Planned Behavior (TPB) and Technology Acceptance Model towards understanding financial behavior of SME owner-managers. Relying on a survey research design, and following a stratified sampling method, 375 SMEs owner-managers were surveyed from Punjab province of Pakistan. Descriptive analysis was done using SPSS, and inferential analysis using Smart PLS 3.2.2. The findings revealed that awareness, perceived usefulness, perceived ease of use, social and religious beliefs possess significant positive relationships with owner-manager attitude and subjective norms which further significantly predicts behavioral intention. However, perceived risk was found to have a significant negative influence on the attitude of SMEs owner-manager. The results revealed that gender exerts no moderation effect on attitude, subjective norms and perceived behavioral control whereas age, education and experience moderate the relationship of attitude only. As SMEs owner-managers exhibit serious concern towards formal financial products usage, it is recommended to the financial institutes that they ensure fairness in their offerings, marketing communications and the way they make products available to SMEs owner-manager. It is also suggested that policy must focus to create awareness among SMEs regarding financial products availability and usefulness, in addition to instituting desirable regulations.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Rasheed, Rabia
author_facet	Rasheed, Rabia
author_sort	Rasheed, Rabia
title	Determinants of SMEs owner-manager behavioral intention towards usage of financial products
title_short	Determinants of SMEs owner-manager behavioral intention towards usage of financial products
title_full	Determinants of SMEs owner-manager behavioral intention towards usage of financial products
title_fullStr	Determinants of SMEs owner-manager behavioral intention towards usage of financial products
title_full_unstemmed	Determinants of SMEs owner-manager behavioral intention towards usage of financial products
title_sort	determinants of smes owner-manager behavioral intention towards usage of financial products
granting_institution	Universiti Utara Malaysia
granting_department	School of Business Management
publishDate	2018
url	https://etd.uum.edu.my/7916/1/s95840_01.pdf https://etd.uum.edu.my/7916/2/s95840_02.pdf
_version_	1747828287836520448
spelling	my-uum-etd.79162021-08-11T06:41:27Z Determinants of SMEs owner-manager behavioral intention towards usage of financial products 2018 Rasheed, Rabia Abdul Rahman, Maria School of Business Management School of Business Management HD2709-2930.7 Corporations HD60 Small Business. Evaluation of socio-psychological determinants of SMEs financial behavior have often been prescribed as an important research direction, particularly in developing economies. In accordance with the above, this study based in Pakistan investigated socio-psychological determinants of SMEs owner-managers' attitude, subjective norms and perceived behavioral control towards usage of financial products. The antecedents of these socio-psychological determinants are depicted as motivation, awareness, perceived usefulness, perceived ease of use, perceived risk; social beliefs and religious beliefs; and self-efficacy. Moderating influences of demographic characteristics of owner-managers have also been analyzed in order to explain the scenario with enhanced precision and possibilities. The study proposed an extended model by combining Theory of Planned Behavior (TPB) and Technology Acceptance Model towards understanding financial behavior of SME owner-managers. Relying on a survey research design, and following a stratified sampling method, 375 SMEs owner-managers were surveyed from Punjab province of Pakistan. Descriptive analysis was done using SPSS, and inferential analysis using Smart PLS 3.2.2. The findings revealed that awareness, perceived usefulness, perceived ease of use, social and religious beliefs possess significant positive relationships with owner-manager attitude and subjective norms which further significantly predicts behavioral intention. However, perceived risk was found to have a significant negative influence on the attitude of SMEs owner-manager. The results revealed that gender exerts no moderation effect on attitude, subjective norms and perceived behavioral control whereas age, education and experience moderate the relationship of attitude only. As SMEs owner-managers exhibit serious concern towards formal financial products usage, it is recommended to the financial institutes that they ensure fairness in their offerings, marketing communications and the way they make products available to SMEs owner-manager. It is also suggested that policy must focus to create awareness among SMEs regarding financial products availability and usefulness, in addition to instituting desirable regulations. 2018 Thesis https://etd.uum.edu.my/7916/ https://etd.uum.edu.my/7916/1/s95840_01.pdf text eng public https://etd.uum.edu.my/7916/2/s95840_02.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Abadi, H. R. D., Ranjbarian, B., & Zade, F. K. (2012). 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