Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria
Social Exchange Theory highlights the possible mediating role perceived benefit in social and economic relationships, however, extent literature falls short is validating such theoretical insights in the context of Islamic microfinance. Following this theoretical insights the mediating role of perce...
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| Format: | Article |
| Language: | English |
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Università degli Studi di Torino
2020-08-01
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| Series: | European Journal of Islamic Finance |
| Subjects: | |
| Online Access: | https://www.ojs.unito.it/index.php/EJIF/article/view/4241 |
| _version_ | 1818446953437986816 |
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| author | Abdulsalam Mas’ud Isah Shittu Umar Bello Umar |
| author_facet | Abdulsalam Mas’ud Isah Shittu Umar Bello Umar |
| author_sort | Abdulsalam Mas’ud |
| collection | DOAJ |
| description | Social Exchange Theory highlights the possible mediating role perceived benefit in social and economic relationships, however, extent literature falls short is validating such theoretical insights in the context of Islamic microfinance. Following this theoretical insights the mediating role of perceived benefit on the relationship between perceived government support, religiosity, awareness and intention to accept Islamic micro-financing was examined. Quantitative research design through data collected from smallholder farmers in Jigawa state was employed; the data was analyzed using PLS-SEM. The finding revealed that perceived benefit mediates the relationship between perceived government support, religiosity, awareness and intention to accept Islamic micro-financing. It implied that perceiving the benefit is one of the mechanisms through which government support, religiosity and awareness influence intention to accept Islamic micro-financing. The study expands the understanding of TPB through the support of SET to explain the mediating effects of perceived benefits in the context of Islamic micro-financing. Thus, it will benefit policymakers in understanding that perceived benefit of Islamic micro-financing is a key to its acceptance, hence, the need for awareness campaigns, support services and religious preaching to that end. Implementing the finding will not only solve problem of access to finance among the smallholder farmers but also ease life through employment generation and poverty eradication. To the researchers’ knowledge, this work could be first to examine the mediating role of perceived benefit in the context of Islamic microfinance among the smallholder farmers with inferences from Social Exchange Theory. |
| first_indexed | 2024-12-14T19:55:55Z |
| format | Article |
| id | doaj.art-9952176bd0414a4e87a37d11df670b67 |
| institution | Directory Open Access Journal |
| issn | 2421-2172 2421-2172 |
| language | English |
| last_indexed | 2024-12-14T19:55:55Z |
| publishDate | 2020-08-01 |
| publisher | Università degli Studi di Torino |
| record_format | Article |
| series | European Journal of Islamic Finance |
| spelling | doaj.art-9952176bd0414a4e87a37d11df670b672022-12-21T22:49:18ZengUniversità degli Studi di TorinoEuropean Journal of Islamic Finance2421-21722421-21722020-08-0115111https://doi.org/10.13135/2421-2172/4241Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in NigeriaAbdulsalam Mas’ud0Isah Shittu1Umar Bello Umar2Tunku Puteri Intan Safinaz School of Accountancy Universiti Utara Malaysia 06010, Sintok, Kedah, MalaysiaDepartment of Accounting, Ahmadu Bello University Business School, Ahmadu Bello University-Zaria Kaduna State-NigeriaDepartment of Accountancy, College of Administration and Management Studies, Hussaini Adamu Federal Polytechnic, PMB 5004, Kazaure, Jigawa State, NigeriaSocial Exchange Theory highlights the possible mediating role perceived benefit in social and economic relationships, however, extent literature falls short is validating such theoretical insights in the context of Islamic microfinance. Following this theoretical insights the mediating role of perceived benefit on the relationship between perceived government support, religiosity, awareness and intention to accept Islamic micro-financing was examined. Quantitative research design through data collected from smallholder farmers in Jigawa state was employed; the data was analyzed using PLS-SEM. The finding revealed that perceived benefit mediates the relationship between perceived government support, religiosity, awareness and intention to accept Islamic micro-financing. It implied that perceiving the benefit is one of the mechanisms through which government support, religiosity and awareness influence intention to accept Islamic micro-financing. The study expands the understanding of TPB through the support of SET to explain the mediating effects of perceived benefits in the context of Islamic micro-financing. Thus, it will benefit policymakers in understanding that perceived benefit of Islamic micro-financing is a key to its acceptance, hence, the need for awareness campaigns, support services and religious preaching to that end. Implementing the finding will not only solve problem of access to finance among the smallholder farmers but also ease life through employment generation and poverty eradication. To the researchers’ knowledge, this work could be first to examine the mediating role of perceived benefit in the context of Islamic microfinance among the smallholder farmers with inferences from Social Exchange Theory.https://www.ojs.unito.it/index.php/EJIF/article/view/4241acceptance intentionawarenessgovernment supportislamic micro-financingperceived benefit |
| spellingShingle | Abdulsalam Mas’ud Isah Shittu Umar Bello Umar Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria European Journal of Islamic Finance acceptance intention awareness government support islamic micro-financing perceived benefit |
| title | Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria |
| title_full | Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria |
| title_fullStr | Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria |
| title_full_unstemmed | Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria |
| title_short | Mediation Role of Perceived Benefit in the Relationship between Perceived Government Support, Religiosity, Awareness and the Acceptance of Islamic Microfinancing in Nigeria |
| title_sort | mediation role of perceived benefit in the relationship between perceived government support religiosity awareness and the acceptance of islamic microfinancing in nigeria |
| topic | acceptance intention awareness government support islamic micro-financing perceived benefit |
| url | https://www.ojs.unito.it/index.php/EJIF/article/view/4241 |
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