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dc.contributor.authorJebarajakirthy, Charles
dc.contributor.authorLobo, Antonio
dc.date.accessioned2018-09-04T23:35:34Z
dc.date.available2018-09-04T23:35:34Z
dc.date.issued2015
dc.identifier.issn0969-6989
dc.identifier.doi10.1016/j.jretconser.2014.12.005
dc.identifier.urihttp://hdl.handle.net/10072/172698
dc.description.abstractThere are several types of services which are marketed to the bottom of pyramid (BOP) market. One of these is Microcredit, which is exclusively designed to provide credit access to customers in the BOP market. In recent times, it has been suggested that segmentation is necessary within BOP markets. In this respect, war-affected youth can be considered to be a segment of the BOP market. So, the main aim of this study is to investigate war-affected youth׳s attitudes towards microcredit and relevant drivers of these attitudes. Positive Affect, Perceived Benefits, Perceived Deterrents and Default Risk Perceptions have been considered as varied types of attitudes towards obtaining microcredit. The sample comprised 1250 youth selected from the Northern Province of Sri Lanka. Surveys were administered to facilitate data collection. The findings suggest that Positive Affect enhanced intentions of obtaining microcredit, whereas Perceived Deterrents reduced them. Also, Knowledge of Microcredit and Family Norms influenced these attitudes, whilst Entrepreneurial Desire acts as a moderator for the association between these attitudes and intentions of obtaining microcredit. From these findings, implications for theory and practice have been discussed.
dc.description.peerreviewedYes
dc.languageEnglish
dc.language.isoeng
dc.publisherElsevier
dc.relation.ispartofpagefrom39
dc.relation.ispartofpageto48
dc.relation.ispartofjournalJournal of Retailing and Consumer Services
dc.relation.ispartofvolume23
dc.subject.fieldofresearchConsumer-Oriented Product or Service Development
dc.subject.fieldofresearchBusiness and Management
dc.subject.fieldofresearchMarketing
dc.subject.fieldofresearchTourism
dc.subject.fieldofresearchcode150501
dc.subject.fieldofresearchcode1503
dc.subject.fieldofresearchcode1505
dc.subject.fieldofresearchcode1506
dc.titleA study investigating attitudinal perceptions of microcredit services and their relevant drivers in bottom of pyramid market segments
dc.typeJournal article
dc.type.descriptionC1 - Articles
dc.type.codeC - Journal Articles
gro.hasfulltextNo Full Text
gro.griffith.authorJebarajakirthy, Charles P.


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