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dc.contributor.authorJebarajakirthy, Charles
dc.contributor.authorLobo, Antonio C.
dc.contributor.authorHewege, Chandana
dc.date.accessioned2018-09-04T23:27:40Z
dc.date.available2018-09-04T23:27:40Z
dc.date.issued2015
dc.identifier.issn1470-6423en_US
dc.identifier.doi10.1111/ijcs.12166en_US
dc.identifier.urihttp://hdl.handle.net/10072/172699
dc.description.abstractThe bottom of the pyramid (BOP) market comprises a huge customer size of approximately 4 billion globally; hence, segmentation is necessary within this market. The BOP market refers to an aggregate of customers who survive on relatively low‐income levels. In this respect, youth in war‐affected regions can be considered to be a segment of the BOP market. However, there is scant research on customers' attitudes and purchase behaviours in the BOP markets or segments therein. Hence, the purpose of this research is to investigate war‐affected youth's attitudes towards microcredit and the related drivers of these attitudes. The literature revealed four types of attitudes towards microcredit: positive affect, perceived benefits, perceived deterrents and default risk perceptions. Also, knowledge of microcredit and entrepreneurial desire were considered to be the drivers of these attitudes. A total of 795 valid completed surveys were collected from youth aged 18 and above who live in the Northern Province of Sri Lanka. The findings revealed that positive affect enhanced intentions to obtain microcredit, whereas perceived deterrents reduced them. Knowledge of microcredit enhanced attitudes towards microcredit. Also, entrepreneurial desire enhanced the association between positive affect and intentions to obtain microcredit and it decreased the negative association between perceived deterrents and intentions to obtain microcredit. The implications to theory and practice have been discussed which will go a long way in enhancing the attitudes towards microcredit among war‐affected youth and possibly those in the other segments of the BOP market.en_US
dc.description.peerreviewedYesen_US
dc.languageEnglishen_US
dc.publisherWiley-Blackwell Publishingen_US
dc.relation.ispartofpagefrom180en_US
dc.relation.ispartofpageto192en_US
dc.relation.ispartofissue2en_US
dc.relation.ispartofjournalInternational Journal of Consumer Studiesen_US
dc.relation.ispartofvolume39en_US
dc.subject.fieldofresearchConsumer-Oriented Product or Service Developmenten_US
dc.subject.fieldofresearchcode150501en_US
dc.titleEnhancing youth's attitudes towards microcredit in the bottom of the pyramid marketsen_US
dc.typeJournal articleen_US
dc.type.descriptionC1 - Peer Reviewed (HERDC)en_US
dc.type.codeC - Journal Articlesen_US
gro.hasfulltextNo Full Text


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