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dc.contributor.authorJebarajakirthy, Charles
dc.contributor.authorLobo, Antonio
dc.contributor.authorHewege, Chandana
dc.date.accessioned2018-09-04T23:27:40Z
dc.date.available2018-09-04T23:27:40Z
dc.date.issued2015
dc.identifier.issn1470-6423
dc.identifier.doi10.1111/ijcs.12166
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.
dc.description.peerreviewedYes
dc.languageEnglish
dc.publisherWiley-Blackwell Publishing
dc.relation.ispartofpagefrom180
dc.relation.ispartofpageto192
dc.relation.ispartofissue2
dc.relation.ispartofjournalInternational Journal of Consumer Studies
dc.relation.ispartofvolume39
dc.subject.fieldofresearchConsumer-Oriented Product or Service Development
dc.subject.fieldofresearchMarketing
dc.subject.fieldofresearchcode150501
dc.subject.fieldofresearchcode1505
dc.titleEnhancing youth's attitudes towards microcredit in the bottom of the pyramid markets
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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