Analysis of the intention to use loan facilities from formal financial institutions for large chili farmers through the theory of planned behavior approach

As the number of smart phone users and the popularity of Internet among people are growing day by day in Bangladesh, it became necessary for Bangladeshi local banks to provide mobile banking services to their customers. Therefore, this study seeks to identify the crucial and determining factors that may affect the intention of customers to use mobile banking services. The sample size in this study is 91, in which majority are the students of Business Studies. All respondents have mobile banking at the time of the survey. The samples in the study were mainly drawn from the private university students (i.e. Business Administration students) and faculty members, and some bank officers participated as sample respondents in this study. A non-probability random sampling method is applied, and a 5% significance level is used to accept the hypotheses. Cronbach alpha (α) of 0.7 and above is considered to measure the reliability of the item wise variables. This study examines six variables (perceived usefulness, perceived ease of use, trust, security, perceived privacy, and technology competency) to analyze their impact on the behavioral intention of banking customers to use mobile banking services. Three variables, namely perceived usefulness, security, and technology competency, are found to be significant predictors of customers’ intent to use mobile banking in Bangladesh. For analytical purposes, SPSS version 23.0 is used to test hypotheses. The paper also provides significant implications for bank managers to increase the adoption of mobile banking for their sustainability.

Indonesia is a country with the largest Muslim population in the world. However, since the Islamic banks were being established in Indonesia for about 20 years, their market share only accounts for about 5% in the Indonesian banking system. Muslim participations in using Islamic bank are relatively low. This study expands the Theory of Planned Behavior by adding the variables of religiosity and self-efficacy. Previous studies have not examined this new expanded model to analyze customers who participated in using the saving Islamic bank’s products and services. Based on 220 Islamic bank consumers who participated in the study, the study indicated that questionnaires about religiosity and self-efficacy had good external validity and could be adapted for the Indonesian culture context. The most interesting finding was that the religiosity variable strongly enhanced the use of Islamic banks. Similarly, this study found that the self-efficacy variable improved an intention of customers to participate in the Islamic banking system. This paper also discusses the implications of the findings and recommendations for future studies.

This study aims to examine the effect of tourism image, experiential value, and satisfaction on the intention of revisiting the tourist area. The present study used associative analysis to ascertain the link between two or more variables. The study is being conducted in North Sumatera province, Indonesia, specifically in the tourist area of Lake Toba. The research population is comprised of an undetermined number of tourists that visited the tourist area around Lake Toba. The sample size of 324 was determined, which was obtained by multiplying the least number of samples by four or five questionnaire item categories. An accidental sampling approach was employed in this study, and data processing was performed using descriptive and inferential statistics and Smart-PLS software. The empirical findings indicate that although the tourism image has a significant and positive impact on experiential satisfaction, the direct effect of experiential value has a negative value on experiential satisfaction. Moreover, through tourism experiential satisfaction, experiential value has a negative value on intentions to revisit the destination. On the other hand, the indirect relationship between the tourism image and the intention to revisit through tourism experiential satisfaction has a positive value.

Acknowledgment
We would like to express our gratitude to the Ministry of Education and Culture’s Directorate of Research and Community Service for funding this study via the “Higher Education Excellent Basic Research Grant Fund” program.