Risk Perception and Adoption of Joint Versus Individual Liability: The Case of Selected Tribes in Tanzania

Risk Perception and Adoption of Joint Versus Individual Liability: The Case of Selected Tribes in Tanzania

Dr. Pendo N.S. Kasoga

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The University of Dodoma

Risk Perception and Adoption of Joint Versus Individual Liability: The Case of Selected Tribes in Tanzania

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Abstract

Perceive risk is an important factor that influences the adoption intention. Perceived risk associated with the use of microfinance institutions lending model may adversely affect borrowers. Researchers had applied the concept of perceived risk with Technology Acceptance Model (TAM) to measure the use of information technology, but overlooked the use of TAM on microfinance institutions lending models. This study integrates TAM with the adoption of joint vs. individual liability. To address these challenges, a study was conducted from four ethnic groups namely, Gogo, Zaramo, Chagga and Kinga borrowed from PRIDE (T) and FINCA (T). Questionnaires were used to collect information. The Structural Equation Modeling was used to perform the analysis.

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Dr. Pendo N.S. Kasoga. 2015. \u201cRisk Perception and Adoption of Joint Versus Individual Liability: The Case of Selected Tribes in Tanzania\u201d. Global Journal of Management and Business Research - C: Finance GJMBR-C Volume 15 (GJMBR Volume 15 Issue C10): .

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GJMBR Volume 15 Issue C10
Pg. 39- 54

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

Keywords

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Classification

GJMBR-C Classification: JEL Code: O16

Submission ReceivedFebruary 8, 2015
Peer Review Double Blind
Handling Editor
Accepted March 3, 2015
Published March 15, 2015

Version of record

v1.2

Issue date

November 28, 2015

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Article Matrices

Total Score: 106

Country: Tanzania

Subject: Global Journal of Management and Business Research - C: Finance

Authors: Dr. Pendo N.S. Kasoga (PhD/Dr. count: 1)

View Count (all-time): 195

Total Views (Real + Logic): 4262

Total Downloads (simulated): 2006

Publish Date: 2015 11, Sat

Monthly Totals (Real + Logic):

Month 1: 46 views
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Total Views: 4262

Total Downloads: 2006

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