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

Dr. Pendo N.S. Kasoga
Dr. Pendo N.S. Kasoga * §
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§ University of Dodoma University of Dodoma

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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. "Risk Perception and Adoption of Joint Versus Individual Liability: The Case of Selected Tribes in Tanzania". Global Journal of Management and Business Research - C: Finance GJMBR-C Volume 15 (GJMBR Volume 15 Issue C10).

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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

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

Dr. Kasoga
Dr. Kasoga University of Dodoma
  • Submission ReceivedFebruary 8, 2015
  • Peer Review Double Blind
    Handling Editor
  • Accepted March 3, 2015
  • Published March 15, 2015