War affected youth as consumers of microcredit: An application and extension of the Theory of Planned Behaviour

Charles Jebarajakirthy and Antonio C. Lobo

Journal of Retailing and Consumer Services, 2014, vol. 21, issue 3, 239-248

Abstract: Youth in war-ravaged countries are particularly vulnerable, and one of their main challenges is finding employment. The majority of youth in such countries encounter limited access to capital supplied by traditional banking institutions. Thus, the purpose of this research is to identify war affected youth׳s Purchase Intentions of microcredit. The findings of this study will contribute towards encouraging youth in obtaining microcredit and fostering their entrepreneurial activities. The Theory of Planned Behaviour has been generally applied to predict Purchase Intentions, nevertheless we have used a modified version of this theory to design the conceptual model. 1603 responses were obtained from youth in war-affected areas of Sri Lanka. The findings revealed that Positive Affect and Self-Identity were predictors of Purchase Intentions; whereas Perceived Deterrents negatively influenced Purchase Intentions. Additionally, Entrepreneurial Desire seemed to enhance the association between Self-Identity and Purchase Intentions. Entrepreneurial Desire also directly influenced Purchase Intentions. Based on these findings, we have suggested implications to theory and practice so as to effectively market microcredit to youth in war-affected regions.

Keywords: Microcredit; Purchase Intention; Theory of Planned Behaviour; War affected youth; Entrepreneurial Desire (search for similar items in EconPapers)
Date: 2014
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (6)

Downloads: (external link)
http://www.sciencedirect.com/science/article/pii/S0969698914000162
Full text for ScienceDirect subscribers only

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:eee:joreco:v:21:y:2014:i:3:p:239-248

DOI: 10.1016/j.jretconser.2014.02.003

Access Statistics for this article

Journal of Retailing and Consumer Services is currently edited by Harry Timmermans

More articles in Journal of Retailing and Consumer Services from Elsevier
Bibliographic data for series maintained by Catherine Liu ().