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Developing a conceptual model is vital for small-scale organic farmer's credit access to sustain the livelihoods. However, smallholders continually face severe problems in getting finance that lead to reduce investment and in turn, challenges the livelihoods. Therefore, the aim of the present study was to establish and empirically test a theoretical model to explore how agility and innovativeness in organic food value chain finance are achieved through ITI, TRST, CG, ICT, and IS, and how these, in turn, can accelerate financial flow in the value chain and enhance competitiveness. The present study used a survey method and collected data from small-scale farmers, traders, and financial institutions. The model and hypothesis are tested using data obtained from 331 respondents through partial least square structure equation modeling techniques. We argue that development of theoretical model show potential to increase creditworthiness of smallholders and overcome uncertainties that impede traditional value chain credit arrangement. Thus, the present study could provide new ways to integrate the value chain partners, through information and communication technology and governance arrangements in the organic food value chain financing. This study demonstrates that the mediations of innovativeness and agility significantly affect the development of new financial products to make agile the financial flow, which in turn positively influences value chain competitiveness. Significant judgments are required for trustworthy relations among the value chain partners to positively harness innovative product development for swifter value chain finance. Therefore, this theoretical model should not be regarded as a quick solution, but a process of testing, error, and learning by doing so.

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Purpose This study aims to determine the non-economic factors that probably influence the Pakistani farmers to use Islamic finance for agricultural production. This paper analyzes the other religiosity and familial leadership constructs in the standard theory of planned behavior (TPB) model from the Islamic banking perspective. Design/methodology/approach Data were collected from 233 farmers using snowball sampling techniques and partial least square structural equation modeling used for data analysis. An additional qualitative analysis was conducted of seven respondents through semi-structured interviews to deepen into knowledge about Islamic banking. Findings The findings demonstrate that attitude, subjective norms, religiosity and familial leadership to use Islamic banking among the farmers play a primary motivating role in manipulating their behavioral intentions to use it. However, PBC negatively affected the behavior of farmers to use Islamic banking. Practical implications This study highlights the importance of emotional attachment between the farmers and Islamic financial products according to Shariah law. Therefore, Islamic banks need effective strategies for the development of innovative products in the agricultural sector according to the Shariah principle. Originality/value The research contributes to the area of Islamic banking, demonstrating that “familial leadership” significantly influences an individual’s behavior toward decision-making to use Islamic finance.

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