Personal Characteristics and Banking Behaviour of Customers: Further Evidence from Usmanu Danfodiyo University Sokoto-Nigeria

Aliero, Haruna Mohammed; Aliero, Ibrahim Hussaini; Zakariyya’u, Sulaiman

doi:10.20448/2002.11.1.6

Cited by 4 publications

(2 citation statements)

References 5 publications

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“…There is great competition in a financial sector; everyone tries to do their best for the well-being of people to obtain a competitive advantage (Aliero et al , 2018). Many organizations have focused on providing all resources and instruments that positively uplift FWB and ultimately create an advantage over competitors.…”

Section: Introductionmentioning

confidence: 99%

How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy

Rehman

Latif

Mohsin

et al. 2021

BPMJ

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PurposeThe basic intention of this research is to investigate the role of information transparency of financial institutions and psychological attitude of the individuals toward their attention to saving and borrowing. This study also tries to know how an individual's psychological factor affects a person's attitude to motivate them to save or borrow and contribute to well-being by giving them confidence that they can face financial challenges. So, the main concern of this study is to explore different factors that ultimately contribute to the financial well-being (FWB) of individual.Design/methodology/approachA survey was conducted by using a well-structured questionnaire to collect data and test the developed hypotheses by using SmartPLS. Data were collected from 120 customers of seven different commercial banks in Pakistan.FindingsThe findings of this study show that perceived information transparency positively affects FWB. It is also because transparent shared information creates positive change in individuals' perceived self-efficacy and leads to FWB. Furthermore, an individual's psychological attitude toward borrowing and saving did not contribute to the FWB of people who belong to Pakistan.Research limitations/implicationsThe research area is limited to one city of Pakistan and analysis is done with small numbers of sample, it can be increased and more areas can be explored.Practical implicationsThis research provides significant implications for people and economists by providing awareness about the antecedents of FWB. The policymakers or managers who work in financial institutions should provide more transparent information and create less risky opportunities to improve the individual's well-being. If person, manager and financial institution can properly utilize the information of this study, then they are able to improve their FWB. By providing more transparent services and favorable experience with your dealings, it could help to obtain and retain more loyal internal (employees) and external customers. The loyal customers and sincere employees can increase the productivity level of organization. The more productive organizations in countries means better society and progress in the economy.Originality/valueThis research contributes to the body of knowledge that how perceived information transparency and psychological attitude of borrowing create improvement and upward changes in the FWB of a person.

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Section: Introductionmentioning

confidence: 99%

How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy

Rehman

Latif

Mohsin

et al. 2021

BPMJ

View full text Add to dashboard Cite

show abstract

“…The whole plant is toxic, with latex having strongest effect when used against cough and ringworm (Michel, 2004). In Northern Nigeria, particularly, Kebbi, Sokoto and Zamfara States, the latex, leaves, root, stem bark and fresh follicles of C. procera are used in indigenous practice to treat tropical fungal diseases, convulsion, asthma, cough and inflammation (Aliero et al, 2001). The plant Ficus gnaphalocarpa belongs to the family Moraceae and found occurring in most tropical and Subtropical forests worldwide (Berg, 1999).…”

Section: Introductionmentioning

confidence: 99%

Comparative Study on Antifungal Effects of Calotropis procera and Ficus gnaphalocarpa Latex against Tinea capitis

Keta J.N,

Manga, S.S.,

Keta, M.N.

et al. 2018

UJMR

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This study was conducted to evaluate and compare the antifungal activities of Calotropis procera and Ficus gnaphalocarpa latex against three scalp ring worms; Epidermophyton floccosum, Trichophyton rubrum and Microsporum canis using agar well diffusion method at 1.3 and 1.4ml latex concentrations. The plants latex was obtained at Rafin Guzuma and Giwa tazo village’s farms at Maiyama Local Government Area of Kebbi State. Scalp ringworm samples were collected from pupils in (5) five Model Primary Schools within the study Area namely: Muhammadu Bello Dunbegu, Giwa tazo, Rafin Guzuma, Gidiga and Saran dosa Model Primary Schools. The antifungal assay results portrayed broad spectrum activity against the three dematophytes: Epidermophyton floccosum, Trichophyton rubrum and Microsporum canis tested with comparable inhibitory zones ranged from 13.28 to 16.10mm for C. procera latex and 14.09 to 18.10mm for F. gnaphalocarpa latex as compared with the positive control (Griseofulvin). The study conducted revealed that, F. gnaphalocarpa latex has higher antifungal effect compared to C. procera latex on the test organisms.

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Assessment of the Heterogeneity Influencing the Superior of Non-Banking Finance Company for Assisting Consumer Durable Loans

2021

CJBIS

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Customers purchasing behavior has changed radically in the course of the most recent couple of years. The study aimed to identify major factors determining consumer's choice rules of the non-banking financial company (NBFC) for availing consumer durable loans (CDLs). Essential information was gathered from 100 respondents by utilizing a survey including eight factors, recognized dependent on an audit of writing. Principal Component Analysis (PCA) was utilized as an extraction strategy by utilizing factor analysis. Three factors were isolated by using Eigenvalues standards and these three factors were assigned names such as service delivery, terms & conditions, and safety and security of fund respectively. It was suggested from the study that the non-banking financial companies aimed to expand their business should take cognizance of these factors in their marketing strategies.

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Personal Characteristics and Banking Behaviour of Customers: Further Evidence from Usmanu Danfodiyo University Sokoto-Nigeria

Cited by 4 publications

References 5 publications

How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy

How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy

Comparative Study on Antifungal Effects of Calotropis procera and Ficus gnaphalocarpa Latex against Tinea capitis

Assessment of the Heterogeneity Influencing the Superior of Non-Banking Finance Company for Assisting Consumer Durable Loans

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