Squares-structural Equation Modeling Research Articles

The future of personal electric mobility in emerging economies: A survey of e-moto users in Vietnam

Decarbonizing private transport is crucial in the highly polluted cities of low- and middle-income countries, such as Vietnam. In motorcycle-dominated megacities, this means gradually converting the conventional motorcycle fleet into e-motos. In this study set in Hanoi, we examined the factors that explain existing e-moto riders' attachment to this mode. For this purpose, we built a novel theoretical framework called VEMM (Values and Expectations in Mobility Model), which combines the constructs of the Expectation Confirmation Model (ECM) and the Value-Based Adoption Model (VBAM). Survey data collected from 481 e-moto users in Hanoi were analysed by applying a Partial Least Squares Structural Equation Model (PLS-SEM). We find that the enduring intention to use e-motos is positively related to perceived value, user satisfaction, and perceived usefulness. We controlled for riders' gender, age, education, and living area but only education was statistically significant. Overall, we found that the perceived value of e-motos owes more to the perceived benefits (usefulness, enjoyment, and eco-friendliness) than the perceived costs (risk, price, technicality, habit, and stigma) of this mode. Based on these findings, we recommend that manufacturers consider the critical role of values when designing and promoting e-motos.

What influences the on-site recycling behaviour of C&D plastic waste in Australia? An action determination model approach

While the recycling of construction waste has received widespread attention, plastic waste generated at construction sites has been overlooked. At the same time, existing studies on pro-environmental behaviour have only considered practical knowledge of implementing recycling, while ignoring the possible impact of circular economy knowledge on recycling behaviour. This study investigates on-site personnel's behaviour regarding C&D plastic waste recycling through the lens of the comprehensive action determination model (CADM), which uniquely incorporates behaviour as a key variable and extends with moderating effect of knowledge of the circular economy. Utilizing Partial Least Squares Structural Equation Modelling (PLS-SEM), results indicate that perceived behavioural control is the most substantial factor influencing recycling behaviour of plastic waste on construction sites rather than intention. This is in stark contrast to existing pro-environmental behaviours research and reflects the importance of providing resources and encouragement to increase personnel's confidence in performing recycling behaviours on site, contributing more to actual behaviours than intention. Key areas for improvement were identified, including management encouragement, resource allocation (site area, timeline, budget), and recycling training. Contrary to expectations, awareness of the circular economy did not statistically significantly moderate the predictors of recycling behaviour and intentions, perhaps because participants had limited knowledge of plastic consumption and recycling rates in the construction industry. As construction personnel become more familiar with the circular economy, future research should re-evaluate these moderating effects and consider conducting categorical moderation analyses with larger sample sizes, incorporating variables such as work experience, project type, and project phase.

Patient safety culture as a mediator between healthcare personnel's psychological empowerment and patient outcome

Preventing healthcare errors and reducing damage are becoming the basic concepts of patient safety development. Healthcare personnel need to be more careful and minimize complications that can occur during patient care. Psychological empowerment is important to support a safety culture and patient outcomes. This study investigates the relationship between psychological empowerment (PE) and patient outcome (PO) mediated by patient safety culture (PSC). A cross-sectional survey study was conducted in private hospitals accredited by Joint Commission International. A total of 150 healthcare personnel as participants who met the requirements were obtained by distributing the questionnaires in March 2023. Significant results in mediating patient safety culture have been analyzed using partial least square-structural equation modeling (SEM). The dimensionality of PE and PSC was assessed by a new method that is a disjoint two-stage approach. The role of PSC was found to fully mediate the positive relationship between psychological empowerment and patient outcome (=0.436, p-value 0.05). This study contributes to growing the value of developing a safety culture and the function of psychological empowerment in healthcare staff to enhance patient outcomes.

An empirical analysis of user intention to use chatbots for airline tickets consultation

Purpose This study aims to empirically analyze the factors influencing users’ intention to use chatbots for airline ticket consultation. It seeks to introduce a comprehensive framework based on the technology acceptance model (TAM) that integrates key factors alongside traditional TAM constructs to understand what drives behavioral intention to use chatbots in the context of airline ticket consultation. Design/methodology/approach The study uses the partial least squares-structural equation modeling (PLS-SEM) approach to validate the proposed model empirically. Data were collected through a survey questionnaire distributed to potential users in Saudi Arabia, with 393 valid responses from a total of 409 received being included in the analysis. Findings The empirical analysis confirms the significance of perceived usefulness and user satisfaction as direct determinants of behavioral intention. Additionally, it reveals that factors such as perceived ubiquitous access, perceived completeness, perceived accuracy, perceived unbiased response and perceived convenience have both direct and indirect significant impacts on the behavioral intention to use chatbots for airline ticket consultation. Originality/value This research advances theoretical understanding and holds practical implications for designing and implementing effective chatbot services. By investigating the complex interplay of these factors, the study makes substantive contributions to both theoretical advancements and practical applications in the field, particularly in enhancing the user experience and acceptance of chatbots for airline ticket consultations.

The impact of logo change on brand loyalty with the mediating role of brand attitude

PurposeThis research examines the impact of logo changes within rebranding strategies, with a focus on the recent logo transformation of Burger King. Redesigns of logos often reflect shifts in brand strategies and consumer preferences. This study aims to evaluate the effects of logo changes on brand loyalty with the mediating role of brand attitude.Design/methodology/approachThis study investigates the influence of Burger King’s logo change on consumer behavior, specifically regarding brand loyalty. The research involves an analysis of the appropriateness and familiarity of the old and new Burger King logos, based on data collected from 468 Egyptian consumers. Statistical analysis is conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess the impact of logo changes on consumer loyalty.FindingsThe findings indicate that a change in logo can positively affect brand loyalty, particularly when the new logo is perceived as both appropriate and familiar to consumers. Additionally, the study highlights the mediating role of brand attitude, suggesting that favorable brand perceptions enhance the relationship between logo changes and consumer loyalty.Practical implicationsThe practical implications of this study highlight key strategies for brand managers involved in rebranding efforts and the associated risks of such processes. Ensuring logo appropriateness and maintaining elements of familiarity are crucial to fostering consumer acceptance and loyalty.Originality/valueThis study highlights the important role of logo change “logo appropriateness and familiarity,” offering a new perspective on how aligning logos with brand identity and retaining familiar elements can enhance consumer acceptance and loyalty with the presence of brand attitude as a mediator in this relationship.

Exploring the impact of device ownership, usage patterns, and technology proficiency on mobile learning among higher education students: a multi-faceted study

This study explores the impact of device ownership, frequency of use, and technology proficiency on integrating mobile technologies (IMT) in learning by students in higher education institutions (HEIs) in Ghana. The objective is to understand how these factors are influenced by demographic variables such as age, gender, and program of study. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 457 students selected with a disproportionate stratified sampling technique across multiple HEIs offering STEM programs to analyse these relationships. The results demonstrated that technology proficiency significantly enhances the integration of mobile technologies into learning. It was noted that device ownership alone was insufficient to improve technology proficiency; frequent and effective usage was more essential. Additionally, gender and program of study moderated the effects of device ownership and frequency of use on technology proficiency. These findings highlight the importance of promoting effective usage patterns and advancing technology proficiency to integrate mobile technologies in educational settings better. It is recommended that HEIs focus on providing training programs to staff to integrate more learning activities that promote frequent use of mobile technologies in academic activities to enhance students' technology proficiency.

Impact of Paddy Field Expansion on Ecosystem Services and Associated Trade-Offs and Synergies in Sanjiang Plain

In recent decades, the integrity and security of the ecosystem in the Sanjiang Plain have faced severe challenges due to land reclamation. Understanding the impact of paddy field expansion on regional ecosystem services (ESs), as well as revealing the trade-offs and synergies (TOS) between these services to achieve optimal resource allocation, has become an urgent issue to address. This study employs the InVEST model to map the spatial and temporal dynamics of five key ESs, while the Optimal Parameter Geodetector (OPGD) identifies primary drivers of these changes. Correlation analysis and Geographically Weighted Regression (GWR) reveal intricate TOS among ESs at multiple scales. Additionally, the Partial Least Squares-Structural Equation Model (PLS-SEM) elucidates the direct impacts of paddy field expansion on ESs. The main findings include the following: (1) The paddy field area in the Sanjiang Plain increased from 5775 km2 to 18,773.41 km2 from 1990 to 2020, an increase of 12,998.41 km2 in 40 years. And the area of other land use types has generally decreased. (2) Overall, ESs showed a recovery trend, with carbon storage (CS) and habitat quality (HQ) initially decreasing but later improving, and consistent increases were observed in soil conservation, water yield (WY), and food production (FP). Paddy fields, drylands, forests, and wetlands were the main ES providers, with soil type, topography, and NDVI emerging as the main influencing factors. (3) Distinct correlations among ESs, where CS shows synergies with HQ and SC, while trade-offs are noted between CS and both WY and FP. These TOS demonstrate significant spatial heterogeneity and scale effects across subregions. (4) Paddy field expansion enhances regional SC, WY, and FP, but negatively affects CS and HQ. These insights offer a scientific basis for harmonizing agricultural development with ecological conservation, enriching our understanding of ES interrelationships, and guiding sustainable ecosystem management and policymaking.

Investigating young consumers’ acceptance of hemp fiber textiles and apparel: an analysis of Partial Least Squares Structural Equation Modeling

Purpose Concerns over environmental degradation, alongside the global legalization of hemp cultivation, have prompted applications of hemp-derived textile products. However, research examining consumers’ acceptance of such products is lacking. It is critical to understand how young consumers adopt these products as they prioritize sustainability and lead the future purchasing power. Thus, this study aims to investigate young consumers’ perceptions, attitudes, and purchase intentions regarding hemp fiber textiles and clothing based on the Theory of Consumption Value and the Spiral of Silence Theory. Design/methodology/approach A US-based research company was hired to recruit survey participants, yielding 314 valid data. Data analysis, including Exploratory Factor Analysis and Partial Least Squares Structural Equation Modeling, was conducted using the R programming language and RStudio software. Findings Purchase intentions of hemp-based clothing and textiles among young consumers are influenced by attitude, perceived social value and future trend perception. Perceived social value also impacts attitude and future trend perception. High environmental involvement correlates with positive attitudes. Consumers’ subjective knowledge of hemp and objective knowledge regarding hemp fiber impact their perceptions of future trends in such products. Originality/value This research represents a seminal consumer study focusing on the resurgence of industrial hemp fiber textiles and clothing. This study empirically validates the significant role of social factors in young consumer acceptance of such products at both personal and societal levels. This study expands current knowledge and provides actionable insights for practitioners.

Determinants of Employee Innovative Work Behavior

The objective of this study is to examine the direct and indirect effects of resilience, transformational leadership, competence, and religious attitudes on innovative work behavior. The data were collected using a questionnaire. The population in this study was 1491 employees. A total of 579 employees participated were subjected to statistical analysis using Partial Least Square-Structural Equation Modeling (PLS-SEM). The findings indicate that the resilience, transformational leadership, and competence have a direct effect on the innovative work behaviour. Similarly, the competence and transformational leadership are also found to have a direct effect on the resilience. However, the religious attitudes have no direct effect on either transformational leadership or resilience. Further, the resilience plays a mediating role in the indirect effect of competence and transformational leadership on the innovative work behavior. In contrast, the resilience fails to mediate the indirect effect between religious attitudes and innovative work behavior. These empirical findings highlight the significant influence of determinants of innovative work behavior.

Impact of TQM Practices on SMEs Performance in Pakistan: Information Technology Turbulence as a Moderator

The purpose of this paper is to investigate the impact of Total Quality Management (TQM) practices on the performance of Small and Medium Enterprises (SMEs) in Pakistan. This study considered how Information Technology Turbulence (ITT) by acting as a moderating factor in the era of technological advancements influenced the firm’s performance. The study compared the export performance of SMEs in the sports goods manufacturing sector over the last five years till 2021. About 361 questionnaires were chosen at random for study those were distributed and personally collected, the collected data analysed by using the Partial Least Squares Structural Equation Modelling (PLS-SEM). The research indicated that ITT moderated the association of practicing features of TQM as a major player with the SMEs’ performance. These revelations provided a better understanding of how TQM practices together with ITT affected SME performance, which is beneficial for researchers and policymakers. The researcher used a quantitative approach based on cross-sectional data. The conceptual model in this study intends to propose TQM practices as exogenous and ITT as a moderating variable on the performance of SMEs. This study will be useful for people in strategic positions to make decisions by providing a working ground on factors significance to enhance the SMEs’ performance.

The Influence of Multiple Factors on Musicology Doctoral Students’ Academic Performance: An Empirical Study Based in China

As doctoral education evolves globally, the focus intensifies on doctoral candidates’ academic performance and psychological well-being. Previous research has studied the effects of individual, societal, and environmental factors on students’ academic achievements. However, there is still a lack of investigation into how these factors interact, especially in the domains of arts. This study surveyed 213 Chinese musicology doctoral students and adopted Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate how various factors affect academic and mental health outcomes. The analysis shows that factors including teacher support, student engagement, and well-being positively influence academic performance, while academic anxiety negatively impacts academic performance. Moreover, variables help diminish academic anxiety, encompassing self-efficacy, parental support, time management skills, and student engagement. Meanwhile, enhanced doctoral students’ well-being is related to robust teacher support, facilitating conditions, and active student engagement. Notably, students who experience academic anxiety about their studies generally have lower well-being. These findings indicate that alleviating academic anxiety, refining academic resources, and reinforcing mental health supports can foster academic and psychological outcomes for doctoral students. Our study contributes vital empirical data to developing higher education policies, benefiting doctoral students’ mental health and academic success.

Leveraging AI-enhanced and emerging technologies for pedagogical innovations in higher education

AbstractThis study examines the influence of AI-powered and emerging technologies on pedagogical practices in higher education, focusing on their role on behavioural intention (BI) and actual usage among educators and students. The research hypothesises that the relationship between each Unified Theory of Acceptance and Use of Technology (UTAUT) constructs - Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC) - and BI to use AI is mediated by Attitude towards AI. Additionally, it explores the mediation of the relationship between Technological, Organisational, and Environmental (TOE) framework and BI to use AI by Attitude towards AI. Furthermore, it hypothesises that the relationship between UTAUT constructs, and the actual Usage of AI is mediated by BI. Data were collected from 115 respondents through a survey measuring perceptions of UTAUT and technology-organisation-Environment (TOE) constructs. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to analyse the data, alongside PLS-Multi-Group Analysis (PLS-MGA) to explore gender differences. The key results indicated that PE and EE significantly influenced Attitude towards AI (F = 14.861 and F = 33.887, respectively), which in turn significantly influenced BI (β = 0.468, t = 5.106). However, SI had an insignificant effect (F = 0.346), and FC had a minimal influence (F = 2.225). The study found that Organisational Context played a significant role in shaping Attitude towards AI, influencing BI, whereas the direct influence of TOE on BI was not significant (F = 1.356), indicating full mediation by Attitude. Additionally, higher BI did not necessarily translate to increased AI usage (β = -0.381, t = 4.749), suggesting external barriers or moderating factors. These findings provide valuable insights for developing strategies to enhance AI-driven pedagogical innovations, emphasising the importance of fostering positive attitudes and addressing practical challenges in AI adoption.

Customer Experience and Sustainable Development among Hostels: The Mediating Role of Green Innovation

Purpose: While customer experience (CE) is a crucial marketing concept, the expanding body of research in this area has resulted in substantial fragmentation and theoretical confusion. This is particularly evident in its relationship with other performance constructs. Additionally, little is known about how CE contributes to sustainable development (SD) in the hotel industry. To address the gaps in existing literature and contribute to theory, this study examined how CE influences SD through green innovation (GI). Methodology: It was a quantitative study, employing the cross-sectional design. Data was collected from 197 individuals in leadership/management/supervisory roles in selected hotels in Ghana, using a structured questionnaire. The Partial Least Squares Structural Equation Modeling (PLS-SEM) technique was employed to estimate the hypothesised model on CE, GI, and SD. Findings: The findings showed a significantly positive direct relationship between CE and SD, and indirect relationship through GI. Unique Contribution to Theory, Policy and Practice: The study’s novelty lies in the integration of GI as a mechanism through which CE influences SD. It was demonstrated that to promote green innovation, and then sustainable development, hotels should enhance customer experience. It was thus recommended that hotels in Ghana invest in training programmes for employees to enhance their understanding of customer experience, creating positive sustainable and green practices.

Holistic Competencies of Chinese Preschool Teachers: Psychological, Physical, and Educational Dimensions

Preschool teacher training and development addresses the multiplicity of domains and competence areas important in the general development of young children. The psychological, physical and pedagogical aspects of holistic capabilities of preschool teachers have been discussed in this study carried out in China. The research utilized the Partial Least Squares Structural Equation Modeling (PLS-SEM) as well as a quantitative approach in collecting information from 325 preschool teachers located in different regions. Consequently, it is clear that there are significant relationships among the competences: psychological competences like stress management and emotional intelligence have an acceptable influence on educational and physical competences as well. Teachers’ energy levels and physical health greatly affect their efficiency at teaching their pupils. These results emphasize the importance of an integrated approach to pedagogical development involving professional, emotional and psychical training for better instruction provision. This paper also underlines correlations between various capabilities, which is congruent with Gardner’s Theory of Multiple Intelligences and Bronfenbrenner’s Ecological Systems Theory. Some suggestions include creating inclusive teacher education programs; developing inspiring work settings; starting health initiative programs among others. Hence policy decision makers can understand that massive needs have to be met by facilitating holistic programmatic growths whilst rewarding continuous professional development in academics field. This study provides imperative insights into the diverse responsibilities of preschool teachers and lays the groundwork for future research probing longitudinal consequences and objective measures of teacher competence, despite its reliance on self-report data and a narrow geographic emphasis

Web Presence and Search Engine Optimization on Hotel Patronage in Akwa Ibom State, Nigeria

This study examined the effect of web presence and search engine optimization on hotel patronage in Akwa Ibom State, Nigeria. Web presence, search engine optimization and hotel patronage formed the specific objectives of the study. 1122 employees that had access to information of customers who made hotel reservations from forty-one hotels registered with Akwa Ibom State Hotels Management and Tourism Board formed the population. The study employed a census sampling technique. Primary data were gathered through a structured questionnaire. Simple percentages and charts were employed for the demographic analyses, leveraging the Statistical Package for Social Sciences (SPSS) version 25 to facilitate the data analyses. The univariate analyses were done using means and standard deviations to provide insights into the central tendencies and variability of the data. To test the study hypotheses, the researchers employed Partial Least Square-Structural Equation Modelling (PLS-SEM), facilitated by the SmartPLS version 3.2.9 software. Findings of the study showed that web presence (β = 0.713, t- value = 10.156, p-value = 0.011 < 0.05) had positive significant effect on hotel patronage in Akwa Ibom State and search engine optimization (β = 0.613, t-value = 8.046, p-value = 0.003 < 0.05, a statistically significant and positive effect on hotel patronage. Based on the empirical findings, we recommended that management of hotels in Akwa Ibom State should ensure that they have a well- designed, user-friendly, and informative website that showcase their offerings and provides a seamless booking experience for customers. Regular updates and maintenance of the website should be a priority to keep it relevant and engaging. The hotel owners and operators should prioritize the implementation of effective search engine optimization strategies to improve their visibility on search engine results pages. This should include optimizing their website content, improving website structure and navigation, and leveraging relevant keywords to attract potential customers.

Microbial community succession patterns and metabolite profiles in cigar tobacco during different mildew stages

Mildew in cigar tobacco leaves (CTLs) degrades both quality and market value. This research systematically examines dynamic changes in key metabolic compounds and microbial community succession throughout the mildew process, categorized into three stages: un-mildew (d0), early-mildew (d4 and d8), and late-mildew (d12 and d16). As mildew progresses, carbohydrates decrease, nitrogen metabolism is hindered, the carbon-nitrogen ratio (C/N) declines, and pH rises, making the tobacco weakly alkaline. The total amount of volatile flavor compounds (VFCs) increases, with the proportion of nitrogen-containing compounds such as nicotine rising, while neophytadiene, ketones, and alcohols decrease, leading to a disruption in the coordination of various aroma substances. Microbial diversity declines, with shifts in populations of Staphylococcus, Pseudomonas, Aspergillus, and Sampaiozyma. Six fungal and five bacterial genera are the characteristic dominate microorganisms at different stages. Co-occurrence network analysis shows that complexity decreases and stability declines, while microbial diversity peaks at the early-mold stage and is severely compromised at the late-mold stage in terms of stability and functional diversity. Two-way Orthogonal Partial Least Squares (O2PLS) identified 12 fungal and 3 bacterial genera as key drivers of metabolic changes. Partial Least Squares Structural Equation Modeling (PLS-SEM) emphasized the role of fungi in CTL degradation and the impact of C/N ratio on fungal metabolism. This study, for the first time, elucidates the complex relationship between microbial succession and metabolite compounds during mildew process, providing a reference for dynamic monitoring of fermented tobacco quality.

Resilience for Sustainability: The Synergistic Role of Green Human Resources Management, Circular Economy, and Green Organizational Culture in the Hotel Industry

This research explores the extent to which Green Human Resource Management (GHRM) practices in the Egyptian hotel sector contribute to the adoption of Circular Economy (CE) practices and, eventually, organizational resilience. Using a sample of 402 employees from green-certified Egyptian hotels, the current study applied Partial Least Squares Structural Equation Modeling (PLS-SEM) on the data collected. The results show the positive effect of GHRM on the adoption of a circular economy that significantly enhances both internal and external organizational resilience. In addition, high Green Organizational Culture (GOC) strengthens the positive relationship of GHRM with the adoption of a circular economy. From this work, some empirical evidence is provided to show that circular economy practices can play a partial mediating role between GHRM and organizational resilience. These findings also present valuable insights for hotel managers and policymakers on how to achieve sustainability and resilience by means of integrated GHRM and circular economy strategies.

The influence of visual and auditory environments in parks on visitors’ landscape preference, emotional state, and perceived restorativeness

Various auditory and visual factors influence people’s perception and restoration experiences in the spatial environments. However, few studies have treated these factors as a comprehensive system phenomenon to reveal their integrated effects. Therefore, a specific explanation of the primary pathways and factors that contribute to the main effects of park soundscapes and visual features and the resulting perceived restorativeness remains unclear. The study surveyed 861 visitors in five urban parks in China and collected audiovisual information. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the research explored the direct, indirect, and moderating effects of common audiovisual environments in parks on perceived restorativeness, emotional states, and preferences. The results indicate that most natural-related visual and auditory factors provide direct benefits for people’s perceived restorativeness, emotional state, and preference. Additionally, certain landscape features and types of sound sources, such as trees and water sounds, have indirect effects on activating restoration through preference and emotion mediation. The study also reveals the moderating effects of landscape features and sound source types on emotional and perceived restorativeness. Another noteworthy finding is the significant relationship between bird songs and the positive impact on perceived restorativeness, emotional state, and preference, which is closely related to acoustic quality indicators. These findings offer new insights for creating urban park spaces through visual and auditory interactions.

When do tourists prefer to continue using online travel agencies? An empirical study from Vietnam

Online travel agencies have profoundly influenced the travel industry by offering numerous essential advantages to both consumers and service providers. This paper aims to examine the factors that influence the intention to continue using online travel agencies in Vietnam, while also assessing the moderating effect of e-loyalty on the relationship between perceived usefulness and continuance intention. An integrated research framework was constructed using the Technology Acceptance Model as its foundational basis. The study utilized the Partial Least Squares Structural Equation Modeling approach to analyze the data. The survey data were obtained through an online survey administered to a valid sample of 301 Facebook users with prior experience using online travel agencies. Compared to conventional approaches such as telephone or mail surveys, utilizing Facebook for data collection offers a more cost-efficient alternative. This platform also enables researchers to reach a broad and diverse population of potential respondents, representing a wide range of demographics, geographic locations, and backgrounds. The results reveal that perceived compatibility, perceived ease of use, innovativeness, electronic word-of-mouth, and subjective norms all positively influenced perceived usefulness. Additionally, perceived usefulness is found to have a significant impact on the intention to continue using online travel agencies, while e-loyalty positively moderates the relationship between perceived usefulness and continuance intention to use online travel agencies. These findings extend the Technology Acceptance Model within the context of online travel agencies and provide practical insights for enhancing strategies among online travel agencies in Vietnam. AcknowledgmentThe author would like to thank the International University, Vietnam National University (VNU), HCMC, for providing research assistance.

Factors influencing low-income citizens’ choice of Sharia-subsidized housing credit in Indonesia

Purpose This paper aims to find several factors from religiosity aspects (perceived religiosity on property [PRP], perceived Islamic debt principle, perceived maqasid on homeownership, Shariah-compliant products [SCPs]) and financial aspects (mortgage repayment policy [MRP], well-versed bankers, perceived financial benefit [PFB], perceived risk), which influence the willingness of low-income people to choose Sharia-subsidized Kredit pemilikan rumah/mortgage (KPR) in Indonesia. Design/methodology/approach Research data was obtained from 235 respondents and analyzed using the partial least square-structural equation modeling method. Findings The research results show that PRP, SCPs, MRP and PFBs significantly influence the willingness to choose Sharia-subsidized mortgage. The practical implication that can be applied to increase the willingness of low-income people to choose Sharia-subsidized mortgage is by promoting it more massively with elements of community religiosity. Originality/value Sharia banking as the bank implementing Sharia-subsidized mortgage can consider the financial benefits of the debtor by implementing payment policies that make it easier for customers who have financial difficulties, such as rescheduling and payment holiday policies so that public interest in choosing Sharia-subsidized mortgage increases, so the problem of housing needs in low-income people can find its solution.