IDEAS home Printed from https://ideas.repec.org/a/bbn/journl/2016_4_5_rasheed.html
   My bibliography  Save this article

Towards Understanding Financial Behavior Of Smes: Role Of Socio-Psychological Factors Of Owner-Manager

Author

Listed:
  • RABIA RASHEED

    (University Utara Malaysia)

  • MARIA ABDUL RAHMAN

    (University Utara Malaysia)

  • SYED ABID UR RAHMAN

    (Universiti Utara Malaysia)

Abstract

Understanding SMEs’ use/adoption of financial services is prerequisite for policy makers and managers of financial institutions interested in their growth and development. The study seeks to explore influence of personal characteristics of owner-manager on firms’ financial behavior to use financial services. Qualitative methodology has been employed to propose alternate model of understanding financial behavior of firms as influenced by socio-psychological factors of owner-managers. Study makes use of Theory of Planned Behavior and its variants to support the proposed model. The study suggests that theories of behavior need to be applied to better understand the owner-manager’s intentions to use financial services, which in turn reflect SMEs’ financial behavior. The proposed model and relationships would help policy makers, managers and research scholars to better understand SMEs financial behavior. There is need for comparative empirical studies examining the propositions made by the study. The papers discusses the demand side issues and proposes a general model of socio-psychological factors of ownermanager that affect SMEs’ decisions toward usage of financial services.

Suggested Citation

  • Rabia Rasheed & Maria Abdul Rahman & Syed Abid Ur Rahman, 2016. "Towards Understanding Financial Behavior Of Smes: Role Of Socio-Psychological Factors Of Owner-Manager," JOURNAL STUDIA UNIVERSITATIS BABES-BOLYAI NEGOTIA, Babes-Bolyai University, Faculty of Business.
    • Handle: RePEc:bbn:journl:2016_4_5_rasheed
    as

    Download full text from publisher

    File URL: http://tbs.ubbcluj.ro/RePEc/bbn/journl/Negotia_4_2016.pdf
    File Function: Revised version, 2016
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    Financial Behavior; Socio-psychological Factors; Pakistan;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • Z33 - Other Special Topics - - Tourism Economics - - - Marketing and Finance

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bbn:journl:2016_4_5_rasheed. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Cornelia Pop (email available below). General contact details of provider: https://edirc.repec.org/data/fbubbro.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.