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Factors Affecting BoP Producer Intention to Use P2P Lending Platforms in India 影响印度央行生产者使用P2P借贷平台意愿的因素
Q1 Business, Management and Accounting Pub Date : 2021-04-28 DOI: 10.1080/08911762.2021.1915440
Rajeev Kumra, Sk Abu Khalek, Tamal Samanta
Abstract Myriad studies have been done to investigate consumer behavior in peer-to-peer (P2P) lending. However, participation intention in P2P lending in the Bottom of Pyramid (BoP) context has received little attention. Whereas credit accessibility has been a challenge for BoP producers. Recognizing the potential of P2P lending to alleviate this challenge, this study aimed to present an integrated theoretical framework extending the theory of planned behavior to identify the factors influencing P2P lending adoption by the borrowers (BoP producers) and lenders. We conducted 12 semi-structured in-depth interviews of BoP borrowers, lenders, and executives of three prominent P2P platforms in India. Results emerging from thematic analysis (using NVIVO) indicate while faster access and ease associated with P2P lending favorably impact borrowers’ intention to participate, lenders are positively influenced by the high returns and diversified risk. From the model, a research agenda of five propositions are drawn for future research. The managerial and policy implications of the study are discussed.
摘要已经进行了大量的研究来调查对等借贷中的消费者行为。然而,金字塔底部(BoP)背景下P2P借贷的参与意愿却很少受到关注。而信贷可及性一直是BoP生产商面临的挑战。认识到P2P借贷缓解这一挑战的潜力,本研究旨在提出一个综合的理论框架,扩展计划行为理论,以确定影响借款人(BoP生产者)和贷款人采用P2P借贷的因素。我们对印度央行的借款人、贷款人和三家知名P2P平台的高管进行了12次半结构化的深入采访。主题分析(使用NVIVO)的结果表明,虽然P2P贷款的快速获取和便利性对借款人的参与意愿有积极影响,但贷款人受到高回报和多样化风险的积极影响。从该模型中,得出了五个命题的研究议程,以供未来的研究。讨论了该研究对管理和政策的影响。
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引用次数: 15
A Qualitative Investigation of Shopping Behavior of Customers at Bottom of the Pyramid 金字塔底部顾客购物行为的定性调查
Q1 Business, Management and Accounting Pub Date : 2021-03-23 DOI: 10.1080/08911762.2021.1897917
B. Sharma, Nikita Gupta
Abstract In recent years, the “Bottom of the Pyramid” (BOP) market has become an attraction for researchers, business managers, and policymakers. Numerous researchers have contributed theoretically and empirically to the BOP literature, however, little focus is accorded to BOP customers’ buying behavior. It is interesting to study the shopping behavior of BOP customers characterized by low disposable income, poor standard of living, and geographical isolation. Therefore, the present study aims to investigate the shopping behavior of BOP customers to identify the drivers and hindrances in the buying decisions. The study follows a qualitative approach by conducting in-depth personal interviews of 100 BOP customers visiting Vishal Mega Marts (VMMs) in a northern Indian city. The results indicate that BOP customers aspire for a better shopping experience like affluent customers, however, income constraint restricts them to buy superior brands. Indeed, BOP customers are persuaded by excessive discounts, gifts, coupons, peer influence, and seasonal offers by VMMs. The study provides implications for researchers, retailers, and policymakers.
摘要近年来,“金字塔底部”(BOP)市场已成为研究人员、企业经理和决策者的吸引力所在。许多研究人员对BOP文献进行了理论和实证研究,但很少关注BOP客户的购买行为。研究BOP顾客的购物行为是很有趣的,其特征是可支配收入低、生活水平低和地理隔离。因此,本研究旨在调查BOP客户的购物行为,以确定购买决策中的驱动因素和障碍。该研究采用定性方法,对访问印度北部城市Vishal Mega Marts(VMM)的100名BOP客户进行了深入的个人访谈。研究结果表明,BOP客户和富裕客户一样渴望更好的购物体验,但收入限制限制了他们购买优质品牌。事实上,BOP客户被VMM的过度折扣、礼物、优惠券、同行影响和季节性优惠所说服。这项研究为研究人员、零售商和政策制定者提供了启示。
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引用次数: 7
Culture and Electronic Word of Mouth: A Synthesis of Findings and an Agenda for Research 文化和电子口碑:综合研究结果和研究议程
Q1 Business, Management and Accounting Pub Date : 2021-03-22 DOI: 10.1080/08911762.2021.1903642
Haksin Chan, Morgan X. Yang
Abstract This introductory article synthesizes the findings of the five subsequent articles and identifies a promising direction for research on how culture may impact electronic word of mouth (eWOM). The collection of articles in this special issue fills a significant knowledge gap in the marketing literature, capturing the pervasive influence of culture on eWOM motivation, eWOM quality, and eWOM effectiveness, and also the managerial relevance of culture in both the pre-eWOM stage and the post-eWOM stage. The diversity of eWOM platforms manifested in these articles points to the fit between culture and platform design as an important direction for future research. Overall, this special issue is a first step toward enriching theoretical understanding of the multifaceted role of culture in the eWOM process.
这篇介绍性文章综合了后续五篇文章的研究结果,并确定了文化如何影响电子口碑(edom)的研究方向。本期特刊的文章集填补了市场营销文献中一个重要的知识空白,捕捉了文化对新员工管理动机、新员工管理质量和新员工管理效率的普遍影响,以及文化在新员工管理前和后阶段的管理相关性。这些文章中所体现的eom平台的多样性表明,文化与平台设计之间的契合是未来研究的重要方向。总的来说,这期特刊是丰富对文化在eom过程中多方面作用的理论认识的第一步。
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引用次数: 8
Employing Enviropreneurial Marketing Strategies to Gain Legitimacy 运用环境创业营销策略获得合法性
Q1 Business, Management and Accounting Pub Date : 2021-03-15 DOI: 10.1080/08911762.2020.1820652
Arilova A. Randrianasolo
Abstract Within the current global landscape, internationalizing organizations are increasingly seeking ways to gain legitimacy, or social acceptance, within the foreign markets they exist in. This current article proposes that enviropreneurial marketing strategies can be placed in the arsenal of tools firms may employ to gain organizational legitimacy. Across two studies, this article hypothesizes and empirically tests the mediating roles that pragmatic and moral legitimacy play in the relationships between enviropreneurial marketing and outcomes on firm constituents such as consumers and employees. The results show that while pragmatic legitimacy is a significant mediator of such relationships, moral legitimacy is not.
在当前的全球格局中,国际化组织越来越多地寻求在其存在的国外市场中获得合法性或社会接受的方法。这篇当前的文章提出,环境创业营销策略可以放在工具的武器库中,公司可以使用这些工具来获得组织合法性。通过两项研究,本文假设并实证检验了实用主义和道德合法性在环境创业营销与企业成员(如消费者和员工)的结果之间的关系中所起的中介作用。结果表明,虽然实用合法性是这种关系的重要中介,但道德合法性不是。
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引用次数: 3
The Effects of Market Orientation and Proactive Orientation on the Export Performance of South African SMEs 市场导向与主动导向对南非中小企业出口绩效的影响
Q1 Business, Management and Accounting Pub Date : 2021-03-07 DOI: 10.1080/08911762.2021.1894625
C. Robb, A. Stephens
Abstract The purpose of this study is to examine the relationships between market orientation, proactive orientation, market capability and innovation as they relate to the export performance of South African SMEs. Utilizing the Stimulus-Organism-Response model and extant literature, a theoretical framework is proposed. A sample of 259 South African SMEs involved in exporting were collected. The study hypotheses are analyzed using PLS-SEM; moreover, mediation tests are also included. The results suggest that market orientation and proactive orientation are significant elements that could lead to the improved export performance of South African SMEs. The current study expects to provide practical managerial implications and marketing knowledge for organizations hoping to better comprehend the South African marketplace. The findings of this study can be further applied to better understand emerging markets. Ultimately market orientation and proactive orientation are valuable strategic orientations that emerging market firms can use to leverage their limited resources as they aim to improve export performance.
摘要本研究的目的是考察市场导向、主动导向、市场能力和创新之间的关系,因为它们与南非中小企业的出口绩效有关。利用刺激-生物-反应模型和现有文献,提出了一个理论框架。我们收集了259家南非从事出口的中小企业样本。利用PLS-SEM对研究假设进行了分析;此外,还包括中介测试。研究结果表明,市场导向和主动导向是影响南非中小企业出口绩效的重要因素。目前的研究希望为希望更好地了解南非市场的组织提供实际的管理影响和营销知识。本研究的结果可以进一步应用于更好地了解新兴市场。最终,市场导向和主动导向是有价值的战略导向,新兴市场企业可以利用它们有限的资源来提高出口绩效。
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引用次数: 8
Facebook advertising, eWOM and consumer purchase intention-Evidence from a collectivistic emerging market Facebook广告、eom与消费者购买意愿——来自集体主义新兴市场的证据
Q1 Business, Management and Accounting Pub Date : 2021-03-04 DOI: 10.1080/08911762.2021.1891359
Youssef Chetioui, Irfan Butt, Hind Lebdaoui
Abstract Despite a growing body of work on the impact of cultural orientation on consumers’ attitudes and behavior, research investigating the effects of individualism-collectivism in social media advertising remains limited. Based on a theoretical framework founded on the theory of planned behavior, Ducoffes’s web advertising model, and further variables from related literature, this study aims to investigate how Facebook advertisements contribute to consumers’ purchase intention in an emerging market marked by high levels of collectivism. Through a sequence of research propositions that elucidate how individuals from a collectivistic culture make purchase decisions when exposed to Facebook advertisements, our study makes a significant contribution to attitudinal research as it establishes a better understanding of the use of advertising on Facebook to market products and services. Our findings confirm the necessity and importance of taking into account consumers’ cultural differences when advertising on social media sites.
尽管关于文化取向对消费者态度和行为影响的研究越来越多,但调查个人主义-集体主义在社交媒体广告中的影响的研究仍然有限。基于计划行为理论的理论框架、Ducoffes的网络广告模型以及相关文献的进一步变量,本研究旨在探讨Facebook广告如何在一个以高度集体主义为特征的新兴市场中促进消费者的购买意愿。通过一系列研究命题,阐明来自集体主义文化的个人在接触Facebook广告时如何做出购买决策,我们的研究对态度研究做出了重大贡献,因为它更好地理解了Facebook上广告的使用,以营销产品和服务。我们的研究结果证实了在社交媒体网站上做广告时考虑消费者文化差异的必要性和重要性。
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引用次数: 43
Pathways to Global versus Local Brand Preferences: The Roles of Cultural Identity and Brand Perceptions in Emerging African Markets 通往全球与本地品牌偏好的途径:文化认同和品牌认知在新兴非洲市场中的作用
Q1 Business, Management and Accounting Pub Date : 2021-02-26 DOI: 10.1080/08911762.2021.1886385
A. A. Yeboah-Banin, E. Quaye
Abstract The effects of cultural identity on perceptions about and preference for global and local brands remain less understood. Using consumer cultural identity theory, this study tests assumptions that cultural identity drives perceived brand globalness and localness. It also examines how such perceptions shape brand value assessments and preference formation. The study draws on consumer data from two prominent emerging African markets, South Africa and Ghana, to test the hypothesized relations through structural equation modelling. The findings support predictions that individuals’ cultural identity drives their perceptions of brands as local/global. Specifically, global identity drives global brand preference in both countries, but local identity was a weak driver of local brand preference in Ghana. The perceived value of local brands impacts local brand preference more than foreign brand preference. The study highlights several contributions on the pathways to global or local brand preferences that should benefit international marketing scholars and branding professionals.
摘要文化认同对全球和本地品牌的认知和偏好的影响仍不太清楚。利用消费者文化认同理论,本研究检验了文化认同驱动感知品牌全球性和地方性的假设。它还考察了这种认知如何影响品牌价值评估和偏好形成。这项研究利用了来自南非和加纳这两个著名新兴非洲市场的消费者数据,通过结构方程建模来检验假设的关系。研究结果支持了这样的预测,即个人的文化身份驱动了他们对本地/全球品牌的认知。具体而言,全球身份推动了两国的全球品牌偏好,但当地身份是加纳当地品牌偏好的薄弱驱动因素。本土品牌的感知价值对本土品牌偏好的影响大于外国品牌偏好。该研究强调了在获得全球或本地品牌偏好的途径上的一些贡献,这些贡献应该有利于国际营销学者和品牌专业人士。
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引用次数: 6
Managerial Response to Negative Online Reviews in the Service Industry: A Tactic-Based and Culture-Based Model 服务业管理者对在线负面评论的反应:基于策略和文化的模型
Q1 Business, Management and Accounting Pub Date : 2021-02-23 DOI: 10.1080/08911762.2021.1888393
Irina Y. Yu, L. Wan, X. Yi
Abstract Given the widespread and significant impacts of negative online reviews (NORs) on service industries, this research addresses a timely and important topic—how service firms develop effective managerial response (MR) to respond NORs. We propose an integrated tactic-based and culture-based model of MR design that is especially applicable to service firms in the online review platforms. Based on attribution theory and cross-cultural literature, our research enriches the electronic word of mouth literature by proposing a series of propositions that illustrate how different types of MR can be effectively delivered by incorporating both MR source and MR target under different cultures.
摘要鉴于在线负面评价(NORs)对服务业的广泛和重大影响,本研究探讨了一个及时而重要的话题——服务企业如何制定有效的管理对策(MR)来应对NORs。我们提出了一种基于策略和文化的MR设计集成模型,该模型特别适用于在线评论平台中的服务公司。基于归因理论和跨文化文献,我们的研究通过提出一系列命题来丰富电子口碑文献,这些命题说明了在不同文化下,如何通过结合MR来源和MR目标来有效地传递不同类型的MR。
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引用次数: 5
Marketing at the Bottom of the Pyramid: Overcoming the Challenges through MICMAC Analysis 金字塔底层的营销:通过MICMAC分析克服挑战
Q1 Business, Management and Accounting Pub Date : 2021-02-22 DOI: 10.1080/08911762.2021.1884924
Sangeeta Sharma, Arpan Bumb
Abstract Marketers face innumerable challenges related to awareness, affordability, availability, and accessibility to reach the Bottom of Pyramid (BOP) markets. The objective of this paper is to enumerate the challenges faced by marketers in making their product available to the rural population during COVID-19. The study focuses on 25 challenges, identified from past studies, for marketing in rural areas. Along with the identification of the challenges from a literature review and marketing practices, an attempt is made to contextually relate the challenges to one another, for which three extensive focus group discussions each among six experts were conducted. After this step, Matrice d’Impacts Croisés Multiplication Appliquée á un Classment (MICMAC) analysis was conducted to plot the challenges based on driving power and dependence power. An Interpretive Structural Model (ISM) is also developed from the MICMAC analysis. This paper will allow marketers to identify and formulate an action plan based on the preference order generated from ISM to create maximum impact. Further, the research, marketing, and societal implications of the study are discussed.
营销人员面临着无数的挑战,涉及到意识、负担能力、可用性和进入金字塔底部(BOP)市场。本文的目的是列举营销人员在COVID-19期间向农村人口提供产品所面临的挑战。该研究侧重于从过去的研究中确定的25项挑战,以在农村地区进行营销。随着从文献回顾和营销实践中识别挑战,尝试将挑战相互联系起来,为此,六位专家分别进行了三次广泛的焦点小组讨论。在此步骤之后,进行影响矩阵(matrix d’impacts)分析,基于驱动功率和依赖功率绘制挑战图。在此基础上提出了一种解释结构模型(ISM)。本文将允许营销人员根据ISM产生的偏好顺序识别和制定行动计划,以创造最大的影响。此外,本文还讨论了该研究的研究、市场营销和社会意义。
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引用次数: 6
Is Consumer ethnocentrism scale, CETSCALE, applicable in Africa? 消费者民族中心主义量表(CETSCALE)是否适用于非洲?
Q1 Business, Management and Accounting Pub Date : 2021-02-19 DOI: 10.1080/08911762.2021.1886384
Abiot Tsegaye Kibret, Amit Shukla
Abstract Consumer ethnocentrism has been an issue in international marketing and it has been repeatedly studied in developed economies though there are relatively fewer such studies in developing economies, particularly in Africa. Further, consumer ethnocentrism scale (CETSCALE) has been adapted without sufficient reliability, validity, and dimensionality tests in African countries. Thus, this study investigated the reliability, dimensionality, and validity of the CETSCALE in Ethiopia. The result indicated that the CETSCALE is a reliable, valid, and three-dimensional (patriotic, prosocial, and protectionist) scale in the study area. Implications of the findings and future research directions were discussed.
摘要消费者种族中心主义一直是国际营销中的一个问题,发达经济体对此进行了反复研究,尽管在发展中经济体,尤其是非洲,此类研究相对较少。此外,在非洲国家,消费者种族中心主义量表(CETSCALE)在没有足够的可靠性、有效性和维度测试的情况下进行了调整。因此,本研究调查了埃塞俄比亚CETSCALE的信度、维度和有效性。结果表明,CETSCALE是一个可靠、有效、三维(爱国、亲社会和保护主义)的量表。讨论了研究结果的意义和未来的研究方向。
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引用次数: 5
期刊
Journal of Global Marketing
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