Journal of
Economics and International Finance

  • Abbreviation: J. Econ. Int. Finance
  • Language: English
  • ISSN: 2006-9812
  • DOI: 10.5897/JEIF
  • Start Year: 2009
  • Published Articles: 363

Full Length Research Paper

Moderating effects of social learning on the usage of formal financial services in Kampala, Uganda

Colin Agabalinda
  • Colin Agabalinda
  • Department of Business Management and Sustainability, ICT University, USA – Cameroon.
  • Google Scholar
Alain Vilard Ndi Isoh
  • Alain Vilard Ndi Isoh
  • Department of Business Management and Sustainability, ICT University, USA – Cameroon.
  • Google Scholar


  •  Received: 27 March 2020
  •  Published: 31 July 2020

References

Amatucci FM, Crawley DC (2011). Financial self-efficacy among women entrepreneurs. International Journal of Gender and Entrepreneurship, 3:23-37.
Crossref

 

Atkinson A, Messy FA (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15, OECD Publishing. 
Crossref

 
 

Bandura A (1986). Social foundations of thought and action: A social cognitive theory Englewood Cliffs, NJ: Prentice- Hall, Incorporated.

 
 

Bandura A, Walters RH (1963). Social learning and personality development. New York: Holt, Rinehart and Winston, [Stanford University, Stanford, CA, and Univ. Waterloo, Ontario, Canada] 329 p.

 
 

BOU (2017). National financial inclusion strategy. Bank of Uganda [Online] Available at: 

View

 
 

Campbell JY (2006). Household Finance. NBER Working Paper No. w12149. Available at SSRN: 

View
Crossref

 
 

Grable JE, Joo S (1999). Factors Related to Risk Tolerance: A Further Examination. Consumer Interests Annual 45(1): 53-58.

 
 

Cohen M, Nelson C (2011). Financial Literacy: A Step for Clients Towards Financial Inclusion. Valladolid: Global Microcredit Summit 2011

 
 

Collin K (2009). Work-related identity in individual and social learning at work, Journal of Workplace Learning 21(1):23-35. 
Crossref

 
 

Demirgüç-Kunt A, Klapper L, Singer D (2017a). Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. Policy Research Working Paper 8040. World Bank Group. 
Crossref

 
 

Demirgüç-Kunt A, Klapper L, Singer D, Ansar S, Hess J (2017b). The Global Findex Database. Measuring Financial Inclusion and the Fintech Revolution. The World Bank Group. [Online] Available at: 

View

 
 

Finscope (2018). Finscope Uganda Topline findings Report. [Online] Available at: 

View

 
 

Fornell C, Larcker DF (1981). Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research 18(1):39-50.
Crossref

 
 

Grohmann A, Klühs T, Menkhoff, L (2017). Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence. Deutsches Institut für Wirtschaftsforschung. 
Crossref

 
 

Gutter MS, Garrison S, Copur Z (2010). Social Learning Opportunities and the Financial Behaviors of College Students - Family & Consumer Sciences Research Journal. 38(4):387-404. 
Crossref

 
 

Gutter MS, Garrison S (2008). Perceived norms, financial education, and college student credit card behavior. Journal of Consumer Education 24:73-88.

 
 

Hair JF, Sarstedt M, Ringle CM, Gudergan SP (2017). Advanced issues in partial least squares structural equation modeling (PLS-SEM). Thousand Oaks, CA: Sage Publications.
Crossref

 
 

Henseler J, Ringle CM, Sarstedt M (2014). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science 43(1):115-135.
Crossref

 
 

Hogarth JM, Hilgert MA (2002). Financial knowledge, experience, and learning preferences: Preliminary results from a new survey on financial literacy. Consumer Interest Annual (48), 

View

 
 

Holzmann R (2010). Bringing financial literacy and education to low and middle income countries: the need to review, adjust, and extend current wisdom. World Bank, IZA and CES, Washington DC.
Crossref

 
 

Idris FH, Krishnan KSD, Azmi N (2013). Relationship between financial literacy and financial distress among youths in Malaysia: An empirical study, Malaysian Journal of Society and Space 9(4):106-117.

 
 

Krejcie RV, Morgan DW (1970). Determining Sample Size for Research Activities.' Educational and Psychological Measurement. 30:607-610. 
Crossref

 
 

Lee H, Lee M (2018). Social learning constructs and employee learning performance in informal Web-based learning environments, Journal of Workplace Learning.
Crossref

 
 

Lehesvirta, T. (2004), "Learning processes in a work organization: from individual to collective and/or vice versa?", Journal of Workplace Learning, 16(1/2):92-100.
Crossref

 
 

Lusardi A, Mitchell OS (2011). Financial literacy and retirement planning in the United States, Journal of Pension Economics and Finance, Cambridge University Press 10(04):509-525.
Crossref

 
 

Lusardi A, Mitchell OS (2011a). Financial Literacy and Planning: Implications for Retirement Well-Being. In Financial Literacy: Implications for Retirement Security and the Financial Marketplace, edited by Olivia S. Mitchell and Annamaria Lusardi, Oxford and New York: Oxford University Press. Mahdavi pp.17-39.
Crossref

 
 

Lusardi M, Mitchell O (2013). The Economic Importance of Financial Literacy Theory and Evidence. From 

View (Retrieved on 18 March 2014).
Crossref

 
 

Mien NT, Thao TP (2015). Factors affecting personal financial management behaviors: evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences [Online] Available at: 

View

 
 

Mindra R, Moya M (2017). Financial self-efficacy: a mediator in advancing financial inclusion, Equality, Diversity and Inclusion. 36(2):128-149. 
Crossref

 
 

Moschis GP, Churchill GA Jr (1978). Consumer Socialization: A Theoretical and Empirical Analysis. Journal of Marketing Research 15(4):599-609. 
Crossref

 
 

Moschis GP, Moore RL (1979). Family Communication and Consumer Socialization, in NA - Advances in Consumer Research Volume 06, eds. William L. Wilkie, Ann Abor, MI: Association for Consumer Research, pp. 359-363.

 
 

Mu'izzuddin T, Ghasarma R, Putri L, Adam M (2017). Financial Literacy; Strategies and Concepts in Understanding the Financial Planning With Self-Efficacy Theory and Goal-Setting Theory of Motivation Approach. International Journal of Economics and Financial Issues. 7(4):182-188.

 
 

OECD (2018), OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion. Paris: Organisation for Economic Co-operation and Development. 

View

 
 

Okello CBG, Ntayi JM, Munene JC, Nabeta, JN (2016). Social capital: mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy 26(2):291-312.
Crossref

 
 

Ormrod JE (1999). Human Learning (3rd Edition). Upper Sadle River, NJ: Merrill Prentice Hall.

 
 

Peachey S, Roe A (2004). Access to finance (Unpublished Study). Washington, D.C.: World Savings Banks Institute and the World Bank.

 
 

Pinto MB, Parente DH, Mansfield PM (2005). Information learned from Socialization Agents: Its Relationship to Credit Card Use Family and Consumer Sciences Research Journal 33(4):357-367. 
Crossref

 
 

Ramsden P, Moses I (1992). Associations between research and teaching in Australian higher education. Higher Education 23(3):273-295.
Crossref

 
 

Refera MK, Dhaliwal NK, Kaur J (2016). Financial literacy for developing countries in Africa: A review of concept, significance and research opportunities. Journal of African Studies and Development 8(1):1-12. 
Crossref

 
 

Shibia AG, Kieyah J (2016). Effects of Financial Literacy on Individual Choices Among Financial Access Strands in Kenya. International Journal of Business and Economics Research. 5(1):10-18. 
Crossref

 
 

Uganda Bureau of Statistics (UBS) (2014). The National Population and Housing Census 2014 - Main Report. Kampala, Uganda [Online]. Available at: 

View

 
 

Wachira MI, Kihiu E (2012). Impact of Financial Literacy on Access to Financial Services in Kenya. International Journal of Business and Social Science 3(19):42-50. [Online] Available at: 

View

 
 

Ward S (1974). Consumer Socialization. Journal of Consumer Research 1(2):1-14. Retrieved February 14, 2020, from 

View
Crossref