Journals Information
Computer Science and Information Technology Vol. 2(7), pp. 308 - 313
DOI: 10.13189/csit.2014.020704
Reprint (PDF) (508Kb)
An Acceptance Model for E-Loaning Services among University Students
Esther Makori 1,2,*
1 Jaramogi Oginga Odinga Univ. Sci. & Tech. P.O Box 210, Bondo, Kenya
2 Department of Information Communication and Technology, Kisii University, P.O Box 408, Kisii, Kenya
ABSTRACT
The objective of this research paper was to develop a model that would explain the adoption of electronic loaning applications among University students using the decomposed theory of planned behavior. The researchers obtained the requirements for this model from the field study that they carried out. Before the implementation of the electronic loaning applications, applications were done manually using pen and paper, using forms which were later sent to the Helb headquarters in Nairobi for processing. This system faced setbacks such as losses of the application forms, inefficiency in loan applications processing, loaning repayment evasion due to lost records and lack of transparency and accountability in the loaning process. This led to the adoption of e-loaning applications by Helb, an institution charged with the disbursement of loans to university students. This paper sought to establish the factors that could better explain why e-loaning services users would prefer it over other loaning applications mechanisms. The target population for the study included the University student who are beneficiaries of Helb loans. Simple random sampling method was utilized to select respondents. The collected data was then tabulated and presented in graphs and interpreted. A hypothesized model was designed and the researchers used the study findings drop and adopt the hypothesized constructs. A model was afterwards developed, which the researchers gave the name DTPBMEL (Decomposed Theory of Planned Behavior Model for Electronic Loaning).
KEYWORDS
E-loaning, University Students, Model, Helb, Automation
Cite This Paper in IEEE or APA Citation Styles
(a). IEEE Format:
[1] Esther Makori , "An Acceptance Model for E-Loaning Services among University Students," Computer Science and Information Technology, Vol. 2, No. 7, pp. 308 - 313, 2014. DOI: 10.13189/csit.2014.020704.
(b). APA Format:
Esther Makori (2014). An Acceptance Model for E-Loaning Services among University Students. Computer Science and Information Technology, 2(7), 308 - 313. DOI: 10.13189/csit.2014.020704.