• Title/Summary/Keyword: Financial Self-efficacy

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Effect of Digital Selling Readiness on Salespeople's Customer-Oriented Behavior Through Digital Literacy and Self-Efficacy

  • Hyunseung NA;Hangeun LEE;Chankoo YEO
    • Journal of Distribution Science
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    • v.22 no.2
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    • pp.95-102
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    • 2024
  • Purpose: This study systematically examined the concept of digital selling readiness of salespeople. Additionally, this study empirically confirms the sequential mediating roles of digital literacy and salesperson self-efficacy in the impact of digital selling readiness on customer-oriented behavior. Research design, data, and methodology: We collected data from salespeople at a Bank and Financial Service firm in South Korea. A total of 254 salespeople were invited to participate, with 154 surveys returned. After removing the questionnaires with missing values, 150 complete surveys were employed for the analysis. Results: The empirical analysis indicates that digital selling readiness positively affects digital literacy. Digital literacy, in turn, is positively associated with self-efficacy, leading to increased customer-oriented behaviors among salespersons. This study also confirms the sequential mediating effects of digital literacy and self-efficacy in the impact of salespeople's digital selling readiness on customer-oriented behavior. Conclusions: Our research deepens the understanding of how digital selling readiness fosters customer-oriented behavior through the sequential mediating effects of digital literacy and self-efficacy. This study extends the previous model by sequentially involving digital literacy and self-efficacy to better understand the psychological processes of digital selling. The results highlight the role of digital selling readiness in preparing salespeople for digital sales.

Effects of Attitude, Social Influence, and Self-Efficacy Model Factors on Regular Mammography Performance in Life-Transition Aged Women in Korea

  • Lee, Chang Hyun;Kim, Young Im
    • Asian Pacific Journal of Cancer Prevention
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    • v.16 no.8
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    • pp.3429-3434
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    • 2015
  • Background: This study analyzed predictors of regular mammography performance in Korea. In addition, we determined factors affecting regular mammography performance in life-transition aged women by applying an attitude, social influence, and self-efficacy (ASE) model. Materials and Methods: Data were collected from women aged over 40 years residing in province J in Korea. The 178 enrolled subjects provided informed voluntary consent prior to completing a structural questionnaire. Results: The overall regular mammography performance rate of the subjects was 41.6%. Older age, city residency, high income and part-time job were associated with a high regular mammography performance. Among women who had undergone more breast self-examinations (BSE) or more doctors' physical examinations (PE), there were higher regular mammography performance rates. All three ASE model factors were significantly associated with regular mammography performance. Women with a high level of positive ASE values had a significantly high regular mammography performance rate. Within the ASE model, self-efficacy and social influence were particularly important. Logistic regression analysis explained 34.7% of regular mammography performance and PE experience (${\beta}=4.645$, p=.003), part-time job (${\beta}=4.010$, p=.050), self-efficacy (${\beta}=1.820$, p=.026) and social influence (${\beta}=1.509$, p=.038) were significant factors. Conclusions: Promotional strategies that could improve self-efficacy, reinforce social influence and reduce geographical, time and financial barriers are needed to increase the regular mammography performance rate in life-transition aged.

The effect of entrepreneurial motivation on the entrepreneurial performance focusing on potential entrepreneurs and entrepreneurs: Mediating role of entrepreneurship (창업동기요인이 예비창업자와 기창업자의 창업성과에 미치는 영향 : 기업가정신의 매개효과를 중심으로)

  • Lee, Byeong-Gweon;Jeon, In-Oh
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.9 no.6
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    • pp.213-230
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    • 2014
  • Increasing unemployment rate and creation of new jobs are most important issues around the world recently. Then many developed countries, including Republic of Korea, establish and enforce a variety of start-up activation policies to increase employment rate and boom up the national economy. Establishing linkage of entrepreneurship motivation, entrepreneurship, entrepreneurial intention and firm performance, focusing on potential entrepreneurs and entrepreneur, it could provide personalized and targeted entrepreneurial policy programs to increase entrepreneurship, because entrepreneurship is the most important factor to activate startups. On this study, it established factors of entrepreneurial motivation on potential entrepreneurs and entrepreneurs, and analyzed the linkage of factors of entrepreneurial motivation, entrepreneurship, entrepreneurial intention(potential entrepreneurs) and firm performance(entrepreneurs). For analysis, this study conducted descriptive statistics, reliability analysis, factor analysis to verify validity, correlation analysis, and regression to analyze influence between factors. Potential entrepreneurs group has 202 samples, and findings show self-efficacy, social network, economic status and government policy influence on entrepreneurship positively. And self-efficacy, startup education, economic status and government policy have a positive effect on entrepreneurial intention, too. Entrepreneurs group has 212 samples, and findings show self-efficacy, social network and economic status influence on entrepreneurship. And each linkage has a positive effect, that self-efficacy - financial and non-financial performance, startup education - financial and technological performance, social network - financial performance, economic status - financial and non-financial performance, and government policy - financial and technological performance.

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The Structural Relationships between Control Types over Salespeople, Their Responses, and Job Satisfaction - Mediating Roles of Role Clarity and Self-Efficacy - (영업사원에 대한 통제유형, 반응, 그리고 직무만족 간의 구조적 관계 - 역할명확성과 자기효능감의 매개효과 -)

  • Yoo, Dong-Keun;Lim, Jong-Koo;Lim, Ji-Hoon
    • Journal of Global Scholars of Marketing Science
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    • v.17 no.4
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    • pp.23-49
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    • 2007
  • Salespeople act at the point of MOT with customers and deliver the enterprise's message to the customers. They build up relationships with customers as well as deliver the customer's message to the enterprise. The salespeople's activity at the point of MOT with the customers and the degree of satisfaction of the customers' needs will affect the customers' attitude toward the enterprise, brand loyalty, and retention intention. Ultimately, it will influence the enterprise's financial performance. The control of salespe1ople is one of the most interesting topics of marketing. This research investigates the relationships of the control types over salespeople(positive/negative outcome control, positive/negative behavior control) and job satisfaction and their mediating variables. The mediating variables in the relationships have been identified as outcome/behavior-related role clarity and self-efficacy. The purpose of this study is more specifically as follows: First, it investigate how the perception of salespeople control types affect role-clarity. Second, it examines how the perception of salespeople control types influence self-efficacy. Third, it investigate the mediating role of role-clarity between the perception of salespeople control types and self-efficacy. Fourth, it investigates how role-clarity affect self-efficacy and job satisfaction. Finally, it will investigates how self-efficacy influences job satisfaction. Data were collected from the pharmaceutical industry salespeople and analyzed by SPSS 12.0 and AMOS 6.0. The data were collected by 400 respondents and 377 valid questionnaires were analyzed. The results are summarized as follows: First, positive/negative outcome controls had a positive relationship with outcome-related role clarity. Also positive behavior control had a positive effect on behavior-related role clarity, but negative behavior control didn't influence behavior-related role clarity. Second, positive outcome control influenced self-efficacy positively, but positive behavior control didn't have a positive effect on self-efficacy. In addition negative outcome control and negative behavior control had a positive effect on self-efficacy due to the mediating role of outcome-related and behavior-related role clarity. Third, outcome-related role clarity and behavior-related role clarity influenced self-efficacy positively. Behavior-related role clarity had a positive effect on job satisfaction, but outcome-related role clarity didn't influence job satisfaction. Finally, self-efficacy didn't have any effect on job satisfaction. The contributions of this study are as follows: First, existing studies have investigated the direct causal relationship between salespeoples' control type and performance, but this study investigates the structural causality between salespeoples' control types, responses, and performances. Second, this study found the mediating role of outcome-related/behavior-related role-clarity between outcome/behavior control and self-efficacy. Finally, the findings of this study further insight to existing studies on the relationship between job satisfaction and self-efficacy. The confidence of salespeoples' task influenced job satisfaction positively in existing articles,field studies, but the relationship between these two variables was not significant in this study. This means that there can be a different relationship between confidence and job satisfaction according to salespeoples' business. That is, the business environment may not be satisfying, even if the salespeople say that they have ability and confidence about their business. This means that able salespeople who have ability and confidence about their business are not satisfied with their job advancement in the company. Therefore, enterprise need to provide training that can establish a business environment that can satisfy the salespeole's expectation level which will secure good salespeople. This study may have limitation when applied to future studies. First,in this study as with existing studies it investigates the control level that salespeople feel is being measured. Actuality, the control level that a manager enforces and the control level that salespeople perceive when one is late can be different. There is need to measure lateness from both the perspective of the manager and salespeople should be done to supplement this study in the future Second, this study used variables that were connected with action result but salespeople's job satisfaction is due to the result of control. But, focusing on result of control can provide a more important financial result than sales performance. This study is also limited in that it did not consider financial result by result of control. Further studies on this will need to be done in the future. Third, this study may have a further limitation,because the investigation was restricted to pharmaceutical salespeople selling to hospitals. It is necessary to execute investigations in various industries to increase the generalization of the study findings Fourth, in this study, role clarity and self-efficacy by response variable for control and considered job satisfaction by outcome variable of control was considered. But, can other variables be considered beside response variable and result variable for control? For example, can financial affairs and change of post by outcome variable along with business stress by response variable for control be considered? Therefore, future studies need to consider various control variables. Finally, there is limited supporting research in the field of marketing which restricts the generalization of the study finding along with collecting material through random sampling of a limited size. This research summarizes the research in this area, the difference from the previous research, and provides a discussion of its limitations and the need and direction for further future research.

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A Study on Factors Influencing User's Security Intention for Internet Banking (인터넷 뱅킹 사용자의 보안의도에 영향을 마치는 요인에 관한 연구)

  • Kim, Jong-Ki;Kang, Da-Yeon;Jeon, Jin-Hwan
    • The Journal of Information Systems
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    • v.18 no.2
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    • pp.1-18
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    • 2009
  • Recently, internet banking is growing rapidly. Moot banks in Korea provide internet banking services. Internet banking becomes a major trend in the financial marketplace. With advanced computer technology and declining communication costs, many customers prefer online alternatives such as internet banking, mobile banking or phone banking rather than going to banks by themselves. The number of customers using those alternatives is skyrocketing and domestic commercial banks encourage them of the use. As the internet is highly developed, customers demand higher quality services and banks develop and provide diverse services in order to respond to them. However, internet banking service users are still afraid of their personal and financial information being exposed on the internet. The purpose of this research is to empirically analyze the influence that appropriate internet banking affect user's security intention. The research model proposed in this study includes user's security intention which is influenced by self-efficacy, security trust, Internet banking attitude, perceived security and security intention. According to the result of this study, self-efficacy and security trust are related to the security attitude. There is a significant relationship between security attitude and perceived security. Also, user's security attitude and perceived security is significantly affected by security intention.

A study of Factors Influencing Health Promoting Behavior in College Students (대학생의 건강증진행위에 영향을 미치는 요인에 관한 연구)

  • Paek, Kyung-Shin
    • Research in Community and Public Health Nursing
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    • v.14 no.2
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    • pp.232-241
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    • 2003
  • Purpose: To investigate the factors influencing health promoting behavior in college students and to provide a basic data for developing an effective health promotion program. Method: The subjects were 711 college students living in Jecheon city and were selected using a convenience sampling method. The instruments used in this study included the Health Promoting Lifestyle Profile developed by Walker et al.(987). Perceived Health Status developed by Lawston et al. (1982). Self-Esteem scale developed by Rosenberg(1965), Self-Efficacy scale developed by Becker et al. (1993), and Health Locus of Control developed by Wallston et a1.(1978). The data were analyzed by descriptive statistics, pearson correlation coefficient, and stepwise multiple regression using SPSS/WIN program. Results: I) The mean score of health promoting behavior was 2.39 point out of 4. In terms of sub-domains of health promoting behavior, self-actualization(2.78) showed the highest mean score, followed by interpersonal support(2.75), stress management(2.38), nutrition(2.11), exercise(2.04), and health responsibility (1.97). 2) The health promoting behavior had significantly positive correlations with self-efficacy, powerful others health locus of control, internal health locus of control, chance health locus of control, and perceived health status. 3) In the relationship between general characteristics and health promoting behavior, health promoting behavior was significantly different by gender(t=2.17, p=.03), and financial status of parents (F=10.79. p= .00). 4) The most powerful predictor of health promoting behavior was self-efficacy. A combination of self-efficacy, self-esteem, powerful others health locus of control, and sex accounted for 40.4% of the total variance in health promoting behavior. Conclusion: The findings of this study showed that health responsibility and exercise were the domains where the college student showed relatively lower scores than other domains, self-efficacy was the most important predictor of health promoting behavior. Therefore, it is suggested that health promoting programs should focus on health responsibility, and exercise. Nursing strategies that can enhance self-efficacy should also be developed in order to promote healthy lifestyles in college students.

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Stress, Social Support and Coping of Adults According to Level of Self-Efficacy (성인의 스트레스, 사회적 지원과 대처: 자기효능감 수준별 분석)

  • Young-Shin Park;Ju-Yeon Son;Ok-Ran Song
    • Korean Journal of Culture and Social Issue
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    • v.23 no.2
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    • pp.295-332
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    • 2017
  • The main purpose of this research is to analyze stress, social support and coping behavior of adults based on their level of self-efficacy. A total of 899 adults (399 male; 500 female), each with a child attending either elementary and secondary school, participated in the study. The inter-rater reliability for the open-ended questionnaire utilized in the study was 93.4%, with a Kappa coefficient of .92. The range of Cronbach α for the variables measured through a quantitative method was .87~.92. The results were as follows: First, the representative responses to the question about their most painful stress experiences were, financial difficulties, child rearing and duties of workplace. The Lower Efficacy group, compared to the Upper Efficacy group, responded much more with financial difficulties related responses. There were significant differences in the level of stress symptoms according to level of self-efficacy. The Lower Efficacy group expressed stronger levels of stress symptoms when compared to the Upper Efficacy group. Second, in terms of social support, the participants responded that they received the most help from their family members, followed by none(self), and friends. When comparing the two efficacy groups, the Upper Efficacy group responded most frequently that they received social support from their family members, whereas the Lower Efficacy group indicated none. There were significant differences in the level of relational conflicts according to the level of self-efficacy. The Upper Efficacy group showed much less conflict in parent-child relations, spousal relations and relations with their boss, compared to the Lower Efficacy group. Third, for the type of social support participants received, the most frequent response was emotional support, followed by none, and advice. Relatively, when comparing the two groups with each other, the Lower Efficacy group responded more frequently with none, whereas for the Upper Efficacy group responded more frequently with advice. There were significant differences in the amount of emotional support received according to level of self-efficacy. The Upper Efficacy group received much more emotional support from their spouses and their bosses compared to the Lower Efficacy group. Fourth, the most frequently adopted coping style to stress was self-regulation, followed by direct problem solving, and nothing(none). The most frequent response for the Upper Efficacy group was direct problem solving, whereas for the Lower Efficacy group was nothing(none). There was a significant difference in coping efficiency to stress according to level of self-efficacy. The Upper Efficacy group coped more efficiently with stress than the Lower Efficacy group.

A study of the factors in Economic Dependency in the Senior Center for the Elderly -on the Basis of Elderly in Songpa-gu, Seoul- (경로당 이용노인의 경제적 의존성에 영향을 미치는 요인 -서울시 송파구 노인을 중심으로-)

  • Lee, Ae-Lyeon;Kim, Ji-Eun
    • Journal of Family Resource Management and Policy Review
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    • v.16 no.4
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    • pp.213-233
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    • 2012
  • This descriptive study about a community center for elderly users identifies factors influencing economic dependency. The objective of this study is to find factors that contribute to increased economic dependency and to provide basic data for preventing conflict between caregivers and elderly dependents. The subjects are 204 elderly persons who are community-center users in SongPa-Gu. Thirteen dongs (administrative areas) were chosen randomly in a cluster sample from among 26 dongs in Soungpagu containing a total of 158 community centers for the elderly. I obtained informed consents for my research from all subjects, and collected data by conducting interviews from June 28th, 2011 to August 7th, 2011. The data was analyzed by descriptive statistics, t-test, one-way ANOVA, Duncan test and multi regression analysis. The mean economic dependency score was 3.23, meaning that subjects with this score are dependent at a level that is "over intermediate". The level of formal education, homeownership, financial assistance from family and the number of families, financial assistance to the family and the number of families, economic life satisfaction, self efficacy and social support.

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A Convergence Study on the Effect of Self Management and Self efficacy on Hemodialysis related Symptom of Diabetic Nephropathy Hemodialysis Patients (당뇨병성 신증 혈액투석 환자의 자가관리와 자기효능감이 혈액투석 관련 증상에 미치는 영향에 관한 융합연구)

  • Jun, Young-Hee
    • Journal of the Korea Convergence Society
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    • v.10 no.8
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    • pp.299-308
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    • 2019
  • The purpose of this study was to confirm if self-management and self-efficacy of diabetic nephropathy hemodialysis patients were influencing factors on the hemodialysis-related symptoms. A cross-sectional study was performed on 254 patients based at 3 University hospital hemodialysis centers and 7 hemodialysis clinics from September 2017 to November 2017. The data was analyzed using t-test, ANOVA, Scheffe test, Pearson correlation, and multiple regression analysis. The results showed that patients with stable economic condition and no complications from diabetes, the higher patient self-management and self-efficacy led to lower hemodialysis related symptoms. Therefore, the government should provide financial support, a management process needs to be set up to prevent complications from diabetes, and disease-specific patient self-management program should be implemented to increase patient's self-efficacy.

The Relation among Family Strength and Self-efficacy in Middle School Students (남녀 중학생의 가족건강성과 자아효능감의 관계)

  • Choi, Yuri;Shin, Hyoshick;Lee, Seonjeong
    • Journal of Korean Home Economics Education Association
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    • v.26 no.1
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    • pp.69-80
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    • 2014
  • The purpose of this study was to investigate the relation among family strength and self-efficacy. This subjects were the 576 middle school students living in Gwangju. Data were analyzed with SPSS 20.0 program. The major findings were as follows; First, middle school students' family strength scores were higher than median(3.00). Family respect and affection scores were highest and communication and family bonding scores were lowest. Also, self-efficacy scores were higher than median(3.00). Second, family strength and the self-efficacy showed significant correlation. Third, the male middle school students' self-efficacy was influenced by Family respect and affection. And the male middle school students' self-efficacy was explained about 29% by this variable. The Female middle school students' self-efficacy was influenced by Family respect and affection and Financial stability. And the female middle school students' self-efficacy was explained about 32% by these variables.

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