Factors influencing achievement motivation of clients in technology acceptance in digitalisation of the microfinance sector

Factors influencing achievement motivation of clients in technology acceptance in digitalisation of the microfinance sector

Authors

  • Divya Sajan Department of Professional Management Studies, Kristu Jayanti College
  • C. Samuel Joseph MCC Boyd Tandon School of Business
  • B. Navaneetham Division of Agricultural Economics, School of Agriculture Sciences
  • D. Mahila Vasanthi Thangam Department of Commerce and International Trade, Karunya Institute of Technology and Sciences

Keywords:

exploratory factor analysis, Confirmatory Factor Analysis goodness of fit,

Abstract

This study examined the factors influencing the achievement motivation of microfinance clients adopting digitalised servicesduring the COVID-19 pandemic from September 2021 to March 2022. The research involved surveying 500 digitallyengaged clients from a highly literate town. Exploratory and confirmatory factor analyses revealed five key motivationalfactors: three related to job involvement, one to perceived workload, and the sanctioned borrowing amount. The results ofthe structural equation model demonstrated a good fit of the model, confirming these factors’ influence on client motivationin embracing digital microfinance services.

Author Biographies

Divya Sajan, Department of Professional Management Studies, Kristu Jayanti College

Department of Professional Management Studies, Kristu Jayanti College, K. Narayanapura , Kothanur, Bengaluru - 560 077, Karanataka, India

C. Samuel Joseph, MCC Boyd Tandon School of Business

MCC Boyd Tandon School of Business, MES Road, East Tambaram, Chennai 600 059, Tamil Nadu, India

B. Navaneetham, Division of Agricultural Economics, School of Agriculture Sciences

Karunya Institute of Technology and Sciences, Coimbatore - 641 114, Tamil Nadu, India

D. Mahila Vasanthi Thangam, Department of Commerce and International Trade, Karunya Institute of Technology and Sciences

Department of Commerce and International Trade, Karunya Institute of Technology and Sciences, Coimbatore 641 114, Tamil Nadu, India

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Published

05-07-2025

How to Cite

Divya Sajan, C. Samuel Joseph, B. Navaneetham, & D. Mahila Vasanthi Thangam. (2025). Factors influencing achievement motivation of clients in technology acceptance in digitalisation of the microfinance sector. Journal of Tropical Agriculture, 63(I&II), 1–9. Retrieved from https://jtropag.kau.in/index.php/ojs2/article/view/1386

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