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首页> 外文会议>Thirteenth Wuhan international conference on E-business >Applying Farmer Technology Acceptance Model to Understand Farmer's Behavior Intention to use ICT Based Microfinance Platform:A Comparative analysis between Bangladesh and China
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Applying Farmer Technology Acceptance Model to Understand Farmer's Behavior Intention to use ICT Based Microfinance Platform:A Comparative analysis between Bangladesh and China

机译：运用农民技术接受模型了解农民使用基于ICT的小额信贷平台的行为意图：孟加拉国与中国的比较分析

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Bangladesh has been a pioneer in the microfinance movement since its inception in the early 1980s, and today this concept has been adopted by many countries including China, India, and Brazil.It is already proven as strong and useful poverty reduction tools by researchers worldwide.Conversely, Online Peer-to-Peer (P2P) lending, also known as online social lending is a new form of electronic commerce platform for the poor.Nowadays, the main concept has been exacerbated by MFIs towards achieving institutional benefits rather than alleviating poverty.The essence of ICT, which is widely used by middle and poor class farmer in Bangladesh, has not been incorporated with microfinance platform extensively.This paper describes farmers' perceptions about P2P microfinance platform in terms of applying the Farmers Technology Acceptance Model (FTAM).This study also proposed an integrated theoretical framework of farmer acceptance and intention to use ICT enabled product and services based on technology acceptance model (TAM).Total Eighty (80) households from both countries were surveyed with structured questionnaire during the FGD, and In-depth Interview sessions to know the perception about technology, and the motivations to use ICT Based Microfinance Platform in resolving agriculture needs by the rural farmers.In this study, analysis of field study data provides evidence of the reliability and validity of the proposed Conceptual Model.Finally, a comparative analysis is drawn based on empirical evidence, collected from both countries.The findings contribute to future research on external variables of TAM.
机译：自1980年代初成立以来，孟加拉国一直是小额信贷运动的先驱，如今，这一概念已被包括中国，印度和巴西在内的许多国家所采用，并已被全世界的研究人员证明是强大而有用的减贫工具。相反，在线对等（P2P）借贷（也称为在线社会借贷）是针对穷人的一种新型电子商务平台。如今，小额信贷机构为实现机构利益而非减轻贫困而加剧了这一主要概念。孟加拉国中低收入农民广泛使用的ICT的本质尚未广泛地与小额信贷平台结合。本文通过应用农民技术接受模型（FTAM）描述了农民对P2P小额信贷平台的看法。这项研究还提出了一个综合的理论框架，即农民对技术的接受和使用基于信息通信技术的产品和服务的意愿。在烟气脱硫期间，通过结构化问卷调查了来自两国的八十（80）户家庭，并进行了深入访谈，以了解技术知识以及使用基于ICT的小额信贷平台解决农业问题的动机在这项研究中，对实地研究数据的分析为拟议的概念模型的可靠性和有效性提供了证据。最后，基于经验证据对两国进行了比较分析，这些发现有助于未来TAM外部变量的研究。

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