Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria

Mo1igage for financing house construction 1s essential for the attainment of homeownership in Nigeria. This research evaluated the perceptions of potential homeowners on mortgage financing in terms of attitude towards it, subjective norm, perceived behavioral control, religiosity and knowledge of mo...

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Main Author:	Usman, Hamza
Format:	Thesis
Language:	English English English
Published:	2016
Subjects:	HD Industries Land use Labor HD101-1395.5 Land use Land tenure
Online Access:	http://eprints.uthm.edu.my/9948/2/24p%20HAMZA%20USMAN.pdf http://eprints.uthm.edu.my/9948/1/HAMZA%20USMAN%20COPYRIGHT%20DECLARATION.pdf http://eprints.uthm.edu.my/9948/3/HAMZA%20USMAN%20WATERMARK.pdf
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id	my-uthm-ep.9948
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spelling	my-uthm-ep.99482023-09-13T07:31:45Z Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria 2016-03 Usman, Hamza HD Industries. Land use. Labor HD101-1395.5 Land use Land tenure Mo1igage for financing house construction 1s essential for the attainment of homeownership in Nigeria. This research evaluated the perceptions of potential homeowners on mortgage financing in terms of attitude towards it, subjective norm, perceived behavioral control, religiosity and knowledge of mortgage financing and determined how these perceptions influence intention of using mortgage in financing house construction in Bauchi metropolis, Nigeria, using the Theory of Planned Behavior (TPB). Quantitative research approach using survey design was adopted. Data was collected using closed-ended questionnaires randomly distributed to a sample of 300 potential homeowners out of which 235 were considered valid for the analysis. Both descriptive and inferential statistical tools such as factor analysis and Partial Least Square-Structural Equation Modeling (PLS-SEM) were used to analyze the data using SPSS2 l and Sma1iPLS2 software. Overall, the research found that perceptions on mortgage financing was significant in predicting intention of using mortgage in financing housing construction because the model predict 77.6 percent (R2=0.776) of the variance. Thus, potential homeowner' perception on mortgage have significant effect on their intention of using mortgage in financing homeownership in Bauchi metropolis, Nigeria. Religiosity was found to be the most significant determinant ( 2016-03 Thesis http://eprints.uthm.edu.my/9948/ http://eprints.uthm.edu.my/9948/2/24p%20HAMZA%20USMAN.pdf text en public http://eprints.uthm.edu.my/9948/1/HAMZA%20USMAN%20COPYRIGHT%20DECLARATION.pdf text en staffonly http://eprints.uthm.edu.my/9948/3/HAMZA%20USMAN%20WATERMARK.pdf text en validuser mphil masters Universiti Tun Hussein Onn Malaysia Fakulti Pengurusan Teknologi dan Perniagaan
institution	Universiti Tun Hussein Onn Malaysia
collection	UTHM Institutional Repository
language	English English English
topic	HD Industries Land use Labor HD101-1395.5 Land use Land tenure
spellingShingle	HD Industries Land use Labor HD101-1395.5 Land use Land tenure Usman, Hamza Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
description	Mo1igage for financing house construction 1s essential for the attainment of homeownership in Nigeria. This research evaluated the perceptions of potential homeowners on mortgage financing in terms of attitude towards it, subjective norm, perceived behavioral control, religiosity and knowledge of mortgage financing and determined how these perceptions influence intention of using mortgage in financing house construction in Bauchi metropolis, Nigeria, using the Theory of Planned Behavior (TPB). Quantitative research approach using survey design was adopted. Data was collected using closed-ended questionnaires randomly distributed to a sample of 300 potential homeowners out of which 235 were considered valid for the analysis. Both descriptive and inferential statistical tools such as factor analysis and Partial Least Square-Structural Equation Modeling (PLS-SEM) were used to analyze the data using SPSS2 l and Sma1iPLS2 software. Overall, the research found that perceptions on mortgage financing was significant in predicting intention of using mortgage in financing housing construction because the model predict 77.6 percent (R2=0.776) of the variance. Thus, potential homeowner' perception on mortgage have significant effect on their intention of using mortgage in financing homeownership in Bauchi metropolis, Nigeria. Religiosity was found to be the most significant determinant (
format	Thesis
qualification_name	Master of Philosophy (M.Phil.)
qualification_level	Master's degree
author	Usman, Hamza
author_facet	Usman, Hamza
author_sort	Usman, Hamza
title	Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
title_short	Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
title_full	Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
title_fullStr	Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
title_full_unstemmed	Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria
title_sort	homeowners' perception on mortgage financing: a case of bauchi metropolis nigeria
granting_institution	Universiti Tun Hussein Onn Malaysia
granting_department	Fakulti Pengurusan Teknologi dan Perniagaan
publishDate	2016
url	http://eprints.uthm.edu.my/9948/2/24p%20HAMZA%20USMAN.pdf http://eprints.uthm.edu.my/9948/1/HAMZA%20USMAN%20COPYRIGHT%20DECLARATION.pdf http://eprints.uthm.edu.my/9948/3/HAMZA%20USMAN%20WATERMARK.pdf
_version_	1783728973371408384

Homeowners' perception on mortgage financing: a case of bauchi metropolis Nigeria

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