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:
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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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
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