利用结构和行为模型促进非银行金融公司的绿色消费信贷实践

IF 12.5 1区社会学 Q1 SOCIAL ISSUES

Technology in Society Pub Date : 2025-09-23 DOI:10.1016/j.techsoc.2025.103083

Vikas Sharma , Ramona Rupeika-Apoga

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引用次数: 0

摘要

尽管绿色消费信贷与可持续发展目标的关系日益密切，但非银行金融部门对绿色消费信贷的采用仍然有限。本文结合资源基础理论和计划行为理论，探讨了非银行金融公司（NBFCs）如何将内部资源和行为驱动因素战略性地结合起来，以解释与绿色信贷采用相关的消费者行为。利用2024年12月从印度主要城市的347名nbfc经理和高管中收集的调查数据，开发了一个新的概念框架。偏最小二乘结构方程模型的结果在重要性-绩效图分析的支持下表明，金融资本、组织能力和绿色技术基础设施都影响感知的社会压力，这是联系制度准备程度、行为意愿和绿色信贷接受的关键因素。这些发现强调了将内部战略资源与行为因素结合起来以支持NBFC行业可持续融资的价值。

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Leveraging structural and behavioral models to promote green consumer credit practices in non-banking financial companies

Despite its growing relevance to sustainability goals, the adoption of green consumer credit remains limited in the non-banking financial sector. This study investigates how non-banking financial companies (NBFCs) can strategically align internal resources and behavioral drivers to explain consumer behavior related to green credit adoption, integrating the resource-based view and the theory of planned behavior. A novel conceptual framework was developed using survey data collected in December 2024 from 347 managers and executives of NBFCs in major Indian cities. Results from partial least squares structural equation modeling, supported by importance–performance map analysis, indicate that financial capital, organizational capabilities, and green technology infrastructure each influence perceived social pressure—a key factor linking institutional readiness with behavioral intention and green credit uptake. These findings emphasize the value of aligning internal strategic resources with behavioral factors to support sustainable finance in the NBFC sector.

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来源期刊

Technology in Society Multiple-

CiteScore

17.90

自引率

14.10%

发文量

316

审稿时长

60 days

期刊介绍： Technology in Society is a global journal dedicated to fostering discourse at the crossroads of technological change and the social, economic, business, and philosophical transformation of our world. The journal aims to provide scholarly contributions that empower decision-makers to thoughtfully and intentionally navigate the decisions shaping this dynamic landscape. A common thread across these fields is the role of technology in society, influencing economic, political, and cultural dynamics. Scholarly work in Technology in Society delves into the social forces shaping technological decisions and the societal choices regarding technology use. This encompasses scholarly and theoretical approaches (history and philosophy of science and technology, technology forecasting, economic growth, and policy, ethics), applied approaches (business innovation, technology management, legal and engineering), and developmental perspectives (technology transfer, technology assessment, and economic development). Detailed information about the journal's aims and scope on specific topics can be found in Technology in Society Briefings, accessible via our Special Issues and Article Collections.