Loan repayment among group borrowers in Tanzania: the role of relationship quality

Abbink K, Irlenbusch B, Renner E (2007) Group size and social ties in microfinance institutions. Econ Inq 44(4):614–628. https://doi.org/10.1093/ei/cb1001 Ahlin C (2020) Group lending, matching patterns, and the mystery of microcredit: evidence from Thailand. Quant Econ 11(1):713–759. https://doi.org/10.3982/QE1115 Akhter J, Cheng K (2020) Sustainable empowerment initiatives among rural women through microcredit borrowings in Bangladesh. Sustainability 12(1):1–19 Ali I, Mia AM, Azman A, Masron AT (2022) Factors affecting multiple borrowing among microfinance clients: evidence from Bangladesh. Asia Pacific J Bus Adm. https://doi.org/10.1108/APJBA-06-2021-0250 Almomani HQ (2019) Relationship quality as predictor of B2B customer loyalty in the pharmaceutical sector: evidence from Jordan. J Relation Market 18(2):108–123. https://doi.org/10.1080/15332667.2018.1534062 Al-Nsour SN (2020) The role of customer engagement and relationship quality toward e-customer loyalty in the Jordanian online environment. Int J Bus Manag 15(2):149. https://doi.org/10.5539/ijbm.v15n2p149 Alves H, Campon-Cerro AM, Hernández-Mogoll JM (2019) Enhancing rural destinations’ loyalty through relationship quality. Spanish J Market ESIC 23(2):185–204. https://doi.org/10.1108/SJME-09-2018-0041 Anderson JC, Gerbing DW (1988) Structural modeling in practice: a review and recommended two-step approach. Psychol Bull 103(3):411–423. https://doi.org/10.1037/0033-2909.103.3.411 Anderson JC, Narus JA (1990) A model of distributor firm and manufacturer firm working partnerships. J Mark 54(1):42–58. https://doi.org/10.2307/1252172 Argan M (2017) Scale of health-based relationship quality (H-Rq): development, validity, and reliability. Int J Med Res Health Sci 6(5):27–37 Armendáriz de Aghion B, Gollier C (2000) Peer group formation in an adverse selection model. Econ J 110:632–643. https://doi.org/10.1111/1468-0297.00557 Babbie ER (2009) The practice of social research, 12th edn. Wadsworth Publishing, Belmont, CA Bagozzi RP, Yi Y (1988) On the evaluation of structural equation models. J Acad Mark Sci 16(1):74–94. https://doi.org/10.1007/BF02723327 Berry LL, Parasuraman A (1991) Marketing services: competing through quality. The Free Press, New York. https://doi.org/10.2307/1252050 Bian Q, Forsythe S (2012) Purchase intention for luxury brands: a cross cultural comparison. J Bus Res 65:1443–1451. https://doi.org/10.1016/j.jbusres.2011.10.010 Cassar A, Crowley L, Wydick B (2007) The effect of social sapital on group loan repayment: evidence from field experiments. Econ J 117(517):F85–F106 Crosby LA, Evans KR, Cowles D (1990) Relationship quality in services selling: an interpersonal influence perspective. J Mark 54(3):68–81. https://doi.org/10.2307/1251817 Dillman DA, Smyth JD, Christian LM (2008) Internet, mail, and mixed-mode surveys: the tailored design method, 3rd edn. Wiley & Sons, Hoboken, N.J. Dodds WB, Monroe K, Grewal D (1991) Effects of price, brand, and store information on buyers’ product evaluations. J Mark Res 28(3):307–319. https://doi.org/10.2307/3172866 Duarte PAO, Raposo MLB (2010) A PLS model to study brand preference an application to the mobile phone market. In: Vinzi VE (ed) Handbook of partial least squares: concepts, methods, and applications. Springer, New York, pp 449–485. https://doi.org/10.1007/978-3-540-32827-8 Fernandes T, Pinto T (2019) Relationship quality determinants and outcomes in retail banking services: the role of customer experience. J Retail Consum Serv 50:30–41. https://doi.org/10.1016/j.jretconser.2019.01.018 Fornell C, Larcker DF (1981) Evaluating structural equation models with unobservable variables and measurement error. J Mark Res 18(1):39–50. https://doi.org/10.2307/3151312 Ganesan S (1994) Determinants of long-term orientation in buyer-seller relationships. J Mark 58(2):1–19. https://doi.org/10.2307/1252265 Gronroos C (1990) Service management: a management focus for service competition. Int J Serv Ind Manag 1(1):6–14. https://doi.org/10.1108/09564239010139125 Groves RM, Fowler FJ Jr, Couper MP, Lepkowski JM, Singer E, Tourangeau R (2009) Survey methodology, 2nd edn. Wiley & Sons, Hoboken, N.J. Hair JF, Risher JJ, Sarstedt M, Ringle CM (2019) When to use and how to report the results of PLS-SEM. Eur Bus Rev 31(1):2–24. https://doi.org/10.1108/EBR-11-2018-0203 Huo B, Fu D, Zhao X, Zhu J (2016) Curbing opportunism in logistics outsourcing relationships: the role of relational norms and contract. Int J Prod Econ 182:293–303. https://doi.org/10.1016/j.ijpe.2016.07.005 Izogo EE, Abdi Reza A, Ogba I-E, Oraedu C (2017) Determinants of relationship quality and customer loyalty in retail banking: evidence from Nigeria. African J Econ Manag Studies 8(2):186–204. https://doi.org/10.1108/AJEMS-01-2016-0011 Jelodar MB, Yiu TW, Wilkinson S (2016) A conceptualization of relationship quality in construction procurement. Int J Project Manage 34:997–1011. https://doi.org/10.1016/j.ijproman.2016.03.005 Kasoga PK, Tegambwage GA (2021) An assessment of over-indebtedness among microfinance institutions’ borrowers: the Tanzanian perspective. Cogent Bus Manag 8(1):1–19. https://doi.org/10.1080/23311975.2021.1930499 Kasoga PS (2020) Microfinance institutions and women’s empowerment: empirical evidence in Tanzania. Int J Finan Serv Manag 10(3):190–216. https://doi.org/10.1504/IJFSM.2020.111101 Kasoga PNS (2016) Trust and borrowing incurring joint versus individual liability: The case of selected tribes in Tanzania. Int J Manag Soc Sci 4(9):157–171 Kasoga PNS (2015) Risk perception and adoption of joint versus individual liability: the case of selected tribes in Tanzania. Global J Manag Bus Res 5(10):39–54 Kasoga PN (2014) Influence of cultural values on the adoption of microfinance lending models in Tanzania. PhD Thesis, University of Dodoma, Tanzania Khan AT, Khan AF, Violinda Q, Aasir I, Jian S (2020) Microfinance facility for rural women entrepreneurs in Pakistan: an empirical analysis. Agriculture 10(54):1–17 Law KS, Wong C, Mobley WH (1998) Toward a taxonomy of multidimensional constructs. Acad Manag Rev 23(4):741–755. https://doi.org/10.2307/259060 Levin E, Quach TN, Thaichon P (2018) Enhancing client-agency relationship quality in the advertising industry—an application of project management. J Bus Ind Market. https://doi.org/10.1108/JBIM-08-2017-0186 Lian SB (2007) The role of relationship quality on customer loyalty: The effectiveness of strategic relationship marketing. In: Proceedings of the IIER international conference, Tokyo, Japan, 29th–30th July https://www.worldresearchlibrary.org/up_proc/pdf/956-150303321521-24.pdf Lumineau F, Quelin BV (2011) An empirical investigation of interorganizational opportunism and contracting mechanisms. Strateg Organ 10(1):55–84. https://doi.org/10.1177/1476127011434798 Lusk JL, McLaughlin L, Jaeger SR (2007) Strategy and response to purchase intention questions. Market Lett 18:31–44. https://doi.org/10.1007/s11002-006-9005-7 Mcknight D, Choudhury V, Kacmar C (2002) Developing and validating trust measures for e-commerce: an integrative typology. Inf Syst Res 13(3):334–359. https://doi.org/10.1287/isre.13.3.334.81 Menidjel C, Bilgihan A, Benhabib A (2021) Exploring the impact of personality traits on perceived relationship investment, relationship quality, and loyalty in the retail industry. Int Rev Retail Distrib Consum Res 31(1):106–129. https://doi.org/10.1080/09593969.2020.1781228 Mia MA, Lee HA, Chandran VGR, Rasiah R, Rahman M (2019) History of microfinance in Bangladesh: a life cycle theory approach. Bus Hist 61(4):703–733. https://doi.org/10.1080/00076791.2017.1413096 Morgan RM, Hunt SD (1994) The commitment-trust theory of relationship marketing. J Mark 58(3):20–38. https://doi.org/10.2307/1252308 Muafi U (2016) Analyzing fit in CSR strategy research in state-owned enterprises: Indonesia context. J Ind Eng Manag 9(1):179–206. https://doi.org/10.3926/jiem.1729 Palmatier RW, Dant RP, Grewal D, Evans KR (2006) Factors influencing the effectiveness of relationship marketing: a meta-analysis. J Mark 70(4):136–153. https://doi.org/10.2139/ssrn.904647 Palmer A (2002) The evolution of an idea: an environmental explanation of relationship marketing. J Relation Market 1(1):79–94. https://doi.org/10.1300/J366v01n01_06 Pavlou P, Liang H, Xue Y (2007) Understanding and mitigating uncertainty in online exchange relationships: a principal-agent perspective. MIS Q 31:105–136. https://doi.org/10.2307/25148783 Pellegrina DL, De Michele A, Di Maio G, Landoni P, Parravicini S (2021) Group meeting frequency and borrowers’ repayment performance in microfinance: evidence from a quasi-natural experiment in South Africa. J Afr Econ 30(5):447–477. https://doi.org/10.1093/jae/ejab004 Podsakoff PM, MacKenzie SB, Lee JY, Podsakoff NP (2003) Common method biases in behavioral research: a critical review of the literature and recommended remedies. J Appl Psychol 88(5):879–903. https://doi.org/10.1037/0021-9010.88.5.879 Postelnicu L, Hermes N, Servin R (2019) External social ties and loan repayment of group lending members: a case study of Pro Mujer Mexico. J Develop Studies 55(8):1784–1798. https://doi.org/10.1080/00220388.2018.1464148 Roberts-Lombard M, Mpinganjira M, Svensson G (2019) The antecedents and postcedents of satisfaction in business-to-business relationships in South Africa. South African J Bus Manag 50(1):a212. https://doi.org/10.4102/sajbm.v50i1.212 Salah M, Abou-Shouk MA (2019) The effect of customer relationship management practices on airline customer loyalty. J Tourism Herit Serv Market 5(2):11–19. https://doi.org/10.5281/zenodo.3601669 Sarstedt M, Hair JF, Cheah J (2019) How to specify, estimate and validate higher-order constructs in PLS-SEM. Australas Mark J 27:197–211. https://doi.org/10.1016/j.ausmj.2019.05.003 Samudro A, Sumarwan U, Simanjuntak M, Yusuf EZ (2019) Building the model of a relationship quality: an investigation of the chemical industry. MIX J Ilmiah Manajemen 9(3):528–543. https://doi.org/10.22441/mix.2019.v9i3.010 Snijders I, Wijnia L, Kuiper MR, Rikers RMJP, Loyens SMM (2022) Relationship quality in higher education and the interplay with student engagement and loyalty. Br J Educ Psychol 92(2):1–22. https://doi.org/10.5281/zenodo.3601669 Snijders I, Wijnia L, Rikers RMJP, Loyens SMM (2020) Alumni loyalty drivers in higher education. Soc Psychol Educ 22(3):607–627. https://doi.org/10.1007/s11218-019-09488-4 Tegambwage AG, Kasoga PS (2022) Antecedents of customer loyalty in Islamic banking: evidence from Tanzania. J Islamic Account Bus Res 13(4):701–713. https://doi.org/10.1108/JIABR-10-2021-0288 Ullah I, Khawaja MI, Iqbal N (2019) Sustainability, market conditions and outreach: the vicious misconception of the win-win proposition in the microfinance industry. Econ Res-Ekonomska Istrazivanja 32(1):2122–2137. https://doi.org/10.1080/1331677X.2019.1642779 USAID (2021) How USAID is improving women’s rights in Tanzania. https://borgenproject.org/womens-rights-in-tanzania/ Wang J, Wang X (2019) Structural equation modeling: applications using Mplus, 2nd ed., Wiley Series in Probability and Statistics. Available online at: https://www.wiley.com/enus/Structural+Equation+Modeling+Applications+Using+Mplus+2nd+Edition-p-9781119422723. Wisker ZL (2020) Examining relationship quality in e-tailing experiences: a moderated-mediated model. Mark Intell Plan. https://doi.org/10.1108/MIP-05-2019-0284 Yang J, Xie H, Wang J, Yang Y (2020) Performance implication of supplier relationship quality: a structural analysis. Benchmarking Int J 28(1):28–41. https://doi.org/10.1108/BIJ-04-2020-0146 Yeo ACM, Lai MEK (2020) The Influence of B2B relationship quality on opportunism and firm performance. Holistica J Bus Public Adm 11(3):59–87. https://doi.org/10.2478/hjbpa-2020-0032