Purchase behaviour of microcredit: the case of war-affected youth

The main aim of this study is to investigate war-affected youths' purchase intentions of microcredit. The findings of this study may contribute to promoting their entrepreneurial activities in the post-war era. The Theory of Planned Behaviour underpins the conceptual framework of this study. The sample comprised 1250 youth selected from war-affected Northern Province of Sri Lanka. The results showed that Positive Affects and Subjective Norms increased Purchase Intentions, nevertheless Perceived Deterrents reduced them. Entrepreneurial Desire also enhanced Purchase Intentions, and additionally Desire influenced all the determinants of Purchase Intentions. Based on these findings, implications to theory and practice have been discussed.