Personal Knowledge Of Mobile Banking System and Trust Of Mobile Banking Transactions Of Small Business Owners In Borama, Somaliland.

ABSTRACT This study on “personal knowledge of mobile banking system and trust of mobile banking transactions of small business owners in Borama, Somaliland” was

conducted with the purpose of the highlighting the role of personal knowledge of mobile of mobile banking system on the trust of mobile banking transactions. The researcher had intention of responding to Four questions: What was the profile of the respondents in terms gender, age, qualification and work experience? What was extent of personal knowledge of mobile banking system of small business owners? What was the level of trust of mobile banking transactions of small business owners? Was there a significant relationship between personal knowledge of mobile banking system and trust of mobile banking transactions of small business owners? A sample

of 109 small business owners were selected, respondents were selected from a target population of 150 small business owners by used Slovene’s formula; the

researcher utilized to select the respondents was first stratified random sampling; the researcher divided the respondents to their respective categories like the services

based and goods based enterprises then used simple random sampling to select respondents from each category, the instrument employed in this study was questionnaire. SPSS was used to analyze all data. The researcher discovered that, the extent of personal knowledge of mobile banking system of small business owners in Borama was high, the level of trust of mobile banking transactions of small business owners in Borama was also high, there was positive significance relationship between the extent of personal knowledge of mobile banking system

and the level of trust of mobile banking transactions and the null hypothesis was rejected and alternative hypothesis was taken, it was concluded that there was a positive significance relationship between the extent of personal knowledge of mobile banking system and the level of trust of mobile banking transactions of small business owners in Borama,

TABLE OF CONTENTS

Chapter Page

One THE PROBLEM AND ITS SCOPE

Background of the Study i

Statement of the Problem 4

Purpose of the Study 5

Research Objectives

Research Questions 6

Hypotheses 7

Scope 7

Significance of the Study 8

Operational Definitions of Key Terms 9

Two REVIEW OF RELATED LITERATURE

Concepts, Ideas, Opinions From Authors/Experts 10

Theoretical Perspectives 18

Related Studies 19

Three METHODOLOGY

Research Design 23

Target Population 23

Sample Size 23

Sampling Procedure 24

Research Instruments 25

Validity and Reliability of the Instrument 25

Data Gathering Procedures 26

Data Analysis 28

V

Ethical Considerations 29

Limitations of the Study 29

Four PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA

Demographic information of the respondents 31

Description of the independent variable 34

Description of the dependent variable 40

Hve FINDINGS, CONCLUSION AND RECOMMENDATION

Summary of findings 46

Conclusions 48

Recommendations 50

References 51

Appendices

Appendix I - Transmittal Letter 55

Appendix II - Clearance from Ethics Committee 56

Appendix III- Calculation of content of validity indexes 58

Appendix IV - Calculation of Sample Size 59

Appendix V- Informed consent 60

Appendix VI - Transmittal letter for the respondents 61

Appendix VII A- Demographic characteristics 62

Appendix VII B- Questionnaires for the personal knowledge

of mobile banking system 63

Appendix VII C- Questionnaires for Trust of mobile banking

Transactions 65

Appendix VII — Research’s curriculum vita 66

Letter from Badar Store and Building Material 71

Letter from American Private school 72