{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,25]],"date-time":"2026-06-25T18:54:57Z","timestamp":1782413697061,"version":"3.54.5"},"reference-count":67,"publisher":"Emerald","issue":"7","license":[{"start":{"date-parts":[[2019,8,12]],"date-time":"2019-08-12T00:00:00Z","timestamp":1565568000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["IMDS"],"published-print":{"date-parts":[[2019,8,12]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title><jats:p>The purpose of this paper is to investigate and understand China\u2019s rural farmers\u2019 financing intention of inclusive finance, and it examines related drivers like knowledge of inclusive finance, perceived benefits and perceived risks of ordering finance. Besides, the social enterprise embeddedness and digital finance are integrated into the conceptual model to further investigate their moderating impact.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>The authors designed an inclusive finance intention model to examine the relations between dependent variable knowledge of inclusive finance, intermediary variables perceived benefits and perceived risks of ordering finance and the independent variable financing intention of inclusive finance. The embeddedness of social enterprise and digital finance were identified as modifying factors. Both exploratory and conclusive research strategies were applied. A structured questionnaire was developed to collect empirical data from the rural areas of China.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>It suggests that knowledge of inclusive finance can strengthen both perceived benefits and perceived risk of ordering finance. Interestingly, the embeddness of social enterprise can significantly reduce risk perceptions and improve perceived benefits of ordering finance. Furthermore, perceived benefits of ordering finance can positively enhance rural farmers\u2019 financing intention of inclusive finance, whereas perceived risks can negatively influence the financing intention. Moreover, digital finance as a modifying factor can significantly strengthen the positive correlation between perceived benefits of ordering finance and financing intention of inclusive finance.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title><jats:p>The research indicates that a systematic inclusive finance educational project is needed to enhance rural farmers\u2019 understanding of inclusive finance and its components. Moreover, the study reveals that it is crucial to promote social enterprise participation and digital finance to develop inclusive finance in rural China, as the service attributes of social enterprise and efficiency of digital finance can greatly reduce the existing transaction cost of farmers.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>The conceptual model would potentially contribute to researchers interested in investigating the financing intention of inclusive financial services relating to rural population. The integration of social enterprise embeddedness and digital finance is the uniqueness of this research conceptual model.<\/jats:p><\/jats:sec>","DOI":"10.1108\/imds-08-2018-0374","type":"journal-article","created":{"date-parts":[[2019,6,26]],"date-time":"2019-06-26T04:56:13Z","timestamp":1561524973000},"page":"1535-1563","source":"Crossref","is-referenced-by-count":97,"title":["An empirical analysis of rural farmers\u2019 financing intention of inclusive finance in China"],"prefix":"10.1108","volume":"119","author":[{"given":"Gulizhaer","family":"Aisaiti","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Luhao","family":"Liu","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Jiaping","family":"Xie","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Jun","family":"Yang","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"140","reference":[{"issue":"2","key":"key2019091812093370800_ref001","doi-asserted-by":"crossref","first-page":"179","DOI":"10.1016\/0749-5978(91)90020-T","article-title":"The theory of planned behavior","volume":"50","year":"1991","journal-title":"Organizational Behavior and Human Decision Processes"},{"key":"key2019091812093370800_ref002","first-page":"297","article-title":"The social psychology of decision making","year":"1996","journal-title":"Social Psychology: Handbook of Basic Principles"},{"issue":"1","key":"key2019091812093370800_ref003","doi-asserted-by":"crossref","first-page":"39","DOI":"10.1016\/S0305-750X(00)00087-5","article-title":"Microfinance with Chinese characteristics","volume":"29","year":"2001","journal-title":"World Development"},{"issue":"4","key":"key2019091812093370800_ref004","doi-asserted-by":"crossref","first-page":"6","DOI":"10.1525\/cmr.2010.52.4.6","article-title":"The last frontier: market creation in conflict zones, deep rural areas, and urban slums","volume":"52","year":"2010","journal-title":"California Management Review"},{"issue":"7","key":"key2019091812093370800_ref005","doi-asserted-by":"crossref","first-page":"505","DOI":"10.1108\/02652320810913864","article-title":"Perceived risk and Chinese consumers\u2019 internet banking services adoption","volume":"26","year":"2008","journal-title":"The International Journal of Bank Marketing"},{"issue":"4","key":"key2019091812093370800_ref006","doi-asserted-by":"crossref","first-page":"546","DOI":"10.1016\/j.joep.2011.04.001","article-title":"Mental budgeting and the management of household finance","volume":"32","year":"2011","journal-title":"Journal of Economic Psychology"},{"issue":"2","key":"key2019091812093370800_ref007","first-page":"12","article-title":"Microfinance customer (borrower) experience towards the effectiveness of MFIs in Bangladesh: an exploratory analysis","volume":"30","year":"2010","journal-title":"ABAC Journal"},{"issue":"13","key":"key2019091812093370800_ref008","first-page":"11","article-title":"Consumer behaviour of the base of the pyramid market in Brazil","volume":"56","year":"2010","journal-title":"Greener Management International"},{"issue":"1","key":"key2019091812093370800_ref009","doi-asserted-by":"crossref","first-page":"1","DOI":"10.57229\/2373-1761.1074","article-title":"Microfinance: a comprehensive review of the existing literature","volume":"9","year":"2004","journal-title":"Journal of Entrepreneurial Finance"},{"issue":"2","key":"key2019091812093370800_ref010","first-page":"44","article-title":"Kiva, and prosper.com: how disintermediation and the internet are changing microfinance","volume":"3","year":"2007","journal-title":"Community Development Investment Review"},{"issue":"4","key":"key2019091812093370800_ref011","first-page":"325","article-title":"The social contract, social enterprise, and business model innovation","volume":"4","year":"2014","journal-title":"Systematic Botany"},{"key":"key2019091812093370800_ref012","unstructured":"Chan, S. 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