ISSN: 1019-7044
Volume XLVI, Nos. 3 & 4, September-December 2021
Published: April 2022
Pages:
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This research paper is to find out the role of two dimensions of Organisational Citizenship Behaviour viz. Organisational Citizenship Behaviour-Individual (OCBI) and Organisational Citizenship Behaviour - Organisational (OCBO) of bank officers in India while giving a loan to MSME entrepreneurs. This study presents an initial investigation of the degree to which Organisational Citizenship Behaviour of the bank officers correlates with loan decision taken by the bank officers. The study is conducted using quantitative research methods to measure Organisational Citizenship Behaviour of bank officers in India. A dummy loan proposal was prepared to find out the decision taken on a loan proposal and then the relation between the Organisational Citizenship Behaviour and the decision taken by the bank officers were analysed. The survey was conducted on 557 bank officers in India. Statistical test, Discriminant Analysis for multiple groups was used to analyse the results. The findings of the study revealed that the two dimensions of Organisational Citizenship Behaviour significantly influence loan decisions of bank officers in India. The literature review did not reveal a study on the influence of Organisational Citizenship Behaviour on loan decision taken by bank officers in India and hence the research work is original.
Keywords: Organisational Citizenship Behaviour; Banks; Loan Decisions; Entrepreneurs; Bank Officers.
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