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European Journal of Business and Management                                    www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

 Customers’ attitude towards agro based benefits provided by
           the telecommunication operators in Bangladesh
      S.M. Sohel Ahmed, Shah Johir Rayhan, Md. Ariful Islam, Noor- E- Zannath
                            Dhaka-1207, Bangladesh.
                        E-mail: smsohelahmed@gmail.com

Abstract
The main objective of this research is to find out attitude of users only towards agro
based benefits provided by telecommunication operators in Bangladesh. Agriculture is
the most important sector of the economy of Bangladesh which provides 63%
employment and contributing 18.6% to the national GDP. But unfortunately the farmer’s
community is one of the most deprived ones in the country and frequent access to
information remains one of the crying needs for a long time period. It can enable them to
enhance their quality of life. It has been argued that telecommunication operators can
come to aid in this respect. Telecommunications operators have already expanded their
services and provided specialized agro-based services to the farmers. It also explored the
characteristics of the user’s and their perception. Data were collected from 120
respondents who were the users of telecommunication operators in Bangladesh. The data
were collected through a structured interview schedule. Evidence from interviews
suggests that most of the users were young, had little farming experience with small farm
size and from small to medium families. These services were treated helpful to overcome
their obstacles to information collection but still not efficient like the means they use to
collect information traditionally. They want information in various fields of agriculture
especially in the area of price, weather information, cultivation technique, disease
treatment, fertilizer dose etc. Small farmers found it as a very effective any of
information service especially in case of emergency situation and due to its cost
effectiveness. But the mechanism need to use this services found sometimes difficult
especially for the illiterate farmers. From this research, students other researchers and
policy makers will get an insight about the ‘Users attitude towards agro based services
provide by the telecommunication operators in Bangladesh.
Key Words: Attitude, Agro, Services, Telecommunication, Bangladesh.
1. Introduction
The farmers’ community in Bangladesh is one of the most deprived ones in terms of
economy and access to social facilities. In a country like Bangladesh farms are extremely
small, cultivation is dependent on the uncertainties of variable rainfall and average output
is generally low. Value addition in agriculture requires technological, institutional and
price incentive changes designed to raise the productivity of the small farms (Todaro,
2000). The structure of the agrarian system in Bangladesh is considered as a major
impediment for balanced rural development (Rogaly and Bose, 1999). Small farmers are
entangled within a vicious cycle because of sharecropping, tenancy, money lending and
other structural and financial relationships with owners and traders (Crow, 1999). The
situation of the vulnerable farmers is exacerbated by the land erosion, drought, flood,
deforestation and other natural calamities. These together with lack of access to finance
reduce farmers’ propensity to take risks. The bargaining power of farmers in the input
market is not very strong with the result that farmers pay high prices for inputs thereby
reducing their net earnings. Lack of bargaining power also impacts adversely on the
prices farmers receive for their produce. Low net earnings in turn reduce the capacity and
incentive to make productivity improving investment. Information is not always
obtainable and may not always be reliable, so there is increased risk of poor market


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European Journal of Business and Management                                   www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

performance and failures. Imperfect Information and high transaction costs can constitute
major impediments in the agricultural marketing process (Dao, 2004). Proper
dissemination of information for agricultural and rural communities is a crucial tool in
the fight against poverty and deprivation. Information helps the poor to avail of the
opportunities and also reduce their vulnerability (Kizilaslan, 2006). Postulates that
dissemination of relevant information to the farming communities can facilitate the
effective adoption of agricultural inputs, decision making on markets and adoption of
scientific methods. However, lack of dissemination of information across the agricultural
supply chain is a major concern in the developing world (Kiplang’at, 1999).The
"Information Age" has arrived, and institutions and individuals everywhere are striving to
understand and cope with it. The technologies are now being used operationally to
disseminate information to more remote areas. Telecommunication operators are done
this job very efficiently. Agricultural sector can also be facilities through these
technologies and mobile telephone can be the most effective tool. In Bangladesh a large
majority of the population have access to mobile phones (Islam & Grönlund, 2008). In
Bangladesh only two telecommunication operators provide specialized services for the
farmers along with their regular services among the six telecommunication operators.
They are Grameen Phone Ltd. and Banglalink. Benefits provided by these operators are:
Buyers &sellers can search the details of the desired agro product, Price related
information, Buyer’s location & contact information, Information about cultivation
technique, Information of planting, irrigation, Information about new Varity, Disease
treatment, Fertilizer dose, Input related issue, Information about feed, antibiotics
medicine of poultry, dairy & fishery, Weather related information
(www.grameenphone.com and www.banglalink.com).
2. Review of literature
Modernization of rural telecommunication in Bangladesh: Problems & Prospects. This
paper highlights some major problem areas which discoverer considerable attention for
both short term & long term planning & suggests some possible options. The discussion
covers the rural telecommunication determining a forecasting technique for demand
growth; socio economic benefit; digital technique and network model; and transmission
and switching system maintenance (Islam, 2002). Another study was conducted on ‘Use
& Appropriation of mobile Telephony Technology by the Rural Bangladeshi Farmers’.
This research paper investigates the use & appropriation of mobile telephony as the
means for achieving agricultural development in Bangladesh. It examines how the
farmers make use of the mobile telephony technology, how the technology integrated
with their lifestyle and what impact results from the interaction (Dev, 2009). The research
was conducted on ‘Information Communication Technologies in Rural Development of
Bangladesh’. They represent an overview of the role of in rural development and offer a
vision for its development as a thrust area for intervention. They highlight the need for
ICT policy status ICT infrastructure as well as service delivery through ICT in
Bangladesh (Islam and sultana, 2007). Other study was conducted on Consumer
Perception & Attitude toward Mobile Communication. This paper investigate the demand
of the consumer from the telecommunication service providers, their reaction and
consumption behavior. A survey was conducted to understand consumer attitude toward
mobile communication & factor that could contribute to adoption& success of this sector
(Masud & Gupta, 2003). The predominant assumption in the literature is that for
environmental decision making diffusion of more useful information along with
production is very essential. By concentrating efforts on increasing the supply of
scientific information, scientist may not be producing information relevant and useful by
users. Users may have specific information needs that go unmeet or may not aware of the
existence of potentially useful information. This paper defines the practical problem of
reconciling the supply of scientific into. With users, explain the goods of reconciling the


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European Journal of Business and Management                                     www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

supply and demand for scientific information and define what constitutes useful
information (Macnine, 20007). Informatics: in Agricultural Resources for Development.
This paper offers the information landscape in agricultural sector, enabling technology,
Qualify and quantity of information their capacity to meet the need and associated
complexity. It tries to reveal the problems of disseminating information to farmers. It
assumes innovative strategies for combining internet, telecommunication video, and print
technologies at appropriate levels are bridging the gap and empowering farmers to make
better production and market decisions (Laren, 2009). Another study on: Policy
recommendations to improve the competitiveness of small scale farmers in Columbia
through into and communication studies. They provide some policy recommendations as
to how ICT could effectively stimulate the development of small scale agriculture. They
analyzed the food market supply chain and argued that systematic food supply chain is
needed to overcome same of the challenges of small scale agriculture. This paper
describes the multiple actors and stakeholders of small scale agricultural chain, alongside
with learning of successful (and filed) ICT strategies. Specific policy recommendations
are made that aim through the use as mobile technologies to improve the condition
among different supply chain (Natalla, 2010). Catalyst supports pro-poor growth in a
wide range of value chains through facilitation of market mechanism in Bangladesh. It
assumes that with the emergence of new information and communication technologies
such as the internet and mobile phones at the same time new opportunities also arrange to
reach small producers in areas remote from the economic centers. In this paper
experience of the farmers with the different scheme conducted by different
telecommunication systems are presented. At the same time problem faced by the users
and possible solutions are also placed in this paper (Dietschi, 2008). How can ICTs be
used and appropriated to address agricultural information needs of Bangladeshi farmers?
This paper attempts to analyze the use of the ICTs from the perspective of the farmers.
They found that different services provided by the existing telecommunication system
can enable farmers to obtain information on input and output prices, the weather and so
forth (Dev & Newman, 2003). Community Radio as an Effective tool for Agricultural
Development .In this paper community radio is highlighted as an effective
communication tool .Scenarios of several African countries are mentioned here farmers
of which countries are adopt this communication technology . The concept of community
radio, area of services, how farmers are benefited from this technology and demand of the
farmers regarding this service is the main focal point of this research paper (Sharma,
2011). Multipurpose Community Tele centers in Bangladesh: Problems & Prospects. The
purpose of this paper is to discuss multipurpose community information and knowledge
centers (MCTs) and then describes and assesses the telecommunication facilities (and
hence information access and provision) of such tale centers in Bangladesh including
radio, television, telephone and internet facilities. The paper then highlights problems and
prospects, in rural areas of Bangladesh, of information access through the tale centers
(Islam, 2009). An Agricultural Market Information Services (AMIS) in Bangladesh:
Evaluation & Mobile Phone Based e-Services. An agricultural market information
service (AMIS) can be one of the important tools for reducing such social inequality by
integrating the farmers with their markets more efficiently. Following the failure of a
web-based AMIS initiated by the Government of Bangladesh and considering the wide
availability of cellular networks, a mobile phone based AMIS was implemented on a pilot
basis in some remote villages for the farmers of Bangladesh. This paper evaluates the
efficiency and effectiveness of this mobile service in terms of users, technology, process
and facilitating conditions in a rural context. In general this is an interpretive case study
as well as an evaluation research which is based on two small scale surveys and
observations. Based on a literature review, a conceptual model is also applied for a
systematic evaluation. Findings show that effectiveness of a rural e-service depends on


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European Journal of Business and Management                                                www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

the design and delivery of the service in accordance with the individual’s information
needs, adaptive technologies with easy accessibility within a given infrastructure,
affordable services with a rational business model, adequate awareness and efficient
communication with the respective community (Islam, 2010). Agro Based Industries,
Mobile phone, & Youth. This paper tends to know the perception of Malaysian young
agro based entrepreneur regarding the contribution of mobile phone in their agribusiness.
Results indicated that majority of respondents used mobile phone frequently while
majority of the respondents had high perception on the contribution of mobile phone in
their agro-business productivity. Results also indicated that majority of Malaysian agro-
based entrepreneurs believed that mobile phone can help them in getting information on
agriculture every time they need it. Pearson Correlation employed proved that age has
negative and significant correlation with perception on mobile phone contribution
(Shafiul, 2006). Market Information Service: A Guide Line to Developing Agricultural
Markets & Agro enterprises. This paper attempts to find reason to fail to meet the need
the farmer’s need. The author distills experiences and lessons from other studies and
individual experts in the field on the reasons for such common failures and what can be
done to avoid them. Critical topics such as institutional structure, dissemination methods,
and funding are outlined to guide the reader through the basic issues that must be
addressed in order to create a successful Market Information Service (Giovannuul,
2001).
3.Problem Statement
The research paper aims to find out the real scenario of the benefits provided by different
telecommunication operators for the agricultural sector and the users’ interaction with the services. Here
the consideration mainly on the “Customers Attitude Towered Agro based benefits provided by the
Telecommunication Operators in Bangladesh.”
4. Objectives of the study
               •    To find out the demographic profile of the users.
               •    To find out the agro based benefits provided by the telecommunication
                    operators.
               •    To find out users satisfaction towards services
               •    To give solutions on the basis of findings
5. Methodology
Necessary data were collected from the operating farmers of the selected areas analyzed
in terms of the objectives set for the study. The study was based on the primary data. The
areas of the study were 7 villages under Homna thana of Comilla district which are
Monipur, kolagasia, Chanderchar, Kalipur, Gharmora, dorikandi , Purbahat. Few areas of
Mirpur thana of Dhaka district and few areas of Savar. The main reasons for selecting
these areas as the study area are: Availability of the service users, No study was
conducted previously in the study area, Easy accessibility and good communication
facilities, it was familiar with the area. The anticipated cooperation was high which
indicated the likelihood of obtaining a reasonably accurate set of data. The schedule was
designed in accordance with the objectives of the research. Data were collected from the
farmers by survey methods through personal interview with the farmers for which
necessary schedule were prepared. Sampling was done to select representative farmers or
service users to minimize time and cost because it is not possible to collect data from all
the users. 120 farmers were selected who were using different agro based services
provided by the telecommunication operators. Collected data were classified, tabulated
and analyzed in terms of the objectives set for the study. Both tabular and statistical
techniques were used to find important relationships among the relevant variables.
Appropriate procedures were followed for measuring the personal characteristics of the
respondent, like age, education, family size, farm size and experience in farming. A five-
point Likert scale was used to measure farmers’ attitude towards telecommunication


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European Journal of Business and Management                                    www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

operator’s agro based services. The scale contained thirteen statements in relation to
various benefits provided by the telecommunication operators in agricultural sector. The
statement was expressed either in positive view or in negative view. A statement was
considered positive if it indicated favorable attitude towards the benefits. If the case was
reverse, it was considered as a negative statement. The respondents expressed their
opinion on each statement as ‘strongly satisfied’ satisfied ’ ‘no answer’ dissatisfied’
‘strongly dissatisfied. Scores assigned to the above five responses were 5,4,3,2 & 1
respectively for positive statements and a reverse score was given for the negative
statements. The statistical technique used for the analysis was range, and percentage.
6. Analysis and findings
The findings in connection with the selected characteristics of the respondents are
presented in the following:
6.1 Age
The majority of the respondents were in younger age. 61% respondents were young, aged
were 21-35, 45% of the respondents were middle aged 36 to 50 years old. Only 1%
respondents were above 50% years old. The average age was 33.7 which reflect that users
were mostly younger.
6.2Education
The educational status of the selected respondents in terms of percentage of literacy
varying level was 32% had secondary level education, 26% had higher secondary level
education, 24% had primary level education and 18% who had no formal education. That
means educated people used these services more than the illiterate people.
6.3Family size
Most of the people used the services were from medium to small size family. 50% of the
respondents were from medium sized family and 32% were from small sized family.
Only 18% had large family.
6.4Farm size
The size of the most farm of the service user was small to very small. 44% of the users
had the farm size ranged 0.206 to 1 hector. The farm size of 36% of the respondents was
up to 0.205 hector. 17% of the respondent had a farm size ranged 1.01to 3 hector and
only 3% of the respondent had a farm above 3 hector. The average size of the farm was
.0543.
6.5Experience in farming
Farmers with little experience use the service more (50%) who had 1 to 5 years
experience in farming, 28% of the farmers had experience from 6years to 15 years and
only 22% had the experience the farming above 15 years.
6.6Perception of the Respondent’s about the service
Farmer’s interaction with the telecommunication operator’s provided benefits and what
perceptions grow about the service in their mind has been discussed according to the
information gathered from the survey.
Farmer’s information need
Farmer’s have information need in several fields. Like information about the market price
of their output, price of the input need to produce the output. Location of buyer and seller
of agricultural product is also an area in which farmers want information. They need
information to solve the problem of disease attack in their farm. They need information
about the up-to-date cultivation technique, new variety. They also want accurate weather
related information. Information about disease treatment and fertilizer dose is most
demanding field for the information by the users. 68% of the farmers want the
information for treatment of the disease as well as about the fertilizer dose. Query for the
other information was 32% for the cultivation technique, 28% for the price related



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European Journal of Business and Management                                    www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

information, 22% for the buyer’s and seller’s location, 14% for the input, and only 8% for
the weather related information.
Problem faced by the farmers
The technologies telecommunication operators use to provide information to the farmers
is quite new for them and they face many problems to use this technology. The problems
discovered from the survey were high cost of the service availability and accessibility of
the service non-flexibility. Users of one operator don’t able to enjoy the benefits provided
by other operators with the same SIM card. Language barrier is one of the major
problems faced by the farmers when using this service. Network is also a problem to get
information through mobile phone in rural area of Bangladesh.
Compare with traditional information source
Survey showed that 58% of the user thought traditional source of information provide
better service than telecommunication operators that means majority of the respondents
thought traditional source is more efficient. Other 42% thought telecommunication
operators provide better service than traditional source of information. But most of them
thought services provided by telecommunication operators are helpful to overcome the
obstacles to get information.
User’s satisfaction level
30% users were dissatiesfied and 12% were highly dissatiesfied with the service
compared to 27% satiesfied and 10% highly satiesfied respondent. 21% respondent had
neutral attitude.
Accessibility
The most of the respondents were dissatisfied about accessibility of the service. 41% of
the respondents were dissatisfied and 21% of the respondents were highly dissatisfied
where 12% of the respondents were satisfied and only 3% were highly satisfied in this
respect. 23 % of the respondents show neutral attitude.
Reliability
42% of the respondents were dissatisfied with the reliability of the information and 5%
were highly dissatisfied. Here 24% of the respondents were satisfied with the reliability
of the information and only 1% was highly satisfied. 28% of the respondents stayed
neutral about the reliability of the source of information. That means majority of the users
thought the provided information are not reliable.
Cost of the service
Cost of collecting information is one of the concerns for the farmers. 46% of the
respondents were satisfied and 34% of the respondents were highly satisfied about the
cost of the service, where 8% of the respondents were dissatisfied and only 6% were
highly dissatisfied in this respect. 6 % of the respondents show neutral attitude.

Time
Farmers thought it is a time saving way to collect information. 42% of the respondents
were highly satisfied and 38% of the respondents were satisfied. Only 7% were
dissatisfied and 3% were highly dissatisfied. 10 % of the respondents remained neutral
towered this respect.
Adequacy of the information
It shows a varying degree of satisfaction among the respondents. 39% of the respondents
were dissatisfied and 20% of the respondents were highly dissatisfied where 23% of the
respondents were satisfied and only 8% were highly satisfied in this respect. 10 % of the
respondents show neutral attitude.
Mechanism to use the service
Most of the respondents were satisfied about Mechanism to use the service. 50% of the
respondents were dissatisfied, 3% of the respondents were highly dissatisfied. 25% were


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European Journal of Business and Management                                    www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

satisfied and only 5% were highly satisfied in this respect. 17 % of the respondents
remained neutral.
Customer care service
Most of the respondents were satisfied about Customer care service. 45% of the
respondents were satisfied with the customer care service of the operator, 5% of the
respondents were highly satisfied. 28% were dissatisfied and only 3% were highly
dissatisfied in this respect. The neutral attitude was 18 % of the respondents.
Weather related information
In case of weather related information most of the farmer’s showed neutral attitude. 36%
of the farmers were neutral. 17% of the respondents were satisfied, 1% of the respondents
were highly satisfied. Where 33% were dissatisfied and 13% were highly dissatisfied in
this respect.
 Information about treatment of disease
47% of the respondents were dissatisfied, 3% of the respondents were highly dissatisfied.
20% were satisfied and only 5% were highly satisfied in this respect. 25 % of the
respondents show neutral attitude.
Information related to fertilizer dose
55% of the respondents were satisfied, 21% of the respondents were highly satisfied. 8%
were dissatisfied and only 5% were highly dissatisfied in this respect. 10 % of the
respondents show neutral attitude.
Information related to cultivation technique
In case of cultivation related information most of the farmer’s showed neutral attitude.
57% of the farmers were neutral. 17% of the respondents were satisfied, 1% of the
respondents were highly satisfied. 10% were dissatisfied and 15% were highly
dissatisfied in this respect.
Input related information
Majority of the respondents were highly dissatisfied with the input related information.
50% of the total respondents were highly dissatisfied, 20% were dissatisfied, 13% were
satisfied and 17% remained neutral toward the benefit.

Price related information
37% of the respondents were highly dissatisfied, 25% of the respondents were
dissatisfied, 16% of the respondents were satisfied, and 18% of the respondents were
highly satisfied. 20 % of the respondents show neutral attitude.
7. Conclusion
Agricultural sector can be treated as the backbone of Bangladesh economy. It is the
means of livelihood for most of the rural population but sustainable agricultural growth is
critical to uplifting the living standard of the people as well as generating rapid economic
growth. To achieve such sustained growth ensuring smooth and frequent access to info is
inevitable. Both Government and private sectors are working to ensure enough access of
information for the farmers. It is argued that telecommunication operators can play a vital
role in this case. Telecommunication operators provide a wide range of benefits to the
farmers. Farmers as well come to contact with these activities. The intention of this paper
was to find out the actual scenario of these benefits, farmer’s thinking about the service
and their attitude. The user’s are mostly young have small farm size and little experience
in farming. A significant proportion of the user thought that the services
telecommunications operators provide to the farmers are helpful to overcome the
obstacles to collect the information but still not efficient like their traditional way of
collecting information. Telecommunications operators provide solution to some
preliminary level of problems only. They are unable to provide solution of any complex
problem of farm. Users are mostly satisfied with the cost of the service, time saving


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European Journal of Business and Management                                              www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

characteristics, fertilizer dose and disease treatment related information of the service.
Accessibility, mechanism of the service and reliability of the information made most of
the user dissatisfied. They wanted government intervention to make these services more
affordable to them.
8. Recommendations

Telecommunication industry is one of the fastest growing sectors not only in Bangladesh
but also in the whole world playing the crucial role in communication. Like other
countries these sector can be proved as a key player in agricultural sector. Farmers have a
wide range of information thrust and telecommunication operators can be appeared as the
most significant supplier of such agro based information to the farmers. Though telecom
operators in Bangladesh have already started their journey in this way, there needs a lot
of changes and improvements to be an agro friendly actor. The benefits provided by the
telecom operators are not yet much popular or known to the farmers. So initiatives need
to be taken to become aware the farmers about the given benefits. Though weak network
is one of the concerning problem which make the services in accessible to the users so
infrastructural improvement should be done to make the service accessible even the rural
area of Bangladesh. Tele communication operator should make their services reachable to
the farmers as quickly as possible because delay in getting respond make the farmer
skeptical about the effectiveness and efficiency about the process. Most of the time
farmers get only the solution of some preliminary problems. They fail to acquire solution
of complicated problems. So the telecom operators may recruit more expertise to provide
the proper solution. When assessing “information and service needs” of the target market
it should be demand driven not supply driven, and always focus should be on local
knowledge dissemination; Not only the telecommunication operators but also the farmers
have something to do. Farmers need to have the belief that this service can satisfy their
information need that means it is going to be useful for them. Public-private partnership-
based program should be considered. Government may involve in this process and make
this service more affordable to the users and only two telecommunication operators
provide specialized services to the farmers. Govt. may take initiatives to involve other
operators in agricultural sectors. Users of one operator cannot enjoy the benefits provided
by the other operators .So a collaborative strategy may be taken by the operators to cover
more people. Providing education about the various beneficial uses of mobile phones

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                                                  79
European Journal of Business and Management                                 www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

http://ascu.go.ke/DOCS/ASDS.Final.pdf
http://enwikipedia.org/wiki/Ag_inBd

http://.fig.net/pub/cario/papers/ts-34/ts-34_05inan_reis.pdf
www.grameenphone.com
www.banglalink.com
Appendix 1:
Table-1: Descriptive statistics of the selected characteristics of the farmers

Characteristics Categories        Respondents    %         of
                                                 respondents
                 Young            73             61%
Age              (21-35)
                 Middle           45             37%
                 (36-50)
                 Old              2              1%
                 (51-65)
                 Illiterate (0)   22             18%
Education
                 Primary          28             24%
                 (1-5)
                 Secondary        38             32%
                 (6-10)
                 Higher           32             26%
                 (above 10)
                 Small            38             32%
                 (1- 3)
Family Size      Medium           60             50%
                 (4-6)
                 Big              22             18%
                 (above 6)
                 Very small       44             36%
                 (up         to
                 0.205)
                 Small            52             44%
                 (0.206-1.0)
Farm Size        Medium           20             17%
                 (1.01-3.0)
                 Big              4              3%
                  (above 3)
                 Little (1-5)     60             50%
Experience in
Farming           Medium          34             28%
                  (6-15)
                  Long            26             22%
                  (above 15)
Source: field study.
Table-2: Responses concerning farmer’s attitude towards agro based services
provided by telecommunication operators


                                            80
European Journal of Business and Management                              www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012



Statement                                          1   2     3      4        5

Identify the satisfaction level about the        24    50    28     14       4
accessibility of the service                     21%   41%   23%    12%      3%
Identify the satisfaction level about the cost   8     10    8      56       38
of the service                                   6%    8%    6%     46%      34%
What do You think about the reliability of       6     50    34     28       2
the services                                     5%    42%   28%    24%      1%
It is provide adequate information you need      24    46    12     28       10
                                                 20%   39%   10%    23%      8%
It is a times saving way of acquiring            4     8     12     46       50
information                                      3%    7%    10%    38%      42%
The mechanism to use this services are           4     60    20     30       6
more complex                                     3%    50%   17%    25%      5%
What do you think about customers care           4     34    22     54       6
services    of the   telecommunication
operators?                             3%              28%   18%    45%      5%
How much happy about the weather related 16            39    43     20       2
information
                                         13%           33%   36%    17%      1%
How much happy about the information 18                12    68     20       2
related to cultivation technique
                                     15%               10%   57%    17%      1%
How much happy about the information 4                 56    30     24       6
related to disease treatment
                                     3%                47%   25%    20%      5%
How much happy about the information 6                 10    12     66       26
related to fertilizer dose
                                     5%                8%    10%    55%      21%
How much happy about the input related 24              60    20     16       0
information
                                       20%             50%   17%    13%      0%
How much happy about the price related 44              30    24     10       12
information                            37%             25%   20%    8%       10%

Source: field study.

The score for each statement could range from 1 to 5. For the positive statement &
where
                                                     1= highly dissatisfied/disagree
                                                     2= dissatisfied/disagree
                                                     3= neutral
                                                     4= Satisfied/agree


                                              81
European Journal of Business and Management                                                            www.iiste.org
ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online)
Vol 4, No.1, 2012

                                                                                 5= highly satisfied /agree
In case of negative statement scoring is done as

                                                                                 5= highly dissatisfied
                                                                                 4= dissatisfied
                                                                                 3= neutral
                                                                                 2= Satisfied
                                                                                 1= highly satisfied

Customer satisfaction level
                             Highly dissatisfied      Dissatisfied     Neutral       Satisfied     Highly satisfied
                                     Series1, Dissatisfied,
                                               30

                                                                                      Series1, Satisfied, 27



                                                              Series1, Neutral, 21
   Respondent




                Series1, Highly
                dissatisfied, 12                                                                                 Series1, Highly
                                                                                                                  satisfied, 10




                                                            Level of satisfaction




                                                             82
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11.customers attitude towards agro based benefits provided by the telecommunication operators in bangladesh

  • 1. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 Customers’ attitude towards agro based benefits provided by the telecommunication operators in Bangladesh S.M. Sohel Ahmed, Shah Johir Rayhan, Md. Ariful Islam, Noor- E- Zannath Dhaka-1207, Bangladesh. E-mail: smsohelahmed@gmail.com Abstract The main objective of this research is to find out attitude of users only towards agro based benefits provided by telecommunication operators in Bangladesh. Agriculture is the most important sector of the economy of Bangladesh which provides 63% employment and contributing 18.6% to the national GDP. But unfortunately the farmer’s community is one of the most deprived ones in the country and frequent access to information remains one of the crying needs for a long time period. It can enable them to enhance their quality of life. It has been argued that telecommunication operators can come to aid in this respect. Telecommunications operators have already expanded their services and provided specialized agro-based services to the farmers. It also explored the characteristics of the user’s and their perception. Data were collected from 120 respondents who were the users of telecommunication operators in Bangladesh. The data were collected through a structured interview schedule. Evidence from interviews suggests that most of the users were young, had little farming experience with small farm size and from small to medium families. These services were treated helpful to overcome their obstacles to information collection but still not efficient like the means they use to collect information traditionally. They want information in various fields of agriculture especially in the area of price, weather information, cultivation technique, disease treatment, fertilizer dose etc. Small farmers found it as a very effective any of information service especially in case of emergency situation and due to its cost effectiveness. But the mechanism need to use this services found sometimes difficult especially for the illiterate farmers. From this research, students other researchers and policy makers will get an insight about the ‘Users attitude towards agro based services provide by the telecommunication operators in Bangladesh. Key Words: Attitude, Agro, Services, Telecommunication, Bangladesh. 1. Introduction The farmers’ community in Bangladesh is one of the most deprived ones in terms of economy and access to social facilities. In a country like Bangladesh farms are extremely small, cultivation is dependent on the uncertainties of variable rainfall and average output is generally low. Value addition in agriculture requires technological, institutional and price incentive changes designed to raise the productivity of the small farms (Todaro, 2000). The structure of the agrarian system in Bangladesh is considered as a major impediment for balanced rural development (Rogaly and Bose, 1999). Small farmers are entangled within a vicious cycle because of sharecropping, tenancy, money lending and other structural and financial relationships with owners and traders (Crow, 1999). The situation of the vulnerable farmers is exacerbated by the land erosion, drought, flood, deforestation and other natural calamities. These together with lack of access to finance reduce farmers’ propensity to take risks. The bargaining power of farmers in the input market is not very strong with the result that farmers pay high prices for inputs thereby reducing their net earnings. Lack of bargaining power also impacts adversely on the prices farmers receive for their produce. Low net earnings in turn reduce the capacity and incentive to make productivity improving investment. Information is not always obtainable and may not always be reliable, so there is increased risk of poor market 70
  • 2. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 performance and failures. Imperfect Information and high transaction costs can constitute major impediments in the agricultural marketing process (Dao, 2004). Proper dissemination of information for agricultural and rural communities is a crucial tool in the fight against poverty and deprivation. Information helps the poor to avail of the opportunities and also reduce their vulnerability (Kizilaslan, 2006). Postulates that dissemination of relevant information to the farming communities can facilitate the effective adoption of agricultural inputs, decision making on markets and adoption of scientific methods. However, lack of dissemination of information across the agricultural supply chain is a major concern in the developing world (Kiplang’at, 1999).The "Information Age" has arrived, and institutions and individuals everywhere are striving to understand and cope with it. The technologies are now being used operationally to disseminate information to more remote areas. Telecommunication operators are done this job very efficiently. Agricultural sector can also be facilities through these technologies and mobile telephone can be the most effective tool. In Bangladesh a large majority of the population have access to mobile phones (Islam & Grönlund, 2008). In Bangladesh only two telecommunication operators provide specialized services for the farmers along with their regular services among the six telecommunication operators. They are Grameen Phone Ltd. and Banglalink. Benefits provided by these operators are: Buyers &sellers can search the details of the desired agro product, Price related information, Buyer’s location & contact information, Information about cultivation technique, Information of planting, irrigation, Information about new Varity, Disease treatment, Fertilizer dose, Input related issue, Information about feed, antibiotics medicine of poultry, dairy & fishery, Weather related information (www.grameenphone.com and www.banglalink.com). 2. Review of literature Modernization of rural telecommunication in Bangladesh: Problems & Prospects. This paper highlights some major problem areas which discoverer considerable attention for both short term & long term planning & suggests some possible options. The discussion covers the rural telecommunication determining a forecasting technique for demand growth; socio economic benefit; digital technique and network model; and transmission and switching system maintenance (Islam, 2002). Another study was conducted on ‘Use & Appropriation of mobile Telephony Technology by the Rural Bangladeshi Farmers’. This research paper investigates the use & appropriation of mobile telephony as the means for achieving agricultural development in Bangladesh. It examines how the farmers make use of the mobile telephony technology, how the technology integrated with their lifestyle and what impact results from the interaction (Dev, 2009). The research was conducted on ‘Information Communication Technologies in Rural Development of Bangladesh’. They represent an overview of the role of in rural development and offer a vision for its development as a thrust area for intervention. They highlight the need for ICT policy status ICT infrastructure as well as service delivery through ICT in Bangladesh (Islam and sultana, 2007). Other study was conducted on Consumer Perception & Attitude toward Mobile Communication. This paper investigate the demand of the consumer from the telecommunication service providers, their reaction and consumption behavior. A survey was conducted to understand consumer attitude toward mobile communication & factor that could contribute to adoption& success of this sector (Masud & Gupta, 2003). The predominant assumption in the literature is that for environmental decision making diffusion of more useful information along with production is very essential. By concentrating efforts on increasing the supply of scientific information, scientist may not be producing information relevant and useful by users. Users may have specific information needs that go unmeet or may not aware of the existence of potentially useful information. This paper defines the practical problem of reconciling the supply of scientific into. With users, explain the goods of reconciling the 71
  • 3. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 supply and demand for scientific information and define what constitutes useful information (Macnine, 20007). Informatics: in Agricultural Resources for Development. This paper offers the information landscape in agricultural sector, enabling technology, Qualify and quantity of information their capacity to meet the need and associated complexity. It tries to reveal the problems of disseminating information to farmers. It assumes innovative strategies for combining internet, telecommunication video, and print technologies at appropriate levels are bridging the gap and empowering farmers to make better production and market decisions (Laren, 2009). Another study on: Policy recommendations to improve the competitiveness of small scale farmers in Columbia through into and communication studies. They provide some policy recommendations as to how ICT could effectively stimulate the development of small scale agriculture. They analyzed the food market supply chain and argued that systematic food supply chain is needed to overcome same of the challenges of small scale agriculture. This paper describes the multiple actors and stakeholders of small scale agricultural chain, alongside with learning of successful (and filed) ICT strategies. Specific policy recommendations are made that aim through the use as mobile technologies to improve the condition among different supply chain (Natalla, 2010). Catalyst supports pro-poor growth in a wide range of value chains through facilitation of market mechanism in Bangladesh. It assumes that with the emergence of new information and communication technologies such as the internet and mobile phones at the same time new opportunities also arrange to reach small producers in areas remote from the economic centers. In this paper experience of the farmers with the different scheme conducted by different telecommunication systems are presented. At the same time problem faced by the users and possible solutions are also placed in this paper (Dietschi, 2008). How can ICTs be used and appropriated to address agricultural information needs of Bangladeshi farmers? This paper attempts to analyze the use of the ICTs from the perspective of the farmers. They found that different services provided by the existing telecommunication system can enable farmers to obtain information on input and output prices, the weather and so forth (Dev & Newman, 2003). Community Radio as an Effective tool for Agricultural Development .In this paper community radio is highlighted as an effective communication tool .Scenarios of several African countries are mentioned here farmers of which countries are adopt this communication technology . The concept of community radio, area of services, how farmers are benefited from this technology and demand of the farmers regarding this service is the main focal point of this research paper (Sharma, 2011). Multipurpose Community Tele centers in Bangladesh: Problems & Prospects. The purpose of this paper is to discuss multipurpose community information and knowledge centers (MCTs) and then describes and assesses the telecommunication facilities (and hence information access and provision) of such tale centers in Bangladesh including radio, television, telephone and internet facilities. The paper then highlights problems and prospects, in rural areas of Bangladesh, of information access through the tale centers (Islam, 2009). An Agricultural Market Information Services (AMIS) in Bangladesh: Evaluation & Mobile Phone Based e-Services. An agricultural market information service (AMIS) can be one of the important tools for reducing such social inequality by integrating the farmers with their markets more efficiently. Following the failure of a web-based AMIS initiated by the Government of Bangladesh and considering the wide availability of cellular networks, a mobile phone based AMIS was implemented on a pilot basis in some remote villages for the farmers of Bangladesh. This paper evaluates the efficiency and effectiveness of this mobile service in terms of users, technology, process and facilitating conditions in a rural context. In general this is an interpretive case study as well as an evaluation research which is based on two small scale surveys and observations. Based on a literature review, a conceptual model is also applied for a systematic evaluation. Findings show that effectiveness of a rural e-service depends on 72
  • 4. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 the design and delivery of the service in accordance with the individual’s information needs, adaptive technologies with easy accessibility within a given infrastructure, affordable services with a rational business model, adequate awareness and efficient communication with the respective community (Islam, 2010). Agro Based Industries, Mobile phone, & Youth. This paper tends to know the perception of Malaysian young agro based entrepreneur regarding the contribution of mobile phone in their agribusiness. Results indicated that majority of respondents used mobile phone frequently while majority of the respondents had high perception on the contribution of mobile phone in their agro-business productivity. Results also indicated that majority of Malaysian agro- based entrepreneurs believed that mobile phone can help them in getting information on agriculture every time they need it. Pearson Correlation employed proved that age has negative and significant correlation with perception on mobile phone contribution (Shafiul, 2006). Market Information Service: A Guide Line to Developing Agricultural Markets & Agro enterprises. This paper attempts to find reason to fail to meet the need the farmer’s need. The author distills experiences and lessons from other studies and individual experts in the field on the reasons for such common failures and what can be done to avoid them. Critical topics such as institutional structure, dissemination methods, and funding are outlined to guide the reader through the basic issues that must be addressed in order to create a successful Market Information Service (Giovannuul, 2001). 3.Problem Statement The research paper aims to find out the real scenario of the benefits provided by different telecommunication operators for the agricultural sector and the users’ interaction with the services. Here the consideration mainly on the “Customers Attitude Towered Agro based benefits provided by the Telecommunication Operators in Bangladesh.” 4. Objectives of the study • To find out the demographic profile of the users. • To find out the agro based benefits provided by the telecommunication operators. • To find out users satisfaction towards services • To give solutions on the basis of findings 5. Methodology Necessary data were collected from the operating farmers of the selected areas analyzed in terms of the objectives set for the study. The study was based on the primary data. The areas of the study were 7 villages under Homna thana of Comilla district which are Monipur, kolagasia, Chanderchar, Kalipur, Gharmora, dorikandi , Purbahat. Few areas of Mirpur thana of Dhaka district and few areas of Savar. The main reasons for selecting these areas as the study area are: Availability of the service users, No study was conducted previously in the study area, Easy accessibility and good communication facilities, it was familiar with the area. The anticipated cooperation was high which indicated the likelihood of obtaining a reasonably accurate set of data. The schedule was designed in accordance with the objectives of the research. Data were collected from the farmers by survey methods through personal interview with the farmers for which necessary schedule were prepared. Sampling was done to select representative farmers or service users to minimize time and cost because it is not possible to collect data from all the users. 120 farmers were selected who were using different agro based services provided by the telecommunication operators. Collected data were classified, tabulated and analyzed in terms of the objectives set for the study. Both tabular and statistical techniques were used to find important relationships among the relevant variables. Appropriate procedures were followed for measuring the personal characteristics of the respondent, like age, education, family size, farm size and experience in farming. A five- point Likert scale was used to measure farmers’ attitude towards telecommunication 73
  • 5. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 operator’s agro based services. The scale contained thirteen statements in relation to various benefits provided by the telecommunication operators in agricultural sector. The statement was expressed either in positive view or in negative view. A statement was considered positive if it indicated favorable attitude towards the benefits. If the case was reverse, it was considered as a negative statement. The respondents expressed their opinion on each statement as ‘strongly satisfied’ satisfied ’ ‘no answer’ dissatisfied’ ‘strongly dissatisfied. Scores assigned to the above five responses were 5,4,3,2 & 1 respectively for positive statements and a reverse score was given for the negative statements. The statistical technique used for the analysis was range, and percentage. 6. Analysis and findings The findings in connection with the selected characteristics of the respondents are presented in the following: 6.1 Age The majority of the respondents were in younger age. 61% respondents were young, aged were 21-35, 45% of the respondents were middle aged 36 to 50 years old. Only 1% respondents were above 50% years old. The average age was 33.7 which reflect that users were mostly younger. 6.2Education The educational status of the selected respondents in terms of percentage of literacy varying level was 32% had secondary level education, 26% had higher secondary level education, 24% had primary level education and 18% who had no formal education. That means educated people used these services more than the illiterate people. 6.3Family size Most of the people used the services were from medium to small size family. 50% of the respondents were from medium sized family and 32% were from small sized family. Only 18% had large family. 6.4Farm size The size of the most farm of the service user was small to very small. 44% of the users had the farm size ranged 0.206 to 1 hector. The farm size of 36% of the respondents was up to 0.205 hector. 17% of the respondent had a farm size ranged 1.01to 3 hector and only 3% of the respondent had a farm above 3 hector. The average size of the farm was .0543. 6.5Experience in farming Farmers with little experience use the service more (50%) who had 1 to 5 years experience in farming, 28% of the farmers had experience from 6years to 15 years and only 22% had the experience the farming above 15 years. 6.6Perception of the Respondent’s about the service Farmer’s interaction with the telecommunication operator’s provided benefits and what perceptions grow about the service in their mind has been discussed according to the information gathered from the survey. Farmer’s information need Farmer’s have information need in several fields. Like information about the market price of their output, price of the input need to produce the output. Location of buyer and seller of agricultural product is also an area in which farmers want information. They need information to solve the problem of disease attack in their farm. They need information about the up-to-date cultivation technique, new variety. They also want accurate weather related information. Information about disease treatment and fertilizer dose is most demanding field for the information by the users. 68% of the farmers want the information for treatment of the disease as well as about the fertilizer dose. Query for the other information was 32% for the cultivation technique, 28% for the price related 74
  • 6. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 information, 22% for the buyer’s and seller’s location, 14% for the input, and only 8% for the weather related information. Problem faced by the farmers The technologies telecommunication operators use to provide information to the farmers is quite new for them and they face many problems to use this technology. The problems discovered from the survey were high cost of the service availability and accessibility of the service non-flexibility. Users of one operator don’t able to enjoy the benefits provided by other operators with the same SIM card. Language barrier is one of the major problems faced by the farmers when using this service. Network is also a problem to get information through mobile phone in rural area of Bangladesh. Compare with traditional information source Survey showed that 58% of the user thought traditional source of information provide better service than telecommunication operators that means majority of the respondents thought traditional source is more efficient. Other 42% thought telecommunication operators provide better service than traditional source of information. But most of them thought services provided by telecommunication operators are helpful to overcome the obstacles to get information. User’s satisfaction level 30% users were dissatiesfied and 12% were highly dissatiesfied with the service compared to 27% satiesfied and 10% highly satiesfied respondent. 21% respondent had neutral attitude. Accessibility The most of the respondents were dissatisfied about accessibility of the service. 41% of the respondents were dissatisfied and 21% of the respondents were highly dissatisfied where 12% of the respondents were satisfied and only 3% were highly satisfied in this respect. 23 % of the respondents show neutral attitude. Reliability 42% of the respondents were dissatisfied with the reliability of the information and 5% were highly dissatisfied. Here 24% of the respondents were satisfied with the reliability of the information and only 1% was highly satisfied. 28% of the respondents stayed neutral about the reliability of the source of information. That means majority of the users thought the provided information are not reliable. Cost of the service Cost of collecting information is one of the concerns for the farmers. 46% of the respondents were satisfied and 34% of the respondents were highly satisfied about the cost of the service, where 8% of the respondents were dissatisfied and only 6% were highly dissatisfied in this respect. 6 % of the respondents show neutral attitude. Time Farmers thought it is a time saving way to collect information. 42% of the respondents were highly satisfied and 38% of the respondents were satisfied. Only 7% were dissatisfied and 3% were highly dissatisfied. 10 % of the respondents remained neutral towered this respect. Adequacy of the information It shows a varying degree of satisfaction among the respondents. 39% of the respondents were dissatisfied and 20% of the respondents were highly dissatisfied where 23% of the respondents were satisfied and only 8% were highly satisfied in this respect. 10 % of the respondents show neutral attitude. Mechanism to use the service Most of the respondents were satisfied about Mechanism to use the service. 50% of the respondents were dissatisfied, 3% of the respondents were highly dissatisfied. 25% were 75
  • 7. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 satisfied and only 5% were highly satisfied in this respect. 17 % of the respondents remained neutral. Customer care service Most of the respondents were satisfied about Customer care service. 45% of the respondents were satisfied with the customer care service of the operator, 5% of the respondents were highly satisfied. 28% were dissatisfied and only 3% were highly dissatisfied in this respect. The neutral attitude was 18 % of the respondents. Weather related information In case of weather related information most of the farmer’s showed neutral attitude. 36% of the farmers were neutral. 17% of the respondents were satisfied, 1% of the respondents were highly satisfied. Where 33% were dissatisfied and 13% were highly dissatisfied in this respect. Information about treatment of disease 47% of the respondents were dissatisfied, 3% of the respondents were highly dissatisfied. 20% were satisfied and only 5% were highly satisfied in this respect. 25 % of the respondents show neutral attitude. Information related to fertilizer dose 55% of the respondents were satisfied, 21% of the respondents were highly satisfied. 8% were dissatisfied and only 5% were highly dissatisfied in this respect. 10 % of the respondents show neutral attitude. Information related to cultivation technique In case of cultivation related information most of the farmer’s showed neutral attitude. 57% of the farmers were neutral. 17% of the respondents were satisfied, 1% of the respondents were highly satisfied. 10% were dissatisfied and 15% were highly dissatisfied in this respect. Input related information Majority of the respondents were highly dissatisfied with the input related information. 50% of the total respondents were highly dissatisfied, 20% were dissatisfied, 13% were satisfied and 17% remained neutral toward the benefit. Price related information 37% of the respondents were highly dissatisfied, 25% of the respondents were dissatisfied, 16% of the respondents were satisfied, and 18% of the respondents were highly satisfied. 20 % of the respondents show neutral attitude. 7. Conclusion Agricultural sector can be treated as the backbone of Bangladesh economy. It is the means of livelihood for most of the rural population but sustainable agricultural growth is critical to uplifting the living standard of the people as well as generating rapid economic growth. To achieve such sustained growth ensuring smooth and frequent access to info is inevitable. Both Government and private sectors are working to ensure enough access of information for the farmers. It is argued that telecommunication operators can play a vital role in this case. Telecommunication operators provide a wide range of benefits to the farmers. Farmers as well come to contact with these activities. The intention of this paper was to find out the actual scenario of these benefits, farmer’s thinking about the service and their attitude. The user’s are mostly young have small farm size and little experience in farming. A significant proportion of the user thought that the services telecommunications operators provide to the farmers are helpful to overcome the obstacles to collect the information but still not efficient like their traditional way of collecting information. Telecommunications operators provide solution to some preliminary level of problems only. They are unable to provide solution of any complex problem of farm. Users are mostly satisfied with the cost of the service, time saving 76
  • 8. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 characteristics, fertilizer dose and disease treatment related information of the service. Accessibility, mechanism of the service and reliability of the information made most of the user dissatisfied. They wanted government intervention to make these services more affordable to them. 8. Recommendations Telecommunication industry is one of the fastest growing sectors not only in Bangladesh but also in the whole world playing the crucial role in communication. Like other countries these sector can be proved as a key player in agricultural sector. Farmers have a wide range of information thrust and telecommunication operators can be appeared as the most significant supplier of such agro based information to the farmers. Though telecom operators in Bangladesh have already started their journey in this way, there needs a lot of changes and improvements to be an agro friendly actor. The benefits provided by the telecom operators are not yet much popular or known to the farmers. So initiatives need to be taken to become aware the farmers about the given benefits. Though weak network is one of the concerning problem which make the services in accessible to the users so infrastructural improvement should be done to make the service accessible even the rural area of Bangladesh. Tele communication operator should make their services reachable to the farmers as quickly as possible because delay in getting respond make the farmer skeptical about the effectiveness and efficiency about the process. Most of the time farmers get only the solution of some preliminary problems. They fail to acquire solution of complicated problems. So the telecom operators may recruit more expertise to provide the proper solution. When assessing “information and service needs” of the target market it should be demand driven not supply driven, and always focus should be on local knowledge dissemination; Not only the telecommunication operators but also the farmers have something to do. Farmers need to have the belief that this service can satisfy their information need that means it is going to be useful for them. Public-private partnership- based program should be considered. Government may involve in this process and make this service more affordable to the users and only two telecommunication operators provide specialized services to the farmers. Govt. may take initiatives to involve other operators in agricultural sectors. Users of one operator cannot enjoy the benefits provided by the other operators .So a collaborative strategy may be taken by the operators to cover more people. Providing education about the various beneficial uses of mobile phones 9. References Ahmed, S. M. Sohel, and Asaduzzaman, Md. (2011), ‘‘Consumer Choice Behavior towards Mobile Phone Operators in Bangladesh’’ -Journal of Arts, Science & Commerce, Vol. – II, pp. 30-39. Al-Akhras T Mousa,Al-Saiyeed Rizik,Alian Marwah and Qwasmi Doaa:Innovative Secure Mobile Banking Services,2011, p.195. Al-Ashban, A.A. & Burney, M.A. (2001), “Customer adoption of tale-banking technology: the case of Saudi Arabia”, International Journal of Bank Marketing, 19 (5), pp. 191-200. Ali, Sadia Samar & Bharadwaj, R.K. (2010), “Factor analysis approach of decision making in Indian E- banking: ‘A value adding consumer's perspective’, http://inderscience.metapress.com/app/home/contribution.asp?referrer=parent&backto=issue,2,6;journal,3,1 8;linkingpublicationresults,1:120361 [accessed 7 Jun 2010] Andrew, Wambari, (2009), ‘Mobile Banking in Developing Countries: a case study on Kenya, pp. 132-139. 77
  • 9. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 Bayes, A. (2001), “Infrastructural and rural development: insights from a Grameen Bank village phone initiative in Bangladesh”, Agricultural Economics, Vol. 25, pp. 261-272. Banzal S. (2010), “Mobile Banking & M–Commerce and Related Issues”, www.public.webfoundation.org/.../25.Mobile_banking_M-commerce_15.03.pdf [accessed 10 Jul 2010] Barnes, S.J., Corbitt, B. (2003), “Mobile banking: concept and potential”, International Journal of Mobile Communications, 1 (3), pp. 273-288. Black, N. J., Lockett, A., Ennew, C., Winklhofer, H. & McKechnie, S. (2002), “Modelling consumer choice of distribution channels: an illustration from financial services”, International Journal of Bank M Cheong, J.H., & Park, M.C. (2005), “Mobile internet acceptance in Korea”, Internet Research, 15(2), pp. 125-140. Cheney, J. S. (2008), “An Examination of Mobile Banking and Mobile Payments: Building Adoption as Experience Goods”, www.philadelphiafed.org/pcc/papers/2008 [accessed 10 May 2010] Comninos, A., Esselaar, S., Ndiwalana, A. & Stork, C. (2008), “Towards evidence-based ICT policy and regulation mobile banking the unbanked”, http://externo.casafrica.es/aeo/pdf/english/overview_part_2_09_aeo_09.pdf [accessed 30 March 2010] arketing, 20 (4), pp. 161-173. Dahlberg Tomi,Mallat Niina ,Ondrus Jan and Zmijewska Agnieszka: Past, present and future of mobile payments research: A literature review, Volume 7, Issue 2, Summer 2008, pp. 165-181. Dey, B, Newman, D. (2011) “Analysis of Appropriation &Usability in Social & occupational Lives: An Investigation of Bangladeshi Farmer’s Use of Mobile Telephony”, Information Technology & People, Vol. 24, pp. 46-63. Hayat Muhammad Aslam (2009), “Mobile payments: Will Colombo keep its leadership in South Asia?” http://sundaytimes.lk/090712/FinancialTimes/ft323.html [accessed 30 April 2010] Howcroft, B., Hamilton, R. & Hewer, P. (2002), “Consumer attitude and the usage and adoption of home-based banking in the United Kingdom”, International Journal of Bank Marketing, 20 (3), pp.111-121. Islam, S. (2009),”Multiple Community Tele center in Bangladesh: Problems & Prospects”, Electronics Library, Vol. 27, pp. 537-553. Karjaluoto, H., Mattila, M. & Pento, T. (2002), “Factors underlying attitude formation towards online banking in Finland”, International Journal of Bank Marketing, 20 (6), pp. 261-272. Klein Michael, Mayer Colin: Mobile banking and financial inclusion: the regulatory lessons, 01 May 2011 Lio, M. and Liu, M. (2006), “ICT and agricultural productivity: evidence from cross- country data”, Agricultural Economics, Vol. 34, pp. 221-228. Mas, I. (2008), “Realizing the Potential of Branchless Banking: Challenges Ahead”, In: Focus Note 50. Consultancy Group to Assist the Poor (CGAP), Washington, D.C 78
  • 10. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 Mattila, M. (2003), “Factors affecting the adoption of mobile banking services”, Journal of Internet Banking and Commerce, 8 (1), pp. 101-119. Mattila, M., Karjaluoto, H. & Pento, T. (2003), “Internet banking majority of laggards?”, Journal of Services Marketing, 17(5), pp.514-528. Morna S.Y. Lee, Peter J. Mc Goldrick, Kathleen A. Keeling, Joanne Doherty, (2003) "Using ZMET to explore barriers to the adoption of 3G mobile banking services", International Journal of Retail & Distribution Management, Vol. 31 Iss: 6, pp. 340 – 348. Morawczynski, O. & Miscione, G. (2008), “Exploring Trust in Mobile Banking Transactions: The Case of M-Pesa In Kenya”, Social Dimensions of Information and Communication Technology Policy, pp. 287-298. Metz, T, “Informatics in Agricultural Research for Development”, Advances in Agronomy, Vol. 102, pp 135-157. Owens, John & Anna, B. (2006), “Catching the Technology Wave: Mobile Phone Banking and Text-A-Payment in the Philippines”, http://www.chemonics.com/projects/content/GCash.pdf [accessed 13 Jun 2010] Polatoglu, V.N. & Ekin, S. (2001), “An empirical investigation of the Turkish consumers’ acceptance of Internet banking services”, International Journal of Bank Marketing,9 (4), pp. 156-165. Pousttchi, Key & Schurig, Martin (2007), “Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements”, http://mpra.ub.uni- muenchen.de/2913/ [accessed 10 Oct 2010] Rao, G. R. & Prathima, K. (2003), “Online banking in India”, Mondaq Business Briefing, 11 April 2003 Sharma, Prerna & Singh, Preeti (2009), “Users’ perception about mobile banking- with special reference to Indore & around”, Review of Business & Technology Research, Vol. 2, 1, pp. 1-5. Suoranta, M. (2003), “Adoption of mobile banking in Finland”, Jyväskylä Studies in Business and Economics, p. 28. Sultana Rasheda, (2009),” Mobile banking: Overview of Regulatory framework in emerging markets, pp. 124-131. Tiwari, Rajnish & Stephan, Buse (2007), “The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector”, http://www.global- innovation.net/publications/PDF/HamburgUP_Tiwari_Commerce.pdf [accessed 15 Aug 2010] Unnithan, C.R. & Swatman, P. (2001), “Online banking Adaptation and Dot.Com Viability: A Comparison of Australian and Indian Experiences in the Banking Sector”, School of Management Information Systems, Deakin University, No. 14. Wiredu, G. (2007) “User’s Appropriation of Mobile Technology: Motivation, Condition and Design properties”, Information and Organization, Vol.17, pp110-129. 79
  • 11. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 http://ascu.go.ke/DOCS/ASDS.Final.pdf http://enwikipedia.org/wiki/Ag_inBd http://.fig.net/pub/cario/papers/ts-34/ts-34_05inan_reis.pdf www.grameenphone.com www.banglalink.com Appendix 1: Table-1: Descriptive statistics of the selected characteristics of the farmers Characteristics Categories Respondents % of respondents Young 73 61% Age (21-35) Middle 45 37% (36-50) Old 2 1% (51-65) Illiterate (0) 22 18% Education Primary 28 24% (1-5) Secondary 38 32% (6-10) Higher 32 26% (above 10) Small 38 32% (1- 3) Family Size Medium 60 50% (4-6) Big 22 18% (above 6) Very small 44 36% (up to 0.205) Small 52 44% (0.206-1.0) Farm Size Medium 20 17% (1.01-3.0) Big 4 3% (above 3) Little (1-5) 60 50% Experience in Farming Medium 34 28% (6-15) Long 26 22% (above 15) Source: field study. Table-2: Responses concerning farmer’s attitude towards agro based services provided by telecommunication operators 80
  • 12. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 Statement 1 2 3 4 5 Identify the satisfaction level about the 24 50 28 14 4 accessibility of the service 21% 41% 23% 12% 3% Identify the satisfaction level about the cost 8 10 8 56 38 of the service 6% 8% 6% 46% 34% What do You think about the reliability of 6 50 34 28 2 the services 5% 42% 28% 24% 1% It is provide adequate information you need 24 46 12 28 10 20% 39% 10% 23% 8% It is a times saving way of acquiring 4 8 12 46 50 information 3% 7% 10% 38% 42% The mechanism to use this services are 4 60 20 30 6 more complex 3% 50% 17% 25% 5% What do you think about customers care 4 34 22 54 6 services of the telecommunication operators? 3% 28% 18% 45% 5% How much happy about the weather related 16 39 43 20 2 information 13% 33% 36% 17% 1% How much happy about the information 18 12 68 20 2 related to cultivation technique 15% 10% 57% 17% 1% How much happy about the information 4 56 30 24 6 related to disease treatment 3% 47% 25% 20% 5% How much happy about the information 6 10 12 66 26 related to fertilizer dose 5% 8% 10% 55% 21% How much happy about the input related 24 60 20 16 0 information 20% 50% 17% 13% 0% How much happy about the price related 44 30 24 10 12 information 37% 25% 20% 8% 10% Source: field study. The score for each statement could range from 1 to 5. For the positive statement & where 1= highly dissatisfied/disagree 2= dissatisfied/disagree 3= neutral 4= Satisfied/agree 81
  • 13. European Journal of Business and Management www.iiste.org ISSN 2222-1905 (Paper) ISSN 2222-2839 (Online) Vol 4, No.1, 2012 5= highly satisfied /agree In case of negative statement scoring is done as 5= highly dissatisfied 4= dissatisfied 3= neutral 2= Satisfied 1= highly satisfied Customer satisfaction level Highly dissatisfied Dissatisfied Neutral Satisfied Highly satisfied Series1, Dissatisfied, 30 Series1, Satisfied, 27 Series1, Neutral, 21 Respondent Series1, Highly dissatisfied, 12 Series1, Highly satisfied, 10 Level of satisfaction 82
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