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Abstract
This paper investigates the ways in which loan officers who favor the financing of earth-sheltered housing differ in perceptions and in support of institutional policy changes from those who do not favor the financing of earth-sheltered homes. During the fall of 1982, a ten-page questionnaire was mailed to a loan officer in each Savings and Loan office within Nebraska. Analyses of the data, using the Student t-test, indicate significant (p<.05) differences between the perceptions of loan officers favoring the financing of earth-sheltered homes and those not favoring the financing of such homes, for each of ten measures of financial risk, six measures of complexity, and six measures of relative advantage. In each case, loan officers favoring financing perceive less risk and complexity and greater relative advantage. Loan officers favorable toward financing are significantly more supportive of nine of 12 policies related to quality control, changes in institutional practices and educational/informational thrusts. These findings have both short-run and long-run implications. In the short run, consumers desiring financing for earth-sheltered homes need to realize that loan officers differ in attitudes toward financing. In the long run, further research is needed to discover how attitudes develop among loan officers.
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Notes on contributors
Amy Hanzal-Kashi
Amy Hanzal-Kashi is Instructor and E. Raedene Combs is Associate Professor, Department of Consumer Science and Education, University of Nebraska-Lincoln.
E. Raedene Combs
Amy Hanzal-Kashi is Instructor and E. Raedene Combs is Associate Professor, Department of Consumer Science and Education, University of Nebraska-Lincoln.