Computer self-efficacy

Findings from this research emerged some positive aspects of computer usage among the research participants. There was a high level of computer usage among the trainee teachers as they used it for the information seeking activities. Students’ well experience in using computer is likely a significant factor in their level of using Internet for resourcing activities. One plausible explanation is that Internet access certainly involves using a machine called the computer. Findings from this study illustrated how participants’ responses on computer usage and Internet usage were intertwined. Participants frequently mentioned their positive perceptions on Internet usage whilst agreeing that their level of computer usage was also high. “I always use the computer to access Internet in searching for information”, mentioned by a participant. This finding is in alignment with Almekhlafi (2004) and Awoleye et al. (2008) who reported that the trainee teachers were consistent in using both computer and the Internet.

Though, the point is still arguable since the rapid development of technology has shown that nowadays, Internet is also widely accessible by trainee teachers through mobile devices (Seppala & Alamaki, 2003; Wishart et al., 2007). However, as handheld devices, mobile phones are more likely to be viewed as personal devices rather than to be used for accessing information (Wishart, 2009).

Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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