TAX KNOWLEDGE, TAX ATTITUDE, AND PERCEPTION OF TAX FAIRNESS AS PREDICTORS OF TAX COMPLIANCE AMONG INCOME EARNERS IN LAGOS STATE


TAX KNOWLEDGE, TAX ATTITUDE, AND PERCEPTION OF TAX FAIRNESS AS PREDICTORS OF TAX COMPLIANCE AMONG INCOME EARNERS IN LAGOS STATE     

ABSTRACT:     

This study examined tax knowledge, tax attitude, and perception of tax fairness as predictors of tax compliance among income earners in Lagos state. A total of three hundred working class adults were selected purposively from Lagos state to participate in the study.

Result from the study indicated positive relationship between tax attitude and tax compliance (r = 0.71, p<.05). This implies that participants who had positive attitude towards tax also had high scores on tax compliance, tax perception and tax compliance (r = 0.63, p<.05). This implies that participants who had positive perception towards tax also had high scores on tax compliance, and significant positive relationship between tax knowledge and tax compliance (r = 0.47, p<.05). This implies that participants who scored high in tax knowledge reported high scores on tax compliance. Also, tax attitude significantly predicts tax compliance, β = 0.71, t (286) = 12.62, pFindings from this study suggests that feelings of unfairness and liability from tax need to be addressed before effective tax compliance can be realized.

TABLE OF CONTENTS

Title page..................................................................................................    i

Table of contents....................................................................................        ii

List of tables.............................................................................................    iv

List of figures..............................................................................................    v

Abstract........................................................................................................     ix

CHAPTER ONE: INTRODUCTION

1.1:    Background to the study........................................................................    2

1.2:    Statement of the problem.......................................................................    5

1.3:    Objectives of the study...........................................................................    6

1.4:    Significance of the study........................................................................    6

1.5:     Definition of terms..............................................................................    7

1.6:    Scope of study.......................................................................................    8

1.7:    Literature review....................................................................................    8

    Tax attitude and tax compliance............................................................    8

    Perception of tax fairness and tax compliance.....................................    9

    Tax knowledge and tax compliance....................................................    12

1.7.1:    Theoretical framework.........................................................................    15

    The Slippery Slope Framework...........................................................    15

1.7.2:    Other relevant theories..........................................................................    18

    Prospect theory.....................................................................................    18

    Theory of planned behaviour................................................................    19

1.7.3:    Empirical review....................................................................................    20

1.8:    Research questions.................................................................................    24

1.9    Research hypotheses..............................................................................    25

CHAPTER TWO:    METHODS

2.1:    Setting.................................................................................................    26

2.2:    Participants...........................................................................................    26

2.3:    Design................................................................................................    26

2.4:    Instruments........................................................................................    26

    Tax Compliance Questionnaire..........................................................    26

    Tax Attitude Questionnaire........................................................…….    27

    Perception of Tax Fairness Questionnaire.................................    ……    27

    Tax Knowledge Questionnaire....................................................    ……    27

2.5:    Procedure.................................................................................    …..    28

2.6:    Data analysis.............................................................................    …..    28

CHAPTER THREE:    RESULTS

CHAPTER FOUR:    DISCUSSION

CHAPTER FIVE:    CONCLUSION

    Summary of findings.................................................................    …..    37

5.1:    Implication of the findings........................................................    ……    37

5.2:    Suggestions for future studies....................................................    …..    38

5.3:    Recommendations.......................................................................    …..    38

REFERENCES

APPENDIX

LIST OF TABLES

Table 1:    Table of Mean and standard deviation of variables

Table 3.1a:  Pearson r correlation between tax attitude and tax compliance

Table 3.1b: Regression analysis for predictive relationship between tax attitude and tax   compliance

Table 3.2a:  Pearson r correlation between tax perception and tax compliance

Table 3.2b: Regression analysis for predictive relationship between perception of fairness and tax compliance

Table 3.3a:  Pearson r correlation between tax knowledge and tax compliance

Table 3.3b: Regression analysis for predictive relationship between tax knowledge and tax compliance

LIST OF FIGURE

Figure 1: Influence of Tax Attitude, Perception of Fairness, and Tax Knowledge on Tax Compliance. Based on Fallan (1999), Schisler (1995), Gillingham and Richardson (2005)

CHAPTER ONE

INTRODUCTION

There is a popular saying attributed to Benjamin Franklin that goes thus: “the only things inevitable are death and taxes”. The inevitability of taxes is tainted by the fact that people can choose to either comply or evade tax. To this end, the concept of tax compliance has been constructed and studied with a view to understand tax payers behaviour towards tax payment. The psychology behind taxation is a relatively new field of inquiry under the domain of economic psychology and by extension industrial/organisational psychology. This research is an inquiry into determinants of tax compliance in Lagos state with tax attitude, perception of tax fairness, and tax knowledge serving as explanatory variables.

Kirchler (2007) defined tax compliance as the willingness of tax payers to pay their taxes. According to Alm (1991), tax compliance is the accurate reporting of income and claiming of expenses in accordance with the stipulated tax laws.Franzoni (1999) defined it as a true reporting of the tax base, correct computation of the liability, timely filing of the return; and timely payment of amounts due. Tax compliance refers to the willingness of people to comply with tax authorities by paying their taxes (Peter & Dijke, 2007). According to Brown and Mazur (2003), tax compliance is multi-faceted measure and it can be defined by considering three distinct types of compliance such as payment compliance, filing compliance, and reporting compliance.

Failure to report or pay tax is referred to as tax noncompliance.Tax compliance is a complex set of behaviour which has been researched from two major perspectives: economic and psychological.Psychological research into tax compliance considers the impact of several factors. The underlying reason is that any behaviour has more than one explanation, tax compliance appears to be an important construct with more than one dimension.

The relevance of tax attitude to the study of tax compliance is underlined by Kirchler et al. (2008) who proposed that taxpayer who has favourable attitude towards tax evasion is expected to be less compliant and equally taxpayer with unfavourable attitude is likely to be more compliant. Perception of tax fairness plays a fundamental role in tax compliance because people who feel a tax law is unfair are more likely to evade tax than those who feel the tax law is fair. Perception of tax fairness is often viewed from a social comparison standpoint. Individuals compare their situations with other groups and select information from those that are similar to theirs. Gcabo & Robinson (2007) distinguished between internalization, identification and compliance, and specified how these determine tax evasion behaviours namely: the individual exchange relationship with the government, social orientation, and opportunities for tax evasion. These factors have both direct and indirect effects on tax attitudes.

Knowledge of tax enables taxpayers to know how their taxes are computed and how to report taxes. It has been observed that some people do not know how to file tax reports that’s why they do not comply with taxes. The complexity of tax systems in many countries have been criticised, most laws are usually too complex to be understood and studies show that knowledge about taxes is generally limited among the general populace. This influences compliance because the individual may not know exactly how much to pay, how to go about payment, when payment is due etc.

1.1 Background of Study

The extent to which the tax payers perceive a tax system to be fair influences their attitude to pay their taxes (Coskun, 2009). Alabede et al. (2011) postulated that, a tax payer whose motive is to demonstrate his beliefs in a system will evaluate the fairness of the systems with objectivity whereas the taxpayer whose attitude is motivated by what benefit to derive from the system may label the tax system fair only if he is benefiting from it. Also Richardson (2006) indicated that perceived fairness of tax system is significantly related to tax non-compliance. Roth et al. (1989) and Jackson and Milliron (1986) found that tax payers concerns about fairness have links with attitudes and behavioural intentions about tax compliance. Therefore, to understand a particular individual tax payer’s behaviour, it is important to identify the determining variable of behavioural intentions (Hanno and Violette, 1996).

Apart from individual tax payers’ perception about the fairness of the tax system, its complexity or otherwise influences the compliance of tax payers. Terkper (2007) advanced the reason that tax payers demonstrate various degrees of compliance owing to factors such as lack of understanding of the tax laws; improper book keeping and apathy towards government. Jackson and Milliron (1986) contended that the complexity of tax system has been considered as a possible reason for tax non-compliance. To Young , Danny  and Daniel, (2013) the rules should be simple and clear allowing taxpayers ability to compute their tax returns without getting confused.

Apart from the factors identified as independent variables in this study (tax attitude, perceptions of tax fairness and tax knowledge) research point out other factors thatare implicated in tax compliance. These factors include the willingness topay for public provision, pubic education, tax morale, tax information etc. As there are some limitations toinclude all non‐economic factors for the analysis of behaviour of tax compliance, most studies pay attentionon just one or several factors for rigorous analysis.

Tax compliance is a conscious decision made by taxpayers. This decision, as most, is made by taxpayers based on their level of knowledge and conception about taxation. Knowledge of taxes forms the basis for evaluations and perceptions of fairness about taxes, willingness and ability to comply with the law. Kirchler (2007) emphasized that tax knowledge is organised by taxpayers to form meaningful expression about taxation. These taxpayers may not even have accurate knowledge about taxation, however, they make judgement and appraise the tax system based on what they think they know about tax.

Knowledge about tax influences people’s attitude and perception about the fairness of tax, and consequently, their compliance level (Chau & Leung, 2009).

1.2    Statement of the Problem

The issue of tax compliance stems from the fact that in different countries half or more of the taxes that could be collected remain uncollected and/or unaccounted for due to a combination of tax evasion, avoidance, tax exemptions and corruption (Fuest and Riedel, 2009). In developing countries, like Nigeria, and developed countries this poses serious problems because income taxes are important source of revenue to government (Teera and Hudson 2004). Tax evasion, which refers to deliberate non-payment of tax by citizens, has continued to increase despite attempts by governments to curb it. This has led to an erosion of the tax base in some countries.

This erosion of the tax base has detrimental fiscal effects and there are at least four reasons forconcern. First, revenue losses from non-compliance are critical in the context of substantial budgetdeficit (Tanzi, 1991). Second, tax evasion may have harmful effects on economic efficiency in general(Chand and Moene, 1999; Tanzi, 2000a), and income distribution in particular because the effective taxrates faced by individuals and firms may differ due to different opportunities for evasion (Hindriks etal. 1999). Third, underground economic activities are often the other face of tax evasion and theexpansion of these may affect implementation and outcomes of economic policies (Tanzi 2000b;Cowell 1990). Finally, evasion and citizens’ disrespect for the tax laws may go together withdisrespect for other laws and contribute to undermine the legitimacy of government (Graetz et al.1986). Consequently, tax evasion can have unintended negative effects on a society, undermining thepurpose and outcomes of the formal tax system.

1.3     Objectives of the Study

This research has the general goal of investigating tax attitude, perception of tax fairness and tax knowledge as predictors of tax compliance. Specific objects are listed below as:

1.        To determine the relationship between tax attitude and tax compliance among Lagos tax payers.

2.        To determine the relationship between perception of tax fairness and tax compliance among Lagos tax payers.

3.        To investigate the relationship between tax knowledge and tax compliance among Lagos tax payers.

1.4    Significance of the Study

Tax evasion is a pressing problem that is growing by the day. In Lagos, the government is actively involved in developmental projects which would only mean more expenditure. A huge tax gap poses liability to the government and would stifle projects before they are executed. Studies in psychology show that the best way to reduce noncompliance is by understanding its causes. Thus, it is important for government to know causes of tax noncompliance with the aim of marketing itself effectively to citizens.

This study will add to the sparse literature on the subject of tax compliance in Nigeria. Researchers who are interested in the psychology of tax could draw insight from this work as well as make improvements to it. The Lagos state government which stands a lot to gain from tax compliance could get benefits in terms of higher compliance by focusing on methods based on psychology as it seeks to compel compliance from more citizens.

Furthermore, the recommendations drawn from this work could assist government in its effort at compelling tax compliance from citizens. Research points to the fact that earlier methods adopted by governments concentrated on judicial and economic factors when it came to seeking tax compliance. Nevertheless, psychological interventions are behavioural and could be more successful. This research which is psychologically oriented offers more efficient means at obtaining tax compliance.

1.5    Definition of Terms

Tax:a compulsory unrequited payment to the government (Organisation for Economic Cooperation, 2008)

Tax Compliance:    refers to willingness of tax payers to pay their taxes as and when due.

Tax Evasion:        is the deliberate breaking of the law in order to reduce the amount of taxes due. However, it could result from calculation errors or inadequate knowledge of tax laws

Tax Attitude:    refers to thoughts, behaviours, and emotions of a taxpayer that emanate from the subject of tax.

Tax gap:        this is the difference between the expected and the actual revenue generated by tax authorities. Such a gap exists due to individuals and businesses understating their incomes or overstating their deductions. Tax authorities also contribute to tax gap via assessment errors (Gcabo & Robinson, 2007)

Perception Of Tax Fairness: is defined as the subjective interpretation individuals give to the existing tax laws with regards too whether they are equitable and are not a burden to the populace.

Tax Knowledge:    refers to understanding of taxation with regard to how it is administered, and how its laws are applied.

1.6    Scope of the study

This study explored the role of tax attitude, perception of fairness and tax knowledge as predictors of tax compliance. It covers the concept of tax compliance from theoretical and empirical perspectives. The geographical scope of this study is Lagos, a state that is at the forefront of development in Nigeria, which has also made concerted efforts into the issue of taxation.

1.7    Literature Review

Tax Attitude and Tax Compliance

Attitudes represent the positive and negative evaluations that an individual holds of objects. It is assumed that attitudes encourage individuals to act according to them. Thus, a taxpayer with positive attitudes toward tax evasion is expected to be less compliant than a taxpayer with negative attitudes. Attitudes towards tax evasion are often found to be quite positive (Kirchler et al., 2008), implying that most taxpayers tend to avoid paying taxes. Many studies on tax evasion found significant, but weak relationships between attitudes and self‐reported tax evasion (Trivedi, Shehata, and Mestelman, 2004).

A model of tax evasion behaviour developed by Weigel, Hessing and Elffers (1987) considers social and psychological conditions, including attitudes and moral beliefs about tax evasion’s propriety, as antecedents of tax compliance. Data collected from fined tax evaders and honest tax payers showed that attitudes explain in part self‐reported tax evasion, but are insignificant predictors of actual behaviour. However, the correlations between self‐reported tax non‐compliance and attitudes are significant but fairly weak. These findings suggest a rather complicated relationship between tax evasion and attitudes, nevertheless we can be confident in our general prediction that if tax attitudes become worse, tax evasion will increase (Lewis, 1982).

Tax attitudes are mostly viewed from two perspectives, the power and the trust dimension.On the one hand, favourable attitudes will contribute to trust in authorities and consequently will enhance voluntary tax compliance. On the other hand, attitudes towards the authorities will be relevant for the interpretation of the use of power as benevolent or malicious. Tax attitudes in general also depend on the perceived use of the money collected and therefore are connected to knowledge (Kirchler et al., 2008). Alm (1998) observed that some people won’t pay taxes if they dislike the way their taxes are spent, if they feel that government is unresponsive to their wishes, if they don’t participate in decision making or if they feel they are treated unfairly by the government.

Compliance attitude is also affected by the perceived quality of political institutions. If tax payers perceive that their interests (preferences) are properly represented in political institutions and they receive a desirable mix of public goods, their willingness to pay taxes increases. On the other hand, a state in which corruption is rampant is one in which citizens have little trust in authority and thus low incentive to cooperate. A more encompassing and legitimate state will lead to higher tax compliance because it tends to increase taxpayers’ positive attitude and commitment to tax system(Smith, 1992; Smith and Stalan,1991).

Perceptions of Tax Fairness and Tax Compliance

According to Thomas (2012), a fair tax can be described as one where the greater burden of the tax is borne by individuals who are more financially well-off and capable of paying the tax.Tax fairness is a perception or belief that the tax burden is equitably distributed amongst the tax paying population where by people of similar economic circumstances are treated equally (Mubiru, 2009).

Initial work on tax fairness dimensions was done by Gerbing (1998) who undertook a survey to identify the existence of five fairness dimensions: general fairness/distribution, exchange with government, attitude towards taxes of the wealthy, progressive versus flat tax rate, and self-interest. The majority of research on taxpayers’ perceptions of tax fairness has been undertaken mainly in developed countries. Perception of tax fairness is based on the principle of equity which states that tax payers of the same levels should be taxed similarly that is to say tax payers with equal abilities should pay the same amount of tax. Wealthier citizens should pay more in tax than less privileged citizens.

In their research, Gilligan and Richardson (2005) noted that tax system that is perceived as unfair by the citizens may likely to be less successful and this will encourage the taxpayers to engage in noncompliant behaviour. Kirchler (2007) and Wenzel (2004) suggested that fairness can be conceptualized as distributive justice, procedural justice and retributive justice. Distributive justice is concerned with fairness in exchange of resources in both the benefit and cost, while procedural justice refers to fairness in the process of resources distribution and retributive justice is concerned with about the fairness in appropriateness of sanctions when rules are broken.

Kinsey and Grasmick (1993) study supports the theory that horizontal equity plays a role by boosting tax compliance. According to them, if an individual perceives his/her tax burden to be about the same magnitude as that of significant others, tax compliance increases. The results by Spicer and Becker (1980) and De Juan, Lasheras and Mayo (1994) point in the same direction. Kinsey and Grasmick (1993) and Roberts and Hite (1994) stressed that vertical unfairness of tax schedule (the progresssivity of income tax) increases tax evasion. In Stigliz (1993) opinion, for the tax system to be perceived fair, people who are better off should pay more taxes than poorer people and those with the same economic status should pay similar taxes.

Gilligan and Richardson (2005) analysed fairness dimension factors on tax compliance for two distinct countries, one developed and the other emerging. The statistics showed that there were significant variations of opinions between the participants from Australia and Hong Kong as it relates to general fairness, tax rate structure on the ability to pay and self-interest. Australians indicated slightly lower mean scores for tax compliance behaviour. The findings from the study su;ggested that there are no universally accepted relationship between the different aspects of tax fairness perceptions and tax compliance behaviour.

Azmi and Perumal (2008) attempted to reinvestigate the importance of tax fairness dimensions, as indicated in Gerbing (1998), for Malaysia. They found that Malaysians perceived the tax system to be moderately fair. Utilising the principal component factor analysis, responses of respondents suggested that only three dimensions: general fairness, distribution of tax burden, and exchange with government were statistically significant among Malaysians when identifying tax fairness.

Research on fairness indicates that most people do not like paying taxes. The studies on the Asian territory suggested that taxpayers were generally more satisfied with the current tax system than Australians and Americans. Such variations may be due to the differences in the history of communities as it relates to culture and ethical behaviour.

Numerous studies have been published on the relationship between tax fairnessperceptions and tax compliance. Survey data from 1960-1980 by Etzioni (1986)documented that the fairness perception was more likely to affect tax compliancerather than tax rates. Turman (1995) and Roth et al. (1989) confirmed that fairnessperceptions influence tax compliance behaviour. Similarly, Gilligan and Richardson(2005), Roberts (1994), Hite and Roberts (1992), Porcano and Price (1992), Harris(1989), and Song and Yarbrough (1978) found tax compliance to be significantlyassociated with perceptions of an improved tax system.

Tax Knowledge and Tax Complianc

Knowledge about tax laws also plays a major role in determining taxpayers’ compliance behaviour (Eriksen and Fallan, 1996).Tax knowledge is an essential element in a voluntary compliance tax system(Kasipillai, 2000), particularly in determining an accurate tax liability (Palil, 2005).Without tax knowledge, there is a tendency for taxpayers not to comply with the taxlaw either intentionally or unintentionally. This was postulated by McKerchar (1995)who studied small business taxpayers. She suggested that small business taxpayerswere not even aware of their tax knowledge shortfall and this might lead tounintentional non-compliance behaviour.

The influence of tax knowledge on tax behaviour was documented by Schisler(1995), who carried out a study comparing tax preparers and taxpayers. Schisler foundthat taxpayers had significantly lower fairness perceptions compared to tax preparers.The result might be due to the absence of tax knowledge among taxpayers comparedto tax preparers. Fallan (1999) later confirmed Schisler’s (1995) findings that taxknowledge significantly changed attitudes towards the fairness of the tax system. Inthat experimental study, the author measured tax knowledge through an additive indexof 12 questions concerning tax allowances and tax liabilities.

Unlike Fallan (1999), who simply focused on technical knowledge of tax, an earlierstudy by Harris (1989) separated tax knowledge into fiscal awareness and technicalknowledge, in order to observe the impact of each type of knowledge on fairnessperceptions. The findings revealed that types of tax knowledge impacted fairnessperceptions and consequently compliance behaviour. This study was supported byWhite et al. (1990), who suggested that a formal class in taxation would enhance theknowledge about the law and appreciation of fiscal policy goals, thus increasingperceived fairness.

One factor identified under tax knowledge is simplicity of the tax system. Silvani and Baer (1997) outlined the importance of the fact that a tax authority should have a simple tax return system from a taxpayer’s point of view. A tax authority might assume its tax return is simple and easy to complete but it may not be so from the taxpayers’ point of view. Therefore, before the final and actual version is delivered to taxpayers, it would be normal to put the forms through a series of ‘pilot’ tests to validate that the tax return is simple and easy to complete. Evidence suggests that uncomplicated tax returns play a major role in improving tax compliance (Silvani and Baer, 1997)

Although tax knowledge and the simplicity of tax returns have a different impact on compliance (Kirchler, 2008), it is noted that a taxpayer with low tax knowledge may be able to file the tax returns accurately provided the tax returns are simple, clearly explained and consistent.Some research has found positive association between complexity and non-compliance, whether intentional or unintentional (McKerchar, 2002; Ritsema, Thomas and Ferrier, 2003; Blanthorne and Kaplan, 2008) while others have found that the impact of complexity on compliance varied with the characteristics of individual taxpayers; such as income level, education level, perceptions of fairness and equity and the opportunity to evade. In contrast, Clotfelter (1983) evidenced that when the level of complexity increased (for non-business taxpayers in the case of this study) it significantly increased non-compliance among taxpayers. The reason behind this finding was because business taxpayers were more likely to seek advice from tax practitioners as complexity rose; hence the issue of complexity appeared to be significant to them.

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TAX KNOWLEDGE, TAX ATTITUDE, AND PERCEPTION OF TAX FAIRNESS AS PREDICTORS OF TAX COMPLIANCE AMONG INCOME EARNERS IN LAGOS STATE



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