Determinants of customer's intention to use Islamic personal financing

This study investigates the determinants of customer‟s intention to use Islamic personal financing by measuring the following factors: attitude; social influence; religious obligation and pricing, on the intention to use Islamic personal financing. This research also examines the relationships betwe...

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Main Author:	Nurul Harisah, Ahmad
Format:	Thesis
Language:	eng eng
Published:	2014
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/4047/1/s814449.pdf https://etd.uum.edu.my/4047/2/s814449_abstract.pdf
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id	my-uum-etd.4047
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Ab Rashid, Rosemaliza
topic	HG Finance
spellingShingle	HG Finance Nurul Harisah, Ahmad Determinants of customer's intention to use Islamic personal financing
description	This study investigates the determinants of customer‟s intention to use Islamic personal financing by measuring the following factors: attitude; social influence; religious obligation and pricing, on the intention to use Islamic personal financing. This research also examines the relationships between the customer‟s intention and its determinants. The sample comprised of 250 customers of full-fledged Islamic bank in Kedah which is Bank Islam Malaysia Berhad (BIMB) Alor Setar. Data were obtained through a face-to-face survey using structured questionnaire . Out of a total of 250 responses, only 200 responses were usable for further analysis. The study used correlation and regression to analyze the collected data. The study found three determinants to be significant in influencing the intention to use Islamic personal financing, namely, attitude, social influence and religious obligation. Apart from that, pricing of Islamic personal financing was found to be insignificant predictors. The findings of this study provide invaluable insights into factors affecting the bank customers‟ intention to use Islamic personal financing, especially in the case of Malaysian Islamic banks. This empirical study on the determinants of Islamic financing using the survey method contributes towards a better understanding of the customers‟ expectations for Islamic financial products. Managers of Islamic banks can now comprehend better the factors that influence bank customers‟ decision in patronizing Islamic personal financing. On the other hand, the findings of this study should be of value to Islamic banks in terms of expanding their customer base.
format	Thesis
qualification_name	masters
qualification_level	Master's degree
author	Nurul Harisah, Ahmad
author_facet	Nurul Harisah, Ahmad
author_sort	Nurul Harisah, Ahmad
title	Determinants of customer's intention to use Islamic personal financing
title_short	Determinants of customer's intention to use Islamic personal financing
title_full	Determinants of customer's intention to use Islamic personal financing
title_fullStr	Determinants of customer's intention to use Islamic personal financing
title_full_unstemmed	Determinants of customer's intention to use Islamic personal financing
title_sort	determinants of customer's intention to use islamic personal financing
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2014
url	https://etd.uum.edu.my/4047/1/s814449.pdf https://etd.uum.edu.my/4047/2/s814449_abstract.pdf
_version_	1747827670641541120
spelling	my-uum-etd.40472016-04-17T07:04:26Z Determinants of customer's intention to use Islamic personal financing 2014-06 Nurul Harisah, Ahmad Ab Rashid, Rosemaliza Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance This study investigates the determinants of customer‟s intention to use Islamic personal financing by measuring the following factors: attitude; social influence; religious obligation and pricing, on the intention to use Islamic personal financing. This research also examines the relationships between the customer‟s intention and its determinants. The sample comprised of 250 customers of full-fledged Islamic bank in Kedah which is Bank Islam Malaysia Berhad (BIMB) Alor Setar. Data were obtained through a face-to-face survey using structured questionnaire . Out of a total of 250 responses, only 200 responses were usable for further analysis. The study used correlation and regression to analyze the collected data. The study found three determinants to be significant in influencing the intention to use Islamic personal financing, namely, attitude, social influence and religious obligation. Apart from that, pricing of Islamic personal financing was found to be insignificant predictors. The findings of this study provide invaluable insights into factors affecting the bank customers‟ intention to use Islamic personal financing, especially in the case of Malaysian Islamic banks. This empirical study on the determinants of Islamic financing using the survey method contributes towards a better understanding of the customers‟ expectations for Islamic financial products. Managers of Islamic banks can now comprehend better the factors that influence bank customers‟ decision in patronizing Islamic personal financing. On the other hand, the findings of this study should be of value to Islamic banks in terms of expanding their customer base. 2014-06 Thesis https://etd.uum.edu.my/4047/ https://etd.uum.edu.my/4047/1/s814449.pdf text eng validuser https://etd.uum.edu.my/4047/2/s814449_abstract.pdf text eng public masters masters Universiti Utara Malaysia Abdullah, N.I. and Dusuki, A.W. (2006) Customers‟ perceptions of Islamic hire-purchase facility in Malaysia: an empirical analysis, IIUM Journal of Economics and Management, 14 (2), 177-204. Abdul Rahman, A.R. (2007), Islamic microfinance: a missing component in Islamic banking, Kyoto Bulletin of Islamic Area Studies, 1 (2), 38- 53. Ahmad, N. and Haron, S. (2002) Perceptions of Malaysian corporate customers towards Islamic banking products and services, International Journal of Islamic Financial Services, 3 (4), 13-29. Ahmad, K. (2000), Islamic finance and banking: the challenge and prospects, Review of Islamic Economics, 9, 57-82. Ajzen, I. 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Determinants of customer's intention to use Islamic personal financing

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