Malaysian muslim consumer credit card usage behavior

The objective of this study aims to identify Malaysian Muslim consumer credit card usage behaviour. This study also identifies financial knowledge, attitude toward credit card, bank policies and lifestyle toward Malaysian Muslim consumer credit card usage behaviour. There were 86 people being chosen...

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Main Author:	Farid, Muhammad
Format:	Thesis
Language:	eng eng
Published:	2015
Subjects:	HF5415.33 Consumer Behavior. HG Finance
Online Access:	https://etd.uum.edu.my/5000/1/s816751.pdf https://etd.uum.edu.my/5000/2/s816751_abstract.pdf
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id	my-uum-etd.5000
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Alias, Nursiha
topic	HF5415.33 Consumer Behavior. HG Finance
spellingShingle	HF5415.33 Consumer Behavior. HG Finance Farid, Muhammad Malaysian muslim consumer credit card usage behavior
description	The objective of this study aims to identify Malaysian Muslim consumer credit card usage behaviour. This study also identifies financial knowledge, attitude toward credit card, bank policies and lifestyle toward Malaysian Muslim consumer credit card usage behaviour. There were 86 people being chosen to be the respondent of this study by the simple random sampling method. The results which were being tested by multiple regression showed that there were significant relationship between financial knowledge and bank policies which Malaysian Muslim consumer credit card usage behaviour, financial knowledge (β=0.171, p<0.05), bank policies (β=0.677, p<0.05) while there were no significant relationship between attitude toward credit card and lifestyle with Malaysian Muslim consumer credit card usage behaviour (β=0.086, p>0.05) (β= 0.066, p>0.05). In addition, the findings which were being tested using Pearson correlation showed that there was a significant relationship between financial knowledge and bank policies with Malaysian Muslim consumer credit card usage behaviour (r 0.047, p<0.05) (r 0.000, p<0.05) and also there was no significant relationship between attitude toward credit card and lifestyle with Malaysian Muslim consumer credit card usage behaviour(r 0.387, p>0.05) (r 0.424, p>0.05). Therefore, this study concludes that financial knowledge and bank policies influencing the Malaysian consumer credit card usage behaviour. Meanwhile, attitude toward credit card and lifestyle not influencing Malaysian Muslim consumer credit card usage behaviour. To get better and accurate results, future research should increase sample size to a bigger geographic areas and larger sample and it is recommended to determine other factors which might affect Malaysian Muslim consumer credit card usage behaviour. Future research should focus on developing a consistent measure of attitude toward credit or Muslim lifestyle and also examine the relationship between Islamic financial knowledge and a variety of personal attitudes other than credit card usage behaviour
format	Thesis
qualification_name	masters
qualification_level	Master's degree
author	Farid, Muhammad
author_facet	Farid, Muhammad
author_sort	Farid, Muhammad
title	Malaysian muslim consumer credit card usage behavior
title_short	Malaysian muslim consumer credit card usage behavior
title_full	Malaysian muslim consumer credit card usage behavior
title_fullStr	Malaysian muslim consumer credit card usage behavior
title_full_unstemmed	Malaysian muslim consumer credit card usage behavior
title_sort	malaysian muslim consumer credit card usage behavior
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2015
url	https://etd.uum.edu.my/5000/1/s816751.pdf https://etd.uum.edu.my/5000/2/s816751_abstract.pdf
_version_	1747827843172139008
spelling	my-uum-etd.50002021-03-18T06:55:17Z Malaysian muslim consumer credit card usage behavior 2015 Farid, Muhammad Alias, Nursiha Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HF5415.33 Consumer Behavior. HG Finance The objective of this study aims to identify Malaysian Muslim consumer credit card usage behaviour. This study also identifies financial knowledge, attitude toward credit card, bank policies and lifestyle toward Malaysian Muslim consumer credit card usage behaviour. There were 86 people being chosen to be the respondent of this study by the simple random sampling method. The results which were being tested by multiple regression showed that there were significant relationship between financial knowledge and bank policies which Malaysian Muslim consumer credit card usage behaviour, financial knowledge (β=0.171, p<0.05), bank policies (β=0.677, p<0.05) while there were no significant relationship between attitude toward credit card and lifestyle with Malaysian Muslim consumer credit card usage behaviour (β=0.086, p>0.05) (β= 0.066, p>0.05). In addition, the findings which were being tested using Pearson correlation showed that there was a significant relationship between financial knowledge and bank policies with Malaysian Muslim consumer credit card usage behaviour (r 0.047, p<0.05) (r 0.000, p<0.05) and also there was no significant relationship between attitude toward credit card and lifestyle with Malaysian Muslim consumer credit card usage behaviour(r 0.387, p>0.05) (r 0.424, p>0.05). Therefore, this study concludes that financial knowledge and bank policies influencing the Malaysian consumer credit card usage behaviour. Meanwhile, attitude toward credit card and lifestyle not influencing Malaysian Muslim consumer credit card usage behaviour. To get better and accurate results, future research should increase sample size to a bigger geographic areas and larger sample and it is recommended to determine other factors which might affect Malaysian Muslim consumer credit card usage behaviour. Future research should focus on developing a consistent measure of attitude toward credit or Muslim lifestyle and also examine the relationship between Islamic financial knowledge and a variety of personal attitudes other than credit card usage behaviour 2015 Thesis https://etd.uum.edu.my/5000/ https://etd.uum.edu.my/5000/1/s816751.pdf text eng public https://etd.uum.edu.my/5000/2/s816751_abstract.pdf text eng public masters masters Universiti Utara Malaysia Ajzen, I. (1996). 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Malaysian muslim consumer credit card usage behavior

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