The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion

The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion

This study examined the level of intention to accept Islamic Finance Products (IFPs) in Nigeria and the moderating effects of financial inclusion on the relationship between attitude towards IFPs, subjective norms, perceived behavioural control, knowledge of IFPs, perceived benefit, perceived govern...

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Main Author: Zauro, Nurudeen Abubakar
Format: Thesis
Language:eng
eng
Published: 2017
Subjects:
BP Islam
Bahaism
Theosophy, etc
HG Finance
Online Access:https://etd.uum.edu.my/7873/1/s900304_01.pdf
https://etd.uum.edu.my/7873/2/s900304_02.pdf
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id my-uum-etd.7873
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Saad, Ram Al-Jaffri
Sawandi, Norfaiezah
topic BP Islam
Bahaism
Theosophy, etc
HG Finance
spellingShingle BP Islam
Bahaism
Theosophy, etc
HG Finance
Zauro, Nurudeen Abubakar
The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
description This study examined the level of intention to accept Islamic Finance Products (IFPs) in Nigeria and the moderating effects of financial inclusion on the relationship between attitude towards IFPs, subjective norms, perceived behavioural control, knowledge of IFPs, perceived benefit, perceived government support, religious obligation, service quality, gender, ethnicity and intention to accept IFPs. The quantitative study used the cross-sectional method to collect 357 samples using closed ended questionnaires. The data was analysed using the Partial Least Squares Structural Equation Modelling (PLS-SEM). The Theory of Planned Behaviour (TPB) was adopted as the underlying theory to test 21 postulated hypotheses. The results show a high intention towards accepting IFPs. Similarly, 14 hypotheses (67%) are supported, out of which attitude towards IFPs, perceived behavioural control, knowledge of IFPs, perceived government support, religious obligation, gender, and ethnicity show significant direct relationships with intention to accept IFPs while subjective norms, perceived benefit and service quality are not significant. The results show that financial inclusion can moderate the relationship between attitude towards IFPs, subjective norms, perceived government support, religious obligation, service quality, gender and intention to accept IFPs, compared to perceived behavioural control, knowledge of IFPs, perceived benefit and ethnicity which are not significant. The results also show that the variables in the study address 74.5% of the needed determinants (R-Squared=74.5%) with a large effect size and predictive relevance of 38.04% and 42.57% respectively. Consequently, the study recommends that the government and its development partners should institutionalise the low cost IFPs such as Qardhul Hassan for the less privileged Muslims and strengthen Islamic Microfinance (IsMF) institutions. The government‟ s emphasis should be on those regions suffering from high rates of financial exclusion in order to achieve its target of reducing the current financial exclusion rate of 41.6% to 20% by 2020.
format Thesis
qualification_name Ph.D.
qualification_level Doctorate
author Zauro, Nurudeen Abubakar
author_facet Zauro, Nurudeen Abubakar
author_sort Zauro, Nurudeen Abubakar
title The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
title_short The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
title_full The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
title_fullStr The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
title_full_unstemmed The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion
title_sort determinants of intention to accept islamic finance products in nigeria : the moderating effects of financial inclusion
granting_institution Universiti Utara Malaysia
granting_department Tunku Puteri Intan Safinaz School of Accountancy (TISSA)
publishDate 2017
url https://etd.uum.edu.my/7873/1/s900304_01.pdf
https://etd.uum.edu.my/7873/2/s900304_02.pdf
_version_ 1747828280636997632
spelling my-uum-etd.78732021-08-18T08:45:11Z The determinants of intention to accept Islamic finance products in Nigeria : the moderating effects of financial inclusion 2017 Zauro, Nurudeen Abubakar Saad, Ram Al-Jaffri Sawandi, Norfaiezah Tunku Puteri Intan Safinaz School of Accountancy (TISSA) Tunku Puteri Intan Safinaz School of Accountancy (TISSA) BP Islam. Bahaism. Theosophy, etc HG Finance This study examined the level of intention to accept Islamic Finance Products (IFPs) in Nigeria and the moderating effects of financial inclusion on the relationship between attitude towards IFPs, subjective norms, perceived behavioural control, knowledge of IFPs, perceived benefit, perceived government support, religious obligation, service quality, gender, ethnicity and intention to accept IFPs. The quantitative study used the cross-sectional method to collect 357 samples using closed ended questionnaires. The data was analysed using the Partial Least Squares Structural Equation Modelling (PLS-SEM). The Theory of Planned Behaviour (TPB) was adopted as the underlying theory to test 21 postulated hypotheses. The results show a high intention towards accepting IFPs. Similarly, 14 hypotheses (67%) are supported, out of which attitude towards IFPs, perceived behavioural control, knowledge of IFPs, perceived government support, religious obligation, gender, and ethnicity show significant direct relationships with intention to accept IFPs while subjective norms, perceived benefit and service quality are not significant. The results show that financial inclusion can moderate the relationship between attitude towards IFPs, subjective norms, perceived government support, religious obligation, service quality, gender and intention to accept IFPs, compared to perceived behavioural control, knowledge of IFPs, perceived benefit and ethnicity which are not significant. The results also show that the variables in the study address 74.5% of the needed determinants (R-Squared=74.5%) with a large effect size and predictive relevance of 38.04% and 42.57% respectively. Consequently, the study recommends that the government and its development partners should institutionalise the low cost IFPs such as Qardhul Hassan for the less privileged Muslims and strengthen Islamic Microfinance (IsMF) institutions. The government‟ s emphasis should be on those regions suffering from high rates of financial exclusion in order to achieve its target of reducing the current financial exclusion rate of 41.6% to 20% by 2020. 2017 Thesis https://etd.uum.edu.my/7873/ https://etd.uum.edu.my/7873/1/s900304_01.pdf text eng public https://etd.uum.edu.my/7873/2/s900304_02.pdf text eng public https://sierra.uum.edu.my/record=b1698387~S1 Ph.D. doctoral Universiti Utara Malaysia Ab Rahman, A. H., Wan Ahmad, W. I., Salamun, H., & Mohamad, M. Y. (2016). 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