The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria

Literature has recognized the acceptance of Islamic microfinance as a strategic management tool used by individual customers of Islamic microfinance in Kano State, Nigeria, to distinguish itself in service quality, customer- perceived value and corporate image. However, studies are limited on the re...

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Main Author:	Yakubu, Surajo Musa
Format:	Thesis
Language:	eng eng
Published:	2021
Subjects:	BP Islam Bahaism Theosophy, etc HG Finance
Online Access:	https://etd.uum.edu.my/9480/1/s96197_01.pdf https://etd.uum.edu.my/9480/2/s96197_02.pdf
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id	my-uum-etd.9480
record_format	uketd_dc
spelling	my-uum-etd.94802022-06-08T00:50:40Z The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria 2021 Yakubu, Surajo Musa Mohamed Naim, Asmadi Yusuff, Noraini College of Business (COB) College of Business (COB) BP Islam. Bahaism. Theosophy, etc HG Finance Literature has recognized the acceptance of Islamic microfinance as a strategic management tool used by individual customers of Islamic microfinance in Kano State, Nigeria, to distinguish itself in service quality, customer- perceived value and corporate image. However, studies are limited on the relationship between service quality, customer -perceived value and corporate image. Nevertheless, the literature has yet to establish the moderating effect of religiosity on the relationship between service quality, customer- perceived value and corporate image. Based on a theoretical consideration, a model was proposed to examine these relationships and the study postulated 6 hypotheses. A quantitative approach and a cross-sectional design were adopted with a sample size of 360. Valid responses from 194 questionnaires were achieved and data was analyzed using the Statistical Package for Social Science (SPSS) for Windows version 22, and the Partial Least Square Structural Equation Model (PLS-SEM). The findings revealed that the direct relationship between service quality and customer- perceived value and acceptance of Islamic microfinance was supported. However, corporate image and acceptance of the Islamic microfinance reported an insignificant relationship. As postulated, the moderating effect of religiosity on the relationship between service quality and acceptance of Islamic microfinance was established in the study. However, the moderating effect of religiosity on the relationship among customer-perceived value, corporate image and acceptance of Islamic microfinance was not significantly established. The study contributes to the present literature, both in practice and theory. Research in the future may test the model in different country settings or organizations to add to the generalization of the findings 2021 Thesis https://etd.uum.edu.my/9480/ https://etd.uum.edu.my/9480/1/s96197_01.pdf text eng 2024-08-01 staffonly https://etd.uum.edu.my/9480/2/s96197_02.pdf text eng public other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Mohamed Naim, Asmadi Yusuff, Noraini
topic	BP Islam Bahaism Theosophy, etc HG Finance
spellingShingle	BP Islam Bahaism Theosophy, etc HG Finance Yakubu, Surajo Musa The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
description	Literature has recognized the acceptance of Islamic microfinance as a strategic management tool used by individual customers of Islamic microfinance in Kano State, Nigeria, to distinguish itself in service quality, customer- perceived value and corporate image. However, studies are limited on the relationship between service quality, customer -perceived value and corporate image. Nevertheless, the literature has yet to establish the moderating effect of religiosity on the relationship between service quality, customer- perceived value and corporate image. Based on a theoretical consideration, a model was proposed to examine these relationships and the study postulated 6 hypotheses. A quantitative approach and a cross-sectional design were adopted with a sample size of 360. Valid responses from 194 questionnaires were achieved and data was analyzed using the Statistical Package for Social Science (SPSS) for Windows version 22, and the Partial Least Square Structural Equation Model (PLS-SEM). The findings revealed that the direct relationship between service quality and customer- perceived value and acceptance of Islamic microfinance was supported. However, corporate image and acceptance of the Islamic microfinance reported an insignificant relationship. As postulated, the moderating effect of religiosity on the relationship between service quality and acceptance of Islamic microfinance was established in the study. However, the moderating effect of religiosity on the relationship among customer-perceived value, corporate image and acceptance of Islamic microfinance was not significantly established. The study contributes to the present literature, both in practice and theory. Research in the future may test the model in different country settings or organizations to add to the generalization of the findings
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Yakubu, Surajo Musa
author_facet	Yakubu, Surajo Musa
author_sort	Yakubu, Surajo Musa
title	The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
title_short	The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
title_full	The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
title_fullStr	The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
title_full_unstemmed	The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria
title_sort	moderating effect of religiosity on customers' acceptance of islamic micro finance in kano state nigeria
granting_institution	Universiti Utara Malaysia
granting_department	College of Business (COB)
publishDate	2021
url	https://etd.uum.edu.my/9480/1/s96197_01.pdf https://etd.uum.edu.my/9480/2/s96197_02.pdf
_version_	1747828604709896192

The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria

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