International audienceFollowing the exponential growth of the banking sector, it is highly strategic for Islamic banks managers to identify what determines the selection criteria for these institutions to customers, knowing that the Islamic banking system is characterized by forms of organization banks very different from traditional commercial banks, with specific missions and objectives, specific strategies and structures. In this regard, our study aims to determine consumer behavior explanatory factors for the selection of an Islamic bank in Tunisia. This is specifically to test the moderating role of gender and age as discriminating variables in the decision. Data were collected from 180 people in Tunisia. A questionnaire was developed and distributed. Data were analyzed with SPSS (20.0) software. Our results show that customers consider several factors in their decision to choose an Islamic bank. These factors are essentially the quality of service offered by Islamic financial institutions, trust and compliance with the "Sharia" (Islamic Jurisprudence prescribing the prohibition of interest, the imposition of a religious tax, the blackout speculative, etc.). Specifically our results show that gender and age are two moderators between selecting an Islamic bank and the determinants observed. The originality of this work is based on the innovative nature of the observation of the role of moderator variables such as gender and age here

No abstract

Dans le commerce de détail, les gestionnaires ont tendance à limiter leurs stratégies commercialesau prix, au produit et à la promotion. Par conséquent, les performances logistiques en magasin sont rarement appréhendéesen termes de création de valeur pour les consommateurs. Or, ces performances déterminent en grande partie comment le client peut atteindre ses objectifs de façon efficace, pratique, satisfaisante et « agréable ». L’objectif de cette recherche est donc précisément d’étudier le rôle de la logistique en magasin de détail pour analyser l’impact de sa performance sur la satisfaction, et le bonheur du consommateur, ce dernier étant appréhendé comme un antécédent cognitif de la satisfaction et des attitudes du client. Notre modèle structurel, testé sur un échantillon de 270 consommateurs tunisiens, révèle que les performances logistiques en magasin de détail influencent positivement et significativement la satisfaction des consommateurs, et que le bonheur est un médiateur partiel entre la perception des performances logistiques en magasin et la satisfaction du consommateur.

Structural equations are extensively used in studies dealing with abstract variables. The authors can choose between first and higher-order constructs but some researchers omit to pursue a rigorous method. Therefore, it is important to know: when is the higher-order construct preferred to the first-order one? In this study, the authors have illustrated this procedure for perceived value and trust. They collected data with students, inviting them to navigate in a website and to fill-in a questionnaire. Results show the superiority of the second-order reflective model for perceived value and trust. The decision is taken relying on theoretical and empirical justifications. The authors have also proven the predictive ability of their variables by confirming their positive relationship with commitment. The latter predicts behavioral intentions. Second-order reflective constructs invite managers to pay attention to all the first-order factors because a negative perception of one of the factors contributes to the deterioration of the second-order construct.

No abstract