Conceptualizing the Influences of Knowledge and Religiosity on Islamic Credit Card Compliance

Johan, Zaimy Johana; Putit, Lennora

doi:10.1016/s2212-5671(16)30155-1

Cited by 33 publications

(30 citation statements)

References 19 publications

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“…Religiosity refers to people expression on their religious beliefs and practices (Johan and Putit, 2016). Religiosity is already known as one of the most influential factors of human behavior (Eid and El-Gohary, 2015 practice is related to how they do every activity based on their religious values.…”

Section: Religiositymentioning

confidence: 99%

Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

Abror

Patrisia

Engriani

et al. 2019

JIMA

138

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Journal of Islamic Marketing SERVICE QUALITY, RELIGIOSITY, CUSTOMER SATISFACTION, CUSTOMER ENGAGEMENT AND ISLAMIC BANK'S CUSTOMER LOYALTY ABSTRACT PurposeThis study investigates the influential factors of customer loyalty to Islamic Bank, namely service quality, customer satisfaction, customer engagement and religiosity. Design/methodology/approachThis study is a survey of 335 Islamic bank customers in West Sumatra Indonesia. This research deployed purposive sampling and analyzed the data by using Covariance Based Structural Equation Modelling (CB-SEM). Findings Service quality has a positive and significant impact on customer satisfaction. Religiosity has a significant and negative moderating impact on the service quality-customer satisfaction relationship. Service quality has no significant influence on customer loyalty. Customer satisfaction is a significant antecedent of customer engagement and loyalty. Finally, customer engagement has a significant and positive effect on customer loyalty. Research limitations/implicationsThis study is a combination of cross-sectional and a single country case. Accordingly, the results may not be representative of other countries. Similar studies in longitudinal data collection and conducted in other countries (e.g., ASEAN countries) would therefore be worthwhile. Some antecedents of customer loyalty have been neglected in this study (e.g., customer value co-creation and customer commitment), hence, the future study may investigate those factors. Practical implicationsBy considering these Islamic banks' antecedents, the Islamic banks might enhance their customer loyalty. Second, this study has revealed the moderating role of religiosity in a loyalty relationship. Therefore, it will give insights for the Islamic bank managers in decision making. Originality/valueThis study has revealed the moderating role of religiosity on the link between service quality and customer satisfaction in Islamic bank which is neglected in the previous studies. The customers with high religiosity will have a higher standard of satisfaction and demand a better service quality than the customers with low religiosity. This study has also examined the relationship between service quality, religiosity, customer satisfaction, customer engagement and loyalty as a whole which have been limited previously.

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Section: Religiositymentioning

confidence: 99%

Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

Abror

Patrisia

Engriani

et al. 2019

JIMA

138

View full text Add to dashboard Cite

show abstract

“…Johan [30][31][32][33][34] and others [35][36][37] have investigated Islamic credit card use, use of Islamic personal financing through banks [38][39][40], and even Islamic pawnbroking [41] in a variety of countries. However, we found no academic work about rent-to-own or payday lending in Islamic culture.…”

Section: Credit In Iranian Culturementioning

confidence: 99%

Financial Knowledge, Personality Traits, and Risky Borrowing Behaviors in Iranian Households

2020

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This article examines the influence of financial knowledge and personality traits on risky borrowing behaviors among Iranian respondents. A proprietary dataset was used in this study. Logistic regression results indicated that numeracy and knowledge of the time value of money were negatively associated with two of the three risky borrowing behaviors (borrowing more than $1500 USD and use of rent-to-own). Conscientiousness was negatively related to the same two borrowing behaviors. Neuroticism negatively influenced use of payday lending. The article concludes with financial education policy suggestions for Iran and directions for future research.

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“…Other studies of the concept of Islamic credit cards relate to the issues of knowledge and religiosity influencing people's decisions on whether to opt for credit cards (Johan & Putit, 2016). The literature also tends to suggest that the perception of consumers relating to Islamic credit card may vary (Johan et al, 2017).…”

Section: Literature Review 21 Conceptualising Islamic Credit Cardsmentioning

confidence: 99%

Conceptualising Islamic Credit Cards Based on Mushāraka Mutanāqisa

Alkhan

Hassan

Hasan

2020

JIMF

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The purpose of this paper is to conceptualise an Islamic credit card (or mushārakacard) based on the Islamic principles of mushāraka mutanāqisa. A qualitativemethodology was employed, with qualitative content analysis used on AAOIFI Shari’aStandard (SS) No. 12 “Sharikah (Musharaka) and Modern Corporations” to derivekey rulings and controls for mushāraka mutanāqisa, which were then used toconceptualise an Islamic credit card based on mushāraka mutanāqisa. Theoretically,it should be possible to develop an Islamic credit card based on the Islamic rulings ofmushāraka mutanāqisa. The concept provided in this paper could be adopted as apilot project by Islamic retail banks. Evidence suggests that a new revised standardfor credit cards (included within AAOIFI Shari’a Standard (SS) No. 2) was underconstruction while this research was being undertaken. Therefore, it was not possibleto review what perhaps may be relevant information for conceptualising a new Islamiccredit card. The research intends to fill the gap by qualitatively conceptualising anIslamic credit card based on a mushāraka mutanāqisa in an in-depth manner,especially with the use of AAOIFI as a base for the conceptual analysis.

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Conceptualizing the Influences of Knowledge and Religiosity on Islamic Credit Card Compliance

Cited by 33 publications

References 19 publications

Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty

Financial Knowledge, Personality Traits, and Risky Borrowing Behaviors in Iranian Households

Conceptualising Islamic Credit Cards Based on Mushāraka Mutanāqisa

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