Determinants of millennials’ acceptance towards tawarruq home financing in Sandakan, Sabah, Malaysia

Panggi, Faizah; Amin, Hanudin; Shaikh, Imran Mehboob

doi:10.1108/ijhma-05-2022-0067

Cited by 6 publications

(13 citation statements)

References 42 publications

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“…Furthermore, we delve into the examination of the most extensively tested theories in CB research (in accordance with the suggestions provided by Canabal and White, 2008;Roy Bhattacharjee et al, 2022). The application of inter-related theories of TRA and TPB, SERVQUAL and CARTER model and TAM and unified theory of acceptance and use of technology (UTAUT) in the IB (Ajzen, 1991) is the other prominent theory that is often used in conjunction with TRA to detail consumer adoption of IB and IB products (Abou-Youssef et al, 2015;Johan et al, 2020;Asyari et al, 2022;Panggi et al, 2022). TPB is an extension of TRA, including an additional factor of perceived behavioral control.…”

Section: Theory-context-characteristics-methods Framework 41 Theoriesmentioning

confidence: 97%

“…TRA posits that an individual’s behavior is influenced by their attitudes toward the behavior and their perception of social pressures and expectations surrounding it. The first line of inquiry indicates how the attitude of different customers, specifically millennial generations (Farhat et al , 2019; Asyari et al , 2022; Panggi et al , 2022) and religious leaders(Janah et al , 2020), influence behavioral intention toward IB and IB products use (credit card – Ali et al , 2017; Johan et al , 2020; takaful – Farhat et al , 2019; Tawarruq – Panggi et al , 2022) The second line of research detail the factors affecting customer attitude toward IB adoption (Amin, 2013; Kaakeh et al , 2019) in specific countries (for example, UAE: Kaakeh et al , 2019; Malaysia: Amin, 2013; Mauritius: Omran et al , 2022). Based on this theory, apart from attitude and subjective norms, the factors such as religiosity (Abou-Youssef et al , 2015; Panggi et al , 2022), religious status (Omran et al , 2022), religious obligation (Janah et al , 2020), IB knowledge (Ezeh and Nkamnebe, 2020) and financial investment (Amin, 2013; Ali et al , 2017; Asyari et al , 2022) were observed to influence the behavioral intention.…”

Section: Theory-context-characteristics-methods Frameworkmentioning

confidence: 99%

“…The TPB (Ajzen, 1991) is the other prominent theory that is often used in conjunction with TRA to detail consumer adoption of IB and IB products (Abou-Youssef et al , 2015; Johan et al , 2020; Asyari et al , 2022; Panggi et al , 2022). TPB is an extension of TRA, including an additional factor of perceived behavioral control.…”

Section: Theory-context-characteristics-methods Frameworkmentioning

confidence: 99%

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Consumer behavior in Islamic banking: a systematic literature review and agenda for future research

R.V.,

Annamalai,

Chandrasekaran

2024

JIMA

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Purpose This study aims to conduct a systematic literature review on consumer behavior (CB) in Islamic banking (IB), encompassing an overview of researched contexts and topics, identifying literature gaps and proposing a comprehensive future research agenda. Design/methodology/approach By using bibliometric citation and content analysis, this study investigates 135 documents sourced from Scopus indexed publications. Findings This study delves into the growing field of CB in IB, offering a comprehensive understanding that encompasses influential journals, theories, research context, characteristics and methods used in IB research. Originality/value To the best of the authors’ knowledge, this study is the first to provide a comprehensive review of CB studies in the IB domain detailing research topics, prevailing theories, research settings, important variables and research methods.

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Section: Theory-context-characteristics-methods Framework 41 Theoriesmentioning

confidence: 97%

Section: Theory-context-characteristics-methods Frameworkmentioning

confidence: 99%

Section: Theory-context-characteristics-methods Frameworkmentioning

confidence: 99%

See 1 more Smart Citation

Consumer behavior in Islamic banking: a systematic literature review and agenda for future research

R.V.,

Annamalai,

Chandrasekaran

2024

JIMA

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“…Maduku and Mbeya (2023) discovered that PBC affects Sharia compliance behaviour in Sharia financial products significantly and positively. Panggi et al (2022) discovered that behavioural control has a substantial positive link with the millennial generation's desire for Tawarruq products in Sandakan, Sabah, indicating that the millennial generation follows religious laws. According to the findings of Gilal et al (2022), Muslims' consumption patterns are affected by their perceptions of behavioural control.…”

Section: Eligibilitymentioning

confidence: 99%

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

Andespa,

Yeni,

Fernando

et al. 2023

JIMA

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Purpose This study aims to investigate what past scholars have learned about Muslim consumer compliance behaviour in Islamic banks and identify what future research is needed. In addition, it also explores the relationship model between the previously studied determining factors and the customer’s Sharia compliance behaviour. Design/methodology/approach This study used a bibliometric–systematic literature review analysis using the Preferred Reporting Items for Systematic reviews and Meta-Analyses (PRISMA) technique by reviewing the articles published from 2013 to 2023. The PRISMA procedures involved several stages, including identification, screening, eligibility, analysis and conclusion based on the findings. Findings The results found that customer Sharia compliance behaviour determinants in Islamic banks are attitude, subjective norms, perceived behavioural control, Islamic financial literacy, religiosity, consumer conformity, Islamic branding and behavioural intention. Interestingly, the results indicated that such factors as consumer conformity, Islamic branding and sustainable intentions are less discussed. Practical implications Decision-makers in Islamic banks must use digital technology to offer better service and make operations more reachable for customers to access information, complete transactions and manage their accounts by Sharia principles. Therefore, the bank needs to continually produce innovative products and services so that customers have a greater variety of options to suit their Sharia-compliant financial needs. Theoretically, this study has contributed by finding the main critical domains influencing customers’ Sharia compliance behaviour, such as attitudes, subjective norms, perceptions of behavioural control, knowledge of Islamic finance, religiosity, consumer conformity, Islamic branding and behavioural intentions. Then, it makes a theoretical contribution by establishing a model that explains how customers make decisions based on Sharia-related factors in the context of their purchases. Originality/value Past studies focused on the Sharia compliance behaviour in paying Zakat for takaful customers. Therefore, this study provides critical factors of Sharia compliance behaviour on conformity, Islamic branding and sustainable intention regarding unexplored consensus on the determinants and outcomes of customer Sharia compliance behaviour of Islamic banking.

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“…Amin (2022) examined the effect of attitude on the intention to give alms online among students in Malaysia and showed that attitude is the most influential variable. Panggi et al (2022) analyzed millennials' acceptance of Tawarruq home financing in Sandakan, Sabah and Malaysia, and showed that attitude is the most influential variable. Based on this explanation, the hypotheses of this research are:…”

Section: Theory Of Planned Behaviormentioning

confidence: 99%

The motivating factors for switching intention to use halal cosmetics in Indonesia

Wisudanto

Widiastuti

Mardhiyah

et al. 2023

JIABR

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Purpose The halal cosmetics industry continues to grow significantly. Furthermore, using halal cosmetics is a must for Muslims. This study aims to analyze the factors influencing the switching intention to halal cosmetics in Indonesia. Design/methodology/approach This quantitative study uses a Partial Least Square-Structural Equation Modelling (PLS-SEM) on 214 respondents. The variables include halal certification, halal awareness, product image, perceived behavioral control, subjective norm, attitude, advertisement and switching intention. Findings The product image plays the most influential role in deriving the attitude toward switching intention to halal cosmetics, following perceived behavioral control, halal awareness and subjective norm, but not halal certification and advertisement. The result indicates that the image of halal cosmetics influences customers’ attitudes toward switching to using halal cosmetics. Indonesian customers know the obligation to use halal products because they are Muslim. However, the existence of halal certification does not derive the switching intention to halal cosmetics. Research limitations/implications This study conducts research only in Indonesia. As a recommendation, further studies might conduct a comparative test using multicultural respondents in several countries. Other studies also suggested examining factors of switching intention through different generational, especially in countries with high individualism traits. Practical implications This study will encourage the halal industry, especially the halal cosmetics industry, to pay more attention to the product image. Meanwhile, the government can provide incentives or rewards to promote industry participation in halal cosmetics. The findings provide a more detailed understanding of how product image can influence someone to switch to halal cosmetics. Originality/value Research on switching intention to halal cosmetics is still limited. This study uses halal variables, while previous studies only used religiosity. This study also introduced the product images motivating customers’ switching intention to use halal cosmetics.

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Determinants of millennials’ acceptance towards tawarruq home financing in Sandakan, Sabah, Malaysia

Cited by 6 publications

References 42 publications

Consumer behavior in Islamic banking: a systematic literature review and agenda for future research

Consumer behavior in Islamic banking: a systematic literature review and agenda for future research

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

The motivating factors for switching intention to use halal cosmetics in Indonesia

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