Factors Responsible for Making Consumer Attitude towards Islamic Banking : A Study of Islamic Banks Accountholders of Peshawar Region Pakistan

Khan, Shahzad

doi:10.12816/0002248

Cited by 3 publications

(4 citation statements)

References 4 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Subhani et al (2012) found that high profit, low service charges, religious motives, and quality of service were the most valued factors for the selection of an Islamic bank in Karachi. In Peshawar, religious support and quality of service are the most influential drivers of clients' attitudes towards IB (Khan, 2012). On the same note, religious motives, convenience, customer service quality and knowledgeable personnel are major determinants for full-fledged Islamic banks in Pakistan (Abdul Rehman and Masood, 2012).…”

Section: Ib Selection Factorsmentioning

confidence: 99%

“…Convenience was measured using a six-item scale (Subhani et al, 2012;Ramdhony, 2013;Ramadan, 2013). WOM was measured using a four-item scale (Subhani et al, 2012;Khan, 2012;Ramdhony, 2013). Perceived value was measured using a four-item scale (Subhani et al, 2012;Khan, 2012;Ramdhony, 2013).…”

Section: Measurement Itemsmentioning

confidence: 99%

“…WOM was measured using a four-item scale (Subhani et al, 2012;Khan, 2012;Ramdhony, 2013). Perceived value was measured using a four-item scale (Subhani et al, 2012;Khan, 2012;Ramdhony, 2013). Religious motives were measured by a three-item scale (Dusuki and Abdullah, 2007;Idris et al, 2011;Subhani et al, 2012;Ramdhony, 2013;Bisharat, 2014).…”

Section: Measurement Itemsmentioning

confidence: 99%

See 2 more Smart Citations

A study of factors affecting word of mouth (WOM) towards Islamic banking (IB) in Jordan

Mahadin

Akroush

2019

IJOEM

View full text Add to dashboard Cite

Purpose The purpose of this paper is to identify factors affecting word-of-mouth (WOM) towards Islamic Banking (IB) in Jordan through understanding the roles of service quality and perceived value. Design/methodology/approach A self-administered survey was hand-delivered to the targeted sample of Islamic banks customers in Jordan. The authors delivered 400 questionnaires to customers from which 352 were deemed valid for the analysis. Exploratory and confirmatory factor analyses were performed to assess the research constructs validity and composite reliability. Structural path analysis was also used to test the research model and hypothesised relationships between the variables. Findings Service quality has a positive and significant effect on perceived value and WOM towards IB. Convenience has a positive and significant effect on perceived value. Finally, perceived value has a positive and significant effect on WOM towards IB. Service quality exerted the strongest effect on perceived value and WOM. Also, 38 per cent of variation in perceived value was caused by religious motives, service quality and convenience path, whereas 34 per cent of variation in WOM towards IB was caused by perceived value, service quality and convenience path. Research limitations/implications Future research needs to investigate other factors that may affect customers’ WOM concerning IB such as perceived bank image, trust and subjective norms. Future research should investigate other dimensions of perceived value such as social, psychological, emotional, sacrifice value and product values and how they affect WOM. From an international marketing standpoint, comparative studies between Jordanian and non-Jordanian Islamic customers are potential areas of future research for international marketing strategies and cross-cultural consumer behaviour analysis. Practical implications The paper identifies the determinants of WOM towards IB. Managers should focus on executing service quality strategies customised towards IB. Convenience is a major driver of perceived value and, then, WOM towards IB. Managers need to focus on key marketing messages that enhance religious motives in customers’ minds and hearts; however, attracting new customers and retaining the current ones depend on the perceived benefits in the areas of service quality, convenience and several value aspects. Originality/value This study is the first of its kind to test a model of WOM determinants in IB in Jordan. The study is thought to have made a reasonable contribution to consumer behaviour literature and, specifically, for decision-making process through developing and testing a model of WOM determinants towards IB. The study offers CEOs and marketing managers of Islamic banks new insights into the determinants of WOM and how they contribute to consumers’ decision-making process and attitudes to achieve the intended behavioural outcomes towards IB, which were not available at their hands before. These empirical findings are crucial inputs for marketing strategy formulation and implementation.

show abstract

Section: Ib Selection Factorsmentioning

confidence: 99%

Section: Measurement Itemsmentioning

confidence: 99%

Section: Measurement Itemsmentioning

confidence: 99%

See 1 more Smart Citation

A study of factors affecting word of mouth (WOM) towards Islamic banking (IB) in Jordan

Mahadin

Akroush

2019

IJOEM

View full text Add to dashboard Cite

show abstract

“…Karena istilah ideologi agama mempunyai titik sensitifitas yang tinggi dibandingkan dengan istilah-istilah pelayanan maupun keunggulan kompetitif lainnya. Tentunya ada beberapa faktor lainnya untuk memmempengaruhi sikap dan prilaku masyarakat dalam menaggapi perbankkan syariah, Nazir Imtiaz (2013) mengungkapkan ada dua faktor yang mempengaruhi sikap masyarakat terhadap perbankkan syariah di Pakistan, yaitu faktor keagamaan dan faktor pengetahuan tentang perbankkan syariah, dari penelitiannya faktor yang sangat berpengaruh dalam perilaku masyarakat terhadap perbankkan syariah adalah faktor keagamaan (ideologi keagamaan) karena mereka memiliki keyakinan yang kuat tentang kepercayaan keimanannya yang diimplikasikan terhadap prilakunya kepada sistem ekonomi, penelitian ini juga ditegaskan oleh Muhammad Mazhar Manzoor, at al (2010) yang menyatakan bahwa faktor agama mempunyai peran dominan dalam memotivasi masyarakat terhadap perbankkan syariah sementara faktor ekonomi dan faktor sosial tidak bisa mengungguli kontribusi faktor agama yang sangat besar.Namun menurut Shahzad Khan (2012) bukan hanya faktor agama saja yang dominan dalam mempengaruhi sikap dan motivasi umat Muslim terhadap perbankan syariah, faktor kualitas pelayanan juga mempunyai pengaruh yang signifikan dibandingkan dengan pengaruh faktor sosial, dapat kita duga bahwa faktor keagamaan dan faktor kualitas pelayanan mempunyai pengaruh yang dominan terhadap keputusan umat Muslim untuk memilih perbankan syariah.…”

Section: Pendahuluanunclassified

Dinamika Perbankan Syariah dalam Prinsip Maqasid Shariah dan Laporan Kinerja Keuangan

Hidayat

2020

Ecobankers

View full text Add to dashboard Cite

This research discusses the dynamics of Islamic banking as a financial institution as well as an institution that applies the principles of Maqasid Sharia in running its business. The methodology used in this research is a qualitative descriptive analysis by exploring the literature and building an understanding of the dynamics of Islamic banking. The findings in this study explain that Islamic banking must be consistent in applying the values of the Maqasid Sharia principles (building justice, building education, and improving public welfare) which in turn will increase public trust and have a positive impact on people's financial performance. Islamic banking. Abstrak Penelitian ini membahas tentang dinamika perbankan syariah sebagai lembaga keuangan sekaligus sebagai lembaga yang menerapkan prinsip maqasid shariah dalam menjalankan bisnisnya. Metodologi yang digunakan dalam penelitian ini menggunakan analisis diskripsi kualitatif dengan menggali studi pustaka dan membangun pemahaman tentang dinamika perbankan syariah. Hasil yang ditemukan dalam penelitian ini menerangkan bahwa perbankan syariah harus konsisten dalam menerapkan nilai-nilai prinsip maqasid shariah (membangun keadilan, membangun pendidikan dan meningkatkan kesejahteraan sosial) yang pada akhirnya akan meningkatkan kepercayaan masyarakat dan berdampak positif terhadap kinerja keuangan perbankan syariah.

show abstract

Consumer’s Satisfaction and Behaviour Towards Personal Financing

Din

Ismail

Nuh

2019

IJEMP

View full text Add to dashboard Cite

The unprecedented changes in the financial market have put a great pressure on financial service providers. As more competitive financial products and services emerge in the market, financial institutions have no choice, but to enhance their competitive advantages. Thus, consumer behavior in purchasing products and services must really be understood by the service providers. Unfortunately, the literature on customer satisfaction and the purchase decision is hardly seen in the finance industry. This paper originally develops a model of the relationship between consumer satisfaction and purchase decision in the finance industry focusing on personal finance. The mediating role of customer satisfaction in the purchase decision is emphasized in this research model. This model had been used to focus purchase decisions by adapted Theory Planned Behaviour (TPB). A clear understanding of the relationship attitude, subjective norms and perceived behavioral control towards purchase behavior had found by previous research. But lack of studies focused on the small-medium enterprises (SME’s) that nowadays have become a platform for the economy in Malaysia. Hence, this conceptual model had focused on SME’s behavior in selecting personal finance. The conceptual model offers insight into the general nature of a recovery that specifically to the understanding of SME’s behavior as well as in purchase personal loan.

show abstract

Factors Responsible for Making Consumer Attitude towards Islamic Banking : A Study of Islamic Banks Accountholders of Peshawar Region Pakistan

Cited by 3 publications

References 4 publications

A study of factors affecting word of mouth (WOM) towards Islamic banking (IB) in Jordan

A study of factors affecting word of mouth (WOM) towards Islamic banking (IB) in Jordan

Dinamika Perbankan Syariah dalam Prinsip Maqasid Shariah dan Laporan Kinerja Keuangan

Consumer’s Satisfaction and Behaviour Towards Personal Financing

Contact Info

Product

Resources

About