The Relationship between Religiosity and Customers’ Adoption of Islamic Banking Services in Morocco

Echchabi, Abdelghani; Aziz, Hassanuddeen Abdul

doi:10.12816/0002190

Cited by 41 publications

(42 citation statements)

References 14 publications

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“…Over time, the existence and operation of Islamic banks have raised awareness of the general public about the Islamic banking practices. Such conclusions have been drawn by Ahmad and Bashir (2014), Echchabi and Aziz (2012), and Imran, Samad,& Masood, (2011). Therefore, the customers are concerned with the Sharī'ah compliance of the Islamic banking products and services, a reason for which they join the Islamic banks in the first place.…”

Section: Selection Of Respondentssupporting

confidence: 68%

An Empirical Study of Shar¯ı‘ah Legitimacy of Islamic Banking Operations in Pakistan

Khaleequzzaman¹,

Manṣūrī²,

Rashid³

2019

J. Islam. bus. manag.

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The legitimacy of Islamic banking refers to the compliance with the precepts of Shar¯ı‘ah (Islamic law) of the pronouncements and their implementation, requisites of various contracts, as well as, realization of the welfare objectives. Therefore, the Islamic banks are supposed to follow the Islamic values focused to bring benefit to the society alongside the commercial motive. These distinguishing features establish identity of the Islamic banks separate from their conventional counterparts and require pursuing normative values of Islamic injunctions. The primary focus of this research is two folds: firstly, considering the legitimacy of Islamic banking practices in holistic perspective including normative concerns directed by Shar¯ı‘ah, and secondly, to gauge the perception of the customers of Islamic and conventional banks about the aforementioned approach of Shar¯ı‘ah legitimacy. The research has been commissioned by developing the constructs of Shar¯ı‘ah legitimacy through extensive review of the relevant literature. At the same time, the empirical analysis based on the opinion of 836 customers of Islamic and conventional banks in all the four provinces and the capital city of Pakistan has produced important conclusions regarding their perception about legitimacy of the Islamic banking practices. The key finding in the theoretical perspective is that the value judgements have been grossly ignored by the Islamic banks. The empirical research indicated that about half of the customers perceived Islamic banking as Shar¯ı‘ah legitimate. On overall basis, the other half viewed contrary to this or preferred to remain indifferent. There is a dire need that Islamic banks should look into the desired goals of Shar¯ı‘ah legitimacy in both contexts; the value judgement and the perception of the customers.

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Section: Selection Of Respondentssupporting

confidence: 68%

An Empirical Study of Shar¯ı‘ah Legitimacy of Islamic Banking Operations in Pakistan

Khaleequzzaman¹,

Manṣūrī²,

Rashid³

2019

J. Islam. bus. manag.

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“…Norma subyektif merupakan antecedent niat menggunakan kosmetik halal yang terkuat nomor dua sesudah sikap. Hal ini berbeda dengan temuan penelitian Echchabi & Aziz (Echchabi & Aziz, 2012), Rahab (Rahab & Wahyuni, 2013) dan Nugroho dkk. (Nugroho et al, 2017), dimana skor norma subyektif merupakan variabel dengan pengaruh paling kecil dan merupakan variable paling lemah.…”

Section: Pengaruh Norma Subyektif Terhadap Niat Menggunakan Kosmetik unclassified

Peran Identitas Agama Terhadap Niat Menggunakan Kosmetik Halal : Perluasan Theory of Planned Behavior

Nugroho

Izzat

Suhasti

2019

IJIEFB

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Market share of halal cosmetics in Indonesia increased all of the time. It was not surprising, as a country with the biggest Moslem population in the world, the need of halal cosmetics is a must. Had it trued that the consumption of halal cosmetics driven by religion (Islam) as a social identity or by other factors. This study tried to find the role of religion as consumer's social identity with extended theory planned behavior. This study used purposived sampling technics among 100 collage students in Yogyakarta and analyzed with partial Least Square (PLS) s-SEM used smartPLS software. This research found that religion identity was not influenced toward intention to use cosmetics halal. The other variables, attitude, subjective norm and perceived behavior control have a positive and significant influenced toward intention to use halal cosmetics. AbstrakMarket share kosmetik halal di Indonesia, selalu meningkat sepanjang waktu. Hal tersebut tentu saja bukan hal yang mengejutkan, sebagai negara dengan populasi umat islam terbesar didunia kebutuhan kosmetik halal merupakan suatu keniscayaan. Akan tetapi apakah benar bahwa konsumsi kosmetik halal tersebut didorong oleh agama (Islam) sebagai identitas sosial konsumen atau justru oleh faktor lain. Penelitian ini mencoba melihat peran agama sebagai identitas sosial konsumen, dengan menggunakan theory planned behavior. Penelitian ini merupakan penelitian kuantitatif, dengan teknik sampling purposive dengan jumlah angket sebanyak 100 responden mahasiswi yang beragama Islam di Yogyakarta. Data kemudian diolah dengan Partial Least Square (PLS)-SEM menggunakan software smartPLS. Penelitian menemukan bahwa, identitas agama tidak memiliki peran terhadap niat menggunakan kosmetik halal. Sedangkan sikap, norma subyektif serta perceived behavior control memiliki pengaruh positif dan signifikan terhadap niat menggunakan kosmetik halal, namun pengaruh tersebut termasuk lemah.

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“…As indicated in the study conducted by Echchabi and Abd Aziz (2012), this variable is firmly connected to the socio-political, financial and economic state of the country. In the present research, we measure this variable in terms of to the presence of a well-established legal framework of Islamic financial segment in Morocco and the degree to which the Moroccan government promotes Islamic financial contracts.…”

Section: Facilitating Conditionsmentioning

confidence: 95%

Exploring Small and Medium Enterprises’ Perceptions Towards Islamic Banking Products in Morocco

Ziky¹,

Daouah²

2019

IJEF

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The main purpose of the study is to examine the willingnesslof Moroccanlsmall andlmediumlsizelenterpriseslto adopt Islamic finance methods andlthe factors thatlmay affect theirldecision. The researchlmethod is based on a modified version of theory of planned behavior (TPB). A total of 250 questionnaires were randomly distributed to SME’s managers but only 167 were valid for Analysis. The empirical findings based on our research framework indicate that most of SMEs are potential user of Islamic finance instruments. Noticeably, cost plays a major role in determining the likelihood of demand of these products by Moroccan SMEs. In addition, business support, risk sharing, suitability and self-efficacy were also found significant in determining the probability of use of Islamic financial methods by SME. The findings extend our understanding of Moroccan SMEs attitudes and awareness towards Islamic finance, and they are of key importance in informing future financial industry practice and financial policy formation in Morocco.

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The Relationship between Religiosity and Customers’ Adoption of Islamic Banking Services in Morocco

Cited by 41 publications

References 14 publications

An Empirical Study of Shar¯ı‘ah Legitimacy of Islamic Banking Operations in Pakistan

An Empirical Study of Shar¯ı‘ah Legitimacy of Islamic Banking Operations in Pakistan

Peran Identitas Agama Terhadap Niat Menggunakan Kosmetik Halal : Perluasan Theory of Planned Behavior

Exploring Small and Medium Enterprises’ Perceptions Towards Islamic Banking Products in Morocco

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