Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah

Nowadays, intense competition that exists in the financial market has cause a big challenge on profitability in banking institutions of all sizes. As Malaysia is a Muslim country where both Islamic banks and conventional banks are operated, it is crucial to understand the main factors that encourage...

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Main Author:	Alfera Jausin
Format:	Thesis
Language:	English English
Published:	2016
Subjects:	HG2397-3550 By region or country
Online Access:	https://eprints.ums.edu.my/id/eprint/37579/1/24%20PAGES.pdf https://eprints.ums.edu.my/id/eprint/37579/2/FULLTEXT.pdf
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id	my-ums-ep.37579
record_format	uketd_dc
spelling	my-ums-ep.375792023-11-03T07:11:20Z Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah 2016 Alfera Jausin HG2397-3550 By region or country Nowadays, intense competition that exists in the financial market has cause a big challenge on profitability in banking institutions of all sizes. As Malaysia is a Muslim country where both Islamic banks and conventional banks are operated, it is crucial to understand the main factors that encourage customers to use Islamic banking products, thus enable the marketing effort could be done efficiently. The main purpose of the study is to examine the relationship between attitude, subjective norm, knowledge, compatibility and government support with the intention to use Islamic banking product among bank customers in Kata Kinabalu, Sabah. In addition, this study looked into the role of generational group as the moderator between the relationship on determinants and intention to use Islamic banking products. Theory of Reasoned Action by Fishbein and Ajzen (1975) was used as the foundation in this study. By using a survey method, a total of 250 questionnaires were distributed physically at seven selected commercial banks in Kata Kinabalu. From 250 questionnaires distributed, 212 were usable for data analysis. This study used Partial Least Squares Structural Equation Modeling (PLS-SEM) version 2.0 for hypothesis testing. The findings indicated that attitude, subjective norm, knowledge and compatibility were found to have significant positive relationship with the intention to use Islamic banking products. However, government support was found to have a negative relationship with the intention to use Islamic banking product but not significant. There are no generational group differences in the ways those determinants influences intention among Generation X and Generation Y customers. The findings have theoretical and managerial implications and suggestions for future studies are provided to overcome limitations of the current study. 2016 Thesis https://eprints.ums.edu.my/id/eprint/37579/ https://eprints.ums.edu.my/id/eprint/37579/1/24%20PAGES.pdf text en public https://eprints.ums.edu.my/id/eprint/37579/2/FULLTEXT.pdf text en validuser masters Universiti Malaysia Sabah Fakulti Perniagaan, Ekonomi dan Perakaunan
institution	Universiti Malaysia Sabah
collection	UMS Institutional Repository
language	English English
topic	HG2397-3550 By region or country
spellingShingle	HG2397-3550 By region or country Alfera Jausin Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
description	Nowadays, intense competition that exists in the financial market has cause a big challenge on profitability in banking institutions of all sizes. As Malaysia is a Muslim country where both Islamic banks and conventional banks are operated, it is crucial to understand the main factors that encourage customers to use Islamic banking products, thus enable the marketing effort could be done efficiently. The main purpose of the study is to examine the relationship between attitude, subjective norm, knowledge, compatibility and government support with the intention to use Islamic banking product among bank customers in Kata Kinabalu, Sabah. In addition, this study looked into the role of generational group as the moderator between the relationship on determinants and intention to use Islamic banking products. Theory of Reasoned Action by Fishbein and Ajzen (1975) was used as the foundation in this study. By using a survey method, a total of 250 questionnaires were distributed physically at seven selected commercial banks in Kata Kinabalu. From 250 questionnaires distributed, 212 were usable for data analysis. This study used Partial Least Squares Structural Equation Modeling (PLS-SEM) version 2.0 for hypothesis testing. The findings indicated that attitude, subjective norm, knowledge and compatibility were found to have significant positive relationship with the intention to use Islamic banking products. However, government support was found to have a negative relationship with the intention to use Islamic banking product but not significant. There are no generational group differences in the ways those determinants influences intention among Generation X and Generation Y customers. The findings have theoretical and managerial implications and suggestions for future studies are provided to overcome limitations of the current study.
format	Thesis
qualification_level	Master's degree
author	Alfera Jausin
author_facet	Alfera Jausin
author_sort	Alfera Jausin
title	Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
title_short	Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
title_full	Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
title_fullStr	Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
title_full_unstemmed	Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah
title_sort	determinants of customers' intention to use islamic banking products : a study of consumers in kota kinabalu, sabah
granting_institution	Universiti Malaysia Sabah
granting_department	Fakulti Perniagaan, Ekonomi dan Perakaunan
publishDate	2016
url	https://eprints.ums.edu.my/id/eprint/37579/1/24%20PAGES.pdf https://eprints.ums.edu.my/id/eprint/37579/2/FULLTEXT.pdf
_version_	1783727545763495936

Determinants of customers' intention to use Islamic banking products : a study of consumers in Kota Kinabalu, Sabah

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