Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff

Islamic house financing is compliant with Shari ah because no prohibited elements such as interest rate (Haran, 2005; Amin, 2008). Recently, most of the Islamic banking institutions offer Islamic house financing. "Islamic mortgage providers" refers to the financial institution that offers...

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Main Author:	Qodah, Sayidali Abdi
Format:	Thesis
Language:	eng eng eng
Published:	2018
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/8464/1/s818946_01.pdf https://etd.uum.edu.my/8464/2/s818946_02.pdf https://etd.uum.edu.my/8464/3/s818946%20references.docx
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id	my-uum-etd.8464
record_format	uketd_dc
spelling	my-uum-etd.84642021-07-19T08:28:02Z Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff 2018 Qodah, Sayidali Abdi Abubakar, Yusuf Sani Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance Islamic house financing is compliant with Shari ah because no prohibited elements such as interest rate (Haran, 2005; Amin, 2008). Recently, most of the Islamic banking institutions offer Islamic house financing. "Islamic mortgage providers" refers to the financial institution that offers Islamic house financing using the Shariah principles such as Bai Bithaman Ajil (BBA) and Musharakah Mutanaqisah (MM) or known as Diminishing Partnership (DP). In the conventional bank loans, especially for house, of course, it is based on interests. Loans are the main mode of financing under conventional housing loan using interest as time factor for borrowed money (Taib et al., 2008). This paper is an attempt to determine factors influencing customer's intention to use Islamic house financing by investigating five factors, which are attitude, religious obligation, social influence, pricing system and intention to use. The aim of this paper is to identify the different between demographic factors of(gender, ethnic, age, education level, marital status, academic staff, income per month) and customer's intention to use Islamic house financing, to determine the relationship between (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing, and to examine the significant influence of (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing. The study has targeted certain population, that is, Universiti Malaysia Perlis (UniMAP) academic staff. This study employed a quantitative type of research using questionnaire and the sample comprised of 230 respondents. The result obtained from this study, reveals that the customer's intention to use Islamic house financing for mostly three factors, which are attitude, religious obligation and social influence. Therefore, this study provides great contributions, implications and has recommended both the government and financial institutions on how to improve Islamic house financing. 2018 Thesis https://etd.uum.edu.my/8464/ https://etd.uum.edu.my/8464/1/s818946_01.pdf text eng public https://etd.uum.edu.my/8464/2/s818946_02.pdf text eng public https://etd.uum.edu.my/8464/3/s818946%20references.docx text eng public other masters Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng eng
advisor	Abubakar, Yusuf Sani
topic	HG Finance
spellingShingle	HG Finance Qodah, Sayidali Abdi Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
description	Islamic house financing is compliant with Shari ah because no prohibited elements such as interest rate (Haran, 2005; Amin, 2008). Recently, most of the Islamic banking institutions offer Islamic house financing. "Islamic mortgage providers" refers to the financial institution that offers Islamic house financing using the Shariah principles such as Bai Bithaman Ajil (BBA) and Musharakah Mutanaqisah (MM) or known as Diminishing Partnership (DP). In the conventional bank loans, especially for house, of course, it is based on interests. Loans are the main mode of financing under conventional housing loan using interest as time factor for borrowed money (Taib et al., 2008). This paper is an attempt to determine factors influencing customer's intention to use Islamic house financing by investigating five factors, which are attitude, religious obligation, social influence, pricing system and intention to use. The aim of this paper is to identify the different between demographic factors of(gender, ethnic, age, education level, marital status, academic staff, income per month) and customer's intention to use Islamic house financing, to determine the relationship between (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing, and to examine the significant influence of (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing. The study has targeted certain population, that is, Universiti Malaysia Perlis (UniMAP) academic staff. This study employed a quantitative type of research using questionnaire and the sample comprised of 230 respondents. The result obtained from this study, reveals that the customer's intention to use Islamic house financing for mostly three factors, which are attitude, religious obligation and social influence. Therefore, this study provides great contributions, implications and has recommended both the government and financial institutions on how to improve Islamic house financing.
format	Thesis
qualification_name	other
qualification_level	Master's degree
author	Qodah, Sayidali Abdi
author_facet	Qodah, Sayidali Abdi
author_sort	Qodah, Sayidali Abdi
title	Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
title_short	Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
title_full	Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
title_fullStr	Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
title_full_unstemmed	Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff
title_sort	factors influencing customer's intention to use islamic house financing among universiti malaysia perlis (unimap) academic staff
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2018
url	https://etd.uum.edu.my/8464/1/s818946_01.pdf https://etd.uum.edu.my/8464/2/s818946_02.pdf https://etd.uum.edu.my/8464/3/s818946%20references.docx
_version_	1747828398443462656

Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff

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