Factors that influence the adoption of Islamic banking services among non - muslim customer of Islamic subsidiaries bank / Syafiqah Ereena Mohd Khairuddin

The Islamic banking sector worldwide has witnessed remarkable expansion over the past several years. Islamic banking based on Shariah law, which are the rules and practices based on Quranic teachings and prescriptive practices of Prophet Muhammad (PBUH). These laws are supported by other secondary sources of Islamic law such as opinions collectively agreed among Shariah scholars, analogy and personal reasoning. The operations of Islamic banking based on the concept of mutual risk and profit sharing between parties, with assurance of fairness for all transactions that based on an underlying business activities or assets. The adoption of Islamic banking services been misconstrued as being applicable and offered only to Muslims. Hence, there is still a large portion of non-Muslims who are reluctant to engage in Islamic banking services. There are also issue arise when the compliance with Shariah law could be perceived by non-Muslim as promoting Islam, or an attempt to gradually convert non-Muslims to Islam. Moreover, this contradict with the purpose of the establishment of the Islamic banking industry itself. This study would conduct to examine the relationship between dependent variables and independent variable. The respondent on this research would be the non-Muslim customer of Islamic subsidiaries bank. The data has been analysed by using the SPSS 21 package. At the end of this research, it would be expected that independent variables might be influence the dependent variable.