Factors that affecting people’s preference in islamic credit card : case study in Rawang, Selangor / Muhamad Fikri Azman

Despite the spread in usage and ownership of credit cards, Islamic credit card still lacking in demand. The main purpose of this paper is to identify the factors that influence people preferences towards Islamic credit card. This study is based on a questionnaire survey conducted in Rawang, Selangor. 144 questionnaires were distributed to respondents by using stratified sampling technique. Based on an extensive review of literature, we want to identify the relationship between level of satisfaction, level of knowledge, religious belief, social influences and the people’s preference towards Islamic credit card. From the finding, it can be determined that level of satisfaction are the only factor affecting the people’s preference towards Islamic credit card. The findings are likely to be important to banks and financial institutions issuing credit cards, as they help managers to have a better understanding of cardholders in Malaysia and take steps to improvise their products so that they can reach their aims and goals. Keywords – People’s preference, Satisfaction, Knowledge, Religious belief, Social influences