A study to investigate factors influencing corporate customers to choose Islamic personal financing / Ahmad Aizad Shaari

The purpose of this study is to determine the factors that influencing the corporate customers to choose Islamic personal financing. For this study only 360 of respondents which are most of them are employees at private sectors (PETRONAS), government sector, self employed and others. They were selected and act as respondents for this study. The objectives of this study aims to identify the factors that contribute to selection of Islamic personal financing among corporate customers and to ascertain the best predictor to influences selection of Islamic personal financing. This study also takes into consideration of the respondent’s knowledge about awareness of Islamic personal financing, government support, pricing, religious obligation and profit rates towards Islamic personal financing. Besides that, this study quantitative research whereby the findings of the study were analysed by using the Statistical Package for the Social Sciences (SPSS). Next, the data collected in this study is analysed by using frequency, descriptive analysis, reliability and multiple regression in order to achieved the research objectives. Eventually, this study discovered that most of the respondents were female, Muslims, single, age between 18 until 21 years old and most of them have monthly salary range between RM1000 until RM4000. In addition, multiple regressions also answered the research objective one whereby government support, pricing, religious obligation and profit rates becomes the factors that contributed towards selection of Islamic personal financing among corporate customers. There is also recommendation in this study which emphasize the Islamic personal course to Banking industry, government, companies and institutions in Malaysia.