Factor influencing the Islamic credit cards holder selection / Dhaim Abd Rahman

The study was conducted to find out the relationship between independent and dependent variable. The independent variables chosen are service quality and religiosity satisfaction. The selection of Islamic credit cards (ICC) is the dependent variable. When the primary data is used in this study, therefore a SPSS system was to find a result whether to accept or reject the hypothesis. The method of this study is the regression analysis. The finding has been interpreted base on the correlation, coefficient correlation, F-statistic and T-statistic. The data that been used in this study was collected for the period of January until March 2011. Base on the result, it was summarized that both service quality and religiosity satisfaction has a significant relationship toward selection of ICC.

This study had been tested by using a set of questionnaire which contained 45 questions and had distributed to 50 respondents. Most of the respondent are come from academician/ lecturers and follow by professional, students and self-employed. From this study, certain problem statement was founded. The past research was conduct to identify the performance of Islamic and conventional banking in Malaysia has less reported in the literature. Moreover, fewer the studies on ICC holder’s satisfaction also have less reported in the literature. The finding on this study stated that there is weak positive relationship between independent variables and dependent variables. So, in the hypothesis, the researcher accepts HI and rejects HO. The reason is the errors on this model are 0.005 which can be accepted. If the significant is ≥ 0.005, reject the hypothesis. And if the significant is ≤ 0.005, accept the hypothesis.