The acceptance towards islamic banking product among non-muslim: A study at Bank Simpanan Nasional Pengkalan Chepa / Khairun Mohamed @ Ismail

Nowadays, Islamic banks give the option to both customers either Muslim and nonMuslim to choose what type of products that they convenience to have. According to the reports provided, the percentage of non-Muslim that prefers Islamic banking products is increasing from year to year. How non-Muslim communities can think to select this kind of products? This study will analyzed the acceptance towards Islamic banking products among non-Muslim that offered by Islamic Banking Scheme (IBS) and its relationship with four factors including knowledge, understanding, perception and awareness about IBS. Malaysia is multicultural country but the percentage of Muslims is higher than other religion such as Buddha, Hindu and else. Even though they the have option to use
conventional banking products, they still choose Islamic banking products as their choices. From the study, readers could determine the relationship between few factors
that drives non-Muslim customers with their acceptance in Islamic banking system. Researcher have carried out some analysis on information collected from 100 nonMuslims respondents who are engaged with the Islamic banking products that offered by Bank Simpanan Nasional Pengkalan Chepa branch. The selection of samples was
based on convenience and was picked randomly. The data was analyzed using SPSS data analysis consists of frequency analysis, reliability analysis, descriptive analysis,
regression analysis and coefficient correlation analysis. The finding of this study showed that the customer knowledge and awareness have significance relationship with the
acceptance towards Islamic banking products among non-Muslim. The other two factors which are customer understanding and positive perception have no significance relationship with the acceptance towards Islamic banking products among non-Muslim customer. Means that, the acceptance towards Islamic banking products are influenced by knowledge and awareness among customers