Factors acceptance Islamic credit card in Bank Islam Malaysia a case study in Johor Bahru / Sharifah Nadiah Syed Othman

Islamic Banking in Malaysia began in September 1963 and the first established Islamic Bank in Malaysia in1983 which is Bank Islam Malaysia (BWIB).Malaysia offered full-fledged Islamic Financial system operating parallel to conventional system (dual banking system). The purpose of this study is to identify the level of awareness of Islamic Credit card and to identify factors that influenced the acceptance of people to use Islamic Credit Card especially in Bank Islam Malaysia. Credit card are based on issuer lends money to the consumer by having interest charged. Islamic credit card is offered in order to avoid interest based (riba) and give banking services that is based on Syariah. Can Islamic bank attract customer to accept Islamic credit card and offer greater benefit than conventional credit card. Primary data as in the form of questionnaire is used in this study. There were 375 questionnaire distributed to the user of Bank Islam Malaysia in Johor Bahru. The selection of samples was based on convenience and randomly picked. The data is analyzed using correlation and regression method in Statistic Package for Social Sciences (SPSS). This study show the customer acceptance towards Islamic banks in the dual banking system that been applied in Malaysia.