A study on the selection factors of the acceptance towards financing of Al-Ijarah Thumma Al-Bay (AITAB) among government servants in Pejabat Setiausaha Kerajaan Negeri Sembilan (PSUKNS) / Nurul Alyaa Izzati Abdul Khalid

Most of the financing method offer by conventional bank looks like similar with the Islamic product but it is differ in certain aspect. One of an alternative to replace the conventional products by providing better product is introducing AlTAB. The Islamic banking institution in Malaysia has introduced Al-Ijarah Thumma Al-Bay (AlTAB) principle especially for vehicle financing product. AlTAB are needed to refer the Hire Purchase Act 1967 as a main reference even it must fulfill the Shariah requirements. Introducing AlTAB will give understanding for Muslim because most of them did not have full knowledge on the modus operandi used by Islamic banking. The vital focus on introducing AlTAB is to meet the high customer demand that apply for financing. This research was conducted to study the selection factors of the acceptance towards financing of Al-Ijarah Thumma Al-Bay (AlTAB) Among government servants in Pejabat Setiausaha Kerajaan Negeri Sembilan (PSUKNS). Therefore, this study purposely to determine the relationship between religious obligation, level awareness, and social influence with selection of AITAB among customer. 100 set questionnaire were distributed randomly among the worker in PSUKNS. The data will be analyzed using SPSS version 21.0 for running the Frequency analysis, Descriptive statistic, Reliability analysis, Correlation analysis, and Factor analysis. The results shows religious obligation become the most influential factor in selecting AlTAB.