Factor that influence customers choose Islamic personal financing / Nur Amalina Rosmelan

Islamic banking and finance is an emerging global industry founded on Islamic ethical precepts. Just as in the case of conventional banks, Islamic banks are expected to offer products that consider the needs of their customers. The present study investigates the effects of the following factors which is attitude, social influence, religious obligation and pricing, on the intention to use Islamic personal financing. Data were collected through questionnaire and used SPSS 21.0 to analyze the data using regression analysis. The study found all factors to be significant in influencing the intention to use Islamic financing, namely, consumer attitude, religious obligation, social influence and pricing of Islamic financing.