Determinants of customers' intention to use Islamic financing in inland revenue board Temerloh, Pahang / Nia Hasnida Ismail

Since banking has become one of the important service sectors in the industry, customer satisfaction on the products provided by them is very crucial for the Islamic institutions. This is because, Islamic institutions need to compete relatively with the conventional one in the dual banking system in Malaysia nowadays. (Abdullah and Dusuki, 2006). Therefore, in order to achieve customers' satisfaction on the products provided especially the financing products, bank need to understand well the factors that influence the customers to involve in Islamic banking product and services. For instances, if the pricing factor is most influence, the bank need to emphasize more on the price so that it beneficial customer more than conventional bank. Despite of any variables that are most influencing, bank will be able to take a corrective measure on how to improve their products and services more. Thus, this research aim to investigate the customers' intention on using the Islamic financing related to the identified variables. This research is specifically studies on staff in Inland Revenue Board of Temerloh, Pahang. This research is based on data obtained from a set of questionnaires distributed to the staff in the organization. The data obtained was then analyzed to evaluate the most important determinants that influence customers' intention to use Islamic financing. The research expects three determinants are significant which are attitude, social influence and pricing variable. It is hope that the result that come out from the study can contribute to the improvement in the Islamic financing usage among customers.