The acceptance of Al-Ijarah Thumma Al-Bay among government servant in Kluang, Johor / Farah Natasya Fadzailah

Al-Ijarah Thumma Al-Bay (AlTAB) is one of the latest innovative products of Islamic hire purchase financing in Islamic banks in Malaysia today. It is designed to meet the hire-purchased concept on current demand ofcustomers that focusing in motor vehicles. Despite this popularity of Islamic hire purchase among the customers as an alternative for conventional hire purchase, the criticism especially on issues pertaining to its legitimacy and validity should not be overlooked. Although there are some issues arise, Islamic banks had implemented great efforts to overcome it and be the leader in Islamic financing. Thus, this research was conducted to study and determine the acceptance of Al-Ijarah Thumma Al-Bay (AlTAB) among government servant in Kluang, Johor. A total of 120 government servants were selected as respondents of this study in Kluang, Johor. The data were analysed using 'SPSS' window through Multiple Regression analysis. The objective of this study is to determine the relationship between the acceptance of Al-Ijarah Thumma Al-Bay (AlTAB) among government servant with the level of awareness, the religious obligation and the social influence in Kluang, Johor. The finding discovered that customers have generally positive views of acceptance of Al-Ijarah Thumma Al-Bay (AlTAB) among government servant. Therefore, the most significant factor was religious obligation that revealed as the vital criteria in acceptance of Al-Ijarah Thumma Al-Bay (Al TAB) among government servants in Kluang, Johor.