Determinants of customers' intention to use Islamic personal financing in Segamat, Johor / Noor Busyra Othman

Islamic banks in Malaysia provide several types of Islamic products in order to fulfill the financial needs of the customers and the most products offered is Islamic personal financing. Therefore, this study was carried out to investigate whether the factors like attitude, social influence, religious obligation, government support and pricing affect the customers' intention to use Islamic personal financing. The sample comprised of 90 respondents live in Segamat, Johor. Data were obtained through a distribution of structured questionnaire. The study used factor analysis, reliability analysis, correlation, and regression to analyze the collected data. The study found four factors influence the customers' intention to use Islamic personal financing. Those are attitude, social influence, religious obligation and pricing while government support is found to be insignificant. This study was help banking sector towards a better understanding of the customers' expectations for Islamic products.