Acceptance of simpanan shariah scheme among employees provident fund customers in Bahau, Negeri Sembilan / Nurqystina Sofea Rozaimi

Simpanan Shariah is the first Islamic public investment fund provided by the Employees Provident Fund (EPF). After the registration opened on 8 August 2016, until 2 November 2016, an accumulated 503,734 registrations have been recorded for Simpanan Shariah, this averages to 167,911 registrations per month (Kumpulan Wang Simpanan Pekerja, 2017). So, this study was conducted to identify the factors influencing customers' acceptance of Simpanan Shariah. This study focused only on three factors which were religious obligation, level of awareness and social influence. A total of 150 respondents of EPF customer that experienced Simpanan Shariah participated in this study and conducted in Bahau, Negeri Sembilan. The quantitative data was collected through questionnaires and analysed using Statistical Package for Social Science (SPSS) software version 22.0. Furthermore, all variables tested with Reliability Test, Pearson Correlations Matrix and Multiple Regression Analysis. The findings of this research shown that religious obligation, level of awareness and social influence were influencing the customers on acceptance of Simpanan Shariah. Furthermore, the most important factor influencing customers on accepting Simpanan Shariah was religious obligation. It is hoped that this study can contribute to the improvement of EPF in promoting Simpanan Shariah to customers by focusing more on religious obligation.