Browsing by Author "Amin H."
Now showing 1 - 2 of 2
Results Per Page
Sort Options
- Some of the metrics are blocked by yourconsent settings
Publication Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers(Emerald Group Publishing Ltd., 2017) ;Amin H. ;Abdul Rahman A.R. ;Abdul Razak D. ;Rizal H. ;Faculty of Economics and Muamalat ;Universiti Malaysia Sabah (UMS) ;Universiti Sains Islam Malaysia (USIM)International Islamic University Malaysia (IIUM)Purpose: The purpose of this study is to investigate the effects of service quality, product choice and Islamic debt policy on consumer attitude within the context of Islamic mortgage sector in Malaysia. The present study also examines the effect of attitudinal-behaviour on consumer preference towards preference of Islamic mortgage selection. Design/methodology/approach: The study is based on questionnaire survey. Data are collected using sample from customers of Islamic banks in Malaysia. The study collects 351 respondents. Data are analysed using partial least squares (PLS). Findings: The results indicate that service quality, product choice and Islamic debt policy significantly influence consumer attitude, in turn, affecting the Islamic home financing preference. Consumer attitude also mediates the effects of service quality, product choice and Islamic debt policy on the Islamic home financing preference. Research limitations/implications: Several limitations warrant future research. First, this study considers only a specific user group in one public university. Second, this study does not consider attitude as a moderator. Third, this study suffers from the limited number of factors used. These limitations, however, provide directions for future research. Practical implications: Our results will add value to the consumer preference topic for Islamic home financing literature. The present study provides bank managers with valuable insights into better planning of Islamic home financing services in Malaysia. Originality/value: This study is a pioneering effort at exploring consumer attitude and preference from the context of Islamic mortgage sector in Malaysia. The use of PLS analysis provides another important contribution to the literature in this area. � 2017, � Emerald Publishing Limited. - Some of the metrics are blocked by yourconsent settings
Publication Malaysian consumers' willingness to choose Islamic mortgage products: An extension of the theory of interpersonal behaviour(Emerald Group Publishing Ltd., 2016) ;Amin H. ;Abdul-Rahman A.-R. ;Abdul-Razak D. ;Faculty of Economics and Muamalat ;Universiti Malaysia Sabah (UMS) ;International Islamic University Malaysia (IIUM)Universiti Sains Islam Malaysia (USIM)Purpose: The purpose of this paper is to understand consumers’ willingness to choose Islamic mortgage products as a way to help Islamic banks tap into the Islamic mortgage sector in Malaysia. Design/methodology/approach: Using the Theory of Interpersonal Behaviour as a point of departure, this study proposes a framework that examines factors influencing consumers’ willingness to choose Islamic mortgage products. A total of 282 usable surveys are obtained from customers of Islamic banks and the data were analysed using partial least squares. Findings: The results indicate that affect, social factors, and facilitating conditions influence willingness to choose Islamic mortgages. Besides these factors, the added factors, namely, perceived risk and perceived financial benefit, significantly influence consumers’ willingness to choose Islamic mortgages. Research limitations/implications: This study is confined to two public universities in Malaysia. Further testing of the proposed model across different population groups is necessary to determine the generalisability of this study’s findings. This study applies consumer factors such as affect, social factors, facilitating conditions, perceived risk and perceived financial benefit. Further testing on other factors is needed to expand the findings in this area. Practical implications: The results could help bank managers make improved decisions about the factors which they need to effectively market Islamic mortgage products. This study provides insights and guidance for bank managers to manage Islamic mortgage products. Originality/value: The main contribution of this paper is a proposed framework of consumers’ willingness to choose Islamic mortgage products which takes into account the key factors necessary to predict consumers’ demand.