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Islamic banking selection criteria: a multi-ethnic perspective

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dc.contributor.affiliationsFaculty of Economics and Muamalat
dc.contributor.affiliationsUniversiti Sains Islam Malaysia (USIM)
dc.contributor.affiliationsUniversity of Malaya (UM)
dc.contributor.authorNoradilah Binti Abdul Hadien_US
dc.contributor.authorMohd Rizal Muwaziren_US
dc.date.accessioned2024-05-29T02:02:32Z
dc.date.available2024-05-29T02:02:32Z
dc.date.issued2020
dc.description.abstractPurpose: The purpose of this paper is to examine selection factors among multi-ethnic customers in Malaysian Islamic banking industry. The information is important to reinforce the argument that ethnicity could become significant factor in determining customer behaviour. Design/methodology/approach: This study uses quantitative approach by using questionnaire (Likert scale) to measure respondents ranking of 25 selection factors. A total of 272 valid responses were generated from 450 questionnaires distributed, with 60.4% response rate. The methods of analysis used are descriptive analysis, factor analysis and Kruskal–Wallis test. Findings: The findings revealed five selection factors (religious and ethical, services and convenience, service quality and benefit, external and operational and charges), with religious and ethical factor as the most important criteria for Malay customers. As for Chinese and Indian customers, they chose services and convenience factor. Originality/value: This study is conducted to gain new insights on the perception of multi-ethnic banking customers in Malaysia towards Islamic banks and how cultural differences might affect their decisions. The findings are important for further development of the Islamic banking industry in Malaysia considering ethnicity has a major impact on the society. The acknowledgement of similarities and differences between the ethnic groups could strengthen the relationship with the Islamic banking customers. Furthermore, incorporation of ethnicity factor in bank’s marketing strategies is important to secure competitive advantage particularly in dual banking system such as in Malaysia.en_US
dc.identifier.doi10.1108/JIMA-02-2019-0033
dc.identifier.issn17590833
dc.identifier.scopus2-s2.0-85084454104
dc.identifier.urihttps://www.scopus.com/inward/record.uri?eid=2-s2.0-85084454104&doi=10.1108%2fJIMA-02-2019-0033&partnerID=40&md5=44e7881f4673534d5b969c32cb8dfbaa
dc.identifier.urihttps://oarep.usim.edu.my/handle/123456789/10219
dc.languageEnglish
dc.language.isoen_USen_US
dc.publisherEmerald Group Publishing Ltd.en_US
dc.relation.ispartofJournal of Islamic Marketingen_US
dc.sourceScopus
dc.subjectBank selection criteriaen_US
dc.subjectCultureen_US
dc.subjectEthnicityen_US
dc.subjectIslamic bankingen_US
dc.subjectIslamic financeen_US
dc.subjectMalaysiaen_US
dc.titleIslamic banking selection criteria: a multi-ethnic perspectiveen_US
dc.typeArticleen_US
dspace.entity.typePublication

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