The Bank Choice Behaviour Among Malaysian Muslims: A Qualitative Approach

Adnan, Ahmad Azrin and Mohd Nasir, Noor Azeanti and Mohd Yusof, Dalfiza (2013) The Bank Choice Behaviour Among Malaysian Muslims: A Qualitative Approach. In: International Management Conference (IMaC), 14-15 December 2013, Universiti Sultan Zainal Abidin.

Text (Islamic consumer behavior, muslims, islamic banki ng)
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This paper aims to understand the key motivations for Islamic bank patronage among Muslims using in-depth interviews and non-participant observation. This research used in-depth interviews and non-participant observation of Muslim customers of Islamic banks located in Terengganu, t he earliest state to receive Islam in Malaysia and is well-known in adopting the Islamic governance system. 15 customers were determined to comprise the resultant sampling frame. The identified factors developed the four themes of customer profiling: i. ability (taufeeq) and guidance(hidayah); ii. guidance(hidayah) without ability (taufeeq); iii. ability (taufeeq) without guidance (hidayah); and iv. no ability (taufeeq) and guidance (hidayah). The “completeness of prayer” factor is a new discovery that could lead consumers to demonstrate an ideal behaviour according to Islamic teachings. Thus, the actual problem of the Islamic banking system especially among Muslims community is not the availability of shariah-compliant products or services, but the lack of shariah-adherent behaviour among Muslims.

Item Type: Conference or Workshop Item (Paper)
Keywords: Islamic consumer behavior, muslims, islamic banking
Subjects: H Social Sciences > HG Finance
Faculty / Institute: Faculty of Economics & Management Sciences
Depositing User: Prof Madya Ahmad Azrin Adnan
Date Deposited: 09 Nov 2014 08:32
Last Modified: 21 Apr 2015 11:24

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