Investigating Factors Affecting the Intention to Use Islamic Personal Financing

Authors

  • Nik Safiah Nik Abdullah Islamic Business School Universiti Utara Malaysia, Malaysia
  • Norazlina Abd Wahab Islamic Business School Universiti Utara Malaysia, Malaysia

DOI:

https://doi.org/10.32890/ijms2015.22.4

Keywords:

Islamic personal financing, intention, usage, shari’ah compliance, religiosity

Abstract

The purpose of this paper was to examine the main factors that influence consumers’ intention to use Islamic personal financing. A sample of 308 employees from Universiti Utara Malaysia was surveyed. Attitude, social influence, perceived behavioral control, religious obligation and religiosity were examined towards the intention to use Islamic personal financing. The results show that perceived behavioral control proved to be a strong predictor. The findings of this study provide key inputs to an Islamic bank for better planning of Islamic personal financing facilities.
 
Keywords: Islamic personal financing; intention; usage; shari’ah compliance; religiosity.
 

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Published

31-08-2015

Issue

Vol. 22 (2015): International Journal of Management Studies (IJMS) Vol. 22, Special Issue 2015

Section

Articles

Research impact

Harvested 2026-09-08
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Identifiers DOI 10.32890/ijms2015.22.4