Choice criteria for Islamic home financing: Empirical investigation among Malaysian bank customers
Choice criteria for Islamic home financing: Empirical investigation among Malaysian bank customers
复制标题
伊斯兰住房融资的选择标准：对马来西亚银行客户的实证调查
DOI：
10.1108/17538270810895105
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发表时间：
2008
期刊：
影响因子：
--
通讯作者：
Hanudin Amin
中科院分区：
文献类型：
--
作者：
Hanudin Amin
目的-本文的目的是调查马来西亚伊斯兰银行选择伊斯兰住房融资的标准。最重要的是，这项研究考虑为伊斯兰住房融资建立一个特定的选择标准。此外，这些选择标准也将根据选定的人口统计因素，如性别、婚姻状况和年龄范围进行排名。设计/方法论/方法--这项研究使用的是定量研究，类似于以前的研究人员所采用的方法。这项研究提供了通过自我管理的问卷收集的基本数据，调查对象是马来西亚拉布安的150名马来西亚银行客户。在这些问卷中，有141份问卷得到了回复，回复率相当于94%。马来西亚银行客户认为的伊斯兰住房融资选择标准使用频率、独立样本结果进行了分析--结果表明“研究限制/影响--本研究包含三个限制。第一个限制是基于研究的样本区，该样本区仅限于马来西亚拉布昂。其次，这项研究限制了因子分析的使用，因为数据不允许汇总。第三，这项研究也无法对宗教差异进行方差分析，因为样本主要是穆斯林。实际意义--这一结果主要对马来西亚的学者和从业者有利，因为它提供了对伊斯兰住房融资选择标准的洞察。这项研究提供了关于不同类型的客户类型及其在伊斯兰住房融资选择方面的偏好的新结果。因此，伊斯兰银行经理可以学习并计划为伊斯兰住房融资市场提供有吸引力的方案，以满足马来西亚银行客户的需求。对于研究者来说，本研究通过提供伊斯兰住房融资中的选择标准的调查，对现有的知识体系做出了贡献。事实上，这项研究被认为是伊斯兰住房融资选择标准的“大开眼界”，而这一标准限制了之前的研究。
Purpose - The purpose of this paper is to investigate the choice criteria for Islamic home financing in Malaysian Islamic banks. Most importantly, this study considers establishing a specific rank of choice criteria for Islamic home financing. Moreover, these choice criteria will also be ranked according to the selected demographic elements such as gender, marital status and age range. Design/methodology/approach - This study uses a quantitative study similar to what was employed by previous researchers. The study presents primary data collected by self-administered questionnaires involving a sample of 150 Malaysian bank customers in Labuan, Malaysia. Of these, 141 questionnaires were returned with a response rate equivalent to 94 per cent. The Islamic home financing choice criteria as perceived by the Malaysian bank customers are analysed using frequencies, independent samples Findings - The results suggest that “ Research limitations/implications - The study contains three limitations. The first limitation was based on the sample area for the study which is confined to Labuan, Malaysia. Second, this study restricted the use of factor analysis since the data did not allow for aggregation. Third, this study was also unable to perform ANOVA for religion differences as the sample consisted largely of Muslims. Practical implications - The results are primarily beneficial to academics and practitioners in Malaysia by offering an insight into choice criteria for Islamic home financing. This study provides new results about different kinds of customer types and their preferences with regards to Islamic home financing selection. As such, Islamic bank managers can learn and plan to offer attractive schemes for the Islamic home financing market that meet Malaysian bank customers' needs. For the researcher, this study contributes to existing body of knowledge by providing an investigation of choice criteria in the Islamic home financing. Indeed, this study is considered an “eye-opener” for Islamic home financing choice criteria which has limited previous studies.