Drivers of intention to use Murabaha financing: religiosity as moderator
Drivers of intention to use Murabaha financing: religiosity as moderator
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DOI：
10.1108/jima-07-2019-0147
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发表时间：
2020-12-01
影响因子：
3.2
通讯作者：
Foroughi, Behead
中科院分区：
文献类型：
--
作者：
Atal, Nacieeb Ullah;Iranmanesh, Mohammad;Foroughi, Behead
PurposeThe purpose of this paper is to investigate the determinants of Muslims' attitude and intention to Murabaha financing by considering religious as a moderator.Design/Methodology/ApproachThe data were collected through a survey of 373 Muslims in Afghanistan and were analysed using the partial least squares technique.FindingsThe results showed that social influence and religious obligations have a positive effect on attitude to Murabaha financing.此外，社会影响力和态度对使用Murabaha融资的意图有积极影响。温和的负面影响的社会影响的态度Murabaha financing.Practical implicationsManagers和营销人员的伊斯兰银行可能会受益于本研究的结果，这提供了深入了解的因素，应考虑促进Murabaha financing.Originality/valueThe研究结果有助于文献上的伊斯兰金融产品，通过展示的驱动程序的态度和意图使用Murabaha融资。该研究还通过测试宗教信仰的调节作用扩展了文献。此外，本研究通过引入宗教义务作为态度的潜在驱动力和宗教虔诚作为调节剂，扩展了伊斯兰融资背景下的理性行动理论。
PurposeThe purpose of this paper is to investigate the determinants of Muslims' attitude and intention towards Murabaha financing by considering religiosity as a moderator.Design/methodology/approachThe data were collected through a survey of 373 Muslims in Afghanistan and were analysed using the partial least squares technique.FindingsThe results showed that social influence and religious obligation have a positive effect on attitude towards Murabaha financing. Furthermore, social influence and attitude have a positive effect on the intention to use Murabaha financing. Religiosity moderates negatively the impact of social influence on attitude towards Murabaha financing.Practical implicationsManagers and marketers of Islamic banks may benefit from the findings of this study, which provide insight into the factors that should be considered to promote Murabaha financing.Originality/valueThe findings contribute to the literature on Islamic financing products by demonstrating the drivers of attitude towards and intention to use Murabaha financing. The study also extends the literature by testing the moderating role of religiosity. Furthermore, the study extends the theory of reasoned action in the context of Islamic financing by introducing religious obligation as a potential driver of attitude and religiosity as a moderator.