Islamic mortgage adoption: examining the moderating effects of Islamic altruism

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Khadijah M. Sayuti ◽  
Hanudin Amin
Keyword(s):  
Analytical Framework ◽  
Subjective Norm ◽  
Behavioural Control ◽  
Future Research ◽  
Price Fairness ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
East Malaysia ◽  
Bank Managers ◽  
Tpb Model

Purpose Using the theory of planned behaviour (TPB) as an analytical framework, this paper aims to investigate the direct effects of attitude, subjective norm, perceived behavioural control, price fairness and Islamic altruism. It also explores how these path linkages can be moderated by Islamic altruism. Design/methodology/approach Data are gathered via survey questionnaires on 287 Muslim bank customers in major cities of East Malaysia. The data are then tested using partial least squares. Findings The results show that attitude, subjective norm, perceived behavioural control, price fairness and Islamic altruism are significantly influenced by Muslim bank customers’ intention to choose Islamic home financing products. Islamic altruism is also found to significantly moderate the relationship between price fairness and behavioural intention. Research limitations/implications Three limitations are available for future research that include the geographical restriction, respondents’ selection and a limited number of battery items used. Practical implications Essentially, the results of this study serve as a guide for Islamic bank managers or mortgage providers to improve their pertinent marketing strategies, which are vital to enhancing the acceptance rate of Islamic mortgage. Originality/value This study extends the TPB model by incorporating price fairness and Islamic altruism into the Islamic home financing context.

Integrating the effects of price fairness and Islamic altruism with the TPB model

2019 ◽  
Vol 13 (5) ◽  
pp. 791-807
Author(s):  
Khadijah M. Sayuti ◽  
Hanudin Amin
Keyword(s):  
Design Methodology ◽  
Subjective Norm ◽  
Behavioural Control ◽  
Price Fairness ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
Number Of Factors ◽  
Bank Managers ◽  
Tpb Model ◽  
Practical Implications

Purpose The purpose of this study is to examine the impacts of price fairness and Islamic altruism on the Islamic mortgage adoption along with theory of planned behaviour’s (TPB’s) constructs (i.e. attitude, subjective norm and perceived behavioural control). Attitude is also analysed as a mediator in this study. Design/methodology/approach Using TPB as a baseline theory, this study analyses the Islamic mortgage adoption involving a total of 281 Muslim consumers in Malaysia using partial least squares. Findings The results indicate that attitude, subjective norm, perceived behavioural control and price fairness significantly influence Muslim bank customers’ intention to choose Islamic home financing products. Other interesting findings are also provided. Research limitations/implications This study contains three limitations that include the geographical constraint, respondents’ selection and the limited number of factors used. Practical implications The results obtained can serve as a guideline for bank managers or marketers to generate better strategies, which are dynamic to improve the acceptance rate of Islamic mortgage. Originality/value This study extends the TPB flexibility to integrate with price fairness and Islamic altruism in the Islamic mortgage adoption context.

Understanding students' future intention to engage in sustainability accounting: the case of Malaysia and the Philippines

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Teresa Eugenio ◽  
Pedro Carreira ◽  
Nina Miettinen ◽  
Isabel Maria Estima Costa Lourenço
Keyword(s):  
Higher Education ◽  
Environmental Sustainability ◽  
Role Models ◽  
Subjective Norm ◽  
The Philippines ◽  
Behavioural Control ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
Sustainability Practices ◽  
Sustainability Accounting

PurposeThe study investigates whether the level of sustainability concerns of Higher Education Institutions (HEIs) in Malaysia and the Philippines is positively associated with accounting students' intentions to engage in sustainability accounting through its effect on students' attitude, subjective norm and perceived behavioural control regarding environmental sustainability practices.Design/methodology/approachThis empirical study relies on a structural equation model computed using data collected through a questionnaire and data collected from the HEIs websites.FindingsThe findings show that the willingness to engage in sustainability accounting is determined by students' subjective norm and perceived behavioural control, but it is not determined by attitude regarding environmental sustainability practices. The authors also found that the greater the concern with sustainability of the HEI in which a student is enrolled, the greater his/her attitude, subjective norm and perceived behavioural control towards environmental sustainability, and, indirectly, the greater his/her intention to engage in sustainability accounting.Originality/valueThese findings add to the literature on higher education and sustainability accounting by high-lighting the importance of the HEIs sector in promoting sustainability policies and practices, in acting as role models regarding sustainability issues, and in preparing students for building a sustainable society.

scholarly journals Does Halal image strengthen consumer intention to patronize Halal stores?

2016 ◽  
Vol 7 (1) ◽  
pp. 120-132 ◽  
Author(s):  
Norazah Mohd Suki ◽  
Abang Sulaiman Abang Salleh
Keyword(s):  
Sampling Technique ◽  
Subjective Norm ◽  
Behavioural Control ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
Theoretical Contribution ◽  
Foreign Companies ◽  
Image Dimension ◽  
Self Administered Questionnaire ◽  
Main City

Purpose – The purpose of this study is to examine the influence of Halal image, attitude, subjective norm and perceived behavioural control on consumer behavioural intention to patronize Halal stores in Malaysia. Design/methodology/approach – A self-administered questionnaire was disseminated to members of the general public in Kuching, the main city of Sarawak, Malaysia, via a convenient sampling technique. In total, 548 valid samples were usable for data analysis. Correlation analysis was used to test the model. Findings – Empirical results revealed that consumers’ intention to patronize Halal stores is influenced by attitude, perceived behavioural control, subjective norm and Halal image. Muslim consumers develop a favourable attitude towards stores that display a Halal image, are pleased to know that each item available in these stores is a confirmed Halal product and decide to re-patronize those stores in their practice of Islamic teachings. Practical implications – Marketing managers should focus on developing a positive image of their stores to attract Muslim consumers. For foreign companies, this means that managements should be respectful of the Shariah law in their business transactions and create an image of their brands which is in accordance with Halal requirements to increase the confidence among Muslim customers to patronize their products and stores. Originality/value – The main theoretical contribution relates to the inclusion of the halal image dimension as a variable in the matter of consumer intention to patronize Halal stores in Malaysia.

scholarly journals Age Differences on the Intention to Save in a Voluntary Retirement Fund

2019 ◽  
Vol 8 (3S2) ◽  
pp. 776-785
Keyword(s):  
Age Differences ◽  
Theory Of Planned Behaviour ◽  
Age Groups ◽  
Subjective Norm ◽  
Subjective Norms ◽  
Behavioural Control ◽  
Future Research ◽  
Perceived Behavioural Control ◽  
Retirement Fund ◽  
Self Administered Questionnaire

The Theory of Planned Behaviour (TPB) posited that an individual’s intention of performing a behaviour depends on their attitude, subjective norm and the perceived behavioural control (PBC). Employing the theoretical construct of the TPB, this study aims to investigate if age moderatesthe effect of attitude, subjective norms and perceived behavioural control towards saving intention in the voluntary retirement fund in Malaysia. A quantitative approach was adopted with data collected through a nationwide self-administered questionnaire. Through a multistage proportionate stratified sampling, 384 response was collected. The multi-group permutation results confirm the differences between age groups regarding subjective norms towards the intention to save in a voluntary retirement fund in Malaysia. In the concluding remark, the implication of the study and an avenue for future research in voluntary retirement saving domain is discussed.

scholarly journals Receptiveness of Islamic Home Financing among Malaysians: A Revisit

2020 ◽  
Vol 21 (2) ◽  
pp. 784-802
Author(s):  
Khadijah Muhammad Sayuti ◽  
Hanudin Amin ◽  
Dzuljastri Abdul Razak ◽  
Hamid Rizal
Keyword(s):  
Theory Of Planned Behaviour ◽  
Subjective Norm ◽  
Behavioural Control ◽  
Islamic Banks ◽  
Key Factors ◽  
Perceived Behavioural Control ◽  
Effective Strategies ◽  
Bank Managers ◽  
First Time ◽  
House Buyers

This study examines the effects of the key factors influencing the intention of first-time house buyers to choose Islamic home financing products. First-time house buyers are selected since they are the major segment of Islamic banks' profit for the Islamic mortgage sector. Drawing upon the theory of planned behaviour (TPB), this study proposes a model to test the effects of attitude, subjective norm and perceived behavioural control on the intention of selecting Islamic home financing. This study also examines the effect of "perceived customer taqwa” on customer receptiveness to Islamic home financing. Based on 150 usable questionnaires, PLS results indicate that attitude and perceived behavioural control of the TPB are instrumental in determining the receptiveness of Islamic home financing products. Besides, the added factor, namely, perceived customer taqwa is influential in explaining the receptiveness- implying that God-fearing and God-conscious in oneself resulted in strong intention to opt for halal products. The findings demonstrate that the enhancement of measurement items for TPB factors as well as generation of new factor reflecting Islamic home financing are relevant in determining one’s decision of Islamic home financing. Besides, the findings could offer support to Islamic bank managers to enhance their planning for Islamic home financing products and develop effective strategies accordingly that benefit their customers.

scholarly journals Consumer acceptance of Islamic home financing

2014 ◽  
Vol 7 (3) ◽  
pp. 307-332 ◽  
Author(s):  
Hanudin Amin ◽  
Abdul Rahim Abdul Rahman ◽  
Dzuljastri Abdul Razak
Keyword(s):  
Demographic Factors ◽  
Probit Model ◽  
Subjective Norm ◽  
Consumer Acceptance ◽  
Ordered Probit ◽  
Ordered Probit Model ◽  
Content Type ◽  
Academic Qualification ◽  
East Malaysia ◽  
Tpb Model

Purpose – This study aims to examine the factors influencing the consumer acceptance on Islamic home financing products amongst clients of Islamic banks. For the purpose, the study extends the theory of planned behaviour (TPB) in explaining the Islamic home financing adoption along. Further, the study also intends to analyze the effects of “Islamicity of product” and seven demographic factors on the consumer acceptance of Islamic home financing products. Design/methodology/approach – Using the TPB model as a baseline theory, data are collected from bank customers in East Malaysia involving two cities, namely, Kota Kinabalu and Labuan, using self-administered questionnaires. A total of 300 questionnaires are distributed; however, only 278 are found usable. We use ordered probit model to analyze the effects of attitude, subjective norm, perceived behavioural control, Islamicity of product and demographic factors. Findings – Using the ordered probit model, this study finds that attitude, subjective norm, perceived control and Islamicity of product are instrumental in determining the consumer acceptance of Islamic home financing products. Concerned with demographic items, the study finds that marital status, ethnic, occupation and religion are influential. It is also discovered, however, that gender, academic qualification and monthly income have little effects on the consumer acceptance. Research limitations/implications – Three limitations are available for future studies. First, the current work does not include the experienced users who patronize Islamic home financing products. Second, the contribution of the present study is confined to the analyzed explanatory variables. Third, this study also has geographical constraint in which it is conducted in East Malaysia whilst samples from West-Malaysia are overlooked. These limitations, however, provide directions for further future research. Practical implications – Essentially, this study is a pioneering effort in applying the TPB model to the new context of Islamic home financing products in Malaysia. The study integrates the effects of Islamicity of product and demographic factors on the consumer acceptance on Islamic home financing products. The TPB model is proven valid and is reliable in predicting the consumer acceptance on Islamic home financing products. Originality/value – This study introduces Islamicity of product and demographic factors in explaining the consumer acceptance on Islamic home financing products. Most fundamentally, this study proposes a modified theoretical framework that is of paramount importance to predict the demand of Islamic home financing products in the future.

Predicting intention of business students to behave ethically in the Indian context: from the perspective of Theory of Planned Behaviour

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Geeta Marmat
Keyword(s):  
Business Ethics ◽  
Theory Of Planned Behaviour ◽  
Business Schools ◽  
Business Students ◽  
Subjective Norm ◽  
Behavioural Intention ◽  
Behavioural Control ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
Indian Context

PurposeThe purpose of this paper is to understand business students' intention to behave ethically in general, and in particularly in the business context of a developing country, India.Design/methodology/approachThe paper surveyed 250 final semester MBA students from different business schools in Indore city of Madhya Pradesh in India. The study employed the most popular behavioural theory, the Theory of Planned Behaviour (TPB) to understand the intention of business students to behave ethically. Structural equation modelling was used to analyse direct effects of the constructs on behavioural intention, and the overall model.FindingsFindings revealed that attitude, subjective norm and perceived behavioural control are positively related and have strong influence on ethical behavioural intention of business students. All constructs together explain 67 percent variance in intention. Attitude alone contributes 46 percent in explaining variance in ethical behavioural intention.Research limitations/implicationsBusiness ethics field can benefit from this study as it provides an empirical explanation of the contribution of each factor that is, attitude, subjective norms and perceived behavioural control, in ethical behavioural intention of business students. This is directly beneficial for business schools and for education policymakers as the information can help policymakers to understand the potential of existing business ethics education. This study is limited to a data set of 250 business students in the context of a single country which cannot be generalized. So, there is need for research of this type in a more collaborative international context.Originality/valueTo the best of my knowledge, this is the first study in the Indian context to predict the intention of business students to behave ethically, using the TPB model. This study contributes valuable knowledge to the domain of business ethics, behavioural studies as well the field of business education, and suggests to explore ways to strengthen the three constructs attitude, subjective norm and perceived behavioural control, as these constructs were found to have a strong influence in forming ethical behavioural intention of business students of business schools in India.

Buy Muslim-made first – does halal consciousness affect Muslims’ intention to purchase?

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Siti Hasnah Hassan ◽  
Norizan Mat Saad ◽  
Tajul Ariffin Masron ◽  
Siti Insyirah Ali
Keyword(s):  
Purchase Intention ◽  
Subjective Norm ◽  
Marketing Strategies ◽  
Behavioural Control ◽  
Content Type ◽  
Perceived Behavioural Control ◽  
Intention To Purchase ◽  
The Relationship ◽  
Self Administered Questionnaire ◽  
Potential Customers

Purpose Buy Muslim’s First campaign started with the primary aim of urging the Muslim community to be more vigilant about halal or Shariah-compliant products, leading to a number of halal-related issues, triggered by the exploitation or misuse of the halal logo in Malaysia. The purpose of this study is to gain an understanding of the purchase intention for Muslim-made products by applying the theory of planned behaviour (TPB). Halal consciousness was integrated as a moderating influence on the purchase intention of Muslim-made products. Design/methodology/approach Data collection was performed through a self-administered questionnaire which was distributed through convenience sampling method. Therefore, a useful sample comprising 152 Malay Muslim participants aged over 18 was collected. For hypothesis testing, hierarchical multiple regression analysis was implemented. Findings It was found that the participants’ attitudes towards the purchase of Muslim-made products and their perceived behavioural control significantly influenced their purchase intention, but the subjective norm did not impact this intention. Furthermore, halal consciousness moderated the relationships among all the independent and dependent variables. Halal consciousness moderated the relationship between participants’ attitudes towards Muslim-made products and their perceived behavioural control towards the purchase intention; however, this moderation did not occur through the subjective norm and the purchase intention. Research limitations/implications As the findings of this study were limited to the Muslim population in Malaysia, it might be difficult to generalize for other nations that have no similarities with the Malaysian Muslim culture. Practical implications The findings of this study may support Muslims to implement more effective marketing strategies that attract the target customers to purchase Muslim-made products. Effective promotion may attract potential customers as well. Originality/value The halal consciousness among Muslim consumers is important for the moderation and prediction of consumers’ intention to purchase Muslim-made products.

scholarly journals Compliance Intention to Pay Zakat on Salary

2020 ◽  
Vol 5 (2) ◽  
pp. 37-50
Author(s):  
Najwa Mohd Khalil ◽  
Hanudin Amin ◽  
Nur Shahirah Azman
Keyword(s):  
Theory Of Planned Behaviour ◽  
Subjective Norm ◽  
Behavioural Control ◽  
Public Servants ◽  
Planned Behaviour ◽  
Perceived Behavioural Control ◽  
Post Hoc Analysis ◽  
East Malaysia ◽  
Post Hoc ◽  
The Relationship

ABSTRACT This study examines the effects of attitude, subjective norm, perceived behavioural control and taqwa on compliance intention to pay zakat on salary in East Malaysia. A deductive approach is employed to examine young public servants' compliance intention to contribute to zakat payment on their salary. The model is tested using survey data from 202 respondents in Kota Kinabalu, Sabah, East Malaysia. The results obtained indicate that attitude, subjective norm and perceived behavioural control are significantly related to the compliance intention. Besides these factors, taqwa is also significant. Besides, the post hoc analysis indicates that attitude can play a role as a mediating variable for the relationship between taqwa and compliance intention.  This study improves the generalisation of the theory of planned behaviour (TPB) to include zakat payment, where Islamic altruism is brought into play. Our findings are of the essence to provide valuable insights for zakat authority to manage zakat payers effectively by considering new millenials as new zakat payers' base and patronage factors as captured in this study

scholarly journals Consumer behaviour of Islamic home financing

Humanomics ◽  
2017 ◽  
Vol 33 (4) ◽  
pp. 517-548 ◽  
Author(s):  
Hanudin Amin
Keyword(s):  
Consumer Behaviour ◽  
Future Research ◽  
Contributing Factors ◽  
Content Type ◽  
Proposed Model ◽  
East Malaysia ◽  
Bank Managers ◽  
Practical Implications ◽  
Good Behaviour ◽  
Perceived Religiosity

Purpose The purpose of this study is to examine the contributing factors that affect consumer behaviour of Islamic home financing in Malaysia. The effects of perceived religiosity on property, perceived Islamic debt principle and perceived maqasid on homeownership on consumer behaviour are examined. Furthermore, the effects of perceived religiosity and consumer behaviour on religious satisfaction are also investigated. Design/methodology/approach Using the theory of Islamic consumer behaviour (TiCB) as a baseline theory identified from the literature, this study proposes a conceptual model of consumer behaviour of Islamic home financing in Malaysia. Data from the 205 usable questionnaires are analysed using partial least squares (PLS). Findings The PLS results suggest that perceived religiosity on property, perceived Islamic debt principle and perceived maqasid on homeownership are instrumental in determining consumer behaviour, thus revealing these factors as “Islamic factors” that represent the TiCB. Furthermore, the effect of consumer behaviour on religious satisfaction is also significant, implying that good behaviour makes people happier – seeking pleasure for doing well that is blessed and approved by Allah (S.W.T). Research limitations/implications Two limitations are available for future studies. First, this study included only Malaysians in East Malaysia, suggesting that further testing of the proposed model should be conducted across different geographies to determine the generalisability of this study’s findings. Second, this study’s contributions are narrowed down to the factors examined. These limitations, however, provide directions for further future research. Practical implications The results provide directions to bank managers to effectively manage Islamic home financing services for the benefit of their customers. Islamic home financing products tend to be used by consumers if the patronage factors investigated are considered more profoundly. Originality/value This study examines the behaviour of consumers of Islamic home financing using the proposed framework derived from TiCB.

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