scholarly journals Determinant of Customers’ Intention to Use Islamic Banking (Case Study in Jayapura City)

IKONOMIKA ◽  
2020 ◽  
Vol 5 (1) ◽  
pp. 55-70
Author(s):  
Ira Eka Pratiwi (IAIN Fattahul Muluk Papua, Indonesia) ◽  
Fachrudin Fiqri Affandy (IAIN Fattahul Muluk Papua, Indonesia) ◽  
Abdul Karman (IAIN Fattahul Muluk Papua, Indonesia)
Keyword(s):  
Social Influence ◽  
Reliability And Validity ◽  
Internal Consistency Reliability ◽  
Capital City ◽  
Islamic Banking ◽  
Intention To Use ◽  
Face To Face ◽  
Dependent Variables ◽  
Structured Questionnaire

This study investigates the influence of faith, social influence, regulation, and bank functions on the intention to use Islamic banking. The study used quantitative method and the data was collected using a structured questionnaire. The sample consisted of 200 customers of one of the largest Islamic bank in Indonesia: Bank Mandiri Syariah, which is located in Jayapura, the capital city of Papua Province. The data were obtained by random sampling using through a face-to-face survey. The internal consistency reliability and validity test indicated that all scale items were proven reliable and valid. The multiple regression linear was used to analyze the influence of independent variables toward dependent variables. This study suggested that faith significantly affected the customers intention to use Islamic banking. Meanwhile, social influence, regulation, and bank functions did not show a significant influence on customers’ intention to use Islamic banking.Key words : Islamic Banking; Faith; Social Influence; Regulation; Bank Function

Omani SME perceptions towards Islamic financing systems

2019 ◽  
Vol 11 (4) ◽  
pp. 369-386
Author(s):  
Yasmeen Al Balushi ◽  
Stuart Locke ◽  
Zakaria Boulanouar
Keyword(s):  
Banking Industry ◽  
Small And Medium Enterprises ◽  
Emerging Market ◽  
Capital City ◽  
Islamic Finance ◽  
Future Research ◽  
Islamic Banking ◽  
Content Type ◽  
Face To Face ◽  
Medium Enterprises

Purpose This paper aims to investigate small and medium enterprises’ (SMEs) owner–managers’ awareness, willingness and perceptions concerning Islamic financing instruments as an alternative sourcing decision in SMEs’ businesses. Design/methodology/approach The research employed mixed methods to gather data. A questionnaire survey was conducted via face-to-face interviews with 385 SME owner–managers operating in Muscat, Oman’s capital city, along with face-to-face discussion on Islamic finance with 86 SME owner–managers. Descriptive and thematic analysis were used to analyse the data. Findings The findings indicate that SME owner–managers are aware of Islamic banking principles and have knowledge of Islamic financial instruments, despite Islamic finance being new to Oman. Interestingly, although the majority of the participants indicated their intention to adopt this new finance method, they were motivated by special requirements other than finance. Their positive perception of Islamic financing methods could play a significant role in developing the Islamic banking industry. Research limitations/implications The research is limited in that its data came only from Omani SME owner–managers in Muscat. Future research could investigate wider samples. Secondly, the study’s findings lack generalisability to larger and public enterprises, because only SME owner–managers were surveyed. Practical implications This study will be important for policy makers concerned about SMEs’ financing, Islamic financial institutions and new entrants into the Islamic banking industry, as it provides empirically evidence of Omanis’ views, and more specifically those of Omani SME owner–managers, on the recent introduction of Islamic finance into the country. The insights this study offers should help them to develop the strategies required to attract SMEs and to construct policies and regulations to improve Oman’s Islamic banking industry. Originality/value The research is significant, as it is the first study to investigate the awareness, willingness and perceptions of Omani SMEs regarding Islamic banking in Oman. Even though all Omanis are Muslims, Oman was the last of the six-nation Gulf Cooperation Council countries to introduce Islamic finance. Thus, this emerging market provides an important basis from which to extend future research on Islamic finance to other potential Islamic finance markets.

scholarly journals Human Resources Challenges in Apparel Industry in Sri Lanka

2020 ◽  
pp. 45-55
Author(s):  
Dr. Indumathi Welmilla
Keyword(s):  
Sri Lanka ◽  
Human Resources ◽  
Thematic Analysis ◽  
Apparel Industry ◽  
Research Approach ◽  
Analysis Method ◽  
Case Study Method ◽  
Face To Face ◽  
Structured Questionnaire

This study aims to identify the human resources challenges existing in the apparel sector of Sri Lanka and provide recommendations to secure with managing the barriers to go ahead with future sustainability in the industry. The research approach is qualitative and followed the case study method. Face to face interviews was the method of collecting data by following a semi-structured questionnaire for the research, and the data analysis method was the thematic analysis. The finding demonstrates nine core human resources challenges in the apparel industry in Sri Lanka.

scholarly journals CUSTOMER’S AWARENESS TOWARDS THE ISLAMIC BANKING SYSTEM Case Study on Selected Banking in Duhok City- Kurdistan Region

2017 ◽  
Vol 5 (1) ◽  
pp. 230 ◽  
Author(s):  
Shivan A. Jameel
Keyword(s):  
Banking System ◽  
Service Level ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Quality Service ◽  
Kurdistan Region ◽  
Communication Plan ◽  
International Bank ◽  
Structured Questionnaire

Islamic banking system (IBS) is one of these sectors that affect the economy and it works with free interest rate. This study investigates the level of customer’s awareness toward IBS. The study was conducted on the two Islamic Banks only in Duhok city- Kurdistan Region. The data were collected using structured questionnaire and the sampling was random. Descriptive statistics and Statistical Package Social Science (SPSS V.20) were used to analyze the participants’ responses. The results indicated that customers of Cihan Islamic bank - Duhok and Kurdistan International Bank for Investment and Development are not fully aware of Islamic banking system. Therefore, the study suggests that for Islamic banks to remain active and competitive they need to develop quality-service level in order to supersede the conventional banking standards, invest in new products and services and also develop an effective communication plan by advertising and marketing in order to achieve Islamic customer needs and demands.

scholarly journals IDENTIFYING THE FACTORS DETERMINING OF MUSLIMS’ INTENTION TO ADOPT ISLAMIC BANKING IN THE LOCAL REGION: RELIGIOSITY AS MODERATING VARIABLE

2020 ◽  
Vol 8 (2) ◽  
pp. 482-487
Author(s):  
Isnurhadi ◽  
Zakaria Wahab ◽  
Fida Muthia ◽  
Abdul Bashir
Keyword(s):  
Social Influence ◽  
Local Region ◽  
Primary Data ◽  
Islamic Banking ◽  
Intention To Use ◽  
Islamic Banks ◽  
Muslim Community ◽  
Intention To Adopt ◽  
Factors Influencing ◽  
Independent Variable

Purpose of the study: This paper investigates factors that influence the Muslims’ intention to adopt Islamic banking and to examine whether religiosity moderates the effect of those factors toward the Muslim's intention to adopt Islamic banking in South Sumatera. Methodology: Primary data collected from six towns/districts in South Sumatera are obtained through questionnaires with the total respondents of 300. Using multiple regression analysis, we test whether attitude, social influence, bank reputation, and compliance on Islamic principles can affect the Muslims’ intention in using Islamic banking. Main Findings: We further crosscheck our findings through an interview with some of the respondents. We find that attitude, reputation, and compliance affect the intention to adopt Islamic banking significantly, whereas social influence is found to be insignificant. Our further finding explains that religiosity, which is represented by the dimension of Syariah and Ahlaq, cannot moderate the effect of an independent variable on the dependent variable. Implications of this study: This implies that in increasing Islamic bank market share, managers of Islamic banks and also government cannot solely depend on religious factors. Our findings give insights to practitioners and regulators on what factors can affect Muslims’ intention to use Islamic banking. Novelty/Originality of this study: This study contributes as it extends the existing literature, any factors influencing the interest and intention of the Muslim community to adopt sharia banking as their banking activities. Some studies look at the direct effect of religiosity toward Islamic banking, however, it is different from previous studies because we put religiosity as a moderating variable.

scholarly journals Factors Influencing Customers Loyalty Towards Islamic Banking: A Case Study in Gombak, Selangor

2020 ◽  
Vol 15 (1) ◽  
pp. 11-20
Author(s):  
Farhan Lukman Rahman ◽  
Wan Mohd Farid Wan Zakaria ◽  
Wan Muhd Faez Wan Ibrahim ◽  
Syed Khusairi Tuan Azam ◽  
Mohd Hafizan Musa
Keyword(s):  
Islamic Law ◽  
Banking System ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Basic Principles ◽  
Independent Variables ◽  
Customer's Loyalty ◽  
Industry Needs ◽  
Structured Questionnaire

The Islamic banking system governs two (2) basic principles which are mutual sharing of profit or loss and the prohibition of the collection and payment of interest. These basic principles are important to the establishment of an Islamic bank. Islamic law prohibits any activities that involve interest, gambling and speculative. Having great competition with foreign and conventional bank, Islamic banking industry needs variety of services and products to be offered to attract customers which is in compliance with shariah law. Thus, the main objective of this study is to examine the factors that influence customer’s loyalty towards Islamic banking. The independent variables include shariah compliant, product quality, service quality, and convenience. This study is conducted using structured questionnaire and were personally administrated across 303 respondents in Gombak, Selangor. This study is significantly important for the industry to find out the explanations and motive of customer’s loyalty in Islamic banks. Eventually, it will help the industry to establish a better services and products for the customers.

scholarly journals Employees’ Perceptions on Effective Communication Channels – A Case Study From Albanian Banking Sector

2019 ◽  
Vol 16 (1) ◽  
pp. 117-125
Author(s):  
Sllavka Kurti ◽  
Petrit Dollani
Keyword(s):  
Banking Sector ◽  
Time Pressure ◽  
Banking System ◽  
Effective Communication ◽  
Communication Tool ◽  
Face To Face ◽  
Communication Flow ◽  
E Mail ◽  
Structured Questionnaire

Abstract Research purpose. This paper aims at identifying and evaluating the means of communication used and the perceived barriers from employees of the banking system in Albania. The following research questions were formulated: (a) What are the means of communication used in vertical and horizontal communications? (b) Which mean is preferred and valued as the most effective? (c) Which are the barriers that hinder the effective communication flow in these organizations? Design/Methodology/Approach. A structured questionnaire was addressed to 120 employees of 3 different commercial banks in Tirana, Albania, out of which 100 fully answered questionnaires were received. The questionnaire is divided into three main parts, each of which has two subcategories, and the valuation used for each question is according to the Likert scale from 1 (very few) to 5 (a lot). Findings. E-mail is the most used communication tool vertically, whereas phone and e-mail are added at the horizontal one. Employee preferences are mostly for e-mail and face-to-face communication vertically and phone and e-mail horizontally. Time pressure and overload of information are perceived as main barriers vertically, whereas distractions are mentioned as biggest hindrance horizontally. Originality/Value/Practical implications. We suggest that the managers of organizations in the banking sector should properly consider these two communication tools and create suitable conditions for their use. The employees themselves use more of those tools as, according to their perception during communication with colleagues, those tools improve their effectiveness. Other similar studies might be conducted in different types of organizations to point out similarities and contrasts with banking sector.

scholarly journals ANALYSIS OF ENVIROMENT CONDUCIVE FOR ISLAMIC BANKING & FINANCE: A CASE OF TANDO ALLAHYAR

2012 ◽  
Vol 8 (1) ◽  
Author(s):  
Abdul Qadir Patoli ◽  
Keyword(s):  
Vital Role ◽  
Primary Data ◽  
Islamic Banking ◽  
Data Set ◽  
Banking Services ◽  
Banking And Finance ◽  
The Business Cycle ◽  
Practical Implications ◽  
Structured Questionnaire

Purpose:- This study is aimed at analyzing the environment conduciveness for Islamic Banking & Finance in the rural region of Sindh. A case study is being conducted to analyze such a situation through observations from respondents of Tando Allahyar Taluka, Sindh. Methodology/sample:- This pure and qualitative study called for primary data, collected through a structured questionnaire, from the residents of Tando Allahyar Taluka of Sindh. The observations converted into a discrete data set and analyzed statistically on descriptive statistics and sample T-Testing for measuring the significance of sample. Findings:-The outcome of the study remained as per expectations that lack of awareness and prevalence of Ambivalence are found prominent in case of Islamic Banking and Finance. Which provides an insight for the environment is conducive for banking, rather than Islamic banking & finance. It was also observed that the majority of the earning population is using Banking services, but rarely are using finances, just because of the interest factor. Practical implications:- Islamic mode of banking & finance can play a vital role in bridging the gap of conventional banking & finance and derive the need of religion-centered people towards such banking & finance circle, so that it can further the business cycle of the economy and enhance profitability. Research limitations:- The results of the study are restricted to the educated part of rural population and cannot be inferred for all population. The result of the study is also restricted to the urbanized area of rural Sindh.

The Perspectives of Iranian EFL Teachers on the Integration of ICT into their Teaching Practices

2015 ◽  
pp. 94-119
Author(s):  
Parivash Mozafari ◽  
David Wray
Keyword(s):  
Thematic Analysis ◽  
Capital City ◽  
Structured Interviews ◽  
Face To Face ◽  
Depth Data ◽  
Efl Teachers ◽  
Information And Communication ◽  
Multiple Case ◽  
The Individual

This chapter reports the findings of a multiple-case study that was carried out during October-January 2013 held with 9 Iranian EFL teachers -five male, four females- from across 6 schools in the capital city of Tehran. Underpinned by a socio-cultural epistemology and utilising an interpretivist qualitative paradigm, this study aimed to explore participants' perspectives on the integration of computer and other ICT (information and communication technology) tools into their teaching. The focus was the individual and contextual factors which had influenced and shaped the perceptions and practices of these teachers. In so doing, in-depth data was collected based on a total of 36 face to face individual semi- structured interviews that were guided by 27 observations of classroom practices. Thematic analysis of the data indicated that ICT uptake by participants was seriously hampered by several interacting and interrelated areas that influenced participants' perspectives and practices.

scholarly journals Access to Sharia Financing for Micro Enterprises: Case Study of Micro Enterprises in Semarang, Indonesia

2021 ◽  
Vol 31 (5) ◽  
pp. 1247
Author(s):  
Mutoharoh Mutoharoh ◽  
Kiryanto Kiryanto
Keyword(s):  
Random Sampling ◽  
Quantitative Research ◽  
Dominant Role ◽  
Industrial Sector ◽  
Primary Data ◽  
Islamic Banking ◽  
Surrounding Areas ◽  
Micro Enterprises ◽  
Structured Questionnaire

Islamic banking by its principle is expected to play a dominant role compared to other funding providers to finance micro enterprises, which are the real industrial sector. This study aims to explain the perceptions of micro business actors based on their experience in accessing Islamic financing. This is a descriptive quantitative research that relies on the sample selected using purposive random sampling to obtain respondents who meet the criteria that support the research objectives. Primary data were collected through a structured questionnaire to owners and managers of micro-businesses in the Semarang and surrounding areas. A total of 184 data were obtained and processed with the help of statistical tools that is SPSS 22.0. Therefore, it is concluded that access to Islamic financing in terms of product, requirements, and services variables was quite good based on micro business actors’ view. Keywords: Access of Financing; Micro Enterprises; Islamic Bank.

scholarly journals Determinants of Profitability of Islamic Banks of Pakistan – A Case Study on Pakistan’s Islamic Banking Sector

2017 ◽  
Vol 1 (1) ◽  
pp. 61-73 ◽  
Author(s):  
Muhammd Asadullah
Keyword(s):  
Banking Sector ◽  
Negative Impact ◽  
Islamic Banking ◽  
Panel Regression ◽  
Islamic Banks ◽  
Return On Assets ◽  
Independent Variables ◽  
Dependent Variables ◽  
Fixed Model

The purpose of this study is to find out the determinants of Islamic banks of Pakistan. The author collected data of five Islamic banks of Pakistan over ten years extending from 2006-2015. The independent variables were GDP, Size, Inflation & Liquidity whereas dependent variables were Return on Asset. By using STATA software and employed panel regression, the researcher found that in fixed model effect, there are two significant variables at 5% i.e., size of Islamic banks and liquidity. Liquidity has positive whereas size has negative impact on profitability of Islamic banks. The findings will be helpful for Islamic banking sector to make their policies accordingly. Keywords: Islamic Banks, Size, GDP, Inflation, Liquidity, Return On Assets

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