scholarly journals The Mediating Effect of Attitude on Customers’ Behavioural Intention to Participate in Islamic Banking: Empirical Evidence

2019 ◽  
Vol 10 (5) ◽  
pp. 167
Author(s):  
Ibrahim Abiodun Oladapo ◽  
Normah Omar ◽  
Ruhaini Muda ◽  
Abdulazeez Adewuyi Abdurraheem
Keyword(s):  
Positive Attitude ◽  
Structural Model ◽  
Reasoned Action ◽  
Mediating Effect ◽  
Behavioural Intention ◽  
Islamic Banking ◽  
Knowledge Enhancement ◽  
Intention To Participate ◽  
The Relationship ◽  
Self Administered Questionnaire

Purpose - This paper examines the mediating effect of positive attitude (ATT) and subjective norm (SJN) on customers’ behavioral intention to participate in Islamic banking in Nigeria using the Theory of Reasoned Action (TRA) as a basis.Design/methodology/approach - Data were collected using a self-administered questionnaire with 274 samples. This study used the convenience sampling technique.Findings – The authors found a positive and significant relationship between the factors in the model. The findings highlight the relevance of attitude in the structural model. The findings further show that attitude has a positive effect in mediating the relationship between awareness, knowledge, religion and the behavioural intention of customers.Originality/value - This paper highlights the need for policymakers, regulators and Islamic banking operators to create proper awareness through effective communication with customers on the benefits of Islamic banking and the provision of a platform for knowledge enhancement to promote a positive attitude among the different segments of society and which in turn can influence their intention to participate in Islamic banking.

Attitude: mediator of subjective norm, religiosity and intention to adopt Islamic banking

2019 ◽  
Vol 11 (1) ◽  
pp. 81-96 ◽  
Author(s):  
Juma Bananuka ◽  
Musa Kasera ◽  
Grace Muganga Najjemba ◽  
Doreen Musimenta ◽  
Bob Ssekiziyivu ◽  
...  
Keyword(s):  
Methodological Approach ◽  
Subjective Norm ◽  
Mediating Effect ◽  
Mediation Effect ◽  
Future Research ◽  
Islamic Banking ◽  
Content Type ◽  
Intention To Adopt ◽  
The Relationship ◽  
Secular State

Purpose The purpose of this paper is to report on the results of a study carried out to examine the mediating effect of attitude in the relationship between subjective norm, religiosity and intention to adopt Islamic banking in a developing secular state like Uganda. Design/methodology/approach This study’ research design was cross sectional. Closed ended questionnaires were distributed to 258 managers of micro businesses in Uganda. Data were analyzed with the help of SPSS v22 and MedGraph program (Excel version). Findings Attitude is a significant mediator in the relationship between subjective norm and intention to adopt Islamic banking. Also, attitude significantly mediates the relationship between religiosity and intention to adopt Islamic banking. Research limitations/implications The study used only a single research methodological approach; therefore, future research could be undertaken using a mixed-methods approach. Practical implications Emphasis should be put on improving the mindsets of Ugandans toward Islamic banking. Originality/value While there has been a number of studies on Islamic banking, this study provides an initial empirical evidence on the mediation effect of attitude in the relationship between subjective norm, religiosity and intention to adopt Islamic banking in a single study in an African developing secular state like Uganda.

scholarly journals Is Spiritual Intelligence no Longer Relevant on Business Performance?

2018 ◽  
Vol 7 (3.25) ◽  
pp. 27
Author(s):  
Mazni Saad ◽  
Rosita Husain ◽  
Nafiza Mahayuddin ◽  
Aznita Ahmad ◽  
Mokana Muthu Kumarasamy
Keyword(s):  
Business Performance ◽  
Structural Model ◽  
Mediating Effect ◽  
Spiritual Intelligence ◽  
Measurement Scale ◽  
Food Handlers ◽  
Food Services ◽  
Model Estimate ◽  
Mediating Role ◽  
The Relationship

The current study was to examine the mediating role of Spiritual Intelligence (SQ) in engaging employees at the workplace. Particularly, this study aimed to at investigating the SQ in the relationship between practices and business performance among the food handlers. The main objective of this research is to examine the mediating effect of the SQ on the business performance (food, services, and atmosphere). Four main SQ dimensions from the ISIS measurement scale were used as a basis to collect the data. A total of 816 data was collected from the food handlers from different government’s off-premises. Analyzed with the Smart PLS, the analysis showed that SQ mediated the relationship between practices and business performance in these three areas. In assessing the structural model estimate, the results of analysis revealed that the direct effect is statistically difference from zero (β_c≠0). Thus, rejected the null hypothesis β_c=0 with a statistically significance showed that there is a mediating effect on the relationship between practices and business performance. The discussion is made in explanation of these results within the context of other researches and suggestions for further research.  

scholarly journals A Study on the Customer’s Acceptance Towards Islamic Banking Products Among Non-Muslim in Dual Banking System

2016 ◽  
Author(s):  
Juwairiah Mohamad ◽  
Muhammad Fakhirin Che Majid
Keyword(s):  
Banking System ◽  
The Self ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Positive Perception ◽  
Conventional Banks ◽  
Muslim Communities ◽  
The Relationship ◽  
Self Administered Questionnaire

Islamic banking products (IBP) are offered not only to the Muslim community, but also to communities of other religions who are free to choose products depending on their convenience. According to a report, the percentage of non-Muslim communities choosing IBP in Malaysia has been steadily increasing and is expected to continue to increase in future. The Dual Banking System is one of the initiatives that has been created in conventional banks as an extra facility for the communities to engage with IBP easily without going to Islamic Banks. This paper aims to study the factors that drive non-Muslim customers to accept IBP. Specifically, this paper examines the relationship between four factors: knowledge, understanding, perception and the level of awareness among non-Muslim customers regarding their acceptance on IBP in the Dual Banking System. About 140 non-Muslim IBP customers of the Dual Banking System around Changlun, Jitra and Alor Setar were selected based on convenience and were randomly picked as respondents of this study. Some data were also collected through interviews with the bank personnel and the bank’s customers besides the self-administered questionnaire survey. Employing the SPSS approach, the hypotheses of the study were tested. The findings showed that there are significance relationships between customer’s knowledge, understanding, positive perception, and the level of awareness perceived among non-Muslim customers and their acceptance of IBP.   Keywords: Islamic banking products; non-Muslim customers; acceptance.

scholarly journals Customer’s Intention with Moderating Role of Pricing on Islamic Personal Financing of Pakistan

2021 ◽  
Vol 5 (1) ◽  
pp. 293-308
Author(s):  
Sadia Saeed ◽  
Dr. Hina Shahab ◽  
Dr. Shehla Akhtar
Keyword(s):  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Banking System ◽  
Subjective Norms ◽  
Islamic Banking ◽  
Pricing Policy ◽  
Two Cities ◽  
The Relationship ◽  
Moderating Role

Financial industries are rapidly accepting the Islamic banking system. Using theory of reasoned action (TRA) model the study investigates the three factors including attitude, religiosity and subjective norms in measuring the intention of customers to adopt Islamic banking products along with moderating role of pricing. The sample of 220 banks consumers from two cities of Rawalpindi and Islamabad are gathered using convenient sampling. Regression results suggest that all three factors influence the intention of customers in buying Islamic banking products. Moreover, pricing moderates the relationship in developing intention of customer to adopt Islamic personal financing in the context of religiosity.The finding of the study identifies that Islamic bankers should adopt pricing policy based upon fair practices of Shariah. In addition awareness to people about Islamic products through marketing is essential in clearing their misconceptions towards investment in Islamic products.

scholarly journals The Impact of Service Delivery System Process and Moderating Effect of Perceived Value in Internet Banking Adoption

2020 ◽  
Vol 24 ◽  
Author(s):  
Rajiv Kumar ◽  
Amit Sachan ◽  
Ritu Kumar
Keyword(s):  
Customer Satisfaction ◽  
Service Delivery ◽  
Perceived Value ◽  
Internet Banking ◽  
Moderating Effect ◽  
Mediating Effect ◽  
Behavioural Intention ◽  
Service Delivery System ◽  
The Impact ◽  
The Relationship

This study identifies the impact of Internet banking service delivery system (IBSDS) process on consumer behaviour; the mediating effect of customer satisfaction on the relationship between IBSDS process and behavioural intention; and the moderating effect of the customer’s perceived value. The study uses a quantitative method using the data collected from 416 respondents. Mediated regression is used to examine the mediating effect of customer satisfaction. SPSS Process v2.16.3 is employed to analyse the moderating effect of the perceived value. The results indicate that IBSDS process impacts customer satisfaction and behavioural intention. Further, customer satisfaction plays a partial mediating role between the association of IBSDS process and behavioural intention. This study provides evidence that the technological capabilities embedded in the bank website processes are an important factor in determining customer satisfaction and ultimately behavioural intention. The study also reveals that perceived value moderates the relationship between IBSDS process and customer satisfaction, and between customer satisfaction, and, behavioural intention. It also adds to the existing knowledge on the adoption of Internet banking literature. Academicians and information systems researchers may use these findings for further research. Financial service providers or related agencies may consider the attributes of the IBSDS process (e.g., navigation, searching, transacting, etc.) while designing their Internet banking services to provide enhanced customer experiences. The paper also highlights the research limitations and scope for future research.

The Mediating Effect of Money Growth And General Public Consumption In The Fiscal Deficit-Inflation-Growth Nexus of The West African Monetary Zone: A Multilevel Structural Model Approach

2021 ◽  
Author(s):  
EDMUND AYESU ◽  
John Olaomi
Keyword(s):  
General Public ◽  
Structural Model ◽  
West African ◽  
Mediating Effect ◽  
Fiscal Deficit ◽  
Money Growth ◽  
The West ◽  
Public Consumption ◽  
Mediating Variables ◽  
The Relationship

Abstract The effect of fiscal deficit on inflation and growth, has been a highly contested issue in economics. Studies on the issue generally have sought to ascertain whether deficit in the fiscal balance has positive or negative effect on inflation and/or growth, neglecting the question of mediating variables in the process. In this study, we consider the consequences of selected mediating variables, money growth and general public consumption, in the context of the relationship among fiscal deficit, inflation and growth in the case of the West African Monetary Zone. The study is based on Multilevel Structural Model (1, 1, 1) within the framework of dynamic structural equation model. We found that when the relationship between inflation and fiscal deficit is mediated by growth of money, it does not show any statistical credibility, thus, member-countries are not prone to finance deficits by expanding growth of money. On the other hand, general public consumption is a statistically credible mediator between fiscal deficit and growth, but its effect is negative on growth. This implies that increased general public consumption occasioned by increased fiscal deficit is counter-productive to growth outcomes in the sub-region.

scholarly journals Does it matter where to run? Intention to participate in destination marathon

2020 ◽  
Vol 32 (7) ◽  
pp. 1475-1494
Author(s):  
Kim-Shyan Fam ◽  
Hiram Ting ◽  
Kim-Lim Tan ◽  
Kashif Hussain ◽  
Jun-Hwa Cheah
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Emerging Market ◽  
Perceived Value ◽  
Sampling Technique ◽  
Mediating Effect ◽  
Substantial Contribution ◽  
Content Type ◽  
Intention To Participate ◽  
The Relationship

PurposeThe purpose of this study is to examine the effect of marathon enthusiasts' perceptions towards venue quality, race competition, organisation and service quality on their intention to participate in a destination marathon in the emerging region's context. It also seeks to investigate the mediating effect of perceived value and the moderating effect of intention to visit the destination on the intention to participate.Design/methodology/approachUsing purposive sampling technique, 177 valid Singapore marathon enthusiasts were sampled to look into their intention towards participating in destination marathon in Sarawak (marathon held in Kuching). The data were analysed using the partial least squares–structural equation modelling (PLS–SEM).FindingsThe results show that amongst the other determinants, perceived organisation and perceived service quality do not contribute to perceived value and intention to participate in destination marathon. Perceived value is found to mediate all path relationships except the relationship between perceived organisation and intention to participate. Moreover, the relationship between perceived value and intention to participate is significantly moderated by intention to tour Sarawak.Originality/valueThis study makes a substantial contribution to the extant literature pertaining to destination tourism and value-based marketing in an emerging market. In particular, it highlights the importance of perceived value and the relevance of destination tourism in joining a sport event on foreign soil. The use of PLS–SEM also allows a rigorous assessment of the relationships under investigation and provides better estimations of the phenomenon.

scholarly journals Relationship between Service Quality, Customer Loyalty and Customer Satisfaction

2018 ◽  
Vol 6 (2) ◽  
pp. 135-154
Author(s):  
Atif Mahmood ◽  
Muhammad Luqman Tauheed Rana ◽  
Sara Kanwal
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Customer Loyalty ◽  
Banking Sector ◽  
Mediating Effect ◽  
Bank Management ◽  
Complete Survey ◽  
Survey Responses ◽  
The Relationship ◽  
Self Administered Questionnaire

This study examined the influence of service quality on customer loyalty, and aimed to determine if this relationship was mediated by customer satisfaction. Data were gathered from customers of eight banks in Pakistan through an adapted self-administered questionnaire. Respondents were selected using convenience sampling. The distributed questionnaire was based on a modified SERVQUAL model.479 complete survey responses were returned out of a total of 700 distributed. The completed questionnaires were examined through descriptive statistics, regression analysis, and PROCESS technique (Hayes2013). Results revealed a significant effect of service quality on customer loyalty. Customer satisfaction was found to have a significant mediating effect on the relationship between service quality and customer loyalty. The outcomes of our study could be useful for policy-making in bank management, and future banking expansion. There is additional generalized benefit to having insight into customers’ thinking regarding the banking sector.

scholarly journals PERAN NON PERFORMING FINANCING (NPF) DALAM HUBUNGAN ANTARA DEWAN KOMISARIS INDEPENDEN DAN PROFITABILITAS BANK SYARIAH

2018 ◽  
Vol 6 (1) ◽  
pp. 145
Author(s):  
Taufikur Rahman ◽  
Dian Safitrie
Keyword(s):  
Corporate Governance ◽  
Annual Report ◽  
Secondary Data ◽  
Sampling Technique ◽  
Mediating Effect ◽  
Islamic Banking ◽  
Good Corporate Governance ◽  
Negative Effect ◽  
The Relationship

This study empirically examined the role of Non Performing Financing (NPF) as the intervening variable on the relationship between independent board and profitability. The population used in this study is all Islamic banking of Indonesia that consist of 13 Islamic banking. The writer took 11 Islamic banking as the sample of this research. The sampling technique used in this research is purposive sampling technique.Types of data used are secondary data. The data of this study collected from Islamic Banking companies that issue an annual report and a report on the implementation of good corporate governance periode of 2011-2015. This study has utilized path analysis to analyze the mediating effect of NPF on the relationship between board size independence and profitability. The result of this study suggest that empirically NPF does not mediate the relationship between independent board and profitability, so empirically NPF can not play the role as the intervening variable.The result of this study also suggest that independent board has positif effect on profitability (ROE), independent board has negative effect on NPF and NPF has not effect on profitability (ROA).

scholarly journals THE MEDIATING ROLE OF ETHICAL CLIMATE BETWEEN ORGANIZATIONAL JUSTICE AND STRESS: A CB-SEM ANALYSIS

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Fahad Albejaidi
Keyword(s):  
Data Analysis ◽  
Organizational Justice ◽  
Ethical Climate ◽  
Structural Model ◽  
Measurement Model ◽  
The Body ◽  
Mediating Effect ◽  
Healthcare Organizations ◽  
Cross Sectional ◽  
The Relationship

The aim of the current study was to investigate the mediating effect of an ethical climate on the relationship between organizational justice and workplace stress. The quantitative survey research design was used and cross-sectional data was collected. Structured questionnaires were distributed. The population of the study was nurses from the healthcare professionals working in the healthcare organizations in Qassim region. There are total of 5542 nurses working in different public and private healthcare organizations. Convenience sampling technique was used for selecting sample size. Total 510 completed questionnaires were collected back and used in the study for data analysis. For data analysis, AMOS-SEM was used. Measurement and structural models were developed and tested in the current study. Reliabilities and validities were investigated through the measurement model, while for hypotheses testing structural model was developed. Findings of the study indicated that the scale used in the study was found reliable and valid. Factor loadings, average variance extracted, and construct reliability met the threshold level/standard criteria. The structural model also revealed that ethical climate mediated the relationship between organizational justice and stress. This is the original work and contribution to the body of knowledge by extending the literature on justice, stress, and ethical climate. The presence of justice and ethical climate made it possible for employees to better manage their stress.

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