DOI :10.24924/ijabm/2019.04/v7.iss1/1.32
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THE DETERMINANTS OF CUSTOMER PATRONAGE IN THE CASE OF ISLAMIC FINANCE PRODUCTS IN THE MALDIVES

Aishath Imthisal Ahmed

FTMS Global, Malaysia

Ismail Nizam

FTMS Global, Malaysia

Keywords: Customer patronage, Islamic finance, Religiosity, Subjective Norm, Relative advantage, Level of Knowledge, Theory of reasoned action (TRA), Theory of planned behaviour (TPB), Diffusion of Innovation (DOI)

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Abstract

This thesis identifies and analyses the determinants of customer patronage in the case of Islamic finance products in the Maldives. The independent variables used for this study are religiosity, subjective norm, level of knowledge and relative advantage. The dependent variable is customer patronage of Islamic finance products. The supporting theories used for this study are theory of reasoned action (TRA), theory of planned behaviour (TPB) and Diffusion of Innovation (DOI). This study uses primary data collection method of computer-administered questionnaires based on 5-point Likert scale with 263 responses received and analysed. The collected gather was recorded and coded and analysed by SPSS and AMOS. The finding of the study indicates that religiosity, subjective norm and relative advantage have a positive significant impact on Islamic finance customer patronage, with religiosity having the biggest impact. However it was revealed that level of knowledge has no impact on Islamic finance customer patronage. The results of this study will contribute to further grow and expand the Islamic finance industry of the Maldives.

Reference

Adiele, K.C., 2015. Physical Evidence and Customer Patronage : An Empirical Study of Nigeria Physical Evidence and Customer Patronage : An Empirical Study of Nigeria Banking Sector. https://doi.org/10.9734/BJEMT/2014/14176



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