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All Journal International Journal of Islamic Economics and Finance (IJIEF) Journal of Islamic Economic Laws Journal of Islamic Economic Laws
Dawami, Qosdan
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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FACTORS INFLUENCING THE PREFERENCE OF CUSTOMERS TOWARDS ISLAMIC BANKING: EVIDENCE FROM MALAYSIA Dawami, Qosdan
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (385.47 KB) | DOI: 10.23917/jisel.v3i1.10191

Abstract

The purpose of this research is to investigate the pivotal determinants influencing the consumer?s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual?s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers? behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to choose its products and services.Keywords ? Islamic banking, Religiosity, Customer behaviour and Shariah Compliance.
Factors Determining the Successful Performance of Baitul Maal Wat Tamwil in Wonosobo Dawami, Qosdan; Razak, Dzuljastri Abdul; Hamdan, Hamdino
International Journal of Islamic Economics and Finance (IJIEF) Vol 4, No 1 (2021): IJIEF Vol 4 (1), January 2021
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (458.617 KB) | DOI: 10.18196/ijief.v4i1.10484

Abstract

Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades in Indonesia, some of them faced various obstacles that hamper their effectiveness and sustainability. While some of others sustained and developed well, even in the economic crisis conditions. Hence, this study aims to investigate the factors that determine the successful performance of BMT. This study is a field research with triangulation as a mixed method approach through semi-structured interviews and questionnaires. Whereby the empirical data were collected by means of conducting semi-structured interviews with 3 managers of the BMTs and administering questionnaires to 285 employees of the BMTs. This study examined five factors that influence the BMT performance, namely the capital structure of funding, the governance of the BMT, the human resource adequacy, the product innovation and the repayment of financing products. The results pointed that among the five selected factors, only three factors had positive and significant influence on the successful performance of the BMT, they are the capital structure of funding, the human resource adequacy and the product innovation. The result of this study will also assist policy makers and the BMT managers in further improving the effectiveness and sustainability of the BMT in Indonesia.
Factors Determining the Successful Performance of Baitul Maal Wat Tamwil in Wonosobo Dawami, Qosdan; Razak, Dzuljastri Abdul; Hamdan, Hamdino
International Journal of Islamic Economics and Finance (IJIEF) Vol 4, No 1 (2021): IJIEF Vol 4 (1), January 2021
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (458.617 KB) | DOI: 10.18196/ijief.v4i1.10484

Abstract

Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades in Indonesia, some of them faced various obstacles that hamper their effectiveness and sustainability. While some of others sustained and developed well, even in the economic crisis conditions. Hence, this study aims to investigate the factors that determine the successful performance of BMT. This study is a field research with triangulation as a mixed method approach through semi-structured interviews and questionnaires. Whereby the empirical data were collected by means of conducting semi-structured interviews with 3 managers of the BMTs and administering questionnaires to 285 employees of the BMTs. This study examined five factors that influence the BMT performance, namely the capital structure of funding, the governance of the BMT, the human resource adequacy, the product innovation and the repayment of financing products. The results pointed that among the five selected factors, only three factors had positive and significant influence on the successful performance of the BMT, they are the capital structure of funding, the human resource adequacy and the product innovation. The result of this study will also assist policy makers and the BMT managers in further improving the effectiveness and sustainability of the BMT in Indonesia.
Factors Influencing The Preference Of Customers Towards Islamic Banking: Evidence From Malaysia Dawami, Qosdan
Journal of Islamic Economic Laws Vol 3, No 1: January 2020
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v3i1.10191

Abstract

The purpose of this research is to investigate the pivotal determinants influencing the consumer’s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual’s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service Quality offered by Islamic banks. This study utilizes quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service Quality offered by Islamic banks are the major determinants influencing the customers’ behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to choose its products and services.
Co-Authors Hamdan, Hamdino Razak, Dzuljastri Abdul