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All Journal al-Uqud : Journal of Islamic Economics International Journal of Islamic Business and Management Review
Wan Daud, Wan Mohd Nazri
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Arts Economics, Econometrics & Finance Social Sciences

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Uncover the reasons behind customers' choice of Thailand Islamic banks Bakhri, Boy Syamsul; Ramli, Mona Fairuz bt; Wan Daud, Wan Mohd Nazri
al-Uqud : Journal of Islamic Economics Vol. 7 No. 2 (2023): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/aluqud.v7n2.p186-199

Abstract

Most religions in Thailand are Buddhists. However, Thailand has four provinces, most of which are Malays or Muslims. This study was motivated by the demographic background and curiosity about Islamic banking services in Thailand. This study examines customer knowledge of products and service facilities in Islamic banking, why customers choose Islamic banks, and why customers use both types of bank (Islamic and conventional banking). This study was a field research using a survey technique to collect data. The population in Thailand is an Islamic bank. The data analysis technique used descriptive statistics with frequency distribution. The study results found that many Islamic bank customers still need to learn about Islamic bank products, such as musyarakah products, mudharabah products, ijarah products, and rahn services. Customers choose Islamic banks primarily for religious reasons, while ease of access to more branches is the main reason for using Islamic and conventional banks. Customers expressed satisfaction with the services provided by Islamic banks, particularly the name and image of the bank, the friendliness and skills of its employees, the confidentiality of customer data, and the variety of facilities offered by the bank. Banks need to improve their services and add touchpoints so that Muslim customers can use Islamic banks and leave conventional banks. In addition, banks are advised to continue educating consumers to understand the importance of Islamic banking, according to Sharia.
Factors Contributing to Non-performing Financing: Evidence from Islamic Banks in Malaysia before Pandemic Mohammad Zain, Eni Noreni; Ghazali, Puspa Liza; Wan Daud, Wan Mohd Nazri
International Journal of Islamic Business and Management Review Vol. 2 No. 2 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v2i2.363

Abstract

This study is going to ascertain the contributing factor of non-performing financing in Islamic banks in Malaysia. Purpose – This study aims to investigate the specific bank characteristics as well as macroeconomic variables. Methodology/approach –Twelve local Islamic banks would be the focus for this study starting from period 2009 until 2018 which are before pandemic. The annual report has been used as the primary source for the financial data. While for the macroeconomics data, DataStream database has been used. Panel data approach was used to investigate the data and all the determining factor from both factors were regressed against non-performing financing. Findings – This study found that just two bank-specific characteristics, bank size and capitalization, showed a significant negative link with non-performing financing. While the other variables from macroeconomic factors does not give any important impact on non-performing financing for the Islamic banks in Malaysia.
Co-Authors Bakhri, Boy Syamsul Ghazali, Puspa Liza Mohammad Zain, Eni Noreni Ramli, Mona Fairuz bt