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All Journal Ekonomi Islam Indonesia Review on Islamic Accounting
Suleiman, Fatma Hemed
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Intention to Use Takaful (Islamic Insurance): Case Study in Tanzania Suleiman, Fatma Hemed
Review on Islamic Accounting Vol. 5 No. 1 (2025): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v5i1.680

Abstract

This study shows the factors influencing intention to adopts takaful in Tanzania by applying the Amos on SEM model which is Structural Equation Modelling by using 100 data collected from respondent and the key factors are attitude, awareness, cost & benefit, compliance and reputation. The result show that attitude, cost & benefit and awareness are positive significant with the intention to use takaful in Tanzania while the compliance and reputation has no significant to the intention to use takaful in Tanzania because it has insignificant. The measurement model it shown to be good validity and reliability which is supported by the Cronbach’s Alpha scores so the model fit indices and confirm the adequacy of the model. the finding recommending the public awareness, fostering positive attitude and benefits of takaful are the main factor to increase the adaption but not only that but also the study suggesting on the takaful provider and regulator to have a good regulation on takaful and ensure the transparency on the working so as to influence the people to intent to use the Islamic insurance in Tanzania.
The Impact of Service Quality on Customer Satisfaction in Islamic Banking in Tanzania Suleiman, Fatma Hemed
Ekonomi Islam Indonesia Vol. 7 No. 2 (2025): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v7i2.682

Abstract

The purpose of this study is to analyse the impact of the service given by an Islamic bank institution in Tanzania on customer satisfaction using the CARTER model, which identifies the major factors that influence consumer perception. Questionnaires are disseminated throughout Tanzania's many regions where Islamic banks operate, including Zanzibar, Dar es Salaam, Dodoma, and Arusha, using stratified random sampling. Data was analysed using the structural equation model (SEM) with SPSS and AMOS version 20 to determine the link between service quality and customer satisfaction. The study found that reliability, assurance, and compliance all have a highly favourable and significant impact on customer satisfaction, with reliability being the most significant and positively associated. On the other hand, empathy and tangibility have a negative link with customer satisfaction; notably, responsiveness has no impact on the customer satisfaction neither positive nor negative signification. That is, responsiveness alone may not have an impact on client satisfaction at Tanzanian Islamic banks. Tanzania Islamic Bank should encourage more enhancement of reliability, assurance, and compliance in their delivery of their services to their customers because doing that can bring trustworthy and accurate services that align with the Islamic rules and regulations that lead to strong loyalty and relationships.
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