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The determinants of the choice of Islamic banks in Tunisia

Author

Listed:
  • Moez Ltifi
  • Lubica Hikkerova

    (IPAG Lab - IPAG Lab - IPAG Business School)

  • Boualem Aliouat

    (GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur)

  • Jameleddine Gharbi

Abstract

Following the exponential growth of the banking sector, it is highly strategic for Islamic banks managers to identify what determines the selection criteria for these institutions to customers, knowing that the Islamic banking system is characterized by forms of organization banks very different from traditional commercial banks, with specific missions and objectives, specific strategies and structures. In this regard, our study aims to determine consumer behavior explanatory factors for the selection of an Islamic bank in Tunisia. This is specifically to test the moderating role of gender and age as discriminating variables in the decision. Data were collected from 180 people in Tunisia. A questionnaire was developed and distributed. Data were analyzed with SPSS (20.0) software. Our results show that customers consider several factors in their decision to choose an Islamic bank. These factors are essentially the quality of service offered by Islamic financial institutions, trust and compliance with the "Sharia" (Islamic Jurisprudence prescribing the prohibition of interest, the imposition of a religious tax, the blackout speculative, etc.). Specifically our results show that gender and age are two moderators between selecting an Islamic bank and the determinants observed. The originality of this work is based on the innovative nature of the observation of the role of moderator variables such as gender and age here.

Suggested Citation

  • Moez Ltifi & Lubica Hikkerova & Boualem Aliouat & Jameleddine Gharbi, 2016. "The determinants of the choice of Islamic banks in Tunisia," Post-Print halshs-01267061, HAL.
  • Handle: RePEc:hal:journl:halshs-01267061
    DOI: 10.1108/IJBM-11-2014-0170
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    Citations

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    Cited by:

    1. Mustapha Ziky & Raja Daouah, 2019. "Exploring Small and Medium Enterprises¡¯ Perceptions Towards Islamic Banking Products in Morocco," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 11(10), pages 106-117, October.
    2. Harpreet Kaur & Sangeeta Arora, 2019. "Demographic influences on consumer decisions in the banking sector: evidence from India," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 24(3), pages 81-93, December.
    3. Krisna Nugraha & Muhtosim Arief & Sri Bramantoro Abdinagoro & Pantri Heriyati, 2022. "Factors Influencing Bank Customers’ Orientations toward Islamic Banks: Indonesian Banking Perspective," Sustainability, MDPI, vol. 14(19), pages 1-18, September.
    4. Hajime Kamiyama & Kenichi Kashiwagi, 2019. "Factors affecting customers’ continued intentions to use Islamic banks," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 24(3), pages 59-68, December.
    5. Insaf Jouiet & Ahlam Maaraf, 2023. "An exploration of the factors influencing the intention to adopt participatory banking products in the Moroccan context [Exploration des facteurs influençant l'intention d'adoption des produits ban," Post-Print hal-04427772, HAL.
    6. Intekhab Alam & Pouya Seifzadeh, 2020. "Marketing Islamic Financial Services: A Review, Critique, and Agenda for Future Research," JRFM, MDPI, vol. 13(1), pages 1-19, January.
    7. Minwir Al-Shammari & Mehdi Mili, 2021. "A fuzzy analytic hierarchy process model for customers’ bank selection decision in the Kingdom of Bahrain," Operational Research, Springer, vol. 21(3), pages 1429-1446, September.
    8. YUSFIARTO Rizaldi & NUGRAHA Septy Setia & PAMBUDI Dwi Santosa & PAMBEKTI Galuh Tri, 2022. "Islamic Banking And Loyalty: Service Quality, Intimacy Or Religious Driven?," Studies in Business and Economics, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 17(2), pages 300-318, August.

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