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Factors influencing intention to use diminishing partnership home financing


  • null Taib
  • T. Ramayah
  • Dzuljastri Abdul Razak


Purpose - The purpose of this study is to examine the acceptance level of a new Islamic home financing concept, diminishing partnership (DP), by consumers in Malaysia using the theory of reasoned action as the guiding principle. Design/methodology/approach - Cross sectional data were collected through a survey and analysed by means of factor analysis, correlation and regression analysis. Findings - Positive attitude or degree of favorableness towards the DP concept and religious and social influence are jointly responsible in determining the intention to engage in DP though the former commands greater influence. Research limitations/implications - The use of convenience sampling and postgraduate students may not sufficiently capture the variations that could potentially exist in the market. Practical implications - Introducing a leading Islamic finance product requires more than just a mere Shariah Board approval as customers are far more critical than has often been assumed. Demand for the home diminishing product has clearly been substantiated. It is a challenge for bankers to devise products that use the spirit of the concept very closely without compromising its salient features. Marketing strategies to consumers with different religious backgrounds have also been identified. Originality/value - This study examines customers' acceptance level of a new Islamic home financing concept among multi ethnic/religion consumers with growing interest and consciousness about Islamic financial products.

Suggested Citation

  • null Taib & T. Ramayah & Dzuljastri Abdul Razak, 2008. "Factors influencing intention to use diminishing partnership home financing," International Journal of Islamic and Middle Eastern Finance and Management, Emerald Group Publishing, vol. 1(3), pages 235-248, August.
  • Handle: RePEc:eme:imefpp:v:1:y:2008:i:3:p:235-248

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    Cited by:

    1. Nouman Khurram & Umair Saeed, 2015. "Factors Influencing the Intention of People to Use Islamic Banking: An Evidence from Lahore, Pakistan," International Journal of Economics and Empirical Research (IJEER), The Economics and Social Development Organization (TESDO), vol. 3(8), pages 411-418, August.
    2. Muhammad Ali & Syed Ali Raza & Chin-Hong Puah & Mohd Zaini Abd Karim, 2017. "Islamic home financing in Pakistan: a SEM-based approach using modified TPB model," Housing Studies, Taylor & Francis Journals, vol. 32(8), pages 1156-1177, November.
    3. Amin, Hanudin & Abdul-Rahman, Abdul-Rahim & Abdul-Razak, Dzuljastri, 2009. "Is the Theory of Planned Behaviour Valid for Islamic home financing?," MPRA Paper 43179, University Library of Munich, Germany, revised 05 Sep 2011.
    4. Zeyad Saleem Ramadan, 2013. "Jordanian Criteria for Islamic Banks Selection. Evidence from the Jordanian Banking Sector," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 3(3), pages 139-145, July.
    5. Hasan, Syed Akif & Subhani, Muhammad Imtiaz & Osman, Ms. Amber, 2012. "Consumer Criteria for the Selection of an Islamic Bank: Evidence from Pakistan," MPRA Paper 40384, University Library of Munich, Germany.


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