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Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers

Author

Listed:
  • Hanudin Amin
  • Abdul Rahim Abdul Rahman
  • Dzuljastri Abdul Razak
  • Hamid Rizal

Abstract

Purpose - The purpose of this study is to investigate the effects of service quality, product choice and Islamic debt policy on consumer attitude within the context of Islamic mortgage sector in Malaysia. The present study also examines the effect of attitudinal-behaviour on consumer preference towards preference of Islamic mortgage selection. Design/methodology/approach - The study is based on questionnaire survey. Data are collected using sample from customers of Islamic banks in Malaysia. The study collects 351 respondents. Data are analysed using partial least squares (PLS). Findings - The results indicate that service quality, product choice and Islamic debt policy significantly influence consumer attitude, in turn, affecting the Islamic home financing preference. Consumer attitude also mediates the effects of service quality, product choice and Islamic debt policy on the Islamic home financing preference. Research limitations/implications - Several limitations warrant future research. First, this study considers only a specific user group in one public university. Second, this study does not consider attitude as a moderator. Third, this study suffers from the limited number of factors used. These limitations, however, provide directions for future research. Practical implications - Our results will add value to the consumer preference topic for Islamic home financing literature. The present study provides bank managers with valuable insights into better planning of Islamic home financing services in Malaysia. Originality/value - This study is a pioneering effort at exploring consumer attitude and preference from the context of Islamic mortgage sector in Malaysia. The use of PLS analysis provides another important contribution to the literature in this area.

Suggested Citation

  • Hanudin Amin & Abdul Rahim Abdul Rahman & Dzuljastri Abdul Razak & Hamid Rizal, 2017. "Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers," Management Research Review, Emerald Group Publishing Limited, vol. 40(1), pages 95-115, January.
    • Handle: RePEc:eme:mrrpps:mrr-07-2015-0159
    DOI: 10.1108/MRR-07-2015-0159
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    Citations

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    Cited by:

    1. Bashir Baba & Shafie Mohamed Zabri & Ahmed Kaseri Ramin, 2019. "Evaluating the Customer Satisfaction’s Effect on Murabahah and Mudarabah Financing in Islamic Banking," Traektoriâ Nauki = Path of Science, Altezoro, s.r.o. & Dialog, vol. 5(1), pages 2001-2022, January.
    2. Abdullah Mesut UÇAR, 2020. "A Research on Consumer Behavior Towards Interestfree Financing with Special Reference to Planned Behavior Theory: An Empirical Analysis," Journal of Economic Policy Researches, Istanbul University, Faculty of Economics, vol. 7(1), pages 69-88, January.
    3. Mertzanis, Charilaos & Hamill, Philip A. & Pavlopoulos, Athanasios & Houcine, Asma, 2024. "Sustainable investment conditions and corporate cash holdings in the MENA region: Market preparedness and Shari'ah-compliant funds," International Review of Economics & Finance, Elsevier, vol. 93(PB), pages 1043-1063.
    4. Muhammad Nazmul Hoque & Muhammad Khalilur Rahman & Jamaliah Said & Farhana Begum & Mohammad Mainul Hossain, 2022. "What Factors Influence Customer Attitudes and Mindsets towards the Use of Services and Products of Islamic Banks in Bangladesh?," Sustainability, MDPI, vol. 14(8), pages 1-19, April.
    5. Shaikh, Imran Mehboob & Noordin, Kamaruzaman & Alsharief, Ahmed, 2018. "Factors Influencing Customers’ Acceptance Towards Diminishing Partnership Home Financing: A Study of Pakistan," Islamic Economic Studies, The Islamic Research and Training Institute (IRTI), vol. 26, pages 63-86.
    6. Precious Chikezie Ezeh, 2024. "Predictors of Islamic banking adoption among Muslim customers in Nigeria," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 67-78, March.
    7. Mery Maulin & Mohamad Anton Athoillah & Deden Effendi & Cosvi Hardinata, 2021. "Civil law notaries according to Sharia compliance in property financing contracts," Technium Social Sciences Journal, Technium Science, vol. 20(1), pages 441-451, June.
    8. Bashir Baba & Shafie Mohamed Zabri & Ahmad Kaseri, 2018. "Assessing the Influence of Islamic Banks' Products' Quality Features on Customer Satisfaction in Nigeria," Traektoriâ Nauki = Path of Science, Altezoro, s.r.o. & Dialog, vol. 4(6), pages 4001-4015, June.

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