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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 - Purpose – This study investigates 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 - 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 - 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 - 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 - 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 - 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, vol. 40(1), pages 95-115, January.
  • Handle: RePEc:eme:mrrpps:mrr-07-2015-0159
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    Citations

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    Cited by:

    1. 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.
    2. 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.
    3. 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.

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