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Is the Theory of Planned Behaviour Valid for Islamic home financing?


  • Amin, Hanudin
  • Abdul-Rahman, Abdul-Rahim
  • Abdul-Razak, Dzuljastri


Abstract This study is aimed at explaining factors influencing the intention amongst bank customers in selecting Islamic home financing that is musharakah mutanaqisah home financing. Drawing upon the theory of planned behaviour (the TPB), this study proposes a model to examine the effects of three explanatory factors namely attitude, subjective norm and perceived behavioural control on such intention. This study tests the TPB in a context of musharakah mutanaqisah home financing. The model of the study is tested using survey data from 168 bank customers who are respondents of the study. Our results suggest that attitude, subjective norm and perceived behavioural control are significantly influencing the intention to select such facility. The relationship between attitude and subjective norm are also statistically significant. The findings also demonstrate the applicability of the TPB in the musharakah mutanaqisah home financing context.

Suggested Citation

  • 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.
  • Handle: RePEc:pra:mprapa:43179

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    References listed on IDEAS

    1. 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.
    2. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    3. Hanudin Amin, 2008. "Choice criteria for Islamic home financing: Empirical investigation among Malaysian bank customers," International Journal of Housing Markets and Analysis, Emerald Group Publishing, vol. 1(3), pages 256-274, August.
    4. Suddin Lada & Geoffrey Harvey Tanakinjal & Hanudin Amin, 2009. "Predicting intention to choosehalal products using theory of reasoned action," International Journal of Islamic and Middle Eastern Finance and Management, Emerald Group Publishing, vol. 2(1), pages 66-76, April.
    5. Ayesha Hamid & Omar Masood, 2011. "Selection criteria for Islamic home financing: a case study of Pakistan," Qualitative Research in Financial Markets, Emerald Group Publishing, vol. 3(2), pages 117-130, June.
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    Cited by:

    1. Kajenthiran. K & Achchuthan. S & Ajanthan. A, 2017. "A Quest for Seeking Microcredit among Youth: Evidence from an Emerging Nation in South Asian Region," Advances in Management and Applied Economics, SCIENPRESS Ltd, vol. 7(2), pages 1-8.

    More about this item


    Keywords: Islamic banking; musharakah mutanaqisah; home financing; survey; mortgage finance; Malaysia;

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance


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