Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers
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 towar...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Emerald Publishing Limited
2017
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| Subjects: | |
| Online Access: | https://eprints.ums.edu.my/id/eprint/19153/1/Consumer%20attitude%20and%20preference%20in%20the%20Islamic%20mortgage%20sector.pdf |
| _version_ | 1796909812646150144 |
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| author | Hanudin Amin Abdul Rahim Abdul Rahman Dzuljastri Abdul Razak Hamid Rizal |
| author_facet | Hanudin Amin Abdul Rahim Abdul Rahman Dzuljastri Abdul Razak Hamid Rizal |
| author_sort | Hanudin Amin |
| collection | UMS |
| description | 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. |
| first_indexed | 2024-03-06T02:55:10Z |
| format | Article |
| id | ums.eprints-19153 |
| institution | Universiti Malaysia Sabah |
| language | English |
| last_indexed | 2024-03-06T02:55:10Z |
| publishDate | 2017 |
| publisher | Emerald Publishing Limited |
| record_format | dspace |
| spelling | ums.eprints-191532018-03-16T04:15:32Z https://eprints.ums.edu.my/id/eprint/19153/ Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers Hanudin Amin Abdul Rahim Abdul Rahman Dzuljastri Abdul Razak Hamid Rizal HG Finance 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. Emerald Publishing Limited 2017 Article PeerReviewed text en https://eprints.ums.edu.my/id/eprint/19153/1/Consumer%20attitude%20and%20preference%20in%20the%20Islamic%20mortgage%20sector.pdf Hanudin Amin and Abdul Rahim Abdul Rahman and Dzuljastri Abdul Razak and Hamid Rizal (2017) Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers. Management Research Review, 40 (1). pp. 95-115. ISSN 2040-8269 https://doi.org/10.1108/MRR-07-2015-0159 |
| spellingShingle | HG Finance Hanudin Amin Abdul Rahim Abdul Rahman Dzuljastri Abdul Razak Hamid Rizal Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title | Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title_full | Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title_fullStr | Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title_full_unstemmed | Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title_short | Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers |
| title_sort | consumer attitude and preference in the islamic mortgage sector a study of malaysian consumers |
| topic | HG Finance |
| url | https://eprints.ums.edu.my/id/eprint/19153/1/Consumer%20attitude%20and%20preference%20in%20the%20Islamic%20mortgage%20sector.pdf |
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