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Using Theory of Reasoned Action to Model the Patronisation Behaviour of Islamic Banks? Customers in Malaysia

机译:使用合理行动理论来模拟伊斯兰银行的光顾行为?马来西亚客户

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The main purpose of this study is to explore the factors that influence the intention to adopt Islamic banking services in Malaysia using Theory of Reasoned Action as a model. The paper used primary data collected through survey method. The questionnaires were distributed to 350 Islamic banks? customers in Malaysia. The data were then analysed using Structural Equation Modelling. The results suggest that both behavioural belief and evaluation of outcome have a positive effect on the attitude towards Islamic banking services. At the same time, normative belief and motivation to comply were found to have a positive impact on the subjective norm. Finally, both attitude towards Islamic banking services and subjective norm were found to have a positive impact on the intention to adopt Islamic banking services in the context of Malaysia. The findings of the current study imply that Islamic banks in Malaysia should be more active in portraying themselves in real and good image of the Islamic banking practice in their operation. Establishing a good image plays significant role in determining the attitude of the customers about Islamic banking services. Furthermore, the banks should focus on the group influence as part of their strategy to strengthen the image and popularity of the Islamic banking practice in Malaysia.
机译:这项研究的主要目的是以理性行动理论为模型,探讨影响在马来西亚采用伊斯兰银行服务的意图的因素。本文使用通过调查方法收集的原始数据。问卷已分发给350家伊斯兰银行?马来西亚的客户。然后使用结构方程模型分析数据。结果表明,行为信念和结果评估都对伊斯兰银行服务态度产生积极影响。同时,人们发现规范的信念和遵守的动机对主观规范有积极的影响。最后,发现对伊斯兰银行服务的态度和主观规范都对在马来西亚范围内采用伊斯兰银行服务的意图产生了积极影响。当前研究的结果表明,马来西亚的伊斯兰银行应更积极地将自己描绘成伊斯兰银行业运作中的真实和良好形象。建立良好的形象在确定客户对伊斯兰银行服务的态度方面起着重要作用。此外,银行应将重点放在集团的影响上,作为其战略的一部分,以增强伊斯兰银行业在马来西亚的形象和知名度。

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