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Factors Influencing the Adoption of Islamic Banking in Malaysia

机译:影响马来西亚采用伊斯兰银行业务的因素

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A nation’s economic success is largely dependent on the performance of their banks as they play a major role in regulating its financial sector to stability and cohesion by acting as an intermediary to various parties such as individuals, organizations and governments to conduct their borrowing and depositing activities. The quality of services provided by the banks will influence how these parties benefit and consumers would choose the bank that they perceive will result in the most benefit. In Malaysia, a larger percentage of the population are employing conventional banks compared to Islamic banks due to factors such as unfamiliarity of products and services and inadequate marketing. This study examine the factors influencing adoption of Islamic Banking in Selangor. A quantitative research approach is employed in this research following the positivist assumption with a realist ontology and objectivist epistemology. Data was collected using a probabilistic sampling method, particularly a stratified random sampling technique. The adapted survey questionnaire employed in this study and distributed 150 questionnaire and successfully received 130 questionnaire. Overall, the researcher has discussed about the findings of the analysis that was conucted using the SPSS software. Descriptive approach, correlation and multiple regression analysiss had been shown during the analysis. The descriptive approach displayed direct results while the correlation displayed the relationship between the dependent variable (adoption of Islamic Banking) and the independent variables (compatibility, consumer knowledge, risk perception/management and consumer satisfaction). In this research, found two factors that influencing adoption of Islamic Banking in Malaysia which are consumers knowledge and consumer satisfaction. For the future researchers, this research will benefit them as well. If they are doing their researches which are related to this topic, they can gather everything they want easily. Besides that, it will benefit the researcher who is going to do this research study in Malaysia. This is because the information in Malaysia is limited.
机译:一个国家的经济成功很大程度上取决于其银行的业绩,因为它们通过充当个人,组织和政府等各方的中介机构来进行其借贷和存款活动,从而在调节其金融部门的稳定和凝聚力方面发挥着重要作用。 。银行提供的服务质量将影响这些各方受益的方式,而消费者选择他们认为会带来最大利益的银行。在马来西亚,由于产品和服务不熟悉以及营销不足等因素,与伊斯兰银行相比,雇用传统银行的人口比例更高。这项研究探讨了影响雪兰莪州采用伊斯兰银行业务的因素。在这项研究中,采用了具有现实主义本体论和客观主义认识论的实证主义假设的定量研究方法。使用概率抽样方法(尤其是分层随机抽样技术)收集数据。在本研究中使用的改编的调查问卷分配了150份问卷,并成功收到130份问卷。总体而言,研究人员讨论了使用SPSS软件进行分析得出的结论。分析过程中显示了描述性方法,相关性和多元回归分析。描述性方法显示直接结果,而相关性显示因变量(采用伊斯兰银行业务)与自变量(兼容性,消费者知识,风险感知/管理和消费者满意度)之间的关系。在这项研究中,发现影响伊斯兰银行在马来西亚采用的两个因素是消费者知识和消费者满意度。对于未来的研究人员来说,这项研究也将使他们受益。如果他们正在做与此主题相关的研究,他们可以轻松地收集他们想要的一切。除此之外,它将有益于打算在马来西亚进行这项研究的研究人员。这是因为马来西亚的信息有限。

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