The Perspective Of Muslims And Nonmuslims Towards Islamic House Financing- A Case Study Of Hong Leong Bank And Hong Leong Islamic Bank Customers

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dc.contributor.authorAbd Aziz, Noriza
dc.date.accessioned2018-02-08T06:59:54Z
dc.date.available2018-02-08T06:59:54Z
dc.date.issued2017-05
dc.description.abstractThe main purpose of this study was to identify and determine the level of awareness and understanding and also to explore the differences in perception and attitude, between Muslim and non-Muslim customers towards Islamic house financing in Hong Leong Bank Berhad and Hong Leong Islamic Bank Berhad. This study had also focused on the effect of promotion and service that attract and influence the decision-choice of Muslim and non-Muslim customers towards Islamic banking products, especially Islamic house financing. Several earlier studies had found that despite a relatively long history of exposure to Islamic banking system among Malaysian public, awareness, perception and understanding of Muslim and non- Muslim customers of Islamic banking products are still minimal. Previous studies have found that the majority of Muslim customers subscribed to Islamic banking products as a result of their religious awareness on the importance of avoiding the interest-based banking activities offered by conventional banks. These studies also found that Islamic banking products were chosen by non-Muslim customers on the basis of quality of service and reputation of the banks. This study had focused on the customers of HLBB and HLIB. These banks are owned and managed by non-Muslim and the banking group is the second largest Chinese-owned bank in Malaysia. HLBB was the 3rd bank granted an Islamic bank license by BNM to open an Islamic banking subsidiary, HLIB (Salahuddin Ahmed, 2006). A total of 500 questionnaires were distributed at HLBB and HLIB branches in Kangar (Perlis), Alor Star, Jitra and Kulim (Kedah), Loan Centre in Bandar Sunway Seberang Jaya and George Town Light Street (Penang) and Bangsar (Kuala Lumpur). However, only 402 questionnaires were returned completed. A descriptive study had been carried out on a total of 41 items in the questionnaire. These items were grouped into five main variables – perception, awareness, understanding, promotion and service. SPSS 20.0 was used for data analysis. Primary data was used in this study comprised of the self-administered questionnaire. Factor Analyses were used to measure the validity and normality of all the questions asked in the survey (Bartlett’s test and Kaiser-Meyer-Olkin test – with result greater than 0.6). Reliability Test, using Cronbach’s Alpha, was applied to examine the level of consistency. Descriptive analysis was undertaken to identify the respondent’s demographic background. SSPS version 20.0, cross tabulation and One-Way Anova analyses were used to measure the differences between Muslim and non-Muslim customers.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/5504
dc.language.isoenen_US
dc.publisherUniversiti Sains Malaysiaen_US
dc.subjectThe perspective of muslims and nonmuslimsen_US
dc.subjecttowards islamic house Financingen_US
dc.titleThe Perspective Of Muslims And Nonmuslims Towards Islamic House Financing- A Case Study Of Hong Leong Bank And Hong Leong Islamic Bank Customersen_US
dc.typeThesisen_US
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