Purpose This paper aims to examine the determinants that influence the customer’s adoption towards the use of family takaful scheme by extending diffusion theory of innovation (DOI) in the context of Pakistan. Design/methodology/approach The published work allied to takaful studies and DOI was reviewed. Total of 282 respondents who are non-users of family takaful product were used for the purpose of primary data collection through convenience sampling. Findings The customer’s adoption towards Islamic insurance is determined not only by perceived relative advantage and perceived compatibility but also by awareness and religious belief. Perceived complexity, on the contrary, turns out not to be a predictor of family takaful adoption. Further, gender, age and education do not moderate the family takaful adoption by the customers. Research limitations/implications This research alike others have limitations in terms of sampling method used and only covers one city of Pakistan, namely, Karachi. Further studies need to be conducted in other cities as well with a large population. Originality/value Extended DOI is not used in the context of takaful in Pakistan as evident from scarce literature on the empirical studies. Therefore, the authors extend the DOI in the current work. Further, this paper will be a useful reference guide for the academicians, operators of takaful business and future researchers.
Purpose The purpose of this study was to investigate the factors that influence the millennials’ intention to choose tawarruq home financing in Sandakan, Sabah, Malaysia. Design/methodology/approach The primary data were gathered via the questionnaire survey administered among Islamic banking customers in Sandakan, Sabah. Data obtained were analysed via multiple regression analysis using the software, Statistical Package for Social Sciences. Findings This study found that attitude, subjective norm, perceived behavioural control, religiosity and knowledge in muamalat had a positive significant relationship towards millennials’ intention to choose tawarruq home financing in Sandakan, Sabah. Research limitations/implications This study used the sample size by inviting over 150 participants who filled the questionnaires and the area of coverage for the current study was limited to Sandakan, Sabah, Malaysia. Besides, the contributions of this study were confined to those factors examined in the research’s conceptual framework. Practical implications The results obtained through this study can help muamalat practitioners in providing the best practice of tawarruq home financing in the locality at best. In addition, this study also helps to guide managers of Islamic banks to plan better offers of the facility among local folks. Originality/value This study integrated religiosity and knowledge in muamalat in explaining millennials’ acceptance of tawarruq home financing in Sandakan, Sabah, Malaysia.
This study examine the determinants that may predict the consumer’s intention to accept equity-based product, which is mushārakah mutanāqisah (MM) Islamic mortgage. Survey was conducted using multi-stage and purposive sampling. For the purpose of analysis structural equation modelling technique was used in current research. Moreover, 306 responses were gathered from users of MM Islamic mortgage. The theoretical framework of the current study was drawn upon the decomposed theory of planned behaviour (DTPB) because of its predictive power and robustness to base a model. The findings of the study revealed that behavioural intention appeared to have been directly and indirectly influenced by all constructs and above all most significant factors are Peers and perceived behaviour control. All the main beliefs, namely, attitude, subjective norm, perceived behaviour control, which are predicted by compatibility, relative advantage, peers and self-efficacy affects consumers’ intention to accept mushārakah mutanāqisah, MM home financing. The effect of pricing variable on intention was significant as well. Pricing variable is yet to be tested therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.
Purpose The purpose of this paper is to determine the factors that may influence customers’ acceptance of Islamic home financing and identify the possible moderator, which may be relevant using the decomposed theory of planned behaviour (DTPB) in the context of Malaysia and Pakistan. Design/methodology/approach Literature on Islamic mortgage and DTPB is reviewed in a bid to identify the determinants that may contribute to customers’ desire to participate in Islamic home financing. Findings The review indicates that customers’ acceptance of Islamic home financing is not only determined by the subjective norm, attitude, perceived behavioural control but also by the added construct of awareness and decomposed variables, namely, perceived compatibility, perceived relative advantage, peers influence and self-efficacy. In the context of the current study, the country is proposed as a moderator variable that may influence the relationship for customers’ acceptance of Islamic mortgages. Research limitations/implications In terms of conceptualising the model, only two countries are considered, which is Malaysia and Pakistan as categorical variables or moderators incorporated in DTPB. Originality/value Existing literature on Islamic mortgages makes it evident that DTPB is yet to be applied in the context of studying Islamic home financing. This study extends the application of DTPB in the context of customers’ acceptance of Islamic mortgages in two countries, Malaysia and Pakistan. This paper will be a helpful resource for future researchers, academicians and managers of Islamic banks at large.
Purpose This paper aims to examine the factors that drive the exporter’s influence toward halal meat supply chain adoption by encompassing the diffusion of innovation (DOI) theory in the context of Pakistan. Design/methodology/approach Using DOI as an underpinning theory, this study evaluates halal supply chain adoption by collecting data from the members of associations from Pakistan. A total of 258 useable responses were received, and PLS-SEM was adopted using SmartPLS. Findings The exporter’s adoption of the halal supply chain is determined not only by perceived relative advantage and perceived compatibility but also by perceived complexity, religious beliefs and awareness. Research limitations/implications Though this study has practical and managerial implications, it has few limitations. Further studies need to be conducted in other contexts as well with a larger population. Originality/value There are limited studies that have tested DOI theory in the context of the halal meat supply chain in Pakistan. Therefore, the author extends the diffusion theory of innovation in the current work. Further, this paper will be a helpful reference guide for academicians, practitioners and researchers.
This paper examines the factors that drive non-users of digital banking services rendered by Pakistani Islamic banks to adopt digital banking using the Diffusion theory of Innovation (DOI). We gather data from 208 Islamic bank customers who do not use digital banking services. Findings of the study reveal that adoption of digital services offered by Islamic banks are largely decided by relative advantage, technology self-efficacy and complexity. All the factors above are influential in determining the digital banking adoption by non-users. The finding serves as an essential input to banks and policy makers in expanding the adoption of digital banking services of Islamic banks.
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