L’objectif principal de cette étude est de comprendre les facteurs explicatifs de la réticence des agents économiques camerounais (les professionnels de la finance et les clients potentiels des produits et services financiers islamiques) envers la finance islamique. Plusieurs théories ont été mobilisées pour appréhender ces déterminants, notamment la théorie de la diffusion des innovations, la théorie du cycle de vie du produit, et la théorie de la résistance au changement. Les résultats de la régression logistique mobilisée dans le cadre de cette étude montrent que des raisons psychologiques, organisationnelles et juridiques expliquent la réticence des agents économiques camerounais envers la finance islamique ; tandis que l’influence des raisons politiques et économiques est moindre et non significative sur cette attitude vis-à-vis de cette forme d’intermédiation financière. Par ailleurs, il apparaît que la mesure à adopter dans le cas du Cameroun pour une meilleure attitude vis-à-vis de la finance islamique reste la sensibilisation des acteurs économiques et du public en général sur ce phénomène.
Purpose The perception of Islamic finance by its various stakeholders is not always reconcilable. Its foundations and attributes are subject to a plurality of perceptions making it almost impossible to reach a consensus about them. This paper aims to understand the perception of Islamic finance by bank employees in Cameroon. Design/methodology/approach This research follows the interpretativist paradigm and is qualitative and exploratory in nature. The data are collected through semi-structured face-to-face interviews with bank employees, mainly branch managers. These interview data are analysed using the thematic analysis method. Findings Bank employees in Cameroon perceive Islamic finance as a finance that: targets everyone, regardless of religion, but Muslims first (Islamic finance is both inclusive and exclusive); offers original products and services; has a religious anchor that may hinder non-Muslim economic agents; has many advantages, mainly for financial institutions, and some limitations for financial institutions and their customers; is full of opportunities for its stakeholders; and is not yet fully practiced in Cameroon. Originality/value This study mobilises a qualitative approach, provides new insights into the research on the perception of Islamic finance and reaches a consensus on the perception of certain aspects and attributes of Islamic finance, namely, for the perception of the target and the Shariah compliance of Islamic finance. Furthermore, this study is a pioneering effort to understand bank employees’ perception of Islamic finance in non-Islamic and developing countries where Islamic finance is underdeveloped.
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