The relationship between consumers' religiosity and risk perceptions surrounding the use of SNS

Baazeem, Thamer; Bougoure, Ursula; Neale, Larry

doi:10.1504/ijsei.2013.052758

Cited by 2 publications

(1 citation statement)

References 0 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Moreover, religiosity emerged, as hypothesized, as a major driver of depositors to pursue their banking relationship with a favorable attitude. In a similar vein, Baazeem (2015) has pointed out that religious customers are usually seeking for peace of mind while evaluating a financial offer regardless of the cost incurred in terms of time, money and effort. Although its significant influence, religiosity lies in the second position after subjective norms, while theoretically, religiosity is expected to emerge as the main inhibitor.…”

Section: Discussionmentioning

confidence: 99%

Deposit withdrawal intentions of profit-sharing investment depositors: evidence from Morocco

Rhoudri

Benazzou²

2022

JIMA

View full text Add to dashboard Cite

Purpose The purpose of this study is to examine the factors affecting deposit withdrawal intentions among Moroccan profit-sharing investment account holders. Design/methodology/approach Applying the push-pull-mooring (PPM) theory, a quantitative survey, based on insights brought to light by a previous qualitative study, was developed and administered to 166 depositors from five participatory banks at branches located in Morocco. Structural equation modeling was then used to evaluate the significance of relationships between the various variables under study. Findings Empirical findings showed that the PPM model with a second-order construct structure exhibited a better representation of the observed variables as compared to a first-order factor model. The results of the structural analysis indicated a significant direct relationship between withdrawal intention and each of the PPM model constructs: push and pull factors were found to have a positive impact on withdrawal intention, while mooring factors had a significant inverse relationship with withdrawal intention. The results of this study also revealed that the moderating role of the mooring construct was found in both relationships between push and withdrawal intention and between pull and withdrawal intention. Research limitations/implications The absence of a longitudinal study measuring the actual withdrawal behavior is the main limitation of this study. Furthermore, withdrawal intention was examined without differentiating between individual and corporate depositors. Finally, despite being insightful, the empirical findings should be generalized with caution, as the sample was purposely chosen by the banks’ management. Practical implications This study implied that participatory banks should stress the importance of mooring factors, as they strongly inhibit depositors’ intention to shift their funds to the conventional banking system. Moreover, this study provides great indications to Moroccan regulators and policymakers on a number of issues that can be used to develop policies that could improve the participatory banking system. Originality/value To the best of the authors’ knowledge, this study represents the first attempt to confirm the effectiveness of the PPM model in examining depositor-withdrawal intentions. This study is also the first of its kind to address profit-sharing investment depositors’ apprehensions in the Moroccan context, to the best of the authors’ knowledge.

show abstract

Section: Discussionmentioning

confidence: 99%