Using Theory of Reasoned Action to Model the Patronisation Behaviour of Islamic Banks’ Customers in Malaysia

Factors Influencing the Yemeni Customers’ Intention to Adopt Takaful Products

“…Hence, hypothesis 4 is rejected. This contradicts the findings of Taylor and Todd (1995), Echchabi and Olaniyi (2012), Al-Majali and Nik Mat (2010), Puschel et al (2010), and Teo and Pok (2003. This implies that the Yemeni customers' decision to purchase either type of insurance policies is not subject to social groups influence, but rather individualistic in nature, which complies with the nature of the Yemeni population as aforementioned.…”

“…The model was updated and adjusted in the subsequent empirical studies, depending on the respective fields. In the specific area of Islamic banking, Islamic finance, or takaful, the studies have identified uncertainty, social influence and awareness as potential determinants of Islamic banking and takaful products adoption (Abdullah and Abdul Rahman 2007;Thambiah et al 2010;Echchabi and Olaniyi 2012;Rammal and Zurbruegg 2007). Particularly, uncertainty is often considered a major obstacle to the adoption of innovations (Sahin 2006), as the latter remains relatively new at the early stages and its nature and features remain not fully known by the potential adopters.…”

Exploring the Impediments Faced by the Banking Customers to Adopt Islamic Banking Services in Pakistan

“…Finally, socio-cultural circumstances in various countries can facilitate or impede adoption of both conventional and Islamic banking services. Different studies have discovered that individuals choice to obtain Islamic banking services was effected by their primary reference group members e.g., friends and family (e.g., Echchabi & Olaniyi, 2012;Zainuddin, Jahyd, & Ramayah, 2004). It implies that social influence has potential to enhance customers intention to utilize Islamic banking services (Amin, 2013;Alam, Janor, Zanariah, & Ahsan, 2012;Echchabi et al, 2015).…”

Pengaruh destination image dan subjective norm terhadap biat berkunjung wisata sunan ampel surabaya

“…Penyebab niat berkunjung selanjutnya adalah subjective norm. Subjective norm memiliki pengaruh yang signifikan dalam menentukan niat untuk mengadopsi layanan perbankan syariah (Echchabi dan Olaniyi, 2012). Subjective norm adalah persepsi seseorang mengenai tekanan sosial untuk melakukan atau tidak melakukan perilaku (Peter dan Olson, 2010).…”