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Chaouch, Naoel

doi:10.25272/j.2149-8407.2017.3.2.01

Cited by 10 publications

(3 citation statements)

References 13 publications

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“…It is important to note that moral issues are closely related to social accountability and morality. Generally, religions require people not to engage in immoral activities [60]. For that reason, ethical issues are fundamental determinants of an individual's intent to adopt a new system, especially in a diverse religious country such as Iraq.…”

Section: Moderating Effect Of Internet Ethicsmentioning

confidence: 99%

Sustainable Adoption of E-Government from the UTAUT Perspective

2022

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This paper attempts to study the sustainable adoption of e-government services in northern Iraq. The well-known unified theory of acceptance and use of technology (UTAUT) is applied and extended to study citizens’ behavior regarding e-government services. A quantitative technique was utilized to gauge the efficiency of the model. Overall, 371 replies were received through distributing samples. SPSS software was used for the data evaluation. Two extra constructs were introduced in the study, i.e., “Trust of system (TOS)” and “Ethics of Internet (EOI)”, into the original UTAUT as the theoretical extension. The findings indicate that all constructs have a significant influence on the intention to use e-government services. Moreover, the EOI moderates the effects of TOS on social impacts (SI), performance expectancy (PE), and behavior intention (BI). The results also indicated that there were statistically significant differences in the demographic characteristics of age, educational level excluding gender, and behavioral intention to use e-government services. The study’s results support most of the hypotheses. The results contribute to a better knowledge of the factors affecting the sustainable adoption of e-government in northern Iraq.

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Section: Moderating Effect Of Internet Ethicsmentioning

confidence: 99%

Sustainable Adoption of E-Government from the UTAUT Perspective

2022

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“…Academic studies on consumer behavior with reference to interest-free financing have been continuing since 1989 (Haron et al, 1994;Amin, 2008;Lee & Ullah, 2011;Åström, 2013;Chaouch, 2017). When we look at the studies done in Muslim countries around the world, it is seen that there are basically three factors in choosing an interest-free institution as a financing tool in some of the studies.…”

Section: Mesut Ucarmentioning

confidence: 99%

Do Interest-Free Financial Organizations Offer Fair Prices to Their Customers?

Uçar¹

2022

jepr

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This study seeks to observe whether or not the financial instruments offered by the interest-free financial institutions cause a dilemma in generating fair prices for the consumers. Additionally, it also attempts to provide a comparative framework towards cost-free and accessible financial offers in terms of loaning by both conventional and participation banks. As part of the study, a 34-item questionnaire has been drafted to identify the consumer behaviors within the framework of a theory of fair consumer behavior. To test the validity and reliability of the scale, exploratory factor analysis and cronbach alfa tests were utilized. Based on the findings in the test, 28 items were included in the analysis. Subsequently, multiple regression analysis was performed between four factors identified in conjunction with the exploratory factor analysis. The results confirm the hypotheses offered for the theory of fair consumer behavior. In other words, the study concludes that the interest-free financial institutions, serving as alternatives to the interest-based financial system, attract the fair financial system perceptions of the consumers not just because they offer interest-free products and services, but also because of additional factors.

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“…Perceptions of Islamic banks are also seen from physical aspects such as service quality, price, and transparency for profit sharing (Iffah, 2018). An exploration from (Chaouch 2017) reveals that there is a positive public perception of Islamic banks, but dissatisfaction with the transparency of profit-sharing is found in some customers. When compared to conventional banks, Islamic bank customers have an attitude of service quality that is much better than traditional bank customers (Ali, 2018), Islamic bank customers perceive physical evidence and guarantees as to the most significant components of service quality, while conventional bank customers perceive guarantees.…”

Section: Literature Reviewmentioning

confidence: 99%

Perception of Sharia Banks Comparison Between Baby Boomers Generations and Millennial Generations

2020

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The objectives of this study are 1) To find out the description of the perception of baby boomers about sharia banking; 2) To find out the description of millennial generation perceptions about Islamic banking; 3) To find out how to compare the perception of the two generations of Islamic banks. This writing uses a Descriptive Statistics Method that seeks to illustrate how phenomena that occur when conducting research. Data collection is done through the distribution of questionnaires/questionnaires by directly plunging into the field and given to the elderly and productive age communities. It was testing the research hypothesis using the Maan-Whitney U Test. This research shows that (1) the Baby boomers generation understands well about sharia banking, both in terms of knowledge, religiosity, profit sharing, facilities/services, and location of sharia banking. (2) Millennials better understand Islamic banking, both in terms of knowledge, religiosity, profit sharing, facilities/services, and location of Islamic banking. However, after testing the hypothesis, it was found that there were no differences in the perceptions of the two generations.

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Untitled

Cited by 10 publications

References 13 publications

Sustainable Adoption of E-Government from the UTAUT Perspective

Sustainable Adoption of E-Government from the UTAUT Perspective

Do Interest-Free Financial Organizations Offer Fair Prices to Their Customers?

Perception of Sharia Banks Comparison Between Baby Boomers Generations and Millennial Generations

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