Hanudin Amin

Predicting intention to choose halal products using theory of reasoned action

Purpose - Emphasis on the importance of Design/methodology/approach - A structured questionnaire was used to elicit responses from consumers using a convenience sampling technique. A total of 485 responses were received. Needless to say, this study extends the applicability of the TRA to study Findings - The findings indicated that the TRA is a valid model in the prediction of the intention to choose Research limitations/implications - The study contains a limited number of measures in the model. Nevertheless, it provides new information on the emerging issue of Practical implications - The results will be primarily beneficial to restaurants, fast food restaurants and small and medium enterprises in Malaysia by offering an insight into the intentions of consumers to choose Originality/value - The paper extends the understanding of TRA to newly emerging contexts such as

Determinants of customers' intention to use Islamic personal financing: The case of Malaysian Islamic banks

Purpose – Islamic banking and finance is an emerging global industry founded on Islamic ethical precepts. Just as in the case of conventional banks, Islamic banks are expected to offer products that consider the needs of their customers. The present study investigates the effects of the following factors: attitude; social influence; religious obligation; government support; and pricing, on the intention to use Islamic personal financing.Design/methodology/approach – The sample comprised of 150 customers of two fully fledged Islamic banks in Malaysia: Bank Islam Malaysia Berhad and Bank Muamalat Malaysia Berhad. Data were obtained through a face‐to‐face survey using semi‐structured questionnaire. Out of a total of 150 responses, only 136 responses were usable for further analysis. The study used factor analysis, correlation and regression to analyse the data.Findings – The study found three determinants to be significant in influencing the intention to use Islamic personal financing, namely, attitude, soci...

Factors affecting the intentions of customers in Malaysia to use mobile phone credit cards

Purpose – Mobile phones have provided an opportunity for banking institutions to introduce new services to the public. The latest service, which is now available in Malaysian banking institutions, is the mobile phone credit card. The purpose of this paper is to provide a preliminary investigation of the factors that determine whether Malaysias bank customers will use the new mobile phone credit card technology.Design/methodology/approach – This paper extends the applicability of the technology acceptance model (TAM) to mobile phone credit cards and includes “perceived credibility (PC)”, the “amount of information about mobile phone credit cards (AIMCs)” and “perceived expressiveness (PE)”, in addition to “perceived usefulness (PU)” and “perceived ease of use (PEOU)”.Findings – The results indicate that PU, PEOU, PC and the amount of information contained on mobile phone credit cards are important determinants to predicting the intentions of Malaysian customers to use mobile phone credit cards. However, P...

The determinants of consumer behavior towards email advertisement

Purpose – The aim of this study was to develop a theoretical model of email advertising effectiveness and to investigate differences between permission‐based email and spamming. By examining different types of email (i.e. permission‐based email and spamming), the present study empirically tested the theoretical linkage between email advertising values, perceived instrusiveness, and the attitudinal‐behavioural dispositions towards email advertising.Design/methodology/approach – A survey was conducted using 221 respondents from Taiwan. Two scenarios were designed for the present study. The questionnaires were equally divided into two sets, with the first half containing a scenario depicting permission‐based email, and the other half containing a scenario describing a spamming email. Each respondent only received one set of the survey.Findings – Results from a survey of 221 Internet users in Taiwan indicate that values and attitudes toward, and the perceived intrusiveness of, email advertising significantly ...

SMS Banking: Explaining the Effects of Attitude, Social Norms and Perceived Security and Privacy

This study aims to investigate the factors influencing the use of short‐messaging‐service (SMS) banking among Malaysian bank customers. It focuses on the relationships among attitude, subjective norm, perceived security and privacy (PSP) and intention to use SMS banking. We collected 115 valid survey responses. The data indicate that attitude, subjective norm, and PSP are influential predictors of intention to use SMS banking. Corresponding discussion and implications are included.

An integrative approach for understanding Islamic home financing adoption in Malaysia

Purpose – The purpose of this paper is to investigate the effects of subjective norm, relative advantage, simplicity, compatibility and perceived behavioural control on the Islamic home financing adoption. It also examines the effects of subjective norm, relative advantage, simplicity and compatibility on attitude. Analyses of attitude as a mediating factor are also provided. Design/methodology/approach – Survey data from 237 usable questionnaires are employed to test the hypothesized relationships. The proposed hypothesized relationships are examined using partial least squares (PLS). Similarly, PLS is also extended to analyse attitude as a potential mediator for the relationships between subjective norm, relative advantage, simplicity and compatibility with the Islamic home financing adoption. Baron and Kennys (1986) procedure is used to evaluate the role of attitude as a potential mediating factor in the researchs framework. Findings – This study discovers an integrative approach that is valid in the...

Theory of Islamic consumer behaviour : an empirical study of consumer behaviour of Islamic mortgage in Malaysia

Purpose – The purpose of this study is to propose a theory of Islamic consumer behaviour to explain the factors that influence the Islamic mortgage industry. Although previous works have shown that conventional marketing theories were, to a certain extent, able to predict factors influencing halal marketing and Islamic mortgage, these theories fail to capture or accommodate the Islamic perspectives of consumer behaviour. Conventional marketing theories have also been found to be inadequate to explain the Islamic mortgage preference among consumers. Design/methodology/approach – Drawing upon the Maqasid al-Shariah, this study develops an Maqasid al-Shariah index (MSI) and religious satisfaction (RS) for Islamic mortgage industry in Malaysia. These indexes are developed as the basis of the theory development in this setting. The model developed is later examined using survey data. Findings – This study reveals that education and RS are instrumental in determining the Islamic home financing preference. In co...

Consumer acceptance of Islamic home financing

Purpose - – This study aims to examine the factors influencing the consumer acceptance on Islamic home financing products amongst clients of Islamic banks. For the purpose, the study extends the theory of planned behaviour (TPB) in explaining the Islamic home financing adoption along. Further, the study also intends to analyze the effects of “Islamicity of product” and seven demographic factors on the consumer acceptance of Islamic home financing products. Design/methodology/approach - – Using the TPB model as a baseline theory, data are collected from bank customers in East Malaysia involving two cities, namely, Kota Kinabalu and Labuan, using self-administered questionnaires. A total of 300 questionnaires are distributed; however, only 278 are found usable. We use ordered probit model to analyze the effects of attitude, subjective norm, perceived behavioural control, Islamicity of product and demographic factors. Findings - – Using the ordered probit model, this study finds that attitude, subjective norm, perceived control and Islamicity of product are instrumental in determining the consumer acceptance of Islamic home financing products. Concerned with demographic items, the study finds that marital status, ethnic, occupation and religion are influential. It is also discovered, however, that gender, academic qualification and monthly income have little effects on the consumer acceptance. Research limitations/implications - – Three limitations are available for future studies. First, the current work does not include the experienced users who patronize Islamic home financing products. Second, the contribution of the present study is confined to the analyzed explanatory variables. Third, this study also has geographical constraint in which it is conducted in East Malaysia whilst samples from West-Malaysia are overlooked. These limitations, however, provide directions for further future research. Practical implications - – Essentially, this study is a pioneering effort in applying the TPB model to the new context of Islamic home financing products in Malaysia. The study integrates the effects of Islamicity of product and demographic factors on the consumer acceptance on Islamic home financing products. The TPB model is proven valid and is reliable in predicting the consumer acceptance on Islamic home financing products. Originality/value - – This study introduces Islamicity of product and demographic factors in explaining the consumer acceptance on Islamic home financing products. Most fundamentally, this study proposes a modified theoretical framework that is of paramount importance to predict the demand of Islamic home financing products in the future.

Determinants of Online Waqf Acceptance: An Empirical Investigation

This study explores the factors influencing the acceptance of online waqf, generally termed as Islamic e‐donations in Malaysia. The technology acceptance model (TAM) was used as a baseline theory. Questionnaire survey was conducted. The data of the survey were analyzed using Partial Least Square (PLS) approach. Results indicate that perceived usefulness, perceived ease of use, perceived religiosity and amount of information are instrumental in influencing ones decision to perform online waqf. Importantly, the results of this study will extend current knowledge on technology acceptance, and online waqf particularly. The results propagate valuable insights for Islamic banking institutions to introduce online waqf in the future where the factors analyzed could be used as a guideline for better planning and implementation of online waqf. Limitations and future researches are provided.

Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers

Purpose The purpose of this study is to investigate the effects of service quality, product choice and Islamic debt policy on consumer attitude within the context of Islamic mortgage sector in Malaysia. The present study also examines the effect of attitudinal-behaviour on consumer preference towards preference of Islamic mortgage selection. Design/methodology/approach The study is based on questionnaire survey. Data are collected using sample from customers of Islamic banks in Malaysia. The study collects 351 respondents. Data are analysed using partial least squares (PLS). Findings The results indicate that service quality, product choice and Islamic debt policy significantly influence consumer attitude, in turn, affecting the Islamic home financing preference. Consumer attitude also mediates the effects of service quality, product choice and Islamic debt policy on the Islamic home financing preference. Research limitations/implications Several limitations warrant future research. First, this study considers only a specific user group in one public university. Second, this study does not consider attitude as a moderator. Third, this study suffers from the limited number of factors used. These limitations, however, provide directions for future research. Practical implications Our results will add value to the consumer preference topic for Islamic home financing literature. The present study provides bank managers with valuable insights into better planning of Islamic home financing services in Malaysia. Originality/value This study is a pioneering effort at exploring consumer attitude and preference from the context of Islamic mortgage sector in Malaysia. The use of PLS analysis provides another important contribution to the literature in this area.