Hanira Hanafi, Nor Hasniah Kasim and Syairah Diyana
Pertanika Journal of Tropical Agricultural Science, Volume 27, Issue 1, March 2019
Keywords: Awareness, consumer behaviour, demographic, understanding
Published on: 25 Mar 2019
Despite its rapid growth and expansion rates, Islamic banks are striving to compete with rivalling conventional banks that have longer history and stronger foothold in local industry. Therefore, the importance of determining the level of awareness and understanding of Islamic banking products are undeniable as Islamic banks offer products and services for Muslims and non-Muslims both. This paper examines the level of awareness and understanding of Malaysian citizens towards Islamic mortgage products, with respect to demographic factor. This study has employed the convenience sampling technique. Data collection had been conducted in four Malaysian states representing the entire peninsular Malaysia, which includes Klang Valley, Pahang (Kuantan), Kedah (Alor Setar) and Johor (Johor Bharu). Questionnaires numbering 809 had been deemed as valid and complete, and had subsequently been subjected to chi-square, t-test and ANOVA tests for data analysis purposes. The results have shown that there is no significant relationship between gender and the awareness of Islamic mortgage products. However, there are significant differences between different groups of age, gender, occupation, religious affiliation and income level in the context of understanding these products.
ISSN 1511-3701
e-ISSN 2231-8542