Abdul Hadi, Lina Nadhirah and Osman, Amirul Faiz (2018) Determinants factor of Islamic Mortgage Inclination. In: 2nd UUM International Islamic Business Management Conference (IBMC 2018), 8 - 9 May 2018, Intercontinental Hotel, KL, Malaysia.

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Abstract

Nowadays, household are unable to purchase a house at the market price because they have to face many difficulties. They need to undergo lot of procedures and conditions applied to obtain loan from the financial institution to support their affordability to buy a house. This research aims to investigate the determinants factor of consumer attitude, perceived risk, service quality, product choice and Islamic debt policy towards Islamic mortgage inclination. In this research, samples were taken from 310 respondents of civil servants in Kubang Pasu district, Kedah. The methodology used in this research are t-test, one-way ANOVA, Pearson Coefficient and Multiple Regression to investigate which factor determine Islamic mortgage inclination. The finding of this study shows that there is a significant relationship between consumer attitude, perceived risk and product choice towards Islamic mortgage inclination. Thus, this research provides useful information to community and the bank managers by increasing their level of confidence towards Islamic mortgage financing. From this study, the researchers also suggest Islamic bank managers to give greater emphasis in marketing, operational and customer service to ensure employees provide the best services to their customers and achieve customer satisfaction

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	Consumer attitude, consumer finance, Islamic mortgage financing, Islamic debt policy
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Islamic Business School
Depositing User:	Mdm. Sarkina Mat Saad @ Shaari
Date Deposited:	12 Oct 2024 13:10
Last Modified:	12 Oct 2024 13:10
URI:	https://repo.uum.edu.my/id/eprint/31361

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