Qualitative Study in Identifying Factors Affecting the Behavior of Muslim Generation Y Towards Islamic Home Financing Products in Malaysia

Nik, Mohd Fadhil, Nik Mohammad, Nik Mohd Fadhil, Siti Salwani Razali, Marhanum Che, Mohd Salleh
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引用次数: 1

Abstract

House is the most important basic need for the human survival, however many individuals especially those who are categorised in the category of generation Y still do not acquire a house due to various factors. It is quite a normal practice for most of home-buyers in Malaysia to purchase a house through banking institutions. However, as a Muslim, it is an obligation to purchase and acquire a house through Islamic financial institutions (IFIs) as it is accordance to the Shariah principle. The objective of the study is to qualitatively identify factors affecting the behavior of Muslims generation Y in Malaysia towards Islamic home financing products. Apparently, it is found that religious belief, profit rate, offer and promotion, and fast service (loan approval) are factors in affecting Muslims generation Y in choosing Islamic home financing products. Afterwards, the study proposed to integrate the findings (identified factors) with the theory of Attitude-Behavior-Context (ABC). The study findings are expected to contribute significantly to the theory, methodology, and empirical practices.
马来西亚穆斯林Y世代对伊斯兰家庭融资产品行为影响因素的定性研究
房子是人类生存最重要的基本需求,然而许多人,特别是那些被归类为Y一代的人,由于各种因素仍然没有获得房子。对于马来西亚的大多数购房者来说,通过银行机构买房是一种很正常的做法。但是,作为穆斯林,根据伊斯兰教法的原则,必须通过伊斯兰金融机构(IFIs)购买房屋。本研究的目的是定性地确定影响马来西亚穆斯林Y世代对伊斯兰家庭融资产品行为的因素。显然,我们发现宗教信仰、利润率、报价和促销、快速服务(贷款审批)是影响穆斯林Y一代选择伊斯兰家庭理财产品的因素。随后,本研究提出将这些发现(识别因素)与态度-行为-情境(ABC)理论相结合。本文的研究成果将在理论、方法和实证实践方面做出重要贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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