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

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

摘要

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