Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan
Some clients focus on the service quality, associated risk and the financial impact of the bank whereas other clients prefer to select the bank on the basis of their religiosity. The main objective of this study is to explore the reasons of the bank selection by the clients. This study also tries to...
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| Format: | Article |
| Language: | Arabic |
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Bahauddin Zakariya University
2021-02-01
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| Series: | Pakistan Journal of Islamic Research |
| Subjects: | |
| Online Access: | http://pjir.bzu.edu.pk/website/journal/article/6024c41a458fe/page |
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| author | Muhammad Abbas Taliya Naeem Muhammad Amir |
| author_facet | Muhammad Abbas Taliya Naeem Muhammad Amir |
| author_sort | Muhammad Abbas |
| collection | DOAJ |
| description | Some clients focus on the service quality, associated risk and the financial impact of the bank whereas other clients prefer to select the bank on the basis of their religiosity. The main objective of this study is to explore the reasons of the bank selection by the clients. This study also tries to explore the impact of the rationality and religiosity on the adoption of Islamic banks in the presence of the perception that both banks are similar. We applied mixed method approach. At first stage, in-depth interviews were conducted for the qualitative judgment of the problem and then quantitative approach was used by collecting data through questionnaires. Structural equation modeling was applied by using AMOS and SPSS. Results indicate that both religiosity and rationality have positive impact on selection of Islamic banks but, in the presence of rationality, religiosity is having insignificant influence. Perception about the similarity of both types of banks reduces the impact of religiosity on adoption of Islamic banks. However, this perception does not have any impact on the relationship of rationality with adoption of Islamic banks because the rational clients don’t bother about the similarity of bank types. |
| format | Article |
| id | doaj-art-422f99792bf544f4bd2a9810d5ec2632 |
| institution | DOAJ |
| issn | 2070-0326 2618-0820 |
| language | Arabic |
| publishDate | 2021-02-01 |
| publisher | Bahauddin Zakariya University |
| record_format | Article |
| series | Pakistan Journal of Islamic Research |
| spelling | doaj-art-422f99792bf544f4bd2a9810d5ec26322025-08-20T03:13:35ZaraBahauddin Zakariya UniversityPakistan Journal of Islamic Research2070-03262618-08202021-02-012016024c41a458feRole of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of PakistanMuhammad Abbas0Taliya Naeem1Muhammad Amir2Assistant Professor, Air University Islamabad, Multan Campus.MS. Scholar, Air University Islamabad, Multan Campus.Assistant Professor, Department of Commerce, Bahauddin Zakariya University, Multan.Some clients focus on the service quality, associated risk and the financial impact of the bank whereas other clients prefer to select the bank on the basis of their religiosity. The main objective of this study is to explore the reasons of the bank selection by the clients. This study also tries to explore the impact of the rationality and religiosity on the adoption of Islamic banks in the presence of the perception that both banks are similar. We applied mixed method approach. At first stage, in-depth interviews were conducted for the qualitative judgment of the problem and then quantitative approach was used by collecting data through questionnaires. Structural equation modeling was applied by using AMOS and SPSS. Results indicate that both religiosity and rationality have positive impact on selection of Islamic banks but, in the presence of rationality, religiosity is having insignificant influence. Perception about the similarity of both types of banks reduces the impact of religiosity on adoption of Islamic banks. However, this perception does not have any impact on the relationship of rationality with adoption of Islamic banks because the rational clients don’t bother about the similarity of bank types. http://pjir.bzu.edu.pk/website/journal/article/6024c41a458fe/pageRationalityReligiosityIslamic BankingSimilarity Perception |
| spellingShingle | Muhammad Abbas Taliya Naeem Muhammad Amir Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan Pakistan Journal of Islamic Research Rationality Religiosity Islamic Banking Similarity Perception |
| title | Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan |
| title_full | Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan |
| title_fullStr | Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan |
| title_full_unstemmed | Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan |
| title_short | Role of Religiosity, Rationality and Similarity Perception in Adoption of Islamic Banking: A Case of Pakistan |
| title_sort | role of religiosity rationality and similarity perception in adoption of islamic banking a case of pakistan |
| topic | Rationality Religiosity Islamic Banking Similarity Perception |
| url | http://pjir.bzu.edu.pk/website/journal/article/6024c41a458fe/page |
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