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Heterogeneous Bank Offerings against Homogeneous Customer Reflection

While having the term “Islamic” banking, Malaysian banks operates their businesses using the rules and principles of Sharia’h. Due to the increase in housing development projects in Malaysia as a whole, the application of housing loan increases as well. As both conventional banks and Islamic banks o...

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Main Author: Raman, Arasu
Format: Article
Published: Taiwan Institute of Business Administration 2015
Subjects:
HF Commerce
Online Access:http://eprints.intimal.edu.my/599/
http://www.jtiba.com/
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spelling my-inti-eprints.5992016-11-14T03:04:24Z http://eprints.intimal.edu.my/599/ Heterogeneous Bank Offerings against Homogeneous Customer Reflection Raman, Arasu HF Commerce While having the term “Islamic” banking, Malaysian banks operates their businesses using the rules and principles of Sharia’h. Due to the increase in housing development projects in Malaysia as a whole, the application of housing loan increases as well. As both conventional banks and Islamic banks offer housing loan products, some researchers pointed out those customers in Malaysia are satisfied with the housing loan provided by the Islamic banks while a few researchers commented that customers in Malaysia are not happy with the Islamic housing financing provided by the local banks. Therefore, this study aimed at discovering the influences of customer delight on Islamic housing loan in Malaysia. In this quantitative study, 250 questionnaires distributed to the respondents in the bank space. Out of which 220 valid feedbacks were collected hence factor analysis with reliability tests were conducted before using multiple regression for data analysis. The results pointed out that the service quality, product quality, and trusts are all delighting customers of Islamic housing loan in Malaysia in general context. The study validates the fact that customer satisfaction in general is homogeneous regardless to Islamic or conventional mode of offerings by the banks. Therefore, Malaysian banks when it comes to property financing should blend their marketing offering and keep the “Islamic” term of financing as a brand or mode as optional rather the only means. Taiwan Institute of Business Administration 2015 Article PeerReviewed Raman, Arasu (2015) Heterogeneous Bank Offerings against Homogeneous Customer Reflection. Academy of Taiwan Business Management Review, 11 (3). pp. 123-131. ISSN 1813-0534 http://www.jtiba.com/
institution INTI International University
building INTI Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider INTI International University
content_source INTI Institutional Repository
url_provider http://eprints.intimal.edu.my
topic HF Commerce
spellingShingle HF Commerce
Raman, Arasu
Heterogeneous Bank Offerings against Homogeneous Customer Reflection
description While having the term “Islamic” banking, Malaysian banks operates their businesses using the rules and principles of Sharia’h. Due to the increase in housing development projects in Malaysia as a whole, the application of housing loan increases as well. As both conventional banks and Islamic banks offer housing loan products, some researchers pointed out those customers in Malaysia are satisfied with the housing loan provided by the Islamic banks while a few researchers commented that customers in Malaysia are not happy with the Islamic housing financing provided by the local banks. Therefore, this study aimed at discovering the influences of customer delight on Islamic housing loan in Malaysia. In this quantitative study, 250 questionnaires distributed to the respondents in the bank space. Out of which 220 valid feedbacks were collected hence factor analysis with reliability tests were conducted before using multiple regression for data analysis. The results pointed out that the service quality, product quality, and trusts are all delighting customers of Islamic housing loan in Malaysia in general context. The study validates the fact that customer satisfaction in general is homogeneous regardless to Islamic or conventional mode of offerings by the banks. Therefore, Malaysian banks when it comes to property financing should blend their marketing offering and keep the “Islamic” term of financing as a brand or mode as optional rather the only means.
format Article
author Raman, Arasu
author_facet Raman, Arasu
author_sort Raman, Arasu
title Heterogeneous Bank Offerings against Homogeneous Customer Reflection
title_short Heterogeneous Bank Offerings against Homogeneous Customer Reflection
title_full Heterogeneous Bank Offerings against Homogeneous Customer Reflection
title_fullStr Heterogeneous Bank Offerings against Homogeneous Customer Reflection
title_full_unstemmed Heterogeneous Bank Offerings against Homogeneous Customer Reflection
title_sort heterogeneous bank offerings against homogeneous customer reflection
publisher Taiwan Institute of Business Administration
publishDate 2015
url http://eprints.intimal.edu.my/599/
http://www.jtiba.com/
_version_ 1644541250376826880
score 13.211869

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