Attitudinal Differences of Malaysian Customers

This research emphasizes attitudinal difference of Malaysian customers about Islamic banking services. The banking service providers can gain excellent benefit from Islamic banking practices upon identification of these differences. A structured questionnaire was constructed to collect the necessary data to answer the research questions as being framed on related affective factors of attitudinal differences of consumers’ in Malaysia.

Don’t waste time! Our writers will create an original “Study of Attitudinal Differences of Malaysian Customers” essay for you

Create order

In this research we have employed independent sample ‘t’ test and ANOVA to test the hypotheses. Results showed that Malaysian consumers have positive attitude toward Islamic banking. Results of ‘t’ test showed significant attitudinal differences between males and females. In addition, the results of ANOVA showed significant attitudinal difference existed only between Malay and Chinese and between Chinese and Indian, while the overall attitudes of all three races were positive toward Islamic banking. One potential limitation of this study was the size and composition of the group which participated in the study. Therefore, a generalization about the entire population of Malaysian banking customers of banking sector is inappropriate. In addition, this research could not incorporate all levels of diverse attributes of Islamic banking that might influence customers’ behavior. The results of this study can facilitate the Islamic banking service providers to introduce new, innovative service offerings based on attitudinal differences and of course, in accordance with Islamic rules and regulation.


  • 1 Introduction
  • 2 Islamic Banking: Malaysian Scenario
  • 3 Literature Review
  • 4 Demographic Characteristics and Consumer Attitudes
  • 5 Services Attributes and Consumer Attitudes
  • 6 Religious Beliefs and Consumer Attitudes
  • 7 Theoretical Framework
  • 8 Methodology
  • 9 Results and Discussion
  • 10 Descriptions
  • 11 Frequency
  • 12 Percentage
  • 13 Cumulative (%)
  • 14 Gender:
  • 15 Age:
  • 16 Race:
  • 17 Education:
  • 18 Occupation:
  • 19 Monthly Income:
  • 20 Heard about Islamic Banking
  • 21 Have Account in Islamic Bank
  • 22 Descriptions
  • 23 Male
  • 24 Female
  • 25 Mean
  • 26 Std. Deviation
  • 27 Mean
  • 28 Std. Deviation
  • 29 t
  • 30 Sig
  • 31 Descriptions
  • 32 Malay
  • 33 Chinese
  • 34 Indian
  • 35 F
  • 36 Sig
  • 37 Mean
  • 38 Std. Deviation
  • 39 Mean
  • 40 Std. Deviation
  • 41 Mean
  • 42 Std. Deviation
  • 43 Descriptions
  • 44 Mean Difference
  • 45 Mean Difference
  • 46 Mean Difference
  • 47 Malay & Chinese
  • 48 Sig.
  • 49 Malay & Indian
  • 50 Sig.
  • 51 Chinese
  • 52 & Indian
  • 53 Sig.
  • 54 Conclusion
  • 55 Limitations


Attitude is an important aspect to understand or predict the behaviors of customers in some situation (Sethi, 2002). General attitudes are relatively good predictors of general behavioral likelihoods (Eagly and Chaiken, 1993). Furthermore, customer’s attitude toward a product or service is influenced by a match of the product or service user image with the customer’s self-concept (Ekinci and Riley, 2003; Sirgy et al., 1992; Wang and Heitmeyer, 2005). Results of the present study may help the Islamic banking service providers to find out the potential customers for expanding their services. So, it seems fundamental to understand the customers’ thinking or attitudinal behavior on how they perceive about the Islamic banking. “Islamic banking has become a substantial and fastest growing industry during the last four decades. It has followed the Islamic transactions rules and principles (Sharia’h) to carry out their businessâ€? (Henry and Wilson, 2004; Iqbal and Mirakhor, 2007; Dusuki and Abdullah, 2007). In accordance with Sharia’h principles, any payment or receipt of interest is strictly prohibited. Although, the Islamic bank also offered more or less similar products and services which are similar to those offered by a conventional bank, such as, current accounts, credit cards, investments in securities, cheque collection, etc. (Naser et al., 1999). There are now over 300 Islamic banks and financial institutions worldwide and the estimated assets of between US$200 – US$300 billion (Henry and Wilson, 2004; Ibrahim, 2006; Pollard and Samers, 2007). Furthermore, according to Pollard and Samers (2007) almost 25 percent of Islamic financial institutions now operate in countries that do not have Muslim majorities and interest-based banks have opened up “Islamic windowsâ€? to attract the growing number of Muslims living in Europe and North America. Nonetheless, Wilson (1995) states: “Islamic banking is no longer regarded as a business entity striving only to fulfill the religious obligations of the Muslim community, but more significantly, as a business that is ineluctably in need for winning over customers at the same time as retaining the old onesâ€? (Wilson, 1995; Dusuki and Abdullah, 2007). Hinting the rapid proliferation of Islamic Banking services, Bley and Kuehn, (2005) writes, “Islamic financial services sector is growing at double digit ratesâ€?. One of the emerging, fastest growing, and progressive Muslim nations, Malaysia has already gained significant global attraction of investment opportunities. Financial and capital markets have strong foothold in Malaysia which in turn, attracted investors to expand local and global banking facilities and the operation of the subsidiaries of multinational companies. In these positive turn of economic transformations, it is vital for the Islamic Banking service providers to know the psychological and/or behavioral attitudes of the potential Muslim, as well as, non-Muslim customers toward Islamic banking services that are currently available. Yet, knowledge about customers’ attitudinal differences towards Islamic banking is very scant and research to date is also limited. In this study an affirmative stance was taken to focus on these key issues that were perceived to be worth taking in the course of transforming Islamic banking services conducive to the development of customer satisfaction, better business relations, real growth, and future developments.

We are the Best!


275 words per page

You essay will be 275 words per page. Tell your writer how many words you need, or the pages.

12 pt Times New Roman

Unless otherwise stated, we use 12pt Arial/Times New Roman as the font for your paper.

Double line spacing

Your essay will have double spaced text. View our sample essays.

Any citation style

APA, MLA, Chicago/Turabian, Harvard, our writers are experts at formatting.

We Accept

Secure Payment
Image 3