The Effect of Bank Attributes and Customer Characteristics on Bank Selection Decisions "An Empirical Investigation of Islamic Bank Customers in Egypt”

نوع المستند : تجاریة کل ما یتعلق بالعلوم التجاریة

المؤلفون

1 کلية إدارة الأعمال، جامعة الدلتا للعلوم والتکنولوجيا، المنصورة، مصر

2 قسم الإدارة، کلية التجارة، جامعة المنصورة، مصر

المستخلص

            Over the past five decades, Muslims all over the world have been trying to restructure their lives on the basis of Islamic principles. The Islamic financial system is itself founded and regulated on the same Sharia'a principles as the overall economy and society (Iqbal, 1997). These dictate the nature of contracts traded the design of institutions to support the market, and the regulation of participants’ behavior. Individuals within an Islamic financial system will be subject to behavioral norms, which give rise to very different assumptions to those that form the basis of regulation in western markets. Therefore, the purpose of this study is to investigate the impact of bank attributes and customer characteristics on Islamic bank selection decisions. This is a survey-based study conducted on a sample of Islamic bank customers in Egypt.. Primary data were collected using a structured questionnaire. In total eighteen variables - identified from the literature -were found to have an impact on bank selection decisions.. This list of variables was reduced to ten main variables using factor analysis. Data are gathered from 384 customers of Islamic bank customers in Egypt, Two types of analyses were conducted: descriptive analysis and statistical analysis.  Mann Whitney and Kruskal Wallis tests were conducted to evaluate the impact of customer demographics on their bank selection decisions. In addition, Stepwise Multiple Regression was also conducted to evaluate the impact of bank attributes and customer chacteristics on Islamic bank selection decisions. The results reveal that: “Religious Commitment ” and “Bank Reputation"  are perceived to be the most important factors affecting Islamic bank selection decisions. The results also show that " Perceived  Degree of Bank Safety " ,  “Diversity of Services  Offered by Bank” and the “Return on Investment". are found to have an important impact on customer Islamic bank selection decisions.

الكلمات الرئيسية

الموضوعات الرئيسية

ملفات

شارك

إرسال الاستشهاد إلى

الإحصائيات