The Influence of Awareness, Knowledge, and Religiosity towards Public Perception of Islamic Banking Usage in Southwestern Afghanistan
DOI:
https://doi.org/10.21154/elbarka.v7i1.8287Abstract
High levels of awareness, knowledge, and religiosity are crucial factors in the banking industry, especially for the Sharia-based Islamic banking system. Although Afghanistan is an Islamic country, the participation in Islamic banking (IB) is relatively low, and the factors influencing people's perceptions remain unclear. Therefore, this paper aims to assess the impacts of awareness, knowledge, and religiosity on people's perceptions of using Islamic banking in the southwestern zone of Afghanistan. The study's findings indicate that awareness, knowledge, and religiosity significantly and positively affect people's perceptions in this region. From a policy-making perspective, several measures should be implemented to enhance banking selection criteria, maintain a top position in the market, and compete with conventional banks, which are losing market share due to a lack of awareness. Recommendations include increased investment in marketing and advertising by IB to inform people about their products and services. This approach will significantly contribute to the country's economic growth and the well-being and prosperity of its people.
References
Akbar, S., Zulfiqar Ali Shah, S., & Kalmadi, S. (2012). An investigation of user perceptions of Islamic banking practices in the United Kingdom. International Journal of Islamic and Middle Eastern Finance and Management, 5(4), 353”“370. https://doi.org/10.1108/17538391211282845
Akhtar, N., Toqeer, M., Zeeshan Pervez, M., Aslam, F., Muhammad, H., & Akhtar, A. (2016). Factors Influencing the Perception of Customers in Islamic Banking: A Case Study in Pakistan R M B R. International Review of Management and Business Research, 5(3), 2306”“9007.
Ayuni, N. W. D., & Sari, I. G. A. M. K. K. (2018). Analysis of factors that influencing the interest of Bali State Polytechnic’s students in entrepreneurship. Journal of Physics: Conference Series, 953(1). https://doi.org/10.1088/1742-6596/953/1/012071
Belwal, R., & Al Maqbali, A. (2019). A study of customers’ perception of Islamic banking in Oman. Journal of Islamic Marketing, 10(1), 150”“167. https://doi.org/10.1108/JIMA-02-2016-0008
de Theije, S. M., Sander, P. C., & Brombacher, A. C. (1998). Reliability tests to control design quality: A case study. International Journal of Quality and Reliability Management, 15(6), 599”“618. https://doi.org/10.1108/02656719810226528
El-Bassiouny, M. M. H. A.-Y. W. K. E. A.-A. N. (2015). Effect of Religiosity on Cunsumer Attitudes Toward Islamic Banking in Egypt Mariam Mourad Hussein Abou-Youssef Wael Kortam Ehab Abou-Aish Noha El-Bassiouny. International Journal of Bank Marketing, 33(6), 786”“807.
Florencio, G., Papelo, P., & Amin, H. (2019). Explaining Awareness of Islamic Banking System Among Mozambique ’ S People : an Empirical Test. Proceedings of the International Conference on Economics 2019, 2019(Ice), 46”“59.
Hirst, M. (1970). Building and operating a forecasting model: The regression analysis approach. European Journal of Marketing, 4(3), 121”“125. https://doi.org/10.1108/EUM0000000005189
Jayawardhena, C., & Foley, P. (2000). Changes in the banking sector - The case of Internet banking in the UK. Internet Research, 10(1), 19”“30. https://doi.org/10.1108/10662240010312048
Junaidi, J., Wicaksono, R., & Hamka, H. (2022). The consumers’ commitment and materialism on Islamic banking: the role of religiosity. Journal of Islamic Marketing, 13(8), 1786”“1806. https://doi.org/10.1108/JIMA-12-2020-0378
Kardoyo, Nurkhin, A., Muhsin, Mukhibad, H., & Aprilia, F. D. (2020). The effect of knowledge, promotion, and religiosity on intention to use Islamic banking sendees. International Journal of Financial Research, 11(2), 128”“135. https://doi.org/10.5430/ijfr.v11n2p128
Kebede, H. (2020). College of Business and Economics Department of Accounting and Finance Course Name : Banking Principles and Practices Course Code : AcFn 2113 By : College of Business and Economics Department of Accounting and Finance. April.
Khursheed, A., Fatima, M., & Mustafa, F. (2021). Customers’ Perceptions toward Islamic Banking in the Gulf Region. Turkish Journal of Islamic Economics, 8(1), 111”“135. https://doi.org/10.26414/a105
Mansoor Khan, M., & Ishaq Bhatti, M. (2008). Islamic banking and finance: on its way to globalization. Managerial Finance, 34(10), 708”“725. https://doi.org/10.1108/03074350810891029
Muhammad, Rizal, Aiffah, & Hashimah, N. (2015). Literature review on the knowledge of Islamic banking products among Muslim entrepreneurs. South East Asia Journal of Contemporary Business, Economics and Law, 6(3), 20”“24.
MUSSE, A. M. (n.d.). Non-Muslim Students in Selected Northern Universities of.
N.P., A. A. (2016). Emerging Trends in Islamic Finance UGC ID : 63975 Impact Factor - 5.87 AWARENESS AND PERCEPTIONS ABOUT ISLAMIC BANKING IN INDIA: A STUDY WITH SPECIAL REFERENCE TO ALIGARH DISTRICT. July, 19”“26.
Pratiwi, E. K., Medias, F., & Janah, N. (2020). Perception of Non-Muslim Religious Leaders to Islamic Financial Institutions. 436, 893”“896. https://doi.org/10.2991/assehr.k.200529.188
PRATÄ°WÄ°, Ä°. E., & AFFANDY, F. (2020). Knowledge and Perception of Muslim and Non-Muslim Customers in Papua Province Towards Islamic Banking. International Journal of Islamic Economics and Finance Studies, 336”“356. https://doi.org/10.25272/ijisef.693027
Rammal, H. G., & Zurbruegg, R. (2007). Awareness of Islamic banking products among Muslims: The case of Australia. Journal of Financial Services Marketing, 12(1), 65”“74. https://doi.org/10.1057/palgrave.fsm.4760060
Riaz, U., Khan, M., & Khan, N. (2017). An Islamic banking perspective on consumers’ perception in Pakistan. Qualitative Research in Financial Markets, 9(4), 337”“358. https://doi.org/10.1108/QRFM-03-2017-0020
Riege, A. M. (2003). Validity and reliability tests in case study research: A literature review with “hands-on” applications for each research phase. Qualitative Market Research: An International Journal, 6(2), 75”“86. https://doi.org/10.1108/13522750310470055
Saiti, B. (2015). The Awareness and Attitude towards Islamic Banking: A Study in Malaysia. Global Review of Islamic Economics and Business, 2(3), 172. https://doi.org/10.14421/grieb.2015.023-02
Syaifuddin, Andrie Yuswanto, & Hariri, A. (2022). The Influence of Brand Image, Awareness and Customer Satisfaction in Increasing Loaylity And Choosing Islamic Banking In Indonesia. East Asian Journal of Multidisciplinary Research, 1(4), 671”“690. https://doi.org/10.55927/eajmr.v1i4.400
Taylor, P. W. (1964). Test Methods to Establish Strength and Reliability. Aircraft Engineering and Aerospace Technology, 36(12), 388”“413. https://doi.org/10.1108/eb033959
Thao, N. T. P., Tan, N. Van, & Tuyet, M. T. A. (2023). Managerial Implications for Enhancing Working Motivation and Loyalty of Workers of Enterprises in Dong Nai Province. International Journal of Professional Business Review, 8(7), e02081. https://doi.org/10.26668/businessreview/2023.v8i7.2081
Unegbu, V. E., & Onuoha, U. D. (2013). Awareness and Use of Islamic Banking in Nigeria. Oman Chapter of Arabian Journal of Business and Management Review, 3(1), 57”“76. https://doi.org/10.12816/0002355
Yasin, M., Porcu, L., & Liébana-Cabanillas, F. (2020). Looking into the Islamic banking sector in Palestine: do religious values influence active social media engagement behavior? Journal of Islamic Marketing, 12(9), 1801”“1819. https://doi.org/10.1108/JIMA-10-2019-0201
Downloads
Published
Issue
Section
License
El-Barka: Journal of Islamic Economics and Business allow the author(s) to hold the copyright without restrictions and allow the author(s) to retain publishing rights without restrictions, also the owner of the commercial rights to the article is the author.
