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首页> 外文期刊>International journal of bank marketing >An integrative approach for understanding Islamic home financing adoption in Malaysia
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An integrative approach for understanding Islamic home financing adoption in Malaysia

机译：了解马来西亚采用伊斯兰住房融资的综合方法

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Purpose - The purpose of this paper is to investigate the effects of subjective norm, relative advantage, simplicity, compatibility and perceived behavioural control on the Islamic home financing adoption. It also examines the effects of subjective norm, relative advantage, simplicity and compatibility on attitude. Analyses of attitude as a mediating factor are also provided. Design/methodology/approach - Survey data from 237 usable questionnaires are employed to test the hypothesized relationships. The proposed hypothesized relationships are examined using partial least squares (PLS). Similarly, PLS is also extended to analyse attitude as a potential mediator for the relationships between subjective norm, relative advantage, simplicity and compatibility with the Islamic home financing adoption. Baron and Kenny's (1986) procedure is used to evaluate the role of attitude as a potential mediating factor in the research's framework. Findings - This study discovers an integrative approach that is valid in the case of Islamic home financing. The paper's results, however, have not supported the effect of compatibility on attitude towards Islamic home financing preference and it is also reported that attitude does not mediate for the relationship between compatibility and the Islamic home financing adoption. Research limitations/implications - This study, however, suffers from three limitations which further stimulate new researches in this area. First, this research does not consider additional measures to capture Islamic home financing adoption. Second, this study discovers attitude does not mediate the relationship between compatibility and the Islamic home financing adoption. Third, there is a possibility that attitude also serves as a moderator, however, but it is presently unconsidered. Practical implications - This study has several implications for Islamic banks to develop proper planning for Islamic home financing products. Those implications are provided. Originality/value - This study is the first research in Islamic home financing's area to integrate two models namely the theory of planned behaviour (the TPB) and the innovation diffusion theory (the IDT) in a single research in order to expound Islamic home financing adoption. This study contributes to the literature by examining an integrative approach for understanding Islamic home financing adoption in Malaysia.
机译：目的-本文的目的是研究主观规范，相对优势，简单性，兼容性和感知的行为控制对采用伊斯兰住房融资的影响。它还检查了主观规范，相对优势，简单性和兼容性对态度的影响。还提供了态度作为中介因素的分析。设计/方法/方法-使用来自237个可用问卷的调查数据来检验假设的关系。建议的假设关系使用偏最小二乘（PLS）进行检查。同样，PLS还扩展为分析主观规范，相对优势，简单性和与伊斯兰房屋融资采用之间的关系的潜在中介者的态度。 Baron和Kenny（1986）的程序用于评估态度作为研究框架中潜在中介因素的作用。调查结果-这项研究发现了一种综合方法，在伊斯兰房屋融资方面是有效的。但是，该论文的结果并未支持兼容性对伊斯兰住房融资偏好态度的影响，并且据报道，这种态度并不能调解兼容性与采用伊斯兰住房融资之间的关系。研究局限性/含义-但是，该研究存在三个局限性，这进一步刺激了该领域的新研究。首先，这项研究没有考虑采取其他措施来获取伊斯兰住房融资。其次，这项研究发现态度不能调解兼容性与伊斯兰家庭融资采用之间的关系。第三，态度有可能同时起到调节作用，但目前尚未考虑。实际意义-这项研究对伊斯兰银行为伊斯兰住房融资产品制定适当的计划具有若干启示。提供了这些含义。原创性/价值-这项研究是伊斯兰住房融资领域中的第一项研究，该研究在单个研究中整合了计划行为理论（TPB）和创新扩散理论（IDT）这两种模型，以阐明伊斯兰住房融资的采用。这项研究通过考察了解马来西亚伊斯兰家庭融资采用的综合方法，为文献做出了贡献。

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