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Factor influencing the perception of customer toward Islamic banking: A case study in Alor Gajah, Melaka / Amirul Irfan Wisam

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UNIVERSITI TEKNOLOGI MARA

FACTOR INFLUENCING THE

PERCEPTION OF CUSTOMER

TOWARD ISLAMIC BANKING: A

CASE STUDY IN ALOR GAJAH,

MELAKA

AMIRUL IRFAN BIN WISAM

Academic Writing submitted in partial fulfilment of the

requirements for the degree of

Bachelor in Muamalat

Academy of Contemporary Islamic Studies

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AUTHOR'S DECLARATION

I declare that the work in this academic writing was carried out in accordance with the regulations of Universiti Teknologi MARA. It is original and is the results of my own work, unless otherwise indicated or acknowledged as referenced work. This academic writing has not been submitted to any other academic institution or non-academic institution for any degree or qualification.

I, hereby, acknowledge that I have been supplied with the Academic Rules and Regulations for Under Graduate, Universiti Teknologi MARA, regulating the conduct of my study and research

Name of Student Student ID No Programme Faculty Thesis Signature of Student Date

: Amirul Irfan bin Wisam

:2014252284

: Bachelor in Muamalat- IC210

: Academy of Contemporary Islamic Studies

: Factor Influencing the Perception Of Customer Toward Islamic Banking: Case Study in Alor Gajah, Melaka

k..

: January 2018

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ABSTRACT

The banking system not success due to certain factors like awareness regarding Islamic banking system when the Islamic banking was start in 1963 in Malaysia. Then new Islamic bank Dubai Islamic bank was established in 1975. Today approximately 100 banks are operating without interest, but the market of Islamic banking system is low as compared to conventional banking system. The reasons of this research are to check the impact of knowledge and awareness, online banking, advertising and service quality on the perception of customers toward Islamic banking system in Alor Gajah. For this purpose, survey is used which consist of 88 Muslims respondent in different Islamic bank in Alor Gajah, Melaka. Result of this study indicates that there is a significant perception criterion regarding Islamic banking system (IBS). The data is analysed by using SPSS software version. Mostly respondent know about the Islamic banking product and service but they are not used these product and service. This study indicates that there is need to educate the people about IBS and more work are still required to compete with conventional banking system in Malaysia.

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TABLE OF CONTENTS

Page

CONFIRMATION BY PANEL OF EXAMINERS ii

AUTHOR'S DECLARATION iii

ABSTRACT iv ACKNOWLEDGEMENT v

TABLE OF CONTENTS vi LIST OF TABLES xi LIST OF FIGURES xiii LIST OF ABBREVATIONS xiv

CHAPTER ONE: INTRODUCTION 1

1.1 Introduction 1

1.2 Background of Study 1

1.1.1 Definition of Islamic Banking 1

1.1.2 The current situation of Islamic Banking 2

1.2 Problem Statement 4 1.3 Objective of Study 5 1.4 Research Question 5 1.5 Hypothesis Testing 5 1.4.1 Null Hypothesis 5 1.4.2 Alternative Hypothesis 6 1.6 Hypothesis Statement 6 vi

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1.7 Scope of the Study 7

1.8 Significant of Study 7

1.8.1 Benefits to the Researcher 8

1.8.2 Benefits to the Academicians 8

1.8.3 Benefits to the Students 8

1.8.4 Benefits to the Government and Banking Sector 8

1.8.5 Benefits to the public 9

1.8 Limitation of the Study 9

1.8.1 Information Constraint 9

1.8.2 Lack of Previous Research 9

1.8.3 Time Constraint 10

1.8.4 Financial Constraint 10

CHAPTER TWO: LITERATURE REVIEW 11

2.1 Introduction 11

2.2 Introduction to Islamic Banking 11

2.3 Islamic Banking Principles 13

2.2.1 The Prohibition of Interest (riba) Based Transactions 14

2.2.2 The Prohibition of Uncertainty (Maysir) and Chance (Gharar) 15

2.2.3 The Prohibition of Illegal (haram) Activities 15

2.2.4 Payment of Zakat from Part of the Banks' Profit for Socio-Economic Justice 16

2.2 Perception of Customer toward Islamic Banking 16

2.3 Knowledge and Awareness about Islamic Banking 18

References

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