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Reconciling selection criteria of Islamic banking services: a survey on perception of Islamic bankers, institutional clients and retail customers in UAE

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dc.contributor.authorShinaj Valangattil Shamsudheen
dc.contributor.authorShamsher Mohamad Ramadili Mohd
dc.contributor.authorZiyaad Mahomed
dc.date.accessioned2022-05-29T10:08:03Z
dc.date.available2022-05-29T10:08:03Z
dc.date.issued2021
dc.description.abstractThis paper aims to investigate the differences in patronage factors influencing "retail customers" and "institutional clients" to bank Islamically and to identify the reasons bankers perceive that their customers' bank with them in the United Arab Emirates (UAE). A total of 237; 416; and 70 balanced responses were collected from Islamic bankers, retail customers and institutional clients of UAE, respectively. Weighted average scores were computed for ranking the selection criteria factors across the data set and paired comparison analysis was conducted to analyse the variation of selection criteria between the data sets. Empirical results indicate that Islamic banking practitioners maintain an identical perception with retail customers in relation to the selection criteria of Islamic banking products and services, with the "Shari'ah-compliance" factor dominating other factors under examination. With respect to the perception regarding institutional/corporate clients, Islamic bankers exhibited a divergent perception in connection with selection criteria of Islamic banking products and services and the factor "cost and affordability" and "rates and return" are prioritized above factor "Shari'ah-compliance". The scope of the study is limited to a single country. Hence, the finding of this study cannot be generalized to the other regions. Although the study covers a considerable sample from each segment, still there is an avenue for improvement by covering more respondents into the survey. Consequently, the results of this study should be read with these limitations. Further, analysis of the variation among intra divisions of each segment such as Muslim and non Muslim with respect to retail customers; the different level of management at the banks and focusing the specific sector of the industry is beyond the scope of this study. These directions provide avenues for future research.en_US
dc.identifier.citationShamsudheen, S. V., Mahomed, Z., & Ramadili Mohd, S. M. (2021). Reconciling selection criteria of Islamic banking services: a survey on perception of Islamic bankers, institutional clients and retail customers in UAE. Journal of Islamic Accounting and Business Research, 12 (1), pp. 112-130.en_US
dc.identifier.doihttps://doi.org/10.1108/JIABR-12-2019-0251
dc.identifier.issn1759-0817
dc.identifier.urihttps://ikr.inceif.org/handle/INCEIF/3584
dc.languageEnglish
dc.language.isoengen_US
dc.publisherEmerald Publishing Limiteden_US
dc.rights2021. Emerald Publishing Limited
dc.sourceSEDONA
dc.subjectPerceptionen_US
dc.subjectInstitutional clientsen_US
dc.subjectIslamic bankersen_US
dc.subjectIslamic banks in UAEen_US
dc.subjectReconciliation of selection criteriaen_US
dc.subjectRetail customersen_US
dc.titleReconciling selection criteria of Islamic banking services: a survey on perception of Islamic bankers, institutional clients and retail customers in UAEen_US
dc.typeJournal Articleen_US
dlc.maintopicIslamic bankingen_US
dspace.entity.typePublication
ikr.doctypeScholarly Works
ikr.topic.maintopicIslamic bankingen_US
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