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Islamic mortgage adoption: examining the moderating effects of Islamic altruism

Khadijah M. Sayuti (Labuan Faculty of International Finance, Jalan Sungai Pagar 87000 , Universiti Malaysia Sabah, Labuan International Campus Labuan, Labuan Federal Territory, Malaysia)
Hanudin Amin (Labuan Faculty of International Finance, Universiti Malaysia Sabah Kota Kinabalu Malaysia)

Journal of Islamic Marketing

ISSN: 1759-0833

Article publication date: 29 September 2021

Issue publication date: 24 June 2022

561

Abstract

Purpose

Using the theory of planned behaviour (TPB) as an analytical framework, this paper aims to investigate the direct effects of attitude, subjective norm, perceived behavioural control, price fairness and Islamic altruism. It also explores how these path linkages can be moderated by Islamic altruism.

Design/methodology/approach

Data are gathered via survey questionnaires on 287 Muslim bank customers in major cities of East Malaysia. The data are then tested using partial least squares.

Findings

The results show that attitude, subjective norm, perceived behavioural control, price fairness and Islamic altruism are significantly influenced by Muslim bank customers’ intention to choose Islamic home financing products. Islamic altruism is also found to significantly moderate the relationship between price fairness and behavioural intention.

Research limitations/implications

Three limitations are available for future research that include the geographical restriction, respondents’ selection and a limited number of battery items used.

Practical implications

Essentially, the results of this study serve as a guide for Islamic bank managers or mortgage providers to improve their pertinent marketing strategies, which are vital to enhancing the acceptance rate of Islamic mortgage.

Originality/value

This study extends the TPB model by incorporating price fairness and Islamic altruism into the Islamic home financing context.

Keywords

Citation

Sayuti, K.M. and Amin, H. (2022), "Islamic mortgage adoption: examining the moderating effects of Islamic altruism", Journal of Islamic Marketing, Vol. 13 No. 8, pp. 1728-1750. https://doi.org/10.1108/JIMA-11-2018-0219

Publisher

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Emerald Publishing Limited

Copyright © 2021, Emerald Publishing Limited

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