The Determinants of Selecting Islamic Banks From the Point of View of Their Individual Customers at the State of Kuwait: An Empirical Study

بشير, محمد (2013) The Determinants of Selecting Islamic Banks From the Point of View of Their Individual Customers at the State of Kuwait: An Empirical Study. Masters thesis, جامعة الشرق الاوسط.

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Abstract

The study aimed to identify the determinants of selecting Islamic banks from the point of view of their individuals customers in the State of Kuwait. The study population consisted of all Kuwaiti Islamic banks in 2013, The researcher selected a random sample of customers of Islamic banks consisting of 120 individuals. The researcher relied on primary data colleced through a questionnaire. The study found the following results: − There are statistically significant relation (at the 0.05≥α level) between the religious motivation and the choice of selecting Islamic banks. − There is statistically significant relation (at the level 0.05≥α level) between the role of family and friends and the role of having breaches, and the choice of selecting islamic banks, this relation was found not to be significant in relation to the role of service quality and service privacy in selecting islamic banks. − There is no statistically significant relation between some demographic (including the religion of residence, profession, age, education, and monthly income) and the choice of selecting islamic banks. م Although some statisticaly significancant relations were observed as mentioned above, in most cases the significances was only moderate. This merits consideration by banks as to its possible reasons. The study recommended the following: − to operate Islamic banks in spreading religious awareness among the customer group has to show what distinguishes the banking services of the advantages of religious, since about 70% of the individuals targeted in the study find that banking services in Islamic banks represent feature religious and that about 30% of them do not re that adequate attention was not chosen for these banks as a result of the religious motive. − work on improving the quality of service as banking results did not show a relationship between the customer's choice of the Islamic Bank as a result of the level of quality of service. − reconsider the level of banking service prices as Target does not see individuals in this study any reason to choose an Islamic bank as a result of a price advantage, there is no price advantage any relationship in their choice. − increased interest of banks to renew prescriptions financial statements and reports related to customer accounts to raise the proportion of approval to the best levels.

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