Factors Influencing Consumers Acceptance of Islamic Home Financing Services

Chapter 1: Introduction
1.1
1.2
1.3

Background of the Study

Problem statement
Research questions

Based on the research background and problems, this study attempts to answer the following
research questions:
i) What is the actual usage level of Islamic home financing services?
ii) Does intention to use influence actual use behaviour?
iii) Do attitude, subjective norm, perceived behavioural control and perceived risk influence
intention to use?
iv)What are the antecedent factors that influence attitude, subjective norm, perceived
behavioural control and perceived risk?
1.4

1.5
1.6
1.7
1.8

Research objectives
a. to develop a clear understanding of Tawarruq practises from the Islamic banks and
experts in Islamic home financing
b. to determine the customers acceptance of Tawarruq and their perceptions and
expectations of Islamic home financing and its prospects in the future.
Significance of study
Scope of study
Definition of key term
Organization of the proposal

Chapter 2: Literature Review

2.1

Introduction

This chapter starts with the definition and conceptualization of home financing and overview
of the relationship between behavioural intention and actual usage. Previous related
literatures leading to the development of the theoretical framework and empirical findings
relating to each construct will be explored. Then, this chapter reviews the related
underpinning theories as the basis of this study. Particularly, literature concerning actual use,
behavioural intention, attitude and the antecedents (i.e. perceived usefulness, perceived ease
of use, compatibility, perceived image, personal innovativeness and perceived enjoyment),
subjective norm (i.e. friends, family and media), perceived behavioural control (i.e. selfefficacy, resource facilitating condition and technology facilitating conditions) and perceived
risk (i.e. perceived security and perceived privacy) will be reviewed. Finally, the chapter also
illustrates the research framework and discuss the proposed hypotheses formulated in this
study.
2.2
2.3
2.4
2.5
2.6
2.7

Definition and conceptualization of financing

Previous study on acceptance
Underpinning theories
Research framework
Hypotheses
Summary

Chapter 3: Research Methodology

3.1
3.2
3.3
3.4
3.5
3.6
3.7

Research design
Research instrument development
Population and sample size
Sampling size
Data collection procedure
Plan data analysis
Summary

Appendices
Appendix A: Research Questionnaire
List of Tables
Table No.

Title of Table

Page

Title of Figure

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List of Figures
Figure No.

List of Abbreviations
Abbreviation