Islamic Banking in Jordan and Jordanian Customers, Attitudinal differences Study * (original) (raw)

European Journal of Economics, Finance and Administrative Sciences

This research emphasizes attitudinal difference of Jordanian customers about Islamic banking services. The banking service providers can gain excellent benefit from Islamic banking practices upon identification of these differences. A structured questionnaire was constructed to collect the necessary data to answer the research questions as being framed on related affective factors of attitudinal differences of consumers' in Jordan. In this research we have employed independent sample 't' test and analysis of variance (F-test) to test the hypotheses. Results showed that Jordanian consumers have positive attitude toward Islamic banking. Results of 't' test showed significant attitudinal differences between males and females. In addition, the results of F-test showed significant attitudinal difference existed between Zarqa, Irbid, Jarash, Tafiela, and Aqaba, while the overall attitudes of all governorates were positive toward Islamic banking. One potential limitation of this study was the size and composition of the group which participated in the study. Therefore, a generalization about the entire population of Jordanian banking customers of banking sector is inappropriate. In addition, this research could not incorporate all levels of diverse attributes of Islamic banking that might influence customers' behavior. The results of this study can facilitate the Islamic banking service providers to introduce new, innovative service offerings based on attitudinal differences and of course, in accordance with Islamic rules and regulation.