Factors of customer's intention to use Ar-Rahnu at Post Office: A case study in Kedah

• Main Author: Nadiah Nabilah, Baharum
• Format: Thesis
• Language: English; English
• Published: 2014
• Subjects: HF5415.33 Consumer Behavior.
• Online Access: https://etd.uum.edu.my/4057/1/s814442.pdf; https://etd.uum.edu.my/4057/2/s814442_abstract.pdf; https://etd.uum.edu.my/4057/

Nowadays, the cost of living is increasing and most of the banking system has a strict procedure of financing. Both of these factors lead to the introduction of Ar-Rahnu in the financing field in Malaysia as one of the alternative ways for lower income group to borrow money quickly and easily without bear any higher cost of profit rate. This study aims to inspect the customer’s intention to use Ar-Rahnu @ POS in the state of Kedah since it is a new service provided by Malaysia Post Office. A survey comprised of 200 respondents was carried out. In addition, the use of syariah view, attitude, pricing and customer service as the factors will helps the researcher to find out the most factors that influence factor customer’s intention to use Ar-Rahnu @ POS. A structured question was designed where the data was analyzed by using t-test, ANOVA, correlation and multi regression analysis. Results show that syariah view, attitude, pricing and customer service are significantly important determinants to predict customer’s intention to use Ar-Rahnu @ POS. The result from multiple regression shows that the most influencing factor is a customer service. Recommendation for the future research is security and confidentiality can be used as one of the determinants to predict customer’s intention to use Ar-Rahnu @ POS. In conclusion, this study is useful for the Post Office to planning better Ar-Rahnu service for their customers in order to attract more customers to use their service.