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Factors affecting intention to adopt Islamic financing: Evidence from Morocco
Omar Boubker1,2, Khadija Douayri3, Abdelaziz Ouajdouni4
1Higher School of Technology, Ibn Zohr University, Laayoune, Morocco.
Methodsx
|November 10, 2021
Summary
Micro-businesses in Morocco face financing challenges. Islamic financing adoption is driven by religious obligation, reputation, social influence, positive attitude, and perceived control, fostering financial inclusion.
Area of Science:
- Business and Economics
- Financial Inclusion Studies
Background:
- Microenterprises are vital to Morocco's economy but face significant financing obstacles.
- Islamic financial institutions offer a potential solution for fostering financial inclusion.
- Understanding adoption determinants is crucial for promoting Islamic financing.
Purpose of the Study:
- To explore the key determinants influencing the intention to adopt Islamic financing among Moroccan micro-businesses.
- To identify factors that encourage or hinder the uptake of Islamic financial products by small business owners.
Main Methods:
- Utilized data collected via face-to-face interviews with Moroccan micro-business owner-managers in March 2021.
- Employed partial least squares (PLS) analysis to examine the relationships between variables.
Main Results:
- Religious obligation and Islamic financing reputation positively influence attitude towards Islamic financing.
- Subjective norms, attitude, and perceived behavioral control significantly impact the intention to adopt Islamic financing.
Conclusions:
- Islamic financing adoption in micro-businesses is influenced by a combination of religious, reputational, social, and personal control factors.
- Findings can inform Islamic bank managers in developing targeted marketing strategies to boost adoption rates.
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