Posted by Kathryn Schwartz on November 12, 2013


In overall, the respondents for this study comprised of 87% Malay followed by 6% Chinese, 5% Indian and 2% other ethnics. 87% of the respondents are Muslim whereas 13% of them are non-Muslim respondents. Based on gender, there are 43 male and 57 female respondents involved in this study. 54% of the respondents fall into the age group between 26 to 35 years old. Meanwhile, 12% of the respondents are of the age between 25 years old and below. 19% of them are between 34 to 46 years old while 15% are of the age group of 46 years old and above. Respondents were also grouped according to their education level or qualification. 27% of the respondents received education until PMR or SPM level. Meanwhile, 30% of the respondents completed their education until certificate or diploma level. The biggest group is the group by which the respondents are university graduates (degree / masters) which gives the percentage of 42%. Only 1% of the respondents have other education qualification. In term of monthly income, majority of the respondents (60%) earn between RM1, 500-RM3, 000 every month. Thus, it can be concluded that most of the respondents are classed into the middle-income group. Hence, this study will generate good results because the overall population profile in Penang is made up of the middle-income group.

Table 1.1 : Consumer and non-consumer of Islamic banking
table1Do Civil Servants Accept Islamic_decrypted-2

Based on the table, it can be deduced that majority of the respondents with no regard of race and religion have used Islamic banking system. 75% of the respondents of different backgrounds have already used the banking system while 25% of them are not.

Table 1.2 : Result of multiple regressions
table2Do Civil Servants Accept Islamic_decrypted-3

From the above table, the factors that influence the respondents’ decision whether to deal or not with the Islamic banking system are of 0.729. This value proved that the factors that have been used by the Islamic banking system will influence the customers to use services provided by them. In contrast, the knowledge on the existence of Islamic banking system is the lowest, of 0.041. In addition, the shown Darbin-Watson value is 2.266. Based on the F test, this value lies between 1.50 to 2.50. Thus, R square value is significant at confidence level of 0.00 (p < 0.05).

Result showed that 94% of the respondents are willing to accept Islamic banking system as an alternative or substitute to the conventional banking system whereas 6% of the respondents are not. This suggests that the respondents have given positive feedback towards Islamic banking system.

Table 1.3 : Level of acceptance of Islamic banking system as alternative or substitute to the conventional banking system
table3Do Civil Servants Accept Islamic_decrypted-4

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