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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Article
Author(s)
Nabila El jed
Kaouther Zenaidi
Chokri El Fidha
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DOI:10.17265/1537-1506/2017.10.001
Affiliation(s)
Manouba University, Manouba; Tunis El Manar University, Tunis, Tunisia
University of Hail, Hail, Kingdom of Saudi Arabia; Tunis El Manar University, Tunis, Tunisia
Tunis University; Tunis El Manar University, Tunis, Tunisia
ABSTRACT
Recently,
Islamic banks have been presented as an alternative to conventional banks. Indeed,
Islamic banks have proved their worth during the 2009 crisis. They are known like
an ethical bank. In Tunisia, only three Islamic banks exist. Even the conventional
banks are interested to offer Islamic banking products and services; they are called
Islamic banking window. This paper aims to determine the level of acceptance of
Islamic banking window on Tunisian consumers and the impact of the social professional
category on it. The research questions as follows: Are the consumers familiar with the financial Islamic products?
Did they perceive any differences between conventional and Islamic financial products?
What are the levels of acceptance of an Islamic banking product offered by a conventional bank?
In this respect, a questionnaire
was administrated to a sample size of 120 people constituted of 54% men and 46%
women from Tunis City. Three types of social professional category are found: 62% employee,
32% senior, and 6% profession. The data were processed by SPSS 21. The results showed
that the majority of the respondents have a lack of knowledge of the Islamic banking
products. The majority of the respondents don’t see any differences between the
product name of conventional and Islamic banking products. The acceptance level
of an Islamic banking product offered by a conventional bank is very satisfying,
53% of the respondents are certain to purchase an Islamic banking product from a
conventional bank and 42% are not sure. Only 5% refused.
KEYWORDS
Islamic banks, Islamic banking windows, social professional category, acceptance level
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