The moderating effect of religiosity on customers' acceptance of Islamic micro finance in Kano State Nigeria

• Main Author: Yakubu, Surajo Musa
• Format: Thesis
• Language: English; English
• Published: 2021
• Subjects: BP Islam. Bahaism. Theosophy, etc; HG Finance
• Online Access: https://etd.uum.edu.my/9480/1/s96197_01.pdf; https://etd.uum.edu.my/9480/2/s96197_02.pdf; https://etd.uum.edu.my/9480/

Literature has recognized the acceptance of Islamic microfinance as a strategic management tool used by individual customers of Islamic microfinance in Kano State, Nigeria, to distinguish itself in service quality, customer- perceived value and corporate image. However, studies are limited on the relationship between service quality, customer -perceived value and corporate image. Nevertheless, the literature has yet to establish the moderating effect of religiosity on the relationship between service quality, customer- perceived value and corporate image. Based on a theoretical consideration, a model was proposed to examine these relationships and the study postulated 6 hypotheses. A quantitative approach and a cross-sectional design were adopted with a sample size of 360. Valid responses from 194 questionnaires were achieved and data was analyzed using the Statistical Package for Social Science (SPSS) for Windows version 22, and the Partial Least Square Structural Equation Model (PLS-SEM). The findings revealed that the direct relationship between service quality and customer- perceived value and acceptance of Islamic microfinance was supported. However, corporate image and acceptance of the Islamic microfinance reported an insignificant relationship. As postulated, the moderating effect of religiosity on the relationship between service quality and acceptance of Islamic microfinance was established in the study. However, the moderating effect of religiosity on the relationship among customer-perceived value, corporate image and acceptance of Islamic microfinance was not significantly established. The study contributes to the present literature, both in practice and theory. Research in the future may test the model in different country settings or organizations to add to the generalization of the findings