Open Access Article

Behavioral Intentions and Determinants of Consumer Preference for Islamic Banks in Faisalabad

Authors

Noreen Riaz(1) Noreen Riaz Affiliation MPhil Scholar, Government College University, Faisalabad Other articles by this author , Hazoor Muhammad Sabir(2) Hazoor Muhammad Sabir Affiliation Professor, Government College University, Faisalabad Other articles by this author , Anam Shehzadi(3) Anam Shehzadi Corresponding author Affiliation Lecturer, Government College University, Faisalabad Email addressanamshehzadi@gcuf.edu.pk Other articles by this author

  1. MPhil Scholar, Government College University, Faisalabad
  2. Professor, Government College University, Faisalabad
  3. Lecturer, Government College University, Faisalabad

https://doi.org/10.36923/jcmi.v6i2.649

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Abstract

The current study analyzed the Behavioral Intentions and determinants of consumer preferences about Islamic Banking in Faisalabad. The primary data for this study is collected from 230 consumers in 2024 from different Islamic Banks in Faisalabad region. To estimate the consumer’s preferences and satisfaction about Islamic banking, the study employs binary logistic regression model. The variable of consumer preference is dependent variable and in binary form. Moreover, awareness of Islamic banking, perceived sharia compliance and, trust in Islamic institutions are main independent variables of the study. According to the estimated results, the variable of respondent education, knowledge about the profit margin on Islamic bank, Awareness about service quality, insurance policy according to Shariah laws, leasing policy according to Shariah laws, deposit policy according to Shariah laws, bank charges, shows positive and significant relationship with the consumer preferences. Regarding demographic variables, the age of respondents, urban and rural region, marital status, gender, religion show positive but insignificant relation with the consumer preferences. On this research provide some suggestions and policy recommendations for concerned policy maker based on customer satisfaction and Knowledge in Islamic banking and shariah compliance.

Article information

Keywords
Behavioral IntentionsConsumer PreferencesIslamic BankingConsumer SatisfactionShariah LawsSharia Compliance
Section
Articles
Issue
Vol. 6 No. 2 (2025)
Submitted
August 19, 2025
Accepted
November 23, 2025
Published
December 10, 2025
Corresponding author
Anam Shehzadi
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