Determinant Factors Muslim’s Intention To Use Islamic Cooperative Products And Services : A Case Study In Southern Thailand.

Abstract

Today more than 7000 cooperatives exist in Thailand and offer many different products. By existence of Islamic cooperatives, particularly in the southern region, which offers Islamic cooperative products and services based on Shari’ah principles which are completely different from the conventional ones. Conventional products are based entirely on lending and works on the regime of interest which is prohibited by Islamic laws (Shari’ah). This research aims to investigate the relationship between attitude, subjective norms, perceived behavioural control, level of knowledge and religiosity with Muslim’s intention to use Islamic cooperative products and services. In addition, this study also hopes to identify the most influential factors that affect Muslim’s intention to use Islamic cooperative products and services, too. Theory of plan behaviour (TPB) model has been used as a baseline theory, a total of 60 sets of questionnaires were distributed to the respective respondents among Muslim in Southern Thailand. 59 sets were returned by the respondents, however only 54completed and can be used for data analysis. The response rate is about 90.0%. The data was analysed used the Statistical Package for the Social Sciences (SPSS software version 18). The results of this study reveals that there is a significant relationship between attitude, subjective norms, perceived behavioural control, level of knowledge and religiosity with Muslim’s intention to use Islamic cooperative products and services. This research also verifies that attitude is the most determinant factor that affects Muslim’s intention to use Islamic cooperative products and services in southern Thailand.