Factors Affecting Customers‟ to Use Interest Free Banking in Ethiopia
| dc.contributor.advisor | Ponnala, Venkati (PhD) | |
| dc.contributor.author | Alemu, Debebe | |
| dc.date.accessioned | 2018-10-29T07:00:39Z | |
| dc.date.accessioned | 2023-11-04T09:04:38Z | |
| dc.date.available | 2018-10-29T07:00:39Z | |
| dc.date.available | 2023-11-04T09:04:38Z | |
| dc.date.issued | 2015-05 | |
| dc.description.abstract | The emergence of Interest free financial system has created a new dimension to the current economic models and financial developments. Hence, use of such innovations is highly appreciated even if its implementations depends on the customers intentions. Therefore, this study is concerned with examining the willingness of the Ethiopian customers to use interest free banking and the factors that may influence their decision; because, customers are the ultimate users of the products to be adopted. The results showed that perceived relative advantage, perceived compatibility, customers’ level of awareness and subjective norm have a significant positive impact on the attitude towards interest free banking in commercial bank of Ethiopia. Likewise, valued group opinion was also found to have a significant positive influence on subjective norm. In addition, self efficacy was found to have a significant positive influence on perceived behavioral control and finally Attitude, Subjective norm and Perceived behavioral control were found to have a significant Positive impact on the customers’ intention. However, perceived complexity does not have any significant influence on attitude and perceived trust have a negative influence, Media have negative significant influence on subjective norm, and facilitating conditions have negative significant influence on perceived behavioral control as well. The results have also shown that the type of window and account customers associated with influenced customers’ intention. In addition the result indicates as 100% of Interest free banking account holders are Muslim. Customers of the bank are less Aware, Trust and Complicated with Interest free banking offered by bank, while, perceive as better, compatible, initiative to know and use; and well influenced by social pressure and internal and external constraint to use Interest free banking. This study is one of the earliest to be conducted on customers’ intention and willingness to use interest free banking in Commercial bank of Ethiopia at the institution level and Ethiopia in general. The study also extends the decomposed theory of planned behavior to a different setting and also to a different area of study. Keywords: Commercial bank of Ethiopia, Decomposed theory of planned behavior and Interest free banking. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/13323 | |
| dc.language.iso | en | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | Commercial bank of Ethiopia | en_US |
| dc.title | Factors Affecting Customers‟ to Use Interest Free Banking in Ethiopia | en_US |
| dc.type | Thesis | en_US |