HIJRA INTENTION AND CUSTOMER LOYALTY TOWARDS ISLAMIC BANKS: ROLE OF RELIGIOUS OBLIGATIONS, COMMITMENT AND ATTITUDE

Abstract

The primary objective of this research was to investigate the impact of Commitment Towards Islamic Banks, Attitude Towards Islamic Bank, Islamic Religious Obligation, trust, and Hijra intention on customer loyalty towards Islamic banks. Additionally, the study aimed to explore the moderating role of customer trust and the mediating effect of hijra intention. The research employed a cross-sectional research design and a quantitative approach, gathering data from customers of Islamic banks in the Kingdom of Saudi Arabia. A questionnaire, based on previous studies, was designed for data collection and distributed to respondents through purposive sampling. The collected data underwent analysis using AMOS. The study revealed that Commitment Towards Islamic Banks, Attitude Towards Islamic Bank, and Islamic Religious Obligation positively influence hijra intention. Furthermore, trust and hijra intention significantly impact loyalty towards Islamic banks. The results also supported the moderating influence of trust and the mediating role of hijra intention. This research contributes to the existing body of literature in religious studies, offering valuable insights that can assist banking strategists in customer retention efforts.