Religiosity and consumer behavior:an empirical study on the impact of the Moroccan consumer's religiosity on his intention to apply for credit with interest

La religiosité et le comportement du consommateur: étude empirique sur l'impact de la religiosité du consommateur marocain sur son intention d'achat de crédit à intérêts

Mohammed Hajjimi
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Mohammed Hajjimi: USMBA - Université Sidi Mohamed Ben Abdellah [Fès]

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Abstract: This paper presents the results of an empirical study carried out on a sample of 102 Moroccan consumers to measure the impact of the degree of religiosity on the intention to purchase interest-bearing loans using a closed questionnaire and a four-dimensional measurement scale. The results were processed and analysed using SPSS software. They validate only one of the four hypotheses provided in the literature review, i.e. that religious feelings, religious practices and religious knowledge have no impact on the intention to purchase interest-bearing credit, and that only the scope of consumers' beliefs impacts their intention to purchase credit from traditional banks. Towards the end, we present a way of exploring the managerial implications and innovations of the discoveries for the banking fabric in Morocco.

Keywords: purchasing behaviour; managerial innovations in banking; consumer religiosity; purchase intention; interest-bearing credit; comportement d’achat; innovations managériales bancaires; religiosité du consommateur; intention d’achat; crédit à intérêt (search for similar items in EconPapers)
Date: 2025-05-11
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics - IJAFAME, 2025, 6 (5), pp.454-466. ⟨10.5281/zenodo.15377323⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05063125

DOI: 10.5281/zenodo.15377323

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