On improving the adoption ofBai’ Salamby Islamic banks of Pakistan: an interpretive phenomenological analysis

Tahir Mahmood and Noman Arshed

Journal of Islamic Accounting and Business Research, 2023, vol. 15, issue 7, 1134-1155

Abstract: Purpose - The ailing agriculture sector in Pakistan demands a supportive financial sector. The low adoption ofSalamfinancing by Islamic banks does not match the potential demand. Empirical studies identified demand-led issues that led to a low proportion ofSalamfinancing, but the exploration of supply-side constraints is overlooked. Design/methodology/approach - This study has applied Interpretive Phenomenological Analyses on 20 interviews with the experts in the Islamic banking industry who play a role in decisions onSalamfinancing to the agriculture sector. The purpose of the study is to explore the determinants of low adoption of Salam financing by Islamic banks. Findings - The experiences led to the major reasons for the low adoption ofSalamfinancing categorized as intentions, attitudes and behavior control which corresponds to the theory of planned behavior. Originality/value - This study is instrumental in exploring the supply-side constraints toSalamfinancing and helps find aligning theory to intervene via Islamic banking regulations.

Keywords: Qualitative research; Theory of planned behavior; Agricultural financing; Islamic banking instruments (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:eme:jiabrp:jiabr-10-2022-0261

DOI: 10.1108/JIABR-10-2022-0261

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