September 10, 2025International Journal of Research and Innovation in Social Science

Determinants of Millennials’ Intention towards Islamic Personal Financing in Labuan, Malaysia

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Authors

SMShatheish Maniam.HAHanudin AminUniversiti of Malaysia Sabah DNDr Muaz Hj Mohd Noor

Discussion

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Implication

This research demonstrates key factors driving millennials' intention toward Islamic personal financing, suggesting implications for marketing strategies and support for financial literacy.

Key Points

Consumer intention toward islamic personal financing is significantly influenced by attitude, subjective norms, and perceived behavioural control.
Findings show that religiosity and perceived behavioural control are the strongest determinants, emphasizing the importance of these factors in marketing efforts.
The model was tested using survey data from 493 millennials in Labuan, Malaysia, analyzed with Partial Least Squares (PLS) methodology.
Strengthening islamic financial literacy programs and shariah governance can enhance consumer confidence, potentially increasing adoption of islamic personal financing.

Cite This Study

Maniam. et al. (2025) studied this question.

synapsesocial.com/papers/68c23e4fb210217d647910de https://doi.org/10.47772/ijriss.2025.90200015

View Full Paper

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Implication

This research demonstrates key factors driving millennials' intention toward Islamic personal financing, suggesting implications for marketing strategies and support for financial literacy.