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Journal of Finance & Economics Research - Volume 10, Issue 1 2025
By Muhammad Irfan Khan, Nayeem Ul Hassan Ansari
10.20547/jfer2510102
Keywords: Customer Loyalty, Sustainability, Customer Trust, Religious Obligations, Fear of Divine Punishment, Ethical Behavior, Shariah Compliance, Islamic Banking Laws, Intrinsic and extrinsic religiosity Customer Commitment Islamic Advertising
The study aims to investigate the impact on customer loyalty towards the sustainability of Islamic banks resulting from a priori constructions in the setting of Pakistan and the UAE. Apart from direct impacts, the research also intends to verify the mediating influence of known variables on consumer loyalty toward Islamic banks. Theoretical models were employed from previous research and data was collected based on a structured questionnaire. This questionnaire was also adopted from previous research. A total of 500 respondents participated in the study from Pakistan and the UAE. All the respondents were the customers of Islamic Banks. With the improvement in the analysis, the results revealed a strong relationship of customer loyalty with the level of satisfaction and religious obligations. This relationship is further strengthened when trust and commitment moderate between them. This implies that Islamic banks should not indulge even in unethical advertising campaigns that may lose customer trust. This is a unique research study in which customers from Islamic Banks from two different countries were selected to assess their overall satisfaction level. This study contributes to the existing body of knowledge by highlighting constructs which were not explored before it.
Submission Date: 10 Apr, 2025 Reviews Completed: 20 May, 2025Acceptance Date: 18 Jun, 2025 Publication Date: 30 Jun, 2025