This work tries to analyze the different obstacles to the demand for financing and to compare their effects to that of religiosity. The aim is to provide insights for marketing decision makers about areas for improvement to increase the competitiveness of their Islamic products. For this, we examined using the survey of the World Bank "Global Findex", the determinants of access to the banking system. Our results showed that the effect of religiosity is the second after the price effect. As a result, a Moroccan consumer may prefer a non-religious financial product at a lower price than a more expensive Islamic religious product.
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