Volume 24, Issue 3, October 2018, Pages 1020–1027
Bouchra BENNANI1 and Chaimae SLAOUI ANDALOUSSI2
1 Laboratoire de Recherche en Management, Information et Gouvernance LARMIG, FSJES Ain Sebaa-Casablanca, Université Hassan II, Morocco
2 Laboratoire de Recherche en Management, Information et Gouvernance LARMIG, FSJES Ain Sebaa-Casablanca, Université Hassan II, Morocco
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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.
Author Keywords: Religiosity, finance, demand barriers.
Bouchra BENNANI1 and Chaimae SLAOUI ANDALOUSSI2
1 Laboratoire de Recherche en Management, Information et Gouvernance LARMIG, FSJES Ain Sebaa-Casablanca, Université Hassan II, Morocco
2 Laboratoire de Recherche en Management, Information et Gouvernance LARMIG, FSJES Ain Sebaa-Casablanca, Université Hassan II, Morocco
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
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.
Author Keywords: Religiosity, finance, demand barriers.
Abstract: (french)
Ce travail tente d’analyser les différents freins à la demande de financement et d’évaluer l’impact de la religiosité. L'objectif est de fournir un aperçu pour les décideurs marketing sur les points à améliorer afin d'augmenter la compétitivité de leurs produits financiers islamiques. Pour cela, nous avons examiné en utilisant l’enquête de la banque mondiale «GlobalFindex», les déterminants de l’accès au système bancaire. Nos résultats ont montré que l’effet de la religiosité est le deuxième après l’effet du prix. De ce fait, un consommateur marocain pourrait préférer un produit financier non religieux mais à moindre prix qu’un produit islamique religieux plus cher.
Author Keywords: Religiosité, finance, freins de la demande.
How to Cite this Article
Bouchra BENNANI and Chaimae SLAOUI ANDALOUSSI, “Etude des freins de la demande dans le secteur bancaire : Effet de la religiosité,” International Journal of Innovation and Applied Studies, vol. 24, no. 3, pp. 1020–1027, October 2018.
