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Islamic Financial System: Principles and Operations
- Publisher
- Emerald Publishing
- Copyright
- © Emerald Publishing Limited
- ISSN
- 1759-0817
- eISSN
- 1759-0817
- DOI
- 10.1108/jiabr-10-2022-0261
- Publisher site
- See Article on Publisher Site
Abstract
The ailing agriculture sector in Pakistan demands a supportive financial sector. The low adoption of Salam financing by Islamic banks does not match the potential demand. Empirical studies identified demand-led issues that led to a low proportion of Salam financing, but the exploration of supply-side constraints is overlooked.Design/methodology/approachThis study has applied Interpretive Phenomenological Analyses on 20 interviews with the experts in the Islamic banking industry who play a role in decisions on Salam financing to the agriculture sector. The purpose of the study is to explore the determinants of low adoption of Salam financing by Islamic banks.FindingsThe experiences led to the major reasons for the low adoption of Salam financing categorized as intentions, attitudes and behavior control which corresponds to the theory of planned behavior.Originality/valueThis study is instrumental in exploring the supply-side constraints to Salam financing and helps find aligning theory to intervene via Islamic banking regulations.
Journal
Journal of Islamic Accounting and Business Research – Emerald Publishing
Published: Aug 6, 2024
Keywords: Qualitative research; Theory of planned behavior; Agricultural financing; Islamic banking instruments