This document discusses factors that motivate choosing an Islamic personal loan. It aims to examine how social demographics, product knowledge, service quality, and promotion influence intentions to choose an Islamic personal loan. It also aims to compare these factors to determine which is most determinant. The study will focus on academic and non-academic staff at Politeknik Seberang Perai in Malaysia by surveying 150 randomly selected staff with a questionnaire to analyze factors affecting their choice of Islamic personal loans.

1. FACTORS CONTRIBUTE TOWARDS MOTIVATING TO CHOOSE ISLAMIC PERSONAL LOAN: A
CASE AT POLITEKNIK SEBERANG PERAI
FAIZAH BINTI SAHBUDIN1, MUHAMMAD NAZRI ABDUL HALIM2
Jabatan Perdagangan, Politeknik Seberang Perai (2012)
infaizah@yahoo.com1, nazrifaiz@psp.edu.my2
Abstract
The purpose of this study is to examine how strong
the progress of Islamic Personal Loan related to
social demographic, product knowledge, service
quality provided and promotion done by the finance
institution. Another purpose is to compare among
these factors in order to know which one is more
determinant in influencing respondent intention to
choose Islamic Personal Loan. We expect a positive
situation exists in Islamic financial market whereby
the selection of Islamic personal loan by staff
should be always parallel to the good understanding
about the product. If the selection of Islamic
finance loan product derives more from quality of
service offered or promotion it shows that the
development of Islamic Personal Loan market is far
a way to achieve its meaningful of operation. The
population will be whole Politeknik Seberang Perai
staff (N=500). There are two categories of staff
which are Academic staff and non academic staff.
The researcher will focus on these two categories in
order to build a sample. The full list of all
registered staff in Politeknik Seberang Perai will be
gathered. Staff details can be accessed from
Department of Administration, PSP. Simple
Random Sampling will be used as a sampling
technique and 30% (150 respondents) from the
whole population PSP staff will be considered as
the sampling size to represent the population. The
full list of 150 respondents selected will be the
sampling unit. This study will investigate factors
influence of Islamic Personal Loan selection among
PSP staff. Therefore PSP staffs have been
perceived to be the population of the study. The
primary data for this study and data will be
collected through distributing self administered
questionnaire to all PSP staff. A structured
questionnaire will be used for collecting necessary
information which are related to our research
questions and related affective factors of PSP staff
choice for Islamic Personal Loan. Descriptive
analysis will be employed to carry out data analysis
PSP staff profile is one of the sections in the
questionnaire in this study. Varies demographic
factors are included there.