African Journal of
Business Management

  • Abbreviation: Afr. J. Bus. Manage.
  • Language: English
  • ISSN: 1993-8233
  • DOI: 10.5897/AJBM
  • Start Year: 2007
  • Published Articles: 4094

Full Length Research Paper

Trust formation process in Islamic banking in Malaysia

  Marlehan bin Mohamed*, Mohd Nizam Bin A. Badaruddin and Chee-Keong Choong
  Department of Entrepreneurship, Faculty Business and Finance, Universiti Tunku Abdul Rahman, Perak Campus, Jalan Universiti, Bandar Barat, 31900 Kampar, Perak Darul Ridzuan, Malaysia.  
Email: [email protected]

  •  Accepted: 02 June 2010
  •  Published: 30 November 2011



An increasing number of citizens are doing transaction with Islamic banks and the numbers are likely to increase rapidly in the future. Research shows that trust is the key factor before undertaking transaction. However, much of our understanding about the trust is still in the embryonic stage especially in the Islamic banking industry. Hence, this study focuses on trust in the context of engaging in Islamic banking transactions and to address its evolutionary nature and associated factors. This article explores the trust antecedent, trust behavior and trust consequence in selecting Islamic banking. The uniqueness of this paper is that it develops a model for trust process/construct in Islamic banking. This is deemed essential in order to market the Islamic banking products and services that can truly enable and support lasting relationships in commercial settings.    


Key words: Trust, antecedents, Islamic bank, finance, model.