Factors influencing customer's intention to use Islamic house financing among Universiti Malaysia Perlis (UniMAP) academic staff

Islamic house financing is compliant with Shari ah because no prohibited elements such as interest rate (Haran, 2005; Amin, 2008). Recently, most of the Islamic banking institutions offer Islamic house financing. "Islamic mortgage providers" refers to the financial institution that offers Islamic house financing using the Shariah principles such as Bai Bithaman Ajil (BBA) and Musharakah Mutanaqisah (MM) or known as Diminishing Partnership (DP). In the conventional bank loans, especially for house, of course, it is based on interests. Loans are the main mode of financing under conventional housing loan using interest as time factor for borrowed money (Taib et al., 2008). This paper is an attempt to determine factors influencing customer's intention to use Islamic house financing by investigating five factors, which are attitude, religious obligation, social influence, pricing system and intention to use. The aim of this paper is to identify the different between demographic factors of(gender, ethnic, age, education level, marital status, academic staff, income per month) and customer's intention to use Islamic house financing, to determine the relationship between (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing, and to examine the significant influence of (attitude, religious obligation, social influence, pricing system) and customer's intention to use Islamic house financing. The study has targeted certain population, that is, Universiti Malaysia Perlis (UniMAP) academic staff. This study employed a quantitative type of research using questionnaire and the sample comprised of 230 respondents. The result obtained from this study, reveals that the customer's intention to use Islamic house financing for mostly three factors, which are attitude, religious obligation and social influence. Therefore, this study provides great contributions, implications and has recommended both the government and financial institutions on how to improve Islamic house financing