Proceedings of the 4th International Conference on Language, Education and Innovation 2016

Performing Saving in Dual Banking System

Omar, Maznah Wan

Universiti Teknologi MARA Kedah


This paper will look into the customers’ confidence towards Islamic Personal Saving in comparison to conventional deposits in a bank. Respondents from three different states in the northern states in Peninsular Malaysia were the samples of study. A systematic sampling method was employed with three hundred and fifty samples collected in a period of six month were obtain for further analysis. Multiple Regression analyses helps to confirm the framework conceptualized in the beginning of the study. Availability of electronic information shows a significant influence on the customers usage of Islamic finance system while for the conventional deposits, reputation of the Bank significantly influence customers to use the conventional finance system.


Conventional banking system, Islamic banking system, Malaysia

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