The analysis technique used is multiple linear regression analysis. The data used are primary data using questionnaires. The sample used in this study was 80 respondents. The purpose of this study is to analyze the effect of consumer behavior on the decision to submit a multipurpose loan for funds in the science and technology sector. Since then, the author gives some policy implications on collateral, digital banking with credit institutions and state management agencies in order to increase the households' access to financial services. Based on the results of the model, the variables include collateral and income, the number of years of experience of the head of household, the distance between the household to the credit institution, the digital banking and the loan procedure have a positive impact on the intention of accessing credit, but the experience of credit institutions has shown opposite results. Interview results helped add digital banking variable to the model as well as adjust the questionnaire and scale. With the simultaneous use of both qualitative and quantitative methods, the author interviewed 06 theoretical experts, 05 representatives from credit institutions and 12 representatives of households. This study aims to evaluate factors of access to the intention to use formal credit of individual business households in Vietnam. Based on these empirical findings, this study suggests that along with improving delivery and quality of services, Islamic banks should emphasize on Shariah compliance which provides a sustainable competitive advantage for Islamic banks over conventional banks. The overall results reveal that besides the conventional variables, the religiosity level of customers, Shariah compliance of an Islamic bank, and knowledge of the respondent about prohibition of interest (Riba) in Islam have positive, and significant effects on consumers’ selection of Islamic banks. To test whether or not religiosity affects consumer preference for Islamic banking, the logistic regression technique has been used for the data analysis. Even more specifically, this study explores the role of religiosity in influencing consumers’ choice of Islamic banking in Mirpur. Hence, the key objective of this study is to identify the different factors that explain consumer preferences regarding Islamic banking services, specifically in Mirpur. Despite the fact that the existing literature emphasizes on this significant shift in customers’ preferences in favor of Islamic banking, there are only a few studies that investigate the actual motives behind this shift. Over the years, Islamic banking has emerged as a viable alternative to conventional banking, especially after the global financial crises of 2008. Several managerial implications suggest bank managers should focus on giving loans to single individuals as well as change their interest rates policies by decreasing rates for all kinds of loans, especially housing loans. Logistic regression results show that personal marital status, customer service, shop design and interest rates are the most significant predictors of taking loans. A questionnaire with self-determined scales was created after ensuring the instrument's validity through confirmatory factor analysis. A randomly selected sample of Greek citizens (n=277) was chosen in order to test our hypotheses. A number of variables (demographics, service quality and satisfaction) have been examined as potential factors influencing customers' decision to take out a loan. The purpose of the present study is to identify factors that influence Greek customers' decision to take out a loan from commercial banks. Identifying the factors that affect customers' decision to take out a loan from a particular bank has become an essential asset for many banks in their effort to attract new customers and to maintain existing ones. The concept of loyalty has received much consideration from both academics and practitioners in various industries and is a predominant research topic in the banking industry.
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