Purpose

This study aims to attempt to investigate the factors that influence non-Muslims’ withdrawal behavioural intention from Islamic banking in Malaysia.

Design/methodology/approach

The push–pull–mooring approach is used to examine the determinants of withdrawal intention by non-Muslims from Islamic banking in Malaysia. Variables used in this study include religiosity (RELG) under push, deposit guarantee (DG), rate of return (RR), Islamic banks’ specific factors (IBSF) under pull and mooring factors as social influence (SI) and voluntary switching (VS) as the determinants of withdrawal intention from Islamic banking. In this study, the SPSS Statistics Version 22 and smart partial least squares were used to measure the withdrawal level.

Findings

Three variables, namely, SI, RR and IBSF are found to significantly influence the withdrawal behaviour intention. Meanwhile, three other variables, namely, RELG, DG and VS are not significant.

Practical implications

This study provides valuable insights pertaining to non-Muslim consumer withdrawal behaviour from Islamic banks. Bank managers, marketers and regulators could use these findings in developing effective strategies to increase and retain customer withdrawal.

Originality/value

This study expands the understanding of key determinants of the non-Muslim withdrawal behaviour from Islamic banks in Malaysia. To the best of the authors’ knowledge, this research is among the pioneer empirical study to assess the issue.

中文翻译：

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非穆斯林退出伊斯兰银行业的推-拉-系决定因素：来自马来西亚的证据

目的

本研究旨在尝试调查影响非穆斯林从马来西亚伊斯兰银行提款行为意向的因素。

设计/方法论/途径

推-拉-系泊方法用于研究非穆斯林从马来西亚伊斯兰银行业务撤资意愿的决定因素。本研究中使用的变量包括推动下的宗教信仰（RELG）、存款担保（DG）、回报率（RR）、拉动下的伊斯兰银行特定因素（IBSF）以及社会影响力（SI）和自愿转换（VS）等锚定因素。 ）作为从伊斯兰银行业务撤资意愿的决定因素。在本研究中，使用 SPSS 统计版本 22 和智能偏最小二乘法来测量戒断水平。

发现

研究发现，SI、RR 和 IBSF 三个变量显着影响戒断行为意向。同时，其他三个变量，即RELG、DG和VS并不显着。

实际影响

这项研究提供了有关非穆斯林消费者从伊斯兰银行提款行为的宝贵见解。银行经理、营销人员和监管机构可以利用这些发现来制定有效的策略，以增加和留住客户提款。

原创性/价值

这项研究扩展了对马来西亚伊斯兰银行非穆斯林提款行为关键决定因素的理解。据作者所知，这项研究是评估该问题的先驱实证研究之一。