Public Perception towards Islamic Banks in Pakistan
Dear Respondent,
Asalam-u-Alaikum, we are conducting a research to know the public perception towards Islamic
Banking and the level of awareness about Islamic banking products. This study will not only help
create awareness about Islamic banking but also add to body of knowledge. Thank You.
Personal background of the respondent:
1. Name: _________________
2. Age: _____ Years
3. Gender: Male Female
4. Marital Status: Single Married
5. Nationality: Pakistani Others
6. Religion: Muslim Non-Muslim
7. Academic qualifications: Bachelor Degree Master Degree MS/M.Phil
PhD
Others, please specify ( ______________________ )
8. Current post: Government employee Business person
Student
Others, please specify ( ______________________ )
9. Number of years post is held: Less than 1 1-5 6-10
More than 10 years
10. Yearly Income (PKR): Less than 500,000 500,000~1,000,000
1,000,000~1,500,000 1,500,000 ~ 2,000,000
2,000,000 ~ 2,500,000 More than 2,500,000
11. Email address: (Optional) ___________________________
REASONS TO DEAL WITH THE ISLAMIC BANKS
Strongly agree = SA= 5 Agree = A = 4 Neutral = N = 3 Disagree = DA = 2
Strongly Disagree = SDA = 1
SA A N DA SDA
1 Payment and receipt of interest is prohibited in Islam 5 4 3 2 1
2 Religious scholars created awareness about prohibition of interest 5 4 3 2 1
3 Shariah supervisory board is trusted highly among the public 5 4 3 2 1
4 Islamic banks launched public awareness campaign 5 4 3 2 1
5 I believe Islamic banking should be adopted for healthy and sustainable 5 4 3 2 1
economy
6 Islamic banks offer higher returns based on halal income 5 4 3 2 1
7 Islamic banking can provide ultimate solution to the financial problems 5 4 3 2 1
in the economy
8 Islamic banks truly follow the spirit of Islamic financial system, i.e. to 5 4 3 2 1
stimulate the economic activities such that everyone in the society can
enjoy a reasonable standard of life
9 Islamic banks are contributing to raise the quality of life in the society 5 4 3 2 1
10 Islamic banks are easily accessible 5 4 3 2 1
11 Islamic banks provide a competitive range of products 5 4 3 2 1
12 Islamic banks compete in the banking industry based on their innovative 5 4 3 2 1
products and performance
13 Islamic banks have good network of branches 5 4 3 2 1
14 ATM machines are available and operate very well 5 4 3 2 1
15 Islamic bank's staff is highly cooperative and efficient 5 4 3 2 1
AWARENESS LEVEL OF ISLAMIC BANKING PRODUCTS BEING OFFERED
Excellent = 5 Good = 4 Fair = 3 Poor = 2 Very Poor = 1
1 Current Account 5 4 3 2 1
2 Profit and loss sharing account 5 4 3 2 1
3 Murabaha financing 5 4 3 2 1
4 Ijarah financing 5 4 3 2 1
5 Diminishing Musharakah 5 4 3 2 1
6 Salam 5 4 3 2 1
7 Istisna 5 4 3 2 1
8 Musharakah 5 4 3 2 1
9 Mudarabah 5 4 3 2 1
10 Sukuk (Islamic Bonds) 5 4 3 2 1
11 ATM cards 5 4 3 2 1
12 Demand Draft / Pay order 5 4 3 2 1
13 Letter of credit 5 4 3 2 1
REASONS NOT TO DEAL WITH THE ISLAMIC BANKS
Strongly agree = SA= 5 Agree = A = 4 Neutral = N = 3 Disagree = DA = 2
Strongly Disagree = SDA = 1
1 Islamic banks only use the name of Islam to get public attention 5 4 3 2 1
2 Sharia boards and sharia supervisory committees are not trustworthy 5 4 3 2 1
3 Islamic banks offer the same products as that of conventional banks 5 4 3 2 1
4 Prohibition of interest doesn't matter 5 4 3 2 1
5 Returns in Islamic banks are not sure 5 4 3 2 1
6 Islamic banks offer the same returns as conventional bank's interest rates 5 4 3 2 1
7 Islamic banks are not easily accessible 5 4 3 2 1
8 Islamic Banks provide small range of services as compared to conventional 5 4 3 2 1
banks
9 Prefer to deal with the Islamic banking branches of conventional banks 5 4 3 2 1
10 Conventional banks are contributing more to the welfare of the society 5 4 3 2 1
11 ATM machines of Islamic banks are usually out of cash 5 4 3 2 1
12 Conventional banks have highly qualified and well trained staff 5 4 3 2 1
13 Conventional banks are more efficient in their transactions 5 4 3 2 1
14 Conventional banks have lower service charges as compared to Islamic 5 4 3 2 1
banks
15 Small size of Islamic banks as compared to conventional banks 5 4 3 2 1
16 A smaller network of Islamic banks and lack of presence in the country 5 4 3 2 1
side makes it a secondary choice
HAVING BANK ACCOUNTS IN ISLAMIC BANKS
Strongly agree = SA= 5 Agree = A = 4 Neutral = N = 3 Disagree = DA = 2
Strongly Disagree = SDA = 1
1 Do you have an account in any Islamic Bank, if yes is your experience 5 4 3 2 1
satisfactory?
2 If you don’t have an account in an Islamic Bank what is the reason, Please
specify.
