1.0 of consumer awareness in Islamic banking products

1.0 INTRODUCTIONThe Study Aims to find out consumer awareness and adoption of Islamic banking products in Mogadishu-Somalia as statistical shows the number of users of Islamic banking are increasing last years with different user of Muslims and non-Muslims with that increasing on the other hand if we compare number of users of both conventional and Islamic banking conventional banking users are larger this leads to many contributing factor so in Somalia The study is driven to achieve three main objectives which are:1. to investigate the extent of consumer awareness in Islamic banking products provide by Islamic banks in Mogadishu,2. Second is to examine the level of adoption in Islamic banking products in Mogadishu 3.

To find out the relationship between consumer awareness and Adoption of Islamic banking products in Mogadishu.According to above objectives the research questions will be:1. What is extent that consumers aware of Islamic banking products in Mogadishu-Somalia?2. What is level of adoption of Islamic banking products in Mogadishu-Somalia?3. What is the relationship between consumer awareness and adoption of Islamic banking Products in Mogadishu-Somalia?The Main Objective if this study is to find out consumer awareness and adoption of Islamic banking products in Mogadishu Somalia by identifying the degree that consumers live Mogadishu aware that Islamic banks in Mogadishu provide Islamic banking products if they are aware of much they know and describe about that Islamic products and also study aims to examine that degree of adoption of Islamic banking products in Mogadishu the capital city of Somalia how much consumers adopted the Islamic banking products provide Islamic banks operate in Mogadishu the motivate of this study is that since 1991 Somalia were lack of strong government which have strong institutions that operate significantly so from that period Islamic banks who individually established began to operate in Mogadishu and there is no string central bank that monitors, the study also aims to examine how much customer’s trust on Islamic banks in Mogadishu-Somalia.2.0 LITERATURE REVIEWRELATED STUDIES ABOUT CUSTOMER AWARENESS AND ISLAMIC BANKING (Khan ; Asghar, 2012) investigated customer awareness and adoption of Islamic banking in Pakistan, the researchers used descriptive study by adopting 32 Questionnaire stuffs focusing on 5main variables which are financial service, service knowledge, sharia based, customer service, targeting demographic factors like age, gender and education, the study concluded that most of Pakistan people are positive attitude and enough awareness towards the Islamic banking this result can be satisfactory according to Pakistan the country is developing in Islamic banking and becoming a hub to Islamic banks which encouraged the investors in Pakistan to put their money in Islamic banks shifting from conventional banks which will have positive impact on Pakistan Financial sector coming future.

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This Study Is important to my research because, the researchers focused on same variables like my research is intended to do and secondly they applied the same methodology I would like to use but I think they found out that that Pakistan people are aware of Islamic banking which is the reason that Pakistan people have Islamic culture and long term of government in the result of peaceful transition of power which different from my study area Somalia which suffered from civil war and lack of strong government institutions since 1991 when the military rule was ousted by rebel groups.(Alsoud, 2013), in Kuwait studied customer awareness and satisfaction of Islamic retail products, the study used descriptive study and distributed 150 Kuwait customers a questionnaire asking whether they are ware of some Islamic products provide by Islamic banks operate in Kuwait, and how satisfied they are towards Islamic retail products they receive from Islamic banks in Kuwait, the researchers found that Kuwait customers are demanding not only compliance of sharia from but other traditional things customer request from banks the study also found that Kuwait aware of some Islamic products like Islamic credit cards but not aware of all Islamic products, on the other hand the level of satisfactory which the study aimed to explore have found it quite higher in with in the Kuwait customers in general.In my opinion this study looks another dimension which is examining the level of satisfaction of Kuwait customers towards Islamic retail products which good part but this dimension comes after customer uses and adopts Islamic banking products provide by Islamic banks in Kuwait where the study is conducted.(Sarbo, 2016) studied the influence of consumer’s awareness on Islamic banking in Nairobi, Kenya.

The study examined how the customer’s awareness influences the Islamic banking in Nairobi County, the study used descriptive design and questionnaire by number of 196 customers live in Nairobi the capital city of Kenya, the researchers found that 64% of respondents aware of Islamic banking but only aware of basic Islamic banking like credit account and debit accounts but not the famous ones like Murabaha,Musharakah and Mudharabah.This study is conducted east Africa where my study location is more over Kenya and Somalia are neighbors so study showed that Kenyan consumers are not that aware of Islamic banking but according to culture and religion which is the country is different from each other, Kenya most of population is Christian but in Somalia 100% of the population are Muslim which can lead to different result if the study is conducted in Mogadishu.(Mahdzan, Zainudin, ; Au, 2017) researched the adoption of Islamic banking services in Malaysia to test the level of understand of Islamic banking and factors effecting the adoption if Islamic banking, the study used descriptive design by distributing Questionnaire to 200 MBA working student who have been selected in famous public university in Malaysia, the studied concluded that the level of understanding is below average and the Islamic banking concepts and perceived knowledge have significant effect on the adoption of Islamic banking The preliminary findings show that the respondents’ self-reported level of understanding on Riba and Shariah concepts is above average; however, their understanding on concepts such as ijarah,Mudharabah, musharakah, and Murabaha appears to be low.This study focused factors that affect the adoption of Islamic banking in Malaysia and the level of understanding which are good dimension that needs the attention but I would recommend as further studies.(Saini, Bick, & Abdulla, 2011) investigated consumer awareness and usage of Islamic banking products in South Africa, the researchers examined the level of consumer awareness and the use of Islamic banking products, the study used non probability sampling method and distributed 250 Questionnaire to Consumers in South Africa to test level of awareness in South Africa, the study found that Muslims are aware of Islamic banks, but their rate of use is low, as Muslim customers regard efficiency, lower bank charges, the availability of automatic teller machines and an extensive branch network as important factors when it comes to choosing a bank, rather than religious motivations for compliance with Islamic conventions. It was concluded that, if Islamic banks wanted to attract and retain customers and remain relevant in the South African context, they would have to develop relevant strategies designed to meet customers’ needs.

Religion as the sole motivation for choosing Islamic banking is inadequate.2.3 CONCEPTUAL FRAME WORK OF THE STUDYFigure2.1INDEPENDENT VARIABLE DEPENDENT VARIABLEPrimary data (2018)The above conceptual framework explains in figure the variables of the study independent variable which customer awareness and dependent variable which is adoption of Islamic banking products and personal characters that intervening Variable.

1. farsightedness. 4. Excessive love for cats is

1. The cat’s heart beats about 140 beats per minute.
2. Cats can produce 100 different sounds.
3. All cats have farsightedness.
4. Excessive love for cats is called Ailurophilia.
5. In cats sweat glands are located only on the pads of the paws.
6. An adult cat has 30 teeth.
7. The cat is the only animal that can survive a fall from a nine-story house.
8. In case of danger, the cat can run at a speed of 48 km / h.
9. The kidneys of the cat can filter the salt.
10. A kitten is able to see a dream within one week after birth.
11. For the movement of the ears, cat has about 20 muscles.
12. In the Middle Ages, on the Feast of St. John’s Day, the cats were burned at the stake, because they believed that they were involved in black magic.
13. In Australia and the UK, a black cat brings good luck.
14. A cat named Stubbs was mayor of the city of Talkeetna, Alaska, for 15 years.
15. Every year in Asia, about 4 million cats are eaten.
16. The cat’s body consists of 517 muscles.
17. The cat 245 bones.
18. The cat hates the smell of tangerines and lemons.

19. A cat lives 6 year of life.
20. Cats are able to anticipate natural disasters, like earthquakes, they leave the building in advance.
21. The cat is capable of bouncing to a height higher than its growth by 5 times.
22. Proailurus is considered the progenitor of cats, which means “first cat”. The animal inhabited the planet 30 million years ago.
23. Only a cat of the breed Turkish Van, loves to swim.
24. Cats cannot chew large pieces of meat.
25. A domestic cat can survive at a temperature of 57 degrees.
26. Every year, about 40,000 people suffer from bites of cats in the United States.
27. The cat can turn its ear 180 degrees.
28. In ancient Egypt, for the smuggling of cats, criminals were punished by murder.
29. The Egyptians worshiped the goddess with a cat’s head.
30. The most popular breed is the Persian cat.
31. The oldest breed of cats is Mau.
32. The cat has 12 pairs of mustaches.
33. In 1871, the first cat show was organized in London.
34. In the US, about 60 million feral cats live.
35. The only animal that cannot be found on the pages of the bible is a cat.
36. The most expensive cat is Little Nicky. Its cost is 50 thousand dollars.
37. For the first-time cats were seen on the territory of Europe in 900 BC.
38. Approximately 95% of people talk with cats.
39. The Japanese believe that after death the cat turns into a spirit.
40. Cats can see in dark.
41. Aspirin is a poison for a cat.
42. The sense of smell in cats is about 14 times stronger than human
43. The weight of the smallest adult cat was 680 grams.
44. In 1 square centimeter, the cats have 20,155 hairs.
45. People who have domestic cats live longer and are much less prone to stress and heart attacks.

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46. The largest wild cat is the Amur tiger.
47. As in humans, cats have a dominant “arm”.
48. Cats eat grass, leaves and young shoots of plants to improve the digestive system, as well as to induce vomiting to purify the stomach.
49. Most cats are able to give birth to one to nine kittens in single delivery.
50. The longest surviving cat ever recorded is Krim Puff, who lived 38 years and 3 days.
51. Cats are one of the laziest mammals. They are able to sleep for 18 hours a day.
52. Cats lick the hairs to clean themselves.
53. Maine-coon cats have high intelligence. This is one of the few breeds that can be trained
54. Cats are the only animals allowed to enter the mosque.
55. The nose of the cat is unique, it has a unique imprint like humans’ fingerprints.
56. Cats, if not sleeping, spend one third of the total time on caring for themselves.
57. Cats also protect books from mice and other relics of the British Museum.
58. In Austria, a cat who served in the protection of warehouses for several years, was put a lifetime pension of milk, meat or broth.
59. Domestic cats are the only cats, capable of keeping the tail upright when walking
60. Cat give birth to more than 100 kittens in its entire life.
61. The cat’s eye with respect to body size is larger than that of most mammals.
62. About 10% of all bones are on the tail
63. Wild cats are not able to lift their tail up.

64. Giraffe, camel, horse and cat are the only pacer animals that go with their left legs first, then the right ones.

65. Cats have 80 million olfactory receptors in the nose.
66. The color of the eyes in kittens can change as they grow.
67. At birth, kittens are deaf and blind. They open their eyes in 7-10 days, and sight and hearing develop in two weeks.
68. Cats can see up to a distance of 60 meters.
69. Cats can distinguish some colors.
70. The normal body temperature in cats is about 38 degrees.

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