أثر الثقافة المالية الإسلامية في تحسين جودة الخدمات البنكية لدى موظفي النوافذ المالية الاسلامية

Abstract

The study aimed to identify the impact of Islamic financial culture on improving banking service quality among employees of Islamic financial windows. To achieve the study’s objectives and test its hypotheses, a research questionnaire consisting of 47 items was designed to collect primary data and was distributed to a sample of 52 employees within the targeted Islamic financial windows. In this context, data were gathered and analyzed using (SPSS27) software, drawing on a range of statistical methods, including Cronbach's alpha coefficient, arithmetic means, standard deviations, Pearson correlation coefficient, and simple regression analysis. The study revealed that while the surveyed employees demonstrated an exceptionally high level of commitment to Islamic professional ethics and values, statistical evidence indicated that this culture did not reflect significantly on improving overall banking service quality. This weak impact is attributed to organizational barriers alongside a lack of specialized training. Such constraints prevent employees from effectively translating their strong ethical alignment into outstanding field performance that meets customer expectations.