Factors Affecting Investment Decision in Banking Sectors of Pakistan: Comparative Study Between Islamic and Conventional Banks

Syeda Rabia Ali Naqvi


In this research work we had aim regarding what are the factors that affect individual investor when he/she invest in banking sector of Pakistan. We took six independent variables Psychology, rate of return, religion, culture, customer perception and comparison. And one dependent variable that was investment decision making. The data obtained through survey method form customers and financial officers of conventional and Islamic banking sectors of Pakistan. Descriptive analysis was conducted for get empirical analysis in summary form with numerical presentation. And Cronbach’s Alpha test applied for checking validity and reliability for survey design. Later on we did hypothesis testing for checking that factors has effect on investment decision making and the research how many factors has significant effect or insignificant effect. We concluded that Psychology, rate of return, religion and comparison research hypothesis accepted because they had significant effect on investment decision making and culture and customer perception research hypothesis are rejected because they had insignificant effect on investment decision making .in whole study and analysis we sum up that there was a statistically significant relationship between decision making and factors that affect individual investor during their investment decision making.

Keywords: psychology, rate of interest, culture, religion, customer perception, comparison, investment decision making, Islamic and conventional banking

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ISSN (Paper)2222-1697 ISSN (Online)2222-2847

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