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Small and medium enterprises (SMEs) are playing a vital role in the Pakistani economy but
they are facing a major constraint of lack of finance. The financial instruments being offered
by Islamic banks can better meet the financial needs of SMEs but investment in Pakistani
SMEs sector is not very high. The current study investigates the difference in perceptions
among users and non-users of Islamic banking instruments in Pakistani SMEs sector. This is
a primary data based study and its sample size comprises of 110 entrepreneurs of SMEs in the
twin cities of Pakistan i.e. Rawalpindi and Islamabad. The study has used independent sample
t-test for comparing the difference in the mean values of users and non-users of the Islamic
banking products to test the hypotheses of the study. The results of the study show that there is
a significant difference in perception among SMEs regarding Shariah compliance by Islamic
banks, service quality, business development service and level of awareness regarding Islamic
banking instruments due to which Islamic banking is not commonly used by Pakistani’s SMEs.
This study is helpful to the top management of Islamic banks to devise strategies to clarify the
misperception of non-users SMEs management regarding Islamic banking products.
Rabia Umar, Faid Gul. (2019) Perception of SME’s Management Regarding Islamic Banking: A Users vs. Non-users Comparative Analysis, Journal of Independent Studies and Research-Management, Social Sciences and Economics, Volume-17, Issue-1.
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