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\title{Elixir of the Service Quality of Islamic Banking Sector in Bangladesh}
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\begin{document}

             \author[1]{Md.  Alauddin}

             \affil[1]{  International Islamic University Chittagong}

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\date{\small \em Received: 9 December 2015 Accepted: 1 January 2016 Published: 15 January 2016}

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\begin{abstract}
        


Islamic Banking Sector (IBS) is the most influential domain in the economic development of Bangladesh. In the 21st century, IBS has passed thirty years glorious journey creating huge competition considering its service quality and achieved a remarkable growth. Service Quality (SQ) is the most significant affecting factor for remarkable growth of IBS in Bangladesh from 1983 to 2013. Thus, this research work attempts to determine the elixir of the service quality of Islamic Banks existed in Bangladesh as Islamic Banking Sector using Structural Equation Modelling (SEM). This research uses modified CARTER model (Compliance of Islamic Shariah, Reliability, Assurance, Tangibility, Empathy and Responsiveness) consisting of 34 (thirty four) dimensions with 6 (six) constructs. A total of 396 samples have been used from 6 (six) full pledged Islamic banks in Bangladesh. This study reveals that 20 (twenty) factors have found as the elixir of service quality of Islamic banks in Bangladesh where assurance is the most significant construct followed by reliability, tangibility, empathy, responsiveness and tensely compliance of Islamic Shariah.

\end{abstract}


\keywords{islamic banking sector (IBS), elixir, service quality (SQ), carter, and vision-21.}

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\let\tabcellsep& 	 	 		 
\section[{Introduction}]{Introduction}\par
ustomers are the mainframe of banking industry; therefore, customer satisfaction is the principle account of any bank through delivering quality service.\par
Service quality is a judgment of expectations from providing service performed by the banks which are required to meet customer's needs and desires. For sustainability of performance, creation of modified, improved or developed service quality is required since competitive gain is depends on the nature of service quality \hyperref[b35]{(Nicholls, 1998)}. From the inception, Islami banks perform better than conventional banks in Bangladesh. Islamic banking system have passed thirty-year  glorious journey and achieved substantial growth in Bangladesh \hyperref[b46]{(Shohrowardhy, 2015)}. At present, Bangladesh has II. 
\section[{Literature Review}]{Literature Review}\par
Service quality is needed for creating customer satisfaction and service quality is connected to customer perceptions and customer expectations \hyperref[b24]{(Kabir, 2010)}. Service quality is described as the comparative result from customer expectations about the services provided by the banks \hyperref[b36]{(Oliver, 1994)}. And service quality is depended on the perception of customer towards the organizational service providing dimensions  {\ref (Parasuraman, et.al., 1998;}\hyperref[b37]{Othman and Owen, 2001)}. Customers are the driver of organizational loyalty by which a systematic design has been developed to deliver quality services for corresponding to the market demand. System loyalty is highly moderated factor of sustaining operational performance of Islamic banks \hyperref[b48]{(Uddin, 2015)}. Therefore, standard benchmark of service quality of Islamic banks is required to make loyalty in favor of Islamic Banks in Bangladesh for sustaining their operational performance.\par
A number of devoted scholars contribute a lot in the different aspects of Islamic banking i.e. philosophy and economic explanation  {\ref (Chopra, 1985)}, service quality  {\ref (Haron, 2010)}, indication of growth \hyperref[b34]{(Munawar, 2005)}, CARTER dimensions in KFH model \hyperref[b37]{(Othman and Owen, 2001)}, factorial impact of service quality on business performance between IBS and CBS (Hasan, 2009), SERVQUAL model; applying in the Islamic banking using structural equation modeling \hyperref[b25]{(Khafafa, 2013)} etc.\par
From 1974, Bangladeshi scholars also drew their contribution to the establishment and development of Islamic banking in Bangladesh \hyperref[b1]{(Ahmed, 1978)} i.e. accounting practice in Islamic banking  {\ref (Mohiuddin \& Rashid, 1993)}, religious impact on the performance of Islamic banks (Mohiuddin, 2001), Poverty alleviation and RDS of IBBL  {\ref (Hawladar, 2004)}, RATER Model applied in the Islamic banking \hyperref[b44]{(Shafie, 2004)}, comparative performance analysis between IBS and CBS  {\ref (Misir, 2005)}, behavioral impact on the performance of Islamic banks impact \hyperref[b40]{(Rashid and Hassan, 2008)}, Compliance of Islamic Shariah \hyperref[b40]{(Rashid, 2008)}, Selection criteria of Islamic Banks \hyperref[b40]{(Rashid, 2008)};  {\ref Khan, 2008)}, technological advancement by Islamic banks in Bangladesh \hyperref[b22]{(Jahiruddin \& Haque, 2009)}, Customer perception on Islamic Banking \hyperref[b42]{(Rashid, 2010)}, Islamic banking as the moderate variable of customer loyalty legal system \hyperref[b48]{(Uddin, 2015)}, Elixir of growth of Islamic banking system \hyperref[b46]{(Shohrowardhy, 2015)} etc. 
\section[{III.}]{III.} 
\section[{Problem of the Statement}]{Problem of the Statement}\par
Problem of the statement has been developed on the basis of real scenario and status of the growth indicators of Islamic Banking Sector (IBS) in Bangladesh. The above table explains the growth of IBS considering 10 (Ten) growth indicators suggested by Bangladesh Bank, the central bank of Bangladesh where every indicators show the better performance than overall banking sector during the 30-years experiences.\par
Service quality and business performances are correlated and co-integrated  {\ref (Ahmed, 2009;} {\ref Haron, 2010} {\ref Haron, , khafafa, 2013;;}\hyperref[b46]{Shohrowardhy, 2015)}. Therefore, the specific question has been raised that what influencing factors are attached behind the growth Islamic Banking Sector in Bangladesh? Thus, this study attempts to examine factors (Elixir) that effect define as philosopher stone regarding the growth of Islamic banking sector in Bangladesh. 
\section[{IV.}]{IV.} 
\section[{Conceptual Framework a) Elixir}]{Conceptual Framework a) Elixir}\par
The term 'Elixir' usually used in the medical science as combination of ingredients of medicine In Bangladesh, no empirical research has ever addressed the issue of sustainability of Islamic Banking System. However, there are some fragmented literatures regarding individual institution's reflection of Islamic banks i.e. comparative analysis about products/ services, riba and interest etc. performance analysis, perception, customer preference and satisfaction have been explained but there is a scarcity of structural studies of ever all Islamic Banking System. Moreover,  {\ref 30-year-experience (1983-2013)} is enough to evaluate the service quality of Islamic Banking Sector for its sustainability in Bangladesh.\par
(Products) for solution of specific disease. It is an ancient term not used frequently in the academic purpose. Elixir is originated from the Arabic word 'Al-Eksar' where 'Al' mean 'the' and 'Eksar' means xerion (Greek Word), the powder for drying wounds. Another way, it is defined as 'sweet-flavored liquid used for medical purpose' (The Oxford Dictionary), 'A sweetened aromatic solution' (The American Heritage® Dictionary), 'Philosopher's Stone' (The US Dictionary), 'Solid used to convert metal into gold' (The GNU Webster 1913, Word Net 3.0). In 1995, for the first time, Minford, P., Riley, J., and Newell, E. used the term 'The Elixir' in academic purpose to explore the integrating factor involved in the trade, non-trade product and development in European counties. The study is used the term 'Elixir' as combined driven forces, dimensions of service quality that enhances growing operational performance of Islamic Banking Sector in Bangladesh. In this study, 34 dimensions with 6 construct of CARTER Model \hyperref[b37]{(Othman and Owen, 2001)} are considered as the proposed elixir of the service quality of Islamic Banking Sector in Bangladesh. 
\section[{b) CARTER Model}]{b) CARTER Model}\par
The CARTER is an instrument that might be used to define and measure the service quality of Islamic Banking System. \hyperref[b37]{Othman and Owen (2001)} has been developed CARTER model to measure service quality of Islamic Banking System. They noted that Islamic banks had to adopt service quality program to their customers and to cope with well-built competition from conventional banks both existing and new arrivals to the financial market. CARTER model is quality assessment tools compelled with six dimensions i.e. compliance-Islamic Shariah (COM)-4 dimensions, assurance (ASU)-5 dimensions, reliability (REL)-4 dimensions, tangibility (TAN)-4 dimensions, empathy (EMP)-4 dimensions, and responsiveness (RES)-4 dimensions. 
\section[{c) Vision-21}]{c) Vision-21}\par
Bangladesh started itself as independent country from 1971. Yet, after 40 years of independence, Bangladesh remains a low-income country (LIC), almost two third of population remains below poverty line \hyperref[b5]{(Buru, 2013)}. For improving the situation and recognizing the long-term development challenges, the present Government has been adopted the Vision 2021. The Vision 2021 calls for Bangladeshi socio-economic environment to be transformed from a low income economy to the first stages of a middle-income country by the year 2021 which also marks as the 50 th anniversary of Bangladesh independence called golden jubilee of the nation. Moreover, Vision 2021 lays down a development scenario where citizens will have a higher standard of living, better educated, will have a more equitable socio-economic environment, and the sustainability of development in all respects will be ensured through better protection from climate change and disasters both materialistic and non-materialistic. There sustainability of the progress in every economic aspect is basic issue in modern time. Finally, the vision-21 is formed for reaching the country as a middleincome country (MIC) replete with the sign of economic progress (GED, 2012). Islamic banking sector is the most influential factor of economic progress and top most successive micro-financer in Bangladesh (UNDP, 2012). Experimentally, IBS have passed crucial time in Bangladesh, but question is its sustainability in the financial market in Bangladesh. 
\section[{V. Theoretical Framework and Methods}]{V. Theoretical Framework and Methods}\par
In this study, a theoretical framework has been developed on the basis of evidence available in the above-mentioned literature. The dependent variable is service quality and the independent variables are compliance of Islamic Shariah, assurance, reliability, tangibility, empathy and responsiveness on the basis of CARTER Model \hyperref[b37]{(Othman and Owen, 2001)} expressed by the function and equation: SQ= ? (COM, ASU, REL, TAN, EMP, RES)\par
And equation under restricted model isSQ= ? 1 COM + ? 2 ASU + ? 3 REL + ? 4 TAN + ? 5 EMP + ? 6 RES + ?\par
Where, SQ expresses the service quality of Islamic banking sector in Bangladesh, ? n?1 n=6 express the standard weight, the explanatory power of the variables and ? notes the standard error of the respective model. 
\section[{VI.}]{VI.} 
\section[{Objectives of the Study}]{Objectives of the Study}\par
The broad objective of this study is to identify the dimensions of service quality that drives the growth of Islamic Banking Sector in Bangladesh. The more specific objectives in this regards are as follows:\par
1. To determine the relationship among the dimensions of CARTER with its constructs in Bangladesh perspective.\par
2. To measure the effect of CARTER constructs with service quality of islamic banking sector of Bangladesh, and 3. To construct the integrated factors (ELIXIR) that drive the growth Islamic Banking sector in Bangladesh.\par
VII. 
\section[{Data Collection Method}]{Data Collection Method}\par
For this study, data was collected via a self administrative questionnaire, which consisted of three major sections. The first section has been designed to collect the information about the respondents regarding their demographic and socio-economic characteristic along with some other factors such as name, address, gender, religion, marital status, living status, age, education, profession, income levels, while second section consists of some specific information regarding the respondents attachment with Islamic banking system, namely name of the bank, use of banking system, customer status (depositor or investor), length of relationship with the Islamic bank and opinion regarding satisfaction in a dichotomic form and finally third section consists of 34 dimensional questions of service quality with six constructs. The responses of the respondents were collected by using the Likerts noncomparative five-point scale of the range of attitude; from 1-strongly disagree to 5-strongly agree. 
\section[{VIII.}]{VIII.} 
\section[{Sampling}]{Sampling}\par
A total of 500 questionnaires were distributed of which only 396 questionnaires were received from six full fledged Islamic banks i.e. Islami Bank Bangladesh Limited (IBBL), Al-Arafah Islami Bank Bangladesh limited (AAIBL), Export-Import Bank Bangladesh Limited (EXIM), First Security Islami Bank Limited (FSIBL), Shahjalal Islami Bank limited (SJIBL), and Social investment bank Limited (SIBL) where 77\% response rate is calculated. Specifically, questionnaires were distributed to every customer considering the working hour of the respective banks (Usually from 9 AM to 5 PM) or their convenience time. However the data were collected from two cosmopolitan city of the country, namely Dhaka and Chittagong. The principal premise in this regard is that the sample will bear the representative characteristic of the population. Besides, Islamic Banking system provided equal services irrespective of location. 
\section[{IX. Statistical Tools used in the Study for Analyzing}]{IX. Statistical Tools used in the Study for Analyzing}\par
The statistical techniques employed in this study are as follows: descriptive and frequency analyses were conducted to represent the respondents' demographic and socio-economic characteristic. In addition, a reliability test to check for the "internal consistency" of the questionnaire by applying Cronbach's Alpha test and Mahalanobis Distance coefficient is used to test the individual consistency of the respondent's responses. Normality distribution was tested using Skewness and kurtosis finally, structural equation modeling (SEM) is used to determine the relationship between dimensions and constructs. The researcher then performed the confirmatory factor analysis (CFA) to test the measurement model specifying the posited relations of the observed variables to the underlying construct. 
\section[{X.}]{X.} 
\section[{Respondents' Demographic and}]{Respondents' Demographic and}\par
Socio-Economic Profile In this research work, we have composed the respondents' responses to find their patterns of usage the services provided by Islamic banks. The demography and socio-economic information shows the justification of respondent's responses involved in this study. For instrumental experiment, we used a modified CARTER model \hyperref[b37]{(Othman and Owen, 2001}) consisting of 34 dimensions with six constructs using 5-points noncomparative scale and found average mean scores ranging from 2.62 to 4.28. The standard deviation of these mean scores is comprised in the interval 0.750 to 1.189. The skewness does not show extreme value ±3 (-1.650 to 0.629) and kurtosis is 0.231 to 2.514, not exceeding the rule of thumb of kurtosis ±8. The descriptive statistics express the normal distribution nature of the responses of the respondents.\par
Reliability test of the administrative questionnaire is varied to measure the impact of the respondents' perception on service quality of Islamic banks in Bangladesh (Wei and Nair, 2006). Cronbach's Alpha Coefficient of six constructs i.e. compliance of Islamic Shariah, assurance, reliability, tangibility, empathy and responsiveness are 0.790(4), 0.649(5), 0.593(4), 0.597(6), 0.687(9) and 0.719(  {\ref 6}) respectively. The overall coefficient of Cronbach's Alpha of 34 dimensions is 0.847 \hyperref[b33]{(34)}. This statistics show the accepted reliability nature of the customer perception on service quality of Islamic banks in Bangladesh \hyperref[b11]{(Finn and Lamb, 1991)}. 
\section[{XII.}]{XII.} 
\section[{Test of the Consistency of Respondent's Responses using Mahalanobis Distance Coefficient}]{Test of the Consistency of Respondent's Responses using Mahalanobis Distance Coefficient}\par
In this study, we incorporate 41variables (34 observed and 7 constructed unobserved variables). The sample size of study stances to 396 indicates optimum level in SEM. A set of standard normally distributed random variables is required for SEM. Mahalanobis dsquire coefficient is used in this study to test of the consistency of 396 respondent's responses. The P 1 shows the assuming normality, the probability of individuals and the P 2 shows, still assuming normality. Small value for P 1 and P 2 are to be expected. It is indicated that the observations are incredibly far from the centroid under the hypothesis of normality \hyperref[b4]{(Bollen, 1987)}. It is evident that the highest value of Mahalanobis Distance Coefficient is d 2 HV = 83.948 (P 1 = 0, P 2 = 0) and the lowest value is d 2 LV = 25.558 (P 1 =0.181, P 2 = 0.000). Considering the coefficient of d 2 of respondent's responses it can be concluded that the requirement of random normality of consistency of respondent's responses is satisfied. 
\section[{XIII.}]{XIII.} 
\section[{Analysis}]{Analysis}\par
Basically, the research work is designed to find out the influencing factors on the growth Islamic banking sector in Bangladesh. We use Structural Equation Modeling (SEM) on SPSS-AMOS version 21.0 to determine the relationship between observed variables (Responses of the respondents on 34 dimensions) and unobserved variables (CARTER constructs with service quality -SQ of Islamic Banking Sector). To analysis these factors, 1 st Order Conformity Factor Analysis (CFA) and 2 nd Order CFA were run and dimensions were tested. 
\section[{a) First Order Conformity Factor Analysis (CFA) of}]{a) First Order Conformity Factor Analysis (CFA) of}\par
Service Quality 1 st order CFA is used to determine the correlation among the factors and appropriateness of variables to the model through deduction or Factor Loading \hyperref[b27]{(Kline, 2011)}. Factor loading is defined as the regression weights in standardized format that indicate the hidden power (strength) and direction of factors on measured variables \hyperref[b9]{(Fabrigar, 1999;} {\ref Kline, 2004;}\hyperref[b6]{Byrne, 2010)}. Figure-1 expresses the factor loading of 20 dimensions that are competent for 2 nd Order CFA \hyperref[b12]{(Fornell and Larcker, 1981;}\hyperref[b6]{Byrne, 2010)}. 
\section[{Global Journal of Management and Business Research}]{Global Journal of Management and Business Research}\par
Volume XVI Issue II Version I Year ( )   
\section[{b) Correlation}]{b) Correlation}\par
From the result of 1 st order CFA, correlation among the constructs has been found. Correlation usually explores the degree of association of defined constructs and expresses the linear relationship between two constructs considering direct causation or statistical change \hyperref[b10]{(Ferdousi, 2009)}. Table-5 indicates the results of correlation among constructs used in this study and found that correlations of reliability, tangibility and responsiveness with assurance are more powerful than others respective of Islamic banking sector in Bangladesh. .   To determine the elixir of service quality of Islamic Banking Sector, 20 dimensions of CARTER model are jurisdicted and 14 dimensions are deducted due to inconstancy of respondents' responses (Low factor loading, below 0.50). Top influential construct of the elixir of service quality of Islamic banking sector in Bangladesh is Assurance (? ASU = 0.922) consisting of three factors, followed by reliability (? REL = 0.901) with two, tangibility (? TAN = 0.768) with three, responsiveness (? RES = 0.699) with five factors, empathy (? EMP = 0.495 ) with three factors and finally compliance of Islamic Shariah (? COM = 0.458) compelled with four factors.\par
XIV. 
\section[{Conclusion}]{Conclusion}\par
The study has exposed the combined driven forces of service quality of Islamic banking sector in Bangladesh which is introduced as the elixir of service quality. It is worth mentioning here that compliance of Islamic Shariah, assurance, reliability, tangibility, empathy and responsiveness are significantly correlated in Bangladesh perspective. The results of this study also found that the assurance is the most influential construct of service quality followed by reliability, tangibility, responsiveness, empathy and compliance of Islamic Shariah. For suitability of the Islamic Banking Sector in Bangladesh, the devoted authorities should concentrate themselves to construct the Islamic banking system loyalty ensuring more accountability of complying Shariah principle in all scope of Islamic banking operation in Bangladesh. It should mention here that some specific factors are not loaded by respondents' responses i.e. cognitive knowledge, trustee on customer transaction, corporate service, team work, parking facility, charge against service, networking location that too important for optimum level of the service quality of Islamic banking in Bangladesh. . 
\section[{XV.}]{XV.} 
\section[{Limitation of the Study}]{Limitation of the Study}\par
In this study, as organizational sample, six fullfledged Islamic banks have been considered as Islamic banking sector in Bangladesh. And data have been collected from two cosmopolitan cities as assuming that equal services are provided for all customers by Islamic banks. 
\section[{XVI.}]{XVI.} 
\section[{Scope of Further Research}]{Scope of Further Research}\par
This study may have a few limitations to explore the scope of further research i.e. as organizational sample considering all banks practicing Islamic banking in branching or window form, reconstructing sampling design considering the rural and urban area.\begin{figure}[htbp]
\noindent\textbf{2}\includegraphics[]{image-2.png}
\caption{\label{fig_0}2 .}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{2}\includegraphics[]{image-3.png}
\caption{\label{fig_1}Figure- 2 :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{}\includegraphics[]{image-4.png}
\caption{\label{fig_2}}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{} \par 
\begin{longtable}{P{0.42837301587301585\textwidth}P{0.11974206349206348\textwidth}P{0.16190476190476188\textwidth}P{0.10287698412698412\textwidth}P{0.0371031746031746\textwidth}}
\tabcellsep \multicolumn{3}{l}{Banking Industry of Bangladesh}\tabcellsep \\
\tabcellsep No. of Banks\tabcellsep \% of Share\tabcellsep No. of branch\tabcellsep \% of Share\\
Conventional Banking Sector\tabcellsep 48\tabcellsep 85.71\%\tabcellsep 5313\tabcellsep 84.70\%\\
Full Fledged Islamic\tabcellsep 8\tabcellsep 14.29\%\tabcellsep 916\tabcellsep 14.60\%\\
Branching Islamic\tabcellsep 9\tabcellsep 16.07\%\tabcellsep 19\tabcellsep 0.30\%\\
Windows Islamic\tabcellsep 8\tabcellsep 14.29\%\tabcellsep 25\tabcellsep 0.40\%\\
Islamic Banking Sector\tabcellsep 25\tabcellsep 44.64\%\tabcellsep 960\tabcellsep 15.30\%\\
Overall Banking Industry\tabcellsep 56\tabcellsep \tabcellsep 6273\tabcellsep \\
Source: DIBB Report, 2015\tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
\multicolumn{2}{l}{From the inception in 1983, Islamic banks have}\tabcellsep \multicolumn{3}{l}{2014). Table -2 explores the comparative growth}\\
\multicolumn{2}{l}{shown better performance (IBBL, 2014) and growth is}\tabcellsep \multicolumn{3}{l}{position of Islamic Banking Sector considering the}\\
\multicolumn{2}{l}{substantial (Shohrowardhy. 2015) and remarkable (BBR,}\tabcellsep \multicolumn{3}{l}{overall performance from FY2005-06 to FY 2013-14.}\\
\multicolumn{4}{l}{Table-2 : Growth of Islamic Banking Sector in Bangladesh}\tabcellsep \\
Growth Indicators\tabcellsep \multicolumn{2}{l}{Islamic Banking Sector}\tabcellsep \multicolumn{2}{l}{Overall Banking Sector}\\
Deposits\tabcellsep \multicolumn{2}{l}{18.00\%}\tabcellsep 82.00\%\tabcellsep \\
Investment\tabcellsep \multicolumn{2}{l}{21.00\%}\tabcellsep 79.00\%\tabcellsep \\
Classified Investment\tabcellsep 4.20\%\tabcellsep \tabcellsep 8.90\%\tabcellsep \\
Equity\tabcellsep \multicolumn{2}{l}{15.00\%}\tabcellsep 85.00\%\tabcellsep \\
Classified Equity\tabcellsep \multicolumn{2}{l}{39.90\%}\tabcellsep 59.30\%\tabcellsep \\
Asset\tabcellsep \multicolumn{2}{l}{17.00\%}\tabcellsep 83.00\%\tabcellsep \\
Remittance\tabcellsep \multicolumn{2}{l}{28.00\%}\tabcellsep 72.00\%\tabcellsep \\
Import\tabcellsep \multicolumn{2}{l}{21.00\%}\tabcellsep 79.00\%\tabcellsep \\
Export\tabcellsep \multicolumn{2}{l}{24.00\%}\tabcellsep 76.00\%\tabcellsep \\
Capital Adequacy Rate\tabcellsep \multicolumn{2}{l}{12.16\%}\tabcellsep 11.50\%\tabcellsep \\
Source: DIBB Report, 2015\tabcellsep \tabcellsep \tabcellsep \tabcellsep \end{longtable} \par
 
\caption{\label{tab_0}}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{-} \par 
\begin{longtable}{P{0.19261083743842364\textwidth}P{0.28472906403940884\textwidth}P{0.11724137931034483\textwidth}P{0.2554187192118227\textwidth}}
\multicolumn{2}{l}{Assurance}\tabcellsep Empathy\tabcellsep \\
ASU5\tabcellsep Cognitive Knowledge\tabcellsep EMP20\tabcellsep Qualified Mgt Team\\
ASU6\tabcellsep Trustee\tabcellsep EMP24\tabcellsep Attractive Location\\
Reliability\tabcellsep \tabcellsep EMP25\tabcellsep Confidentiality Maintenance\\
REL12\tabcellsep More service in Pick time\tabcellsep EMP26\tabcellsep Profitability Trends\\
REL13\tabcellsep Reasonable Waiting Time\tabcellsep EMP27\tabcellsep Parking Facility\\
Tangibility\tabcellsep \tabcellsep EMP28\tabcellsep Min Charge\\
TAN14\tabcellsep Team Work\tabcellsep \multicolumn{2}{l}{Responsiveness}\\
TAN15\tabcellsep Modern Technological Equipment\tabcellsep RES31\tabcellsep Service Demo\\
TAN16\tabcellsep Flexible Operation Time\tabcellsep \tabcellsep \\
\multicolumn{2}{l}{Source: Generated by Authors}\tabcellsep \tabcellsep \end{longtable} \par
 
\caption{\label{tab_3}Table - 4}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{-} \par 
\begin{longtable}{P{0.1882911392405063\textwidth}P{0.19367088607594934\textwidth}P{0.22594936708860758\textwidth}P{0.24208860759493672\textwidth}}
Asu\tabcellsep <-->\tabcellsep Emp\tabcellsep 0.344\\
Asu\tabcellsep <-->\tabcellsep Res\tabcellsep 0.679\\
Asu\tabcellsep <-->\tabcellsep Rel\tabcellsep 0.889\\
\tabcellsep \tabcellsep 5 : Correlation\tabcellsep \\
Estimate\tabcellsep \tabcellsep \tabcellsep \\
Com\tabcellsep <-->\tabcellsep Asu\tabcellsep 0.360\\
Com\tabcellsep <-->\tabcellsep Tan\tabcellsep 0.300\\
Com\tabcellsep <-->\tabcellsep Emp\tabcellsep 0.325\\
Com\tabcellsep <-->\tabcellsep Res\tabcellsep 0.392\\
Com\tabcellsep <-->\tabcellsep Rel\tabcellsep 0.437\\
Asu\tabcellsep <-->\tabcellsep Tan\tabcellsep 0.712\end{longtable} \par
 
\caption{\label{tab_4}Table -}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{-} \par 
\begin{longtable}{P{0.5508710801393728\textwidth}P{0.039982578397212545\textwidth}P{0.0770034843205575\textwidth}P{0.08440766550522648\textwidth}P{0.029616724738675954\textwidth}P{0.06811846689895469\textwidth}}
\multicolumn{3}{l}{Reliability SQ= ?(Rel) where ? REL = 0.901 2}\tabcellsep \tabcellsep \\
\multicolumn{2}{l}{REL11 Convenient}\tabcellsep 0.748\tabcellsep 0.758\tabcellsep 4\\
\multicolumn{2}{l}{REL10 Secured}\tabcellsep 0.502\tabcellsep 0.495\tabcellsep 5\\
\multicolumn{3}{l}{Tangibility SQ= ?(Tan) where ? TAN = 0.768 3}\tabcellsep \tabcellsep \\
\multicolumn{2}{l}{TAN19 interior decoration}\tabcellsep 0.699\tabcellsep 0.684\tabcellsep 6\\
\multicolumn{2}{l}{TAN18 Strong Network}\tabcellsep 0.513\tabcellsep 0.526\tabcellsep 7\\
\multicolumn{2}{l}{TAN17 Effective Delivery}\tabcellsep 0.512\tabcellsep 0.515\tabcellsep 8\\
\multicolumn{3}{l}{Responsiveness SQ= ?(Res) where ? RES = 0.699 4}\tabcellsep \tabcellsep \\
\multicolumn{2}{l}{RES32 Individual Attention}\tabcellsep 0.661\tabcellsep 0.664\tabcellsep 9\\
\multicolumn{2}{l}{RES34 Affordable terms}\tabcellsep 0.658\tabcellsep 0.645\tabcellsep 10\\
\multicolumn{2}{l}{RES30 Customer Handling RES33 Business Knowledge}\tabcellsep 0.589 0.596\tabcellsep 0.600 0.597\tabcellsep 11 12\tabcellsep 2016\\
\multicolumn{3}{l}{RES29 Equal for All Empathy SQ= ?(Emp) where ? EMP = 0.495 5 0.508}\tabcellsep 0.509\tabcellsep 13\tabcellsep Year\\
\multicolumn{2}{l}{EMP22 Investment Modes}\tabcellsep 0.723\tabcellsep 0.747\tabcellsep 14\\
\multicolumn{2}{l}{EMP21 Available Fund}\tabcellsep 0.668\tabcellsep 0.652\tabcellsep 15\\
\multicolumn{4}{l}{EMP23 Reputation \& Image Compliance of Islamic Shariah, SQ= ?(Com) where ? COM = 0.458 6 0.509 0.496 Com3 Rules \& Regulations 0.874 0.891 Com4 Complaisance Shariah 0.745 0.735 Com1 IF-Saving \& Investment 0.722 0.725 Com2 Trade-Buy \& Sell 0.592 0.583}\tabcellsep 16 17 18 19 20\tabcellsep Volume XVI Issue II Version I\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep ( ) E\\
\tabcellsep \tabcellsep Factor Loading from\tabcellsep Standard Weight (?)\tabcellsep \tabcellsep Global Journal of Management and Business Research\\
\tabcellsep \tabcellsep 1 st Order CFA\tabcellsep from 2 nd Order CFA\tabcellsep Rank\\
\multicolumn{3}{l}{Assurance SQ= ?(Asu) where ? ASU = 0.922 1}\tabcellsep \tabcellsep \\
ASU9\tabcellsep Custom Advice\tabcellsep 0.639\tabcellsep 0.644\tabcellsep 1\\
ASU8\tabcellsep Gentle, Polite \& friendly\tabcellsep 0.523\tabcellsep 0.523\tabcellsep 2\\
ASU7\tabcellsep Simplest Manner\tabcellsep 0.506\tabcellsep 0.499\tabcellsep 3\end{longtable} \par
  {\small\itshape [Note: Source: Generated by Authors]} 
\caption{\label{tab_5}Table - 6}\end{figure}
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\end{document}
