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Islamic banking is growing rapidly and currently are operating in about half of the world countries. In the current study, factors that contribute to taking out a personal finance from full-fledged Islamic banks in Saudi Arabia were investigated. To achieve the study objective, customers (269) of full-fledged Islamic banks from Almadinah city were surveyed using self-administered questionnaire. About 53% of the sample reported taking out a personal finance from Islamic banks. The purpose of taking personal finance was consumption and investment in 90% and 10% of the cases respectively. Regression analysis showed that age, social status, type of employment, satisfaction level and adherence to Islamic principles were associated with taking out a personal finance. The results provide feedback to the Islamic banks in Almadinah to improve personal financing programs.

Factors Associated with Taking out a Personal Finance from Islamic Banks: A Study from Almadinah, Saudi Arabia