Collaborative Islamic Banking Service: The Case of Ijarah

  • Karim Ullah
  • Wafi Al-Karaghouli
  • Shafiullah Jan


This paper explores the collaborating roles of various service cocreators, within an auto Ijarah service, to establish how Islamic bank, customer, and supporting parties cocreate an Islamic banking service within a market, while using in depth narrative single case qualitative data analysis of an Ijarah manager and supporting documents. This collaborative perspective challenges the current dominant perspective of service being produced by the financial institutions alone. These findings enhance our understanding of how a holistic auto Ijarah service is cocreated by multiple parties within market. This is contrary to the prevailing assumption that an Ijarah is a product of an Islamic bank alone. This perspective can provoke thinking towards a more collaborative and trust building culture by forming a holistic Islamic banking community within market.
How to Cite
ULLAH , Karim; AL-KARAGHOULI , Wafi; JAN , Shafiullah. Collaborative Islamic Banking Service: The Case of Ijarah . Business & Economic Review, [S.l.], v. 9, n. 2, p. 187-202, june 2017. ISSN 2519-1233. Available at: <>. Date accessed: 08 may 2021.