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In the realm of banking, Islamic banking concepts and practices may appear unfamiliar to certain customers, particularly those transitioning from conventional banking systems. The perception of customers is significantly influenced by the level of education and awareness imparted by the banks themselves. Moreover, it is widely believed that customer perception directly impacts their satisfaction levels. Within Tanzania, the Islamic banking sector has experienced modest growth in recent years. This study aims to delve into the perception held by customers regarding Islamic Banks’ adherence to Shariah principles in their operations. Also, it aims to understand the factors that attract customers to Islamic banks instead of conventional ones. This research focuses on the Islamic banking industry in Tanzania, covering both the mainland and the Island of Zanzibar. A total of 305 Islamic bank customers participated in this study by completing a close-ended questionnaire. Using a descriptive research design, this study examined four key factors: the banks’ compliance with Shariah principles, customers’ awareness of Islamic banking products and services, criteria used by customers when selecting a bank, and customer satisfaction with the quality of services offered. The findings showed that the majority of Islamic bank customers in Tanzania perceived these banks to be operating in accordance with Shariah law. This study also highlighted that Shariah compliance was the primary influencing factor in choosing an Islamic bank over a conventional followed by service quality. Therefore, Islamic banks in Tanzania should focus on providing more education about Islamic banking and ensuring that their products align with Islamic law. [ABSTRACT FROM AUTHOR]

Many institutions of higher education in Tanzania and other developing economies are striving to improve the quality of education through imposing policies and other appropriate measures. One of the measures imposed by governments of these economies is the establishment of governing boards which are responsible among other things; quality control and assurance in higher learning institutions to make sure each and every institution adhere to the standards set by these watchdogs. This study is aimed at investigating the quality of library services in public universities using SERVQUAL MODEL. It should be noted that, quality management in not-for-profit organizations is challenging than profit oriented organizations. The one who pays for the services in public institutions does not necessarily be the one who consumes the services and those who consume the services sometimes don't pay for the services. The findings of this study revealed that there is an overall service quality gap for users of public universities library services in all universities combined. However, some universities are better off than their counterparts. [ABSTRACT FROM AUTHOR]