The essential point of this qualitative research is to dig into the complicated variables that contribute to the formation of customer loyalty within Islamic banks working in Iraq. By utilizing a grounded theory approach, the study looks for to recognize, analyze, and get it the basic components that shape the loyalty of customers within the special context of Iraqi Islamic banking. In-depth interviews were conducted with 22 stakeholders representing five Islamic banks, generating qualitative data specifically tailored to the context of Iraqi Islamic banking. The research employs a grounded theory approach, which is characterized by its inductive and data-driven nature. A sample size of 22 stakeholders may introduce bias, limiting diverse perspectives. Time-focused analysis may overlook evolving loyalty factors. Relying solely on qualitative data, like interviews, introduces subjectivity. A balanced approach, combining qualitative and quantitative data, enhances reliability and provides a broader understanding of Iraqi Islamic banks' customer loyalty determinants. Findings reveal that the antecedents of customer loyalty in Islamic Iraqi banks can be categorized into three distinct groups: Social, Individual, and Banking factors. The study identifies various consequences associated with customer loyalty, including Positive Customer Experience, Word-of-Mouth Referrals, Enhanced Customer Lifetime Value, Competitive Advantage, Higher Customer Advocacy, Word-of-Mouth Referrals, Enhanced Customer Lifetime Value, and Financial Stability. The originality and value of this research lie in its novel exploration of loyalty formation in Iraqi Islamic banks, utilizing a grounded theory approach. Contrary to prior findings, the study identifies three categories of antecedents and various consequences of customer loyalty, offering a unique perspective.
