The purpose of this study is to examine asnafs’ acceptance of home financing in Malaysia.
Abstract
Purpose
The purpose of this study is to examine asnafs’ acceptance of home financing in Malaysia.
Design/methodology/approach
This work developed and introduced the maqasid theory of consumer behaviour (MTCB) to examine the effects of educational programmes, mortgage welfare, consumer justice and Islamic debt policy on receptiveness. Data analysis involving 733 respondents was conducted using partial least squares (PLS), where SmartPLS4.0 software comes into play.
Findings
In the core model, the effects of the MTCB’s variables helped shape the development of asnaf home financing acceptance.
Research limitations/implications
This study was based on quantitative data and geographical constraints.
Practical implications
The findings provide valuable inputs for the Joint Committee Body (JCB), combining Islamic banks and State Islamic Religious Councils to develop action plans for improving the facility offered.
Social implications
This work functioned as a social benchmark for improving Islamic home financing that includes asnafs’ homeownership.
Originality/value
A new conceptual framework for asnaf home financing drawn from MTCB is developed in the context of asnafs’ homeownership.
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This study aims to investigate mustahiq business success using a newly developed index called asnaf muslimpreneur success index (AMSi).
Abstract
Purpose
This study aims to investigate mustahiq business success using a newly developed index called asnaf muslimpreneur success index (AMSi).
Design/methodology/approach
Following Abu Zaharah theory of al-Maqasid al-Shariah, the authors developed the AMSi through literature analyses and expert judges involving three Shariah scholars for improved extensions and applications. Subsequently, the authors conducted the actual survey, which included 17 mustahiq who had been assisted by the zakat institution in running their small and halal businesses in Sabah, Malaysia.
Findings
Using the AMSi, the success of asnaf businesses was in the moderate index, implying the success meets the index score of more than 50%. All indexes capturing asnafs’ business experience, asnafs’ business justice, asnafs’ well-being and asnafs’ financial wisdom were greater than the threshold value of 0.5 or 50%, implying that the interaction of the battery items involved in those variables resulted in satisfactory results, indicating that they are relevant and essential in gauging the asnafs’ success level in the development business programme.
Research limitations/implications
The results obtained were at the exploratory level, and for that, more studies related are expected to be conducted in the future, where the coverage of the respondents used is larger to extend the findings, at least.
Practical implications
The results obtained can become a yardstick to gauge the success of asnaf muslimpreneurs in Sabah, East Malaysia.
Originality/value
This study introduces new measures of asnaf muslimpreneur success model, where mustahiq business is brought into play.
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Norhazlina Ibrahim and Safeza Mohd Sapian
This study, using systematic literature review (SLR) aims to highlight and summarise current studies on the factors influencing customers’ Islamic home financing (IHF) selection…
Abstract
Purpose
This study, using systematic literature review (SLR) aims to highlight and summarise current studies on the factors influencing customers’ Islamic home financing (IHF) selection and Islamic banking product preference, which has gained popularity within the banking sector over the past three decades. The SLR could map evolution and research fields, recommend a particular categorisation and determine primary issues to demonstrate current trends, future research directions and theoretical development.
Design/methodology/approach
The SLR was performed with a four-step reporting standard for the systematic evidence syntheses review method (research question formulation, systematic searching, quality assessment and data extraction) using 33 screened articles between 2008 and 2020 from two primary databases (Scopus and Web of Science) and one supporting database (Google Scholar).
Findings
The resulting factors could be categorised into four primary themes: consumer behaviour, consumer attributes, bank attributes and bank attributes (Islamic). The themes were subsequently divided into 16 sub-themes. Notably, all the factors proved essential for consumers’ evolving preferences and product competitiveness in the market.
Research limitations/implications
This study encountered two limitations based on database selection and research period.
Practical implications
This SLR aimed to offer useful insights into the factors that should be prioritised by financial institutions for marketing approaches by investigating consumer behaviours.
Originality/value
This study pioneered an SLR on the study area for useful insights into the current research limitations and recommendations on future study directions. Specifically, the study method facilitated critical discussions and comparisons to past research outcomes and objectivity with triangulation from distinct perspectives.
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Steven Wyatt, Robin Miller, Peter Spilsbury and Mohammed Amin Mohammed
In 2011, community nursing services were reorganised in England in response to a national policy initiative, but little is known about the impact of these changes. A total of…
Abstract
Purpose
In 2011, community nursing services were reorganised in England in response to a national policy initiative, but little is known about the impact of these changes. A total of three dominant approaches emerged: (1) integration of community nursing services with an acute hospital provider, (2) integration with a mental health provider and (3) the establishment of a stand-alone organisation, i.e. without structural integration. The authors explored how these approaches influenced the trends in emergency hospital admissions and bed day use for older people.
Design/methodology/approach
The methodology was a longitudinal ecological study using panel data over a ten-year period from April 2006 to March 2016. This study’s outcome measures were (1) emergency hospital admissions and (2) emergency hospital bed use, for people aged 65+ years in 140 primary care trusts (PCTs) in England.
Findings
The authors found no statistically significant difference in the post-intervention trend in emergency hospital admissions between those PCTS that integrated community nursing services with an acute care provider and those integrated with a mental health provider (IRR 0.999, 95% CI 0.986–1.013) or those that did not structurally integrate services (IRR 0.996, 95% CI 0.982–1.010). The authors similarly found no difference in the trends for emergency hospital bed use.
Research limitations/implications
PCTs were abolished in 2011 and replaced by clinical commissioning groups in 2013, but the functions remain.
Practical implications
The authors found no evidence that any one structural approach to the integration of community nursing services was superior in terms of reducing emergency hospital use in older people.
Originality/value
As far as the authors are aware, previous studies have not examined the impact of alternative approaches to integrating community nursing services on healthcare use.
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Mohammed Amin Rabah and Bekhti Mohammed
The present work aims to analyze the performance of a newly designed graphene-based patch antenna by varying the chemical potential in graphene sheet, using the CST Microwave…
Abstract
Purpose
The present work aims to analyze the performance of a newly designed graphene-based patch antenna by varying the chemical potential in graphene sheet, using the CST Microwave Studio ® software. This study mainly seeks to discuss and assess the advantage of using graphene, instead of copper, as the radiating patch. It should be noted that graphene is a new material that possesses unique properties. Its parameters are optimized for the purpose of introducing it in satellite technology.
Design/methodology/approach
The use of graphene as a radiating patch of space technology applications, where a polygonal graphene patch antenna element is designed by the CST Microwave Studio ® software with Taconic RF-41 substrate to resonate in the satellite bands.
Findings
Analysis of a graphene patch sheet by a variation in the chemical potential to ensure operation in a space environment.
Originality/value
The increase in the chemical potential for a graphene patch antenna has shown a prominent increase in the values of the gain. A new contribution, by the combination of the antenna performance improvement techniques and the use of graphene as a radiating patch of space technology applications.
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Keywords
The initial public offering (IPO) of a 1.5% stake in Saudi Aramco on December 6 reached the top end of the recommended price range, giving the company a relatively high valuation…
Details
DOI: 10.1108/OXAN-DB249356
ISSN: 2633-304X
Keywords
Geographic
Topical
This follows a January agreement with official creditors, who are owed approximately USD5.4bn. That allowed the country to receive the second disbursement of USD600mn from the IMF…
S.V. Raghavan and V. Balasubramaniyan
The purpose of this paper is to study the financial facilitators who provide financial muscle to terrorists.
Abstract
Purpose
The purpose of this paper is to study the financial facilitators who provide financial muscle to terrorists.
Design/methodology/approach
The methodology adopted is based on the available materials on two major terrorists groups: Al Qaeda and LTTE, who have terrorized the global community in the last two decades.
Findings
The key findings are that most financial facilitators are knowledgeable, literate and suave and who are kin of the top leadership or part of the clan/sect. Kinship is an important factor for trust worthiness, which leads to their association with the top level leadership for a decade or so, to handle aspects related to a terror group. Also, illegal fund raising/moving aspects are controlled by financial/operational heads of groups, while legal fund raising methods are handled by sympathizers.
Research limitations/implications
The methodology is based on descriptive analysis of existing materials gathered from different writings of different persons in different places, as none of the traditional approaches to the study is possible. The only possible method for analysis is a behavioural approach, and that too on a selective basis, not in total.
Practical implications
Government intelligence agencies need to strive to identify such facilitators, who in turn may lead them to the top leadership, as happened in the cases of Osama bin laden and Hambali.
Originality/value
There is no previous systematic approach which has attempted to study the financial facilitators who provide financial muscle to terrorists. The value of this paper lies in its originality of presentation of facts in a systematic fashion.
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Said Abdel Hakim Rateb, Azza Abdel Razek El Nouman, Moshira Abdel Hakim Rateb, Mohamed Naguib Asar, Ayman Mohammed El Amin, Saad abdel Aziz Gad and Mohamed Salah Eldin Mohamed
The purpose of this paper is to develop a model for improving health services provided by the pre‐employment medical fitness check‐up system affiliated to Egypt's Health Insurance…
Abstract
Purpose
The purpose of this paper is to develop a model for improving health services provided by the pre‐employment medical fitness check‐up system affiliated to Egypt's Health Insurance Organization (HIO).
Design/methodology/approach
Operations research, notably system re‐engineering, is used in six randomly selected centers and findings before and after re‐engineering are compared. The re‐engineering model follows a systems approach, focusing on three areas: structure, process and outcome. The model is based on six main components: electronic booking, standardized check‐up processes, protected medical documents, advanced archiving through an electronic content management (ECM) system, infrastructure development, and capacity building. The model originates mainly from customer needs and expectations.
Findings
The centers' monthly customer flow increased significantly after re‐engineering. The mean time spent per customer cycle improved after re‐engineering – 18.3±5.5 minutes as compared to 48.8±14.5 minutes before. Appointment delay was also significantly decreased from an average 18 to 6.2 days. Both beneficiaries and service providers were significantly more satisfied with the services after re‐engineering. The model proves that re‐engineering program costs are exceeded by increased revenue.
Research limitations/implications
Re‐engineering in this study involved multiple structure and process elements. The literature review did not reveal similar re‐engineering healthcare packages. Therefore, each element was compared separately.
Practical implications
This model is highly recommended for improving service effectiveness and efficiency.
Originality/value
This research is the first in Egypt to apply the re‐engineering approach to public health systems. Developing user‐friendly models for service improvement is an added value.
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Keywords
Raisi's comments respond to the Taliban's refusal to moderate their hard-line approach. The Taliban government is becoming isolated from Pakistan as well as Iran, two neighbours…