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Tourism development has been perceived as a promoter of city restoration and can also affect the post-war city reconstruction. Questions on how to reconstruct ruined buildings and urban areas through a post-war tourism-oriented approach based on the expectations of residents and tourists profound answers. The purpose of this paper is to adopt the sequential mixed method (qualitative and quantitative) with purposive sampling which is a non-probability method to investigate tourism-oriented approaches in the reconstruction of buildings and landmarks as the core components of urban tourism.

The study adopted the sequential mixed method (qualitative and quantitative) to investigate tourism-oriented approaches in the reconstruction of buildings and landmarks as the core components of urban tourism.

The findings of the study point that the preferred strategy for the reconstruction of damaged symbolic building is the preservation of the war effects in regard maintaining the buildings’ history to be considered by urban policy makers, urban designers, and authorities.

The constraint was associated with the time-consuming nature of this type of research. Original documents of the research context and all the interview data were in the Persian language, making the translating process a time-consuming matter. Furthermore, data collection in the area located near the Iran-Iraq border (500 meters) presented a number of security caveats as limitations.

The research found a majority of tourists and the residents preferred tourism zone where the combination of post-war and natural attraction across riverside area. In other word, most considerable post-war attractions are those that combined with the appeal of the other tourism potentials like eco-leisure tourism. The preferred strategy for the reconstruction of damaged building reconstruction as post-war tourism attractions is the preservation of the war effects in regard maintaining the buildings history rather than reconstruction as the most likely to pre-war conditions with less attention paid to the war effects.

Architecture influences people and the environment from the past, present and the future. Nevertheless architecture and design quality is viewed as subjective, and benchmarks to achieve consensus are necessary for design or evaluation of buildings. This paper establishes architectural design criteria for design quality of multi-storey housing buildings. A set of the criteria was established with literature review, an operational definition and survey on qualified persons or architects in the professional practice of architecture. The literature reviews identified seven concepts for architecture and design quality, and the operational definition translated this architectural design quality to measurable and observable cases and variables. The survey collected these variable data from a purposive sample of 95 respondents, and these data were examined by statistical analysis. The results of the descriptive statistics, inferential t-tests (p ≤ 0.05) and positive hypothesis testing verified that respondents in general agreed to these seven design concepts as architectural design criteria for design quality. These results established the first ever set of seven architectural design criteria which were ranked in descending order of significance as function, socio-culture, site context, cost, aesthetic of art, sustainability, and Feng Shui. These architectural design criteria can be applied to the design or evaluation of multi-storey housing buildings for the good of people and the environment.

Zakat has succeeded in becoming one of the safety nets for welfare during the crisis. As a result, continuous improvement is a necessity, especially through strengthening technology adaptation. This study aims to explore the factors determining Muslim behavior on their intention to pay zakat by taking into consideration the adoption of digital technology using the modified Unified Theory of Acceptance and Use of Technology (UTAUT).

The data collected were 265 respondents who live in urban and suburban areas. They were processed using the partial least square structural equation modeling (PLS-SEM) design. Furthermore, the multigroup analysis (MGA) was conducted to capture the difference results between urban and suburban.

The findings show that performance expectancy, social influence, facilitating conditions, perceived security and privacy and zakat literacy significantly increase the intention of Muzakki to adopt financial technology. Perceived security and privacy has succeeded in being an important predictor of digital payment adoption for Muzakki. This paper provides a specific description of the adoption of Muzakki living in urban and suburban areas by using MGA. The research findings illustrate that there is a different urgency between the related variables. Suburban communities have more significant results regarding the research model used.

This research provides new component variables that can drive individuals’ intentions to use digital services to pay zakat online by using the redesigned UTAUT model. Further research can explore more variables related to zakat digitalization, such as social media interaction, by conducting in-depth interviews with stakeholders to improve zakat performance in this digital era.

The result of this research recommends that zakat institutions enhance their zakat literacy and education among the Muslim population to improve zakat performance. The government should pay attention to the digital ecosystem to attract the community to use a digital platform.

This research modified the UTAUT model by integrating several other important constructs to produce more comprehensive findings in investigating the factors that can influence an individual's intention to pay zakat through an online digital platform. This study also examined the indirect effect to obtain significant results by positioning perceived security and privacy as an intervening variable. The implementation of the MGA was conducted to divide research respondents into two categories (urban and suburban) and compare the test results.

This study aims to investigate mustahiq business success using a newly developed index called asnaf muslimpreneur success index (AMSi).

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.

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.

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.

The results obtained can become a yardstick to gauge the success of asnaf muslimpreneurs in Sabah, East Malaysia.

This study introduces new measures of asnaf muslimpreneur success model, where mustahiq business is brought into play.

This paper aims to examine the determinants that influence acceptance towards e-wallet apps by extending the technology acceptance model (TAM) among (asnaf), a term used for charity or gift receivers from alms tax distribution institutions also known as donee.

The review of literature and structural equation modelling approach using judgemental sampling on extended TAM and determinants of e-wallet apps’ acceptance related to asnaf (donee) were conducted in a bid to contribute to the factors that are instrumental in determining acceptance of e-wallet services among asnaf.

The findings indicate that the e-wallet app’s service acceptance is determined not only by perceived usefulness, consumer maqasid index and consumer innovativeness but also by subjective norms. On the contrary, consumer maqasid index and perceived ease of use do not lend themselves to be the factor of asnafs’ e-wallet acceptance. The authors extend the TAM model to determine the factors that may be influential in predicting the e-wallet app acceptance by asnaf.

In assessing future outcomes when different sampling techniques are opted for and geographic coverage is expanded, this study should be considered in terms of the limited scope.

This study is intended to serve as a reference for making a significant contribution related to user acceptance factors related to alms tax-based e-wallet apps in asnafs’ context in Malaysia in terms of both theory and practice.

TAM is extended in the context of e-wallet app acceptance among asnafs’. A variable, namely, consumer innovativeness, is tested using the extended TAM model. To the best of the authors’ knowledge, consumer innovativeness in the context of asnafs’ acceptance of e-wallet apps is yet to be tested. Therefore, this paper will be a useful reference for policymakers, technologists, academicians and future researchers.

This paper aims to examine the factors that influence bank customers’ acceptance towards FinTech using the unified theory of acceptance and use of technology (UTAUT) model.

A survey was carried out, and a judgemental sampling method was used. Moreover, over 200 responses were gathered from individuals that were bank account holders. Besides, the literature on the factors that influence an individual acceptance towards FinTech using the UTAUT model was also reviewed as an effort to contribute towards the factors that are significant in predicting the acceptance of FinTech services.

The results of the study revealed that performance expectancy and effort expectancy are the main factors in determining the acceptance of FinTech services. Moreover, consumer innovativeness plays an important role in the acceptance of FinTech by bank users. In contrast, social influence and facilitating conditions were not the determinants of FinTech acceptance in Pakistan.

This study not only contributed to the theoretical extensions but also to practical implications, which would benefit the community of FinTech service providers in Pakistan.

The limitations of this study were two but are not limited to, firstly, the respondents which were taken among bank customers in Pakistan, confining its contribution to the narrowed perspective of Pakistan. Besides, this study also considers its contributions towards the use of the UTAUT in which the factors examined were specific, which may elucidate that the generalization of the findings only includes FinTech, where the UTAUT comes into play. This study is an eye-opener for the merging perspective of both the UTAUT and FinTech.

UTAUT is extended in the context of FinTech. Consumer innovativeness is incorporated in the context of the UTAUT model. Consumer innovativeness is yet to be tested and for that this study is a useful reference for academicians, policymakers and future researchers.

Despite the significant growth in Islamic economies and the increasing number of Muslim youths inclining digital services, empirical-based research addressing the adoption of digital Islamic services is still limited. ZakaTech is a new phrase that has recently emerged as a modern term describing novel technologies adopted by zakat institutions; yet, it has been largely neglected in the literature. Therefore, this study aims to provide an integrated model that scrutinizes the determinants of acceptance and use of technology (UTAUT) of ZakaTech, combined with social cognitive theory (SCT), in the midst of the COVID-19 crisis where social distancing is the norm in conducting economic activities.

Based on cross-national evidence from two Muslim-majority countries, a total of 1,006 valid responses were collected from zakat payer users in Saudi Arabia and Egypt using a Web-based survey. To validate the research model and draw significant insights, SmartPLS structural equation modeling was used.

By analyzing both Saudi and Egyptian samples, the authors found that all UTAUT constructs are statistically significant, except for effort expectancy in Egypt. The effects of self-efficacy and social isolation on ZakaTech adoption are supported across both countries. Trust in technology reduces users’ inherent risks and increases their likelihood of adopting ZakaTech services in Saudi Arabia, while this is not the case in Egypt. However, the study revealed that trust in electronic-zakat systems (EZSs) is a vital predictor for mitigating perceived risk among Egyptian users of ZakaTech, but it is not the case in Saudi Arabia. Moreover, significant gender differences were found between males and females in the adoption of such digital services in both countries, particularly regarding self-efficacy, trust in EZSs, social isolation and social influence.

The results provide meaningful insights for policymakers to find ways to develop strategies to escalate the adoption of technology in zakat administration and also to create awareness among the users of ZakaTech in a gender-balanced manner that will include zakat payers and recipients as well in the hope that the digital gender divide will be bridged. Bridging the digital gender divide in this regard is imperative for sustainable inclusive development of zakat. Further, strategies need to be developed to provide incentives to zakat authorities and zakat organizations that adopt technology in managing zakat. This is important to escalate the process of fusing technology with zakat, which is an important social finance tool to eradicate poverty in the world.

This research serves as a building block for literature by empirically testing an integrated model of UTAUT-SCT within a modern and unique related context like ZakaTech. Also, it adds value by testing gender disparities in ZakaTech adoption among Muslims.

The purpose of this paper is to identify the reasons for the variance among tenders for conservation projects in Malaysia.

Semi-structured interview approach was adopted because this method allows for effective probing of issues. The interviews are conducted with experienced conservation contractors. The interviews are transcribed and the data are analysed using thematic analysis. Coefficient of variation (CV) measure was also used to determine the level of variance that occurs in tenders for conservation projects.

The study found that contractors faced difficulty in pricing competitively due to the following four factors, namely, uncertain information on the actual work on site, inexperience in conservation construction works, information in the bill of quantities is incomplete and uncertain labour and material cost. The study of 22 tenders also ascertains that there is a high variance among the tenderers for building conservation projects. This is determined by the CV analysis where conservation works has a mean CV of 25.5 per cent as compared to 6.5 per cent for new build works.

While the interviews managed to draw out insights into the reasons for the high variance among the tender amounts, a definitive conclusion cannot be drawn on the level of variance in tendering for conservation projects due to the limited data that is available for analysis.

The paper offers an insight into the reasons why tenders for conservation projects usually have a higher variance than the norm.

The purpose of this paper is to address the overarching question, which was whether the incentives programmes formulated for the community have been found to be suitable to the aspirations and needs of the local residents.

This study has resulted from the authors’ experience through conducting a survey with the local residents in three locations, namely the Bukchon Hanok Village located at Seoul metropolitan city; the Hahoe Village, Angdong and the Yangdong Village, Gyeongju; both the latter are located towards the west of the Korean peninsula in the Gyeongbuk-do Province. This study has hopefully tried to analyse the residents’ perception of the effectiveness of the current incentives policy by using the Bennett’s programme evaluation method.

Results show that there was a divergent direction between the current incentives policy and the local aspirations between sites. In most cases, the cultural heritage conservation has been found to be a catalyst to fulfil a heritage tourism advantage rather than to cater to the local community needs.

The paper is the first insightful study of the historic villages which attempts to draw out the importance of the effectiveness of the incentives programme in guiding the conservation efforts for the local economic development.

This study aims to design appropriate micro-fintech models for Islamic microfinance institutions (IMFIs), especially Baitul Maal wat Tamwil (BMT) in Indonesia, thus enabling BMT to combine Islamic social and commercial microfinance optimally.

This study uses the analytic network process and Delphi methods, with three groups of experts as the respondents, namely, academician-regulators, BMT practitioners and Fintech practitioners.

The first results show that the micro-fintech tools needed by IMFI/BMT are digital banking, payment, peer-to-peer (P2P) financing, P2P social and e-commerce. These could be developed by a BMT alone or with an APEX or Association, which could also collaborate with an existing fintech company that specialises in micro-fintech, applying the offline to online approach. This means that commercial funding, as well as social fundraising of zakat and waqf, would be conducted online, whereas commercial financing for micro and small enterprise customers and the disbursement of zakat and waqf would be conducted offline. The second results show that the limited open ecosystem and hybrid ecosystem are the most appropriate micro-fintech ecosystems for IMFIs/BMT, with various alternative models. In addition, the private closed ecosystem preferred by BMT would be feasible if all criteria show improvement in the future.

This study is qualitative in nature. The methods used have limitations, meaning the models could be improved by incorporating other methods. Moreover, the case and respondents are all Indonesian, which means that the results may only be applicable to BMTs in Indonesia.

A BMT and/or BMT association could immediately apply micro-fintech with a limited open ecosystem, while in the future, they could apply micro-fintech with a private closed ecosystem.

The micro-fintech model could be used to optimise the collections of zakat, infaq and waqf, meaning BMT could provide more social programmes for those in need.

The growth of fintech in Islamic microfinance has occurred only recently, while only a limited number of studies have been conducted; therefore, no study exists on the development of a micro-fintech model appropriate for IMFIs, especially BMT.