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Factors influencing takaful adoption at SMEs' manufacturing industry in Malaysia
Get PDFSmall and medium-sized enterprises (SMEs) are minimally aware of the importance of insurance policies to protect business continuity. Despite the growing interest in Takaful, there are limited empirical studies on the adoption of Takaful in the manufacturing industry of SMEs. This study examines the relationship between awareness, perception, company size and degree of centralization on the adoption of Takaful in the manufacturing industry of SMEs in Malaysia. A quantitative approach was used for the study. A total of 179 usable questionnaires from SME owners and managers across Malaysia were analyzed using binary logistic regression and cross tabulation via Statistical Package for the Social Sciences (SPSS) version 23. The results show that awareness has a significant impact on the adoption of Takaful in the manufacturing industry of SMEs in Malaysia. Consumers who are aware of Takaful are more likely to purchase insurance plans or schemes than less informed customers. The perception and degree of centralization also influence the adoption of Takaful in the manufacturing industry of SMEs in Malaysia. Centralized decisions (at the top management level) facilitate the adoption of takaful compared to decentralized decisions (at multiple management levels) that involve different stakeholders. Decentralized decisions may not lead to favorable outcomes. Organizational policymakers should use effective information communication strategies to create a positive perception and increase the acceptance of Takaful. In terms of theoretical contribution, this study applies Theory of Reasoned Action and Organizational Buying as underlying theories and found significant relationships between awareness, perception, degree of centralization and adoption of Takaful in the manufacturing industry of SMEs in Malaysi
A study on consumer protection against unfair terms in the personal loan contract of Iraqi banks
Get PDFThe protection of consumers should be the priority of banks in the rendering of their services. The personal loan contract is unfair to the consumer as it entails a standard contract the bank provides. This problem is on the rise consistent with the growing demand for fast loans. To address this issue in Iraq, the government has enacted the Consumer Protection Law 2010 to complement the Iraqi Civil Code 1951. The legal framework is questionable as to whether it protects unfair terms in the standard loan contract. Furthermore, the Central Bank of Iraq has issued guidelines to banks requiring them to be more transparent when dealing with consumers. Unfortunately, several issues have been identified that negatively affect these laws and regulations thus making them unable to protect the borrowers as well as to provide them with a suitable remedy. This research hence aims to examine the consumer protection measures taken against unfair terms in the United Kingdom’s laws and to analyze the Iraqi laws governing unfair terms of bank loan contracts. Further, it examines Iraq’s institutional role that supports and implements the consumer protection framework and compares the institutional and legal mechanisms of Iraq with that of the UK to learn from their experience. This study, employing a qualitative approach, uses the semi-structured interview method to generate data from banks, legal academics, lawyers, judges, and consumers. It also performs doctrinal legal research to support the findings. This study found that the UK adopts the good faith principle, enhanced transparency, fairness, and efficiency in contracting and is proposed as a foundation for the institutional and legal system. This research uncovered a severe deficiency in the Iraqi legislation framework which is limited to what is known as contract adhesion. This study recommends that Iraqi laws need to be amended according to the UK model to provide comprehensive consumer protection. The Iraqi authority should consider the Iraqi institutions’ role in coordinating with each other and offering solutions to these issues. The suggestions need to be taken seriously by the Iraqi authority to protect consumers from unfair terms in personal loan contracts
Pengaruh persekitaran pembelajaran terhadap pengajaran pendidikan moral dan nilai murni dalam kalangan murid Sekolah Jenis Kebangsaan Cina (SMKC)
No full textPengajaran Pendidikan Moral dan nilai murni dalam kalangan murid Sekolah Jenis Kebangsaan Cina (SJKC) masih kurang dikaji oleh penyelidik-penyelidik terdahulu. Justeru, kajian ini bertujuan mengkaji pengaruh persekitaran pembelajaran yang menyumbang kesan kepada pengajaran pendidikan moral dan nilai murni. Kajian ini bertujuan mengkaji pengaruh persekitaran terhadap pengajaran Pendidikan Moral dan nilai murni dalam kalangan murid di SJKC. Di samping itu, kajian ini juga mengenal pasti hubungan di antara kedua-duanya. Pendekatan kuantitatif digunakan dalam kajian dan soal selidik sebagai instrumen kajian. Seramai 181 orang murid moral dari SJKC di Seberang Perai Tengah, Pulau Pinang terlibat dalam kajian. Teknik persampelan yang digunakan ialah persampelan berstrata tidak seimbang. Data kajian dianalisis dengan analisis statistik jenis Ujian T Sampel Bebas, Ujian ANOVA Sehala, Ujian Korelasi Pearson dan Ujian Regrasi Berganda. Analisis data kajian menggunakan perisian SPSS kerana data kajian bersifat kuantitatif. Dapatan kajian menunjukkan terdapat hubungan yang signifikan di antara pengajaran dan pembelajaran pendidikan moral serta kefahaman dan penerimaan nilai murni dalam kalangan murid. Ujian Regresi Berganda menunjukkan terdapat pengaruh yang signifikan persekitaran pembelajaran dalam kelas terhadap hubungan di antara pengajaran dan pembelajaran pendidikan moral serta kefahaman dan penerimaan nilai murni dalam kalangan murid. Implikasi dapatan kajian membolehkan perlaksanaan pendidikan moral yang lebih efektif dengan mengambil factor persekitaran dalam kelas. Implikasi kajian dari aspek teoritikal selari dengan Teori Ekologi Bronfenbrenner yang menyatakan bahawa faktor persekitaran pembelajaran dalam kelas yang kondusif memberi kesan positif terhadap pengajaran guru dan meningkatkan kefahaman serta penerimaan nilai murni dalam kalangan murid di SJKC
Management and financial literacy: a study among mosque administrator in Kubang Pasu District
Get PDFThis study’s purpose is to investigate the level of financial literacy among mosque administrators in Kubang Pasu District, aiming to assess their knowledge and skills related to effective financial management in religious institutions. Financial literacy is crucial for the transparent and accountable administration of mosque finances, impacting budgeting, donation management, investment decisions, and overall financial sustainability. The study employs a qualitative methods approach, consisting of interviews from the participants. Three participants interviewed were from three different mosques, Sharifah Fatimah Mosque, al Fateh Mosque, and Abidin Mosque. Content analysis was used to understand and interpret the stories participant shared about mosque financial literacy and management. The findings shed light on the current state of financial literacy among mosque administrators in Kubang Pasu, the strategies they employ to address financial challenges, and the obstacles they face in managing mosque finances. The study concludes that enhancing financial literacy and management practices can lead to more effective resource allocation, greater transparency, and sustainable financial practices within the mosque communit
The role of support system on start-up success in Hargeisa, Somaliland
Get PDFStart-ups are pivotal to fostering economic development, generating employment, nurturing eco-innovation, and pioneering new markets. Their contributions are especially vital in emerging economies, such as those in the African continent. However, start-ups face significant challenges in their quest for sustainability and survival, with failure rates alarmingly high, ranging from 50% to 95%. Using Hargeisa Somaliland, a developing region where start-ups grapple with many obstacles, this study endeavours to shed light on the efficacy of their support systems. Therefore, it is crucial to recognise the need to assess the critical support services that enable Start-up success. This thesis attempts to determine which startup- related essential support services, such as technology, market, finance, and soft support, contribute the most to its success. Primary data were collected from 123 respondents to the distributed questionnaire for 200 newly registered start-ups in the last five years engaged in Electronics, Boutiques/clothes shop/tailoring, Transport, Supermarket and Retail shops through structured questionnaires using stratified random sampling techniques. This study aims to underscore the significance of technology, finance, and soft support in the success of start-ups, while market-related support did not have a significant impact. The study's result shows a significant negative relationship between the variables understudies in this research. These insights not only build upon existing literature by elucidating the role of these supports in propelling start-up success. However, it also shows how each type of support does not contribute to the Start-up's success in the specific context of Somalilan
The impact of external risk factors on the mental health of rural farmers in North-Central, Nigeria
Get PDFMental health is a growing occupational and public health issue among Nigerian farmers, particularly in north-central Nigeria, where external risk factors like herderfarmer conflict and climate change significantly impact the mental well-being of rural farmers. Despite their key role in the agricultural economy, these farmers are often disregarded in mental health research, which has mostly concentrated on formal job sectors. This neglect can lead to reduced agricultural productivity and negatively affecting the national economy. Consequently, this study aims to document how these factors impact the overall mental well-being of rural farmers in north-central Nigeria. The proposed theoretical framework is based on self-determination theory, focusing on autonomy, competence, and relatedness. To objectively examine this idea, 351 rural farmers completed a structured survey and Statistical Package for the Social Sciences (SPSS) was utilized to conduct the analysis. Furthermore, the findings shows that climate change and herder-farmer conflicts have a significant negative impact on mental health, while pesticide exposure has no significant effect. The study suggests integrating mental health care into agricultural extension services to improve outcomes for the agricultural industr
Examining the effects of working environment, leadership style and job satisfaction on employee performance : organizational commitment as a mediator
Get PDFNorth Penang, Malaysia, is renowned as a premier hub for medical device manufacturing in Asia, where employee performance plays a pivotal role in maintaining competitiveness and achieving long-term success in the industry. Employee performance is shaped by several factors, including the working environment, leadership style, job satisfaction, and organizational commitment. This study aims to explore the impact of the working environment, leadership style, and job satisfaction on employee performance, with organizational commitment serving as a mediating factor. The study adopts a quantitative approach, surveying 458 respondents selected through convenience sampling. Data were collected using a survey method via Google Forms and analyzed with the Statistical Package for Social Sciences (SPSS) version 28. The results demonstrate that the working environment, leadership style, and job satisfaction significantly enhance employee performance. Furthermore, it was found that organizational commitment mediates the relationship between these independent variables and employee performance. The findings offer valuable insights for management in formulating strategies to boost employee performance and create a positive working environment conducive to high employee productivity. Effective leadership is essential for fostering employee growth and performance. Additionally, the study suggests that strong organizational commitment greatly enhances employee performance. Given the rapid growth of the medical device manufacturing industry, this research provides crucial insights for employees, management, scholars, and practitioners on the importance of the working environment, job satisfaction, leadership, and organizational commitment in driving employee performanc
The role of work environment, monetary reward and career opportunity on intention to stay among Gen Z employees
No full textOne of major problem faced by the medium enterprise is lacking of workforce. This is because many prefer for larger organizations or multinational companies (MNCs) especially the young and talented employees where these organizations can offer more than what medium enterprise are capable of. Since the development of medium enterprise is crucial to Malaysia as it plays a significant role to not only the GDP of Malaysia but also the employment opportunity, finding the best retaining strategy is critical. Thus, this study is conducted with the intention to investitgate factors that might influence intention to stay among Generation Z employees. The study examines the direct relationship between work environment, monetary reward, career opportunity and intention to stay. In this study, the unit of analysis is the individual Generation Z employees, and a quantitative approach is employed by collecting data using a proportional stratified random sampling technique through an online survey. A cross-sectional design was used that involved 123 Generation Z employees who worked in one of the three selected medium enterprise in Penang. In this study, hypotheses for direct effect were tested using multiple regression analyses. All three hypotheses were supported where work environment, monetary reward, and career opportunity were found significantly positively related to intention to stay. The findings indicate that by having a better work environment, offering attractive monetary reward, and providing with more career opportunity seems to motivate Generation Z to remain with the organizatio
A study of the relationship between leadership styles, job satisfaction, and intention to turnover in manufacturing industry
Get PDFIn Malaysia, addressing employee turnover intentions is crucial for fostering a positive work environment within organizations. Typically, employees leave an organization when they experience job dissatisfaction related to factors such as job assignments, salary, rewards, and other conditions. The scarcity of research in the Malaysian context, combined with a limited understanding of turnover intentions, job satisfaction, and leadership styles, affects the Malaysian manufacturing industry and can hinder organizational success. Therefore, the objective of this study is to examine the relationship between leadership style, job satisfaction, and turnover intention within Malaysia's manufacturing sector. The study's population consists of 120 workers from the manufacturing industry in Malaysia, with data collected electronically via Google Forms, distributed through social media and email. The data analysis was conducted using SPSS version 29, employing various methodologies such as descriptive analysis, and Pearson correlation. The findings of this study reveal a significant negative relationship between employee turnover intention and factors such as job satisfaction, transformational leadership style, and transactional leadership styl
The effects of awareness, knowledge and financial support on the success of young entrepreneurs in SME Tube Programs
Get PDFThe thesis examines how awareness, knowledge, and financial support impact the success of young entrepreneurs in SME Tube Programs in Perak. The study aims to assess the influence of these factors on the effectiveness of SME Tube programs for young entrepreneurs. One hundred twenty-eight (128) respondents participated in the study, and data was collected through a questionnaire survey using random sampling methods. The results indicate that awareness and financial support significantly impact the success of young entrepreneurs in SME Tube Programs in Perak, with awareness being the most crucial predictor. This research seeks to provide insights into how improving awareness and financial support can enhance the success of young SME Tube entrepreneurs’ programs, and it offers valuable recommendations for policymakers and program designers committed to supporting young entrepreneur