Open Journal System Universiti Malaysia Kelantan
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Determinant Factors Influencing the Microfinance Repayment Performance among Borrowers of Amanah Ikhtiar Malaysia (AIM) in Jerantut, Pahang
No full textMicrofinance is one of the initiative sources of financial service for poor entrepreneurs that only have small businesses and lack access to banking and other services. Microfinance always focuses on poor people with no steady employment who cannot meet most of the qualifications to get financial services from normal banking. Thus, the abilities of borrowers to pay back their microfinance are one of the arguments that need concentration. The finding revealed that there were only two independent variables which were business experience and loan tenure which had a significant positive relationship with the dependent variable namely microfinance repayment performance among borrowers of Amanah Ikhtiar Malaysia (AIM) in Jerantut, Pahang. The knowledge of borrower was not significantly related to the microfinance repayment performance. The result provided the understanding and insight on AIM’s institution, financial institutions, and academic significance about how loan giving out and avoiding microfinance repayment defaults
Determinants of Sterilization using a Trilemma Policy: A study in Qatar, Kuwait, Indonesia and Japan
No full textTrilemma policy refers to a concept of international economics that states it is impossible to gain all three variables at one time, which is also known as Mundell-Fleming framework. The trilemma policies consist of independent monetary policy, exchange rate stability, and free capital mobility. Pursuing any two of the variables will shadow the other one. Sterilization, on the other hand, reflects the policy set by Central Bank to limit the effects of inflow and outflow of capital money supply. Trilemma policy may influence sterilization, proxy by Central Bank Reserve, as the latter depends on the former. This study determined the relationship between trilemma policy and sterilization by placing focus on four nations, namely Qatar, Kuwait, Indonesia and Japan. Monthly data were gathered from 2009 to 2017. At the end of this research, the findings verified if it is “possible or not possible to maintain all the three variables in the trilemma policy to achieve a stable economic condition by way of sterilization.
Factors Influencing Cloud Computing Adoption in the Public Sector: An Empirical Analysis
No full textCloud computing is one of the latest Information Technology innovation phenomena that has risen from the idea of sharing, consolidating, and standardizing of resources in a centralized infrastructure and facility. This concept offers many advantages such as cost reduction in both hardware and software investment for organizations. Despite these advantages, cloud computing adoption among organizations is relatively slow with a low adoption rate. As such, this study attempts to bridge the gap by offering insight into possible factors that could influence such adoption decisions. By integrating the Diffusion of Innovation Theory (DOI) and IT personnel characteristics, a conceptual model is developed and tested as a preliminary study to determine the influencing factors of cloud computing adoption by the Malaysian public sector to enhance its service delivery. The results revealed that relative advantage, compatibility, and IT personnel knowledge are the innovation attributes and the human factor for cloud computing adoption in the Malaysian public sector. This study contributes to the knowledge domain of cloud computing adoption literature on theories of IT adoption particularly in the public sector
Effect of Performance-Based Pay on Employees\u27 Outcomes
No full textBased on past research that discussed the system of pay within an organization, participation and performance appraisal are two important elements in a performance-based pay. The ability of managers to implement these two important elements may influence job satisfaction and organizational commitment among employees. Hence, this study was carried out to test the connection between performance-based pay against job satisfaction and organizational commitment. Employees at the Department of Fire and Rescue in Selangor and Putrajaya were chosen as the sample in this study. The outcome of the SmartPLS model analysis demonstrates that participation and performance appraisal play an important role as a determinant of an employee\u27s job satisfaction and organizational commitment. Discussion, implication, and conclusion have been provided in this study
Applied Integration Model in Education Plan for Learning Recovery
No full textIslamic insurance, which is known as takaful, has been commonly used by people especially in most Muslim countries ever since it was introduced. The system has raised many new inventions to increase the effectiveness and to satisfy the people?s needs. However, the existing models of takaful do not provide plans for learning disabled children, even though their number is increasing year by year. The learning disabled children can achieve a better condition with consistent guidance hence something must be done to help them. This study discusses the takaful the education plan for learning disabled children, which will contribute a lot to their recovery from learning disability. By applying an integrated model of the takaful education plan, a new recovery model of the takaful education plan is proposed, which consists of a plan that may assist the education of the learning disabled children
Linking Customer Relationship Management to Behavioral Intentions in Islamic Banking System: Evidence from Nigeria
No full textIn today?s highly competitive market environment, customer relationship management has become a key strategy for personalizing customer experience, improving customer satisfaction, as well as building and maintaining loyalty. The present study investigates the relationship between customer relationship management dimensions and behavioral intentions. Key customer focus, customer relationship management organization, knowledge management, and technology-based customer relationship management are conceptualized as dimensions of customer relationship management. Results, based on a convenience sample of 363 customers of a full-fledged Islamic bank in Nigeria, support the hypothesized model. Specifically, the results show that key customer focus, customer relationship management organization, knowledge management, and technology-based customer relationship management are related to behavioral intentions. Practical implications of these findings and suggestions for future research are discussed
Social Entrepreneurial Intentions of University Students in Pampanga, Philippines
No full textThe study aims to investigate the social entrepreneurial intentions of university students in Pampanga, Philippines. Particularly, it scrutinizes the significant differences in the respondents? social entrepreneurial intentions when grouped based on five (5) demographic factors namely: nationality, age, year level, sex, and exposure to student leadership. The participants of the study were randomly selected from three (3) private higher education institutions, one (1) state university, and one (1) local college in Pampanga, Philippines. All these five (5) higher education institutions offer business and entrepreneurship curricular programs. A descriptive research design was used in the study and Mann- Whitney U and Kruskal-Wallis H tests were employed to examine the research hypotheses. The results revealed that the students? nationality and age showed no statistical significant difference with their social entrepreneurial intentions. On the other hand, sex, year level, and exposure to student leadership reflected significant differences with social entrepreneurial intentions. The findings suggest that nationality and age are insignificant factors affecting the respondents? social entrepreneurial intentions while sex, year level, and exposure to student leadership are significant variables. Implications of the study and the directions for future research were also identified
A study on the relationship between motivation factors and career choice among undergraduate students in Malaysian Private Universities
No full textCareer choice is one of the most critical decisions for undergraduate students as their choices determine their future role in the society. This study examined motivation factors such as extrinsic, intrinsic, and interpersonal factors towards career choices of undergraduate students in Malaysian private universities. This study focused on undergraduate students because most of them will enter the workforce after graduation. A set of questionnaires was distributed to 206 undergraduate students. The collected data were analysed using Statistical Package Software for Social Sciences (SPSS, version 22.0). The findings indicated significant relationships among extrinsic and interpersonal factors that contributed to the respondents? career choice. However, intrinsic motivation had no significant relationship with career choice. It was suggested that the management at the university should integrate programs for quality assurance to ensure graduates employability
Assessing the mediating effect of organizational climate in the context of Malaysian banking industry
No full textThis study aims to examine the mediating effect of organisational climate on the relationship between emotional intelligence and leader-member exchange on organisational citizenship behavior in the context of Malaysian banking industry. To achieve the research objectives, the survey and a systematic analysis method has employed. The relationship variables were examined using IBM Statistical Package for Social Sciences (SPSS) software Version 24 while the mediation analysis was examined using SMART PLS-3. Findings of this study reveal that emotional intelligence and leader-member exchange have a positive relationship on organisational citizenship behavior, while the hypotheses were positively supported, directly and indirectly (the impression of partial mediation) with all the twelve (12) hypotheses revealing a positive and high test for all constructs with significant levels. Based on the outcomes of this study, the direction of implications and limitations are discussed along with suggestions for future research
Determinants Of The Intention To Purchase Flood Cover: An Empirical Evidence From A Flood-Prone Area In Malaysia
No full textIn places where flood is a regular occurrence, it is apparent and widely known on the devastating effect of flood on property and human lives. However, statistics by Persatuan Insurans Am Malaysia (PIAM) revealed that nearly 70% of homeowners in Malaysia do not have flood insurance. Thus, this paper aims to identify the relationship between perceived flood risks, flood damage experience and charity hazard on the purchase intention towards flood cover. 100 questionnaire manage to be collected from respondents living in a flood-prone area. The paper adopts a quantitative method of research design, which utilizes descriptive analysis, correlation analysis and regression analysis to analyses the raw data. The empirical results revealed that perceived flood risk, flood damage experience and charity hazard have a significant relationship with the purchase intention towards flood cover. The implication of this paper provides evidence of the importance of flood cover in the event of flood