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Requirements and Selection Decision of Customer in Islamic and Conventional Banking Environment
No full textCompetition is the main challenge faced by commercial banks globally. They are not only competing just among themselves but also with other institutions within the financial industry. In Malaysia, the competition is becoming fiercer with the existence of banks which operate based on Islamic principles. To attract more customers both the bankers of conventional and Islamic banks should acquire information about factors which influence people in patronising their bank. This study investigates how Malaysian bank users select conventional banks, what services they want, and also how they perceive Islamic banking. Results show that there are many similarities between Muslims and non-Muslims in their selection of banks and utilization of services. A slight different however, exists in their knowledge of Islamic banks.
 
Real Versus Nominal Adjustment Mechanism of the Malaysian Money Demand Function : Further Evidence
No full textThis article investigates the issue of real versus nominal adjustment specifications in the Malaysian money demand function. Performance of both specifications was subjected to several tests, namely ; model specification ex-post forecasting ability and stability tests. Our results shows that under both specifications, the Malaysian money demand function for M1, M2 and M3 are not stable for the period 1962 – 1991. Our question is, does financial innovation during the period of 1979 – 1991 affected the stability of the Malaysian money demand function? A test on Gurley-Shaw hypothesis was done to answer the above question. However, our results suggest that financial innovation does not play a major role in affecting the Malaysian money demand function during the period under study. Nevertheless, the interest rate elasticities (for both short-run and long-run) has been declining over the period of 1979 – 1991, indicating the effectiveness of monetary policy as a policy tool.
 
Human Resource Development : The Key Towards a Developed and Industrialised Society
No full textThe important relationship between the quality of human resource and the well-being of a nation has been repeatedly proven through examples from the past and present. Civilizations such as Greek and Islam and modern nations such as Japan, Korea and Switzerland flourish because of their human resources. Abundant natural resources necessarily do not guarantee the success of a nation, but abundant skilled human resources can creatively utilize limited natural resources. Thus, this paper seeks to explain the relationship between Human Resource Development (HRD) and becoming a developed industrialized society. The paper defines the concept HRD, explains factors that will influence HRD and outlines some approaches to HRD. In the final section, it looks specifically at HRD and industrialization process.
 
Enterprise: Creation, Development and Growth
No full textThe subject of this book is divided into twelve chapters with the first chapter starting with an overview of the enterprise concept. This chapter also highlights how individuals show enterprise in many situations. The remaining chapters cover the spread of ideas such as the entrepreneurial economy, enterprise support system, building and managing an enterprise, management and the larger enterprise, public and voluntary enterprises, personal development, group work and networking. Finally, there is a chapter on individuality, enterprise and the future