Vol 2, Issue 1, December 2018
http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11852
2024-03-28T20:13:23ZThe Effect of Bank-Specific Variables on NSFR of Malaysian Banks
http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11898
The Effect of Bank-Specific Variables on NSFR of Malaysian Banks
Idris Mukhtar; Nur Ainna Ramli; Azrul Azlan Iskandar Mirza
The recent 2008 world financial crisis show how the liquidity problem in a particular region can easily affects the whole world. Following the crisis, both supervisory and regulatory bodies recommended various measures that will makes the bank’s liquidity more vibrant. Liquidity crisis in a bank will undermines the performance, while non-performance of a bank will lead to failure. Studies were conducted on the factors affecting the liquidity risk in banks previously. The factors examine includes internal, external and ownerships; some studies indicated that before the 2008 crisis, liquidity risks in banks was not taken as one of the major priority by banks. At the outbreak of the crisis it was realized that liquidity is one of the major cause.; Thus, Basel committee on banking supervision (BCBS) come up with suggestions and structures that will makes the banks liquidity more powerful among which NSFR is included. it is noticed that, after the crisis, banks performance was improved, although some studies indicated that still the performance of some banks failed due to the lack of strong liquidity. This study uses secondary data from Fitch connect
databases to evaluate the internal variables and ownership factors that determines the bank’s Liquidity risk. The new liquidity rule (NSFR) act as dependent variable. The findings of the study through Panel corrected standard error (PCSE) model indicated that, all the banks in Malaysia over complied with newly introduced NSFR, the study further finds that, only capital and non-interest income are contributing factor to this over compliance. The implications of this is that maintaining an excessive liquid asset tend to lower the bank’s profitability, thus it is recommended that the Banks need to find other ways to invest their excess liquid assets in order to be more profitable.
2018-12-01T00:00:00ZKeberkesanan Skim Bantuan Jayadiri Terhadap Asnaf Di Lembaga Zakat Negeri Kedah (LZNK)
http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11897
Keberkesanan Skim Bantuan Jayadiri Terhadap Asnaf Di Lembaga Zakat Negeri Kedah (LZNK)
Nurul Shahariza binti Abu Hassan; Roslida Zalila Binti Ahmad Rusli; Rahayati binti Ahmad, Dr.
Lembaga Zakat Negeri Kedah (LZNK) telah memperkenalkan pelbagai bentuk bantuan kepada golongan asnaf miskin terutamanya bantuan perniagaan yang dinamakan Skim bantuan Jayadiri bertujuan memberikan bantuan modal kepada perniagaan kecil-kecilan mereka. Melalui bantuan ini
diharapkan golongan asnaf miskin berupaya menjalankan kegiatan perniagaan untuk menyara kehidupan mereka dan sekaligus mampu menjana sumber pendapatan yang stabil serta mampu mengubah taraf asnaf kepada pembayar zakat. Justeru, artikel konseptual ini akan mengkaji peranan dan keberkesanan skim Jayadiri dari sudut ekonomi. Kajian ini memilih Negeri Kedah Darul Aman untuk menganalisis keberkesanan program Jayadiri, yang merupakan salah satu program yang dimulakan oleh Lembaga Zakat Negeri Kedah (LZNK). Dua kaedah akan digunakan untuk tujuan analisis dan mengukur objektif soalan kajian iaitu ANCOVA dan kadar nisab. Di samping itu, faktorfaktor lain juga dikaji yang boleh memberi kesan kepada perubahan pendapatan penerima zakat seperti keadaan kesihatan, taraf pendidikan, umur, lokasi, sikap dan pemantauan. Akhir sekali kajian juga akan menjurus kepada kemampanan program Jayadiri melalui dua keadaan yang berbeza; peralatan dan keadaan hidup penerima zakat.
2018-12-01T00:00:00ZA Conceptual Framework for the Intention to Comply with Islamic Financial Planning
http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11896
A Conceptual Framework for the Intention to Comply with Islamic Financial Planning
Yusuf bin Haji Othman, Dr.; Wan Nazjmi bin Mohamed Fisol, Dr.; Mohd Sholeh bin Sheh Yusuff, Dr.
A good financial plan would enable an individual to deal with all kind of risks in life which would lead to a worryfree and financially more secured life. Muslims are obligated to adopt Islamic financial planning because it is part of the Shari’ah obligations. The objective of this study is to propose a conceptual
framework for the intention to comply with Islamic financial planning among staff of Universiti Islam Antarabangsa SultanAbdul Halim Muadzam Shah (UniSHAMS). This study will employ the Theory of Planned Behavior and propose the integration of attitude, knowledge and self-efficacy to test their
influence as independent variables on the intention to comply with Islamic financial planning as one of the Shari’ah requirements. It is hoped that useful outcome of enormous significance to the practitioners and other relevant stakeholders.
2018-12-01T00:00:00ZEvolving a Model in Islamic Economy : Industrial Development
http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/11895
Evolving a Model in Islamic Economy : Industrial Development
Mohamed Mohamed Tolba Said; Krishnan Umachandran, Dr.
Economic growth in the Islamic economy depends on the demand and manufacturers competitive capability to compete. The factors such as vicissitude of changes in production volumes, labor productivity, employment, export and import volumes affect the competitiveness of the organization’s position in the Islamic economy. Capital and technological reserves are obligatory to balance the enormous productivity fissure between developing and developed countries symbolizing the world
economy. Need to exports is required as a nourishment to fill the productivity gap. The structure of economic openness depends on the level of free-trade, therefore advancement should entail an
identical momentum of long-term investment to the absorption of substantial segments of all business activities. Hence this paper drives a weave to connect various aspects of management resources. The enlargement of international commerce requires a critical flexibility in the setting of tariff rates by developing countries and a steady rise in the sum of customers that can participate in business with decreasing debt-line. To a developing country, the benefits when it opens its borders to foreign capital, improves FDIs and leads in generation of positiveemployment impacting both job creation for suppliers, retailers and tertiary employment effecting additional generation ofincomes aggregating on the demand. Islamic economization aidseconomic growth and therefore poverty reduction, hence the ecosystem should encompass complementary economic factors and policies
2018-12-01T00:00:00Z