Azira Abdul Adzis

Northern University of Malaysia | UUM · School of Economics, Finance & Banking (SEFB)

Objective: This study examines the influence of service quality, satisfaction, bank image, and trust on bank loyalty among youngsters in Malaysia, represented by university students. Theoretical Framework: This study integrates cognitive and behavioral approaches from the Learning Theory to model customer loyalty. Cognitive processes involve assess...

The present study is the first to our knowledge to use quantile regressions to explore the effects of sociodemographic and household factors on consumption expenditure on fruits and vegetables (FV) among households of different income groups. Data from the Malaysian Household Expenditure Surveys 2014 and 2016 were used for pooled cross-sectional an...

Objective: To examine sociodemographic, lifestyle and health insurance factors associated with consumption expenditure on sugary foods among households of different income groups in Malaysia. Design: A pooled cross-sectional analysis of data from the Malaysian Household Expenditure Survey was carried out. A seemingly unrelated regression was used t...

Key findings from our estimation models show that although the poorest households are vulnerable to income and food price shocks, our results also reveal an anomaly: given an increase in income and in food price, the poorest households seem to indulge in non-essential food expenditure, which is counterintuitive. Being the poorest typically conjures...

Background: The objective of the present study is to investigate the influences of sociodemographic and household factors on consumption expenditure on processed meat among households in Malaysia. Methods: Data were extracted from the Malaysian Household Expenditure Survey (HES) 2016. Lognormal hurdle models were utilized to assess the likelihood o...

This paper examines the determinants of Malaysian listed firms' environmental , social and governance (ESG) performance during the period 2005-2018. We focus on individual firms' continuous efforts to improve their ESG scores once they are ESG rated. Panel fixed effect results reveal that the number of years since a firm was first included in Bloom...

Purpose This study aims to examine the factors associated with household expenditure share on tobacco at different ranges of the expenditure share among Malaysian households. Design/methodology/approach The analyses were based on pooled cross-sectional data of the Malaysian Household Expenditure Survey. A quantile regression was used to estimate t...

In today’s rapidly urbanising society, high-fat dietary behaviour is one of the main causes of obesity and various chronic diseases. The objective of the present study is to investigate factors associated with the consumption of oil and fat products among the Malaysian population. This research examined the oil and fat products expenditure patterns...

Purpose The objective of this study is to examine the sociodemographic factors that are associated with health care expenditure among households in Malaysia. Design/methodology/approach This study examines health care participation decision and amount of expenditure using the exponential Type 2 Tobit model. A dataset of a large sample ( n = 14,838...

The present study attempts to examine factors affecting household expenditure on sugar-added foods and beverages (SAFB) in Malaysia. The spike in sugar-related diseases and the lack of comprehensive study related to factors associated with consumption of added sugar in Malaysia are the motivations for the present study. Acquiring a better understan...

Purpose This paper aims to construct a model procedure to mitigate housing glut by using both qualitative and quantitative approach. The model applied in the Malaysian context analyzes the following: information contained in media articles and reports issued by Bank Negara Malaysia (BNM) on the housing market to extract the true picture of the hous...

Purpose This study investigates factors contributing to residential mortgage loans default by utilizing a unique dataset of borrowers' default data from one of the pioneer lending institutions in Malaysia that provides home financing to the public. Studies on mortgage loan default have been extensively examined, but limited studies utilize the indi...

This paper examines the impact of environmental, social and governance (ESG) certification on Malaysian firms. The analysis shows that ESG certification lowers a firm's cost of capital, while Tobin's Q increases significantly. These findings, while consistent with existing studies in developed economies, demonstrate the value enhancement from corpo...

The present study examines age and education determinants of consumption of medical care using Malaysian data. The present study offers a better understanding of the effects of age and education on medical care and assists policy makers in developing more effective intervention measures to improve population health. A nationally representative data...

Diabetes has become a serious public health concern. The objective of the present study is to examine the sociodemographic and lifestyle factors associated with consumption of sugar-sweetened food among different age groups of households in Malaysia. A nationally representative data (n = 14838) is used for secondary analysis. Multiple regressions a...

This study investigates the relationship between corruption and non-performing loans in Pakistan using a sample of 18 commercial banks for period 2000-2017 where panel regression models of OLS estimator, fixed effect and random effect are employed. The results show a significant negative relationship between control of corruption and credit risk as...

Aims: Alcohol consumption has become a serious public health concern. The objective of the present study is to investigate sociodemographic factors associated with alcohol consumption across regions of Malaysia. Methods: Data are obtained from the Malaysian Household Expenditure Survey 2014, which contains 10,665 observations. Double-hurdle model i...

High intake of added sugar is related to various diseases. One of the main objectives of public health administrators is to reduce the consumption of sugar-sweetened foods and beverages. The present study attempts to examine sociodemographic factors associated with consumption of sugar-sweetened foods and beverages in Malaysia. The Malaysian Househ...

This study explores factors affecting debt level among young adults in Malaysia. Previous studies have linked material values, money management skills, and economic factors to credit card debt and student debt, but this study extends the previous research by investigating various forms of consumers' debt in an emerging market where vulnerable youth...

This study investigated the evidence of pro-cyclical behaviour of loan loss provision in four East Asian countries, namely Malaysia, Thailand, Singapore, and Hong Kong for the period 1995-2009. Pro-cyclical is defined as building up more loan loss provision during the bad times and reducing them in good times. This study hypothesized that pro-cycli...

This paper examines the link between financial bank performance and Chief Executive Officer (CEO) characteristics by the use of an unbalanced panel of 27 banks from 2005 to 2014 in Iraq. This study is estimated by using the panel fixed effects approach. CEO characteristics variables are represented by CEO tenure, CEO education and CEO ownership. Re...

This article presents evidence on the association between board characteristics and operating performance in banks using unbalanced panel data of 20 banks in Iraq over a ten -year period from 2005–2014. This relationship is estimated by using pooled OLS approach. The empirical results provide evidence supporting a positive board composition, boa...

This paper presents the key role of corporate governance on the performance of banks in Iraq. This study aims to examine the relationship between ownership structure and bank performance by considering panel data of 18 banks for period 2005-2014 in Iraq. This relationship is estimated by using the pooled OLS and regression technique. The findings r...

This study investigates the relationship between ownership structure and firm specific characteristics with capital structure of Malaysian middle-capital pubic listed firms. Although there are many studies conducted on capital structure, very few examine the connection between ownership concentration and ownership dispersion with capital structure...

Purpose The purpose of this study is to investigate the impact of International Accounting Standard 39 (IAS 39) on income-smoothing activities and pro-cyclical behavior through loan loss provisions using a sample of Hong Kong banks. Design/methodology/approach Fixed effects estimator is used, and the analysis covers the period from 2000 to 2009....

This paper presents the key role of corporate governance on the performance of banks in Iraq. This study aims to examine the relationship between board characteristics and bank performance by considering panel data of 24 banks for period 2005-2014 in Iraq. This relationship is estimated by using the panel OLS and regression technique. The findings...

Existing literature argues that loan loss provisions are subject to managerial discretion and commonly associated with the issues of income smoothing, capital management, signaling and pro-cyclicality. The main objective of this study is to examine the evidence of income smoothing, capital management, signaling, and pro-cyclical behavior through lo...

This study investigates the impact of IFRS on income smoothing activities through loan loss provisions for Australia and New Zealand banks over the period 1995-2009. Prior to IFRS implementation, bank loans provisioning is subject to managerial manipulation, possibly due to the weakness in GAAP that provides room for managers to manage earnings. We...

The global financial crisis has highlighted the importance of accurate reporting of banks' credit quality. The Reserve Bank of New Zealand has been requiring quarterly disclosure of financial information by banks since the mid-1990s, generating a good historical database of bank performance. This paper uses this data to examine the different approa...