Hanudin Amin

Universiti Malaysia Sabah (UMS) | ums · Labuan Faculty of International Finance

Purpose This study aims to examine the zakat al-mustaghallat acceptance index (ZAMAi) through the examination of its predictors identified in this work, including attitude, social influence, self-efficacy, amount of information and Islamic altruism, at best. Design/methodology/approach Drawing from the attitude-social influence-self efficacy model...

Although Islamic banking products like tawarruq and bay al-inah personal financing products available in the Malaysian Islamic banking market, their ability to meet the need of those disadvantaged in the case of health crisis like COVID-19 or financial crisis are somehow marginal. There is a need for Islamic social finance products to meet this cha...

Purpose The purpose of this paper is to build a relationship between the quantitative and structural indicators of maqashid sharia studies produced from bibliometric analysis and the conceptual discussion developed through a thorough review of selected key literature. Design/methodology/approach The study uses bibliometric analysis, collecting inf...

This research investigates the factors affecting the internet giving behaviour among young graduates in Malaysia. The Theory of Planned Behaviour (TPB) was employed as a baseline theory to examine the effects of altruism, attitude, subjective norm, and perceived behavioural control. The analysis was based on 230 respondents surveyed and the results...

Purpose ― This study aims to discover how Islam, as a religion, influences its believers to contribute in the form of gifts, donations or charity, generally referred to as tabarruʿ. Design/Methodology/Approach ― Structural equation modelling analysis was used to investigate the online questionnaire responses from 402 Muslims who have contributed to...

Purpose This paper aims to examine the factors that influence bank customers’ acceptance towards FinTech using the unified theory of acceptance and use of technology (UTAUT) model. Design/methodology/approach A survey was carried out, and a judgemental sampling method was used. Moreover, over 200 responses were gathered from individuals that were...

Purpose This study aims to introduce a research framework that identifies the potential sources of design self-efficacy that emerge from the digital class by covering the teaching for professional competence model (TPCM) to enhance students’ design self-efficacy. Design/methodology/approach The multistage and purposive sampling technique is used,...

This paper investigates the correlation between the hike in fuel prices and the sales volume by the largest Malaysian automobile manufacturing company (Proton). Being the pillar of Malaysian automotive industry, with the support by the government either financially and market wise, Proton seems to be formidable. Nevertheless, Proton has recently re...

Purpose This study aims to investigate the customer’s willingness to participate in family takaful using the theory of interpersonal behaviour (TIB) in Pakistan. Design/methodology/approach For this study, purposive sampling was used, and 310 useable questionnaires were received from the respondents who were postgraduate students, non-users of fam...

Purpose Gold investment is one of the essential long-term investments for many to diversify their investment portfolios. Muslims are continuously looking for halal products and services in any aspect of life and one of them is Shari’ah gold investments (SGI). However, evidence pertinent to Muslims’ behaviour towards Shari’ah gold is somewhat inconc...

This paper examines the factors that drive non-users of digital banking services rendered by Pakistani Islamic banks to adopt digital banking using the Diffusion theory of Innovation (DOI). We gather data from 208 Islamic bank customers who do not use digital banking services. Findings of the study reveal that adoption of digital services offered b...

This article aims to systematically review the empirical literature on the determinants of employees’ job satisfaction in public sector organizations worldwide. This article conducted a systematic review referring to the protocol proposed by Lee & Cummings (2008). Data sources used electronic databases, including Scopus Search, PubMed Search, and G...

Purpose This study was conducted to examine factors that could determine breadwinners' willingness to accept qardhul hassan financing in the time of coronavirus disease 2019 (COVID-19). Design/methodology/approach Drawing upon ‘Attitude, Social Influence and Self-Efficacy’ (ASE) model, this study examined the effects of attitude, subjective influe...

Purpose The purpose of this study was to investigate the factors that influence the millennials’ intention to choose tawarruq home financing in Sandakan, Sabah, Malaysia. Design/methodology/approach The primary data were gathered via the questionnaire survey administered among Islamic banking customers in Sandakan, Sabah. Data obtained were analys...

Purpose This study aims to investigate two primary objectives. First, this study examines the influence of modified service quality dimensions on Islamic bank customer satisfaction using a compliance, reliability, empathy, assurance, tangible, operational efficiency, responsiveness (CREATOR) model. Second, the study explores the relationship betwee...

Buku ini sesuai digunakan sebagai wadah perkongsian ilmu menerusi sesi kuliah, ceramah masjid dan sebaran dalam media sosial dalam usaha memperkasakan sumbangan kewangan Islam di samping mempertajamkan pengetahuan dan kemahiran yang berkisar dalam konteks kewangan Islam dalam kalangan individu. Buku ini mengandungi tujuh bab yang menjelaskan isu be...

Understanding the elements favoured by waqif (donor) in engaging in waqf-based qardhul hassan financing has been a major topic of Islamic social finance, should and if it is implemented to better assist ummah amid financial and health crises, primarily in Malaysia. Previous studies, on the other hand, represented a narrow theoretical viewpoint and...

This study is aimed at explaining the factors determining consumer acceptance of online Islamic fixed deposit accounts. Besides, the mediating role of attitude is also examined. Considering the Technology Acceptance Model (TAM), this study evaluates the impacts of perceived usefulness, perceived ease of use along with attitude on consumer acceptanc...

Purpose – Using Social Cognitive Career Theory (SCCT), this study tries to find out what factors influence accounting students' intention to be-come Sha¬ria Accountants. This research also investigates the university envoronment’s moderating effect (Islamic-Based University vs Public University).Methodology – The participants in this study were cho...

Despite their significant growth, Islamic banks only consider about avoiding riba, gharar, and maysir at the expense of maqasid al-Shariah. The banks are somewhat converged with their conventional peers. Consumers believed that the banks imitate their peers pertinent to the pricing calculations and product lines. Without effective measure, consumer...

Purpose In spite of the increasing number of Islamic banks offering Islamic investment products, there is, as yet, little academic research on this topic and the consumer acceptance of the products is not yet understood fully. To help in bridging this gap, this study aims to assess the determinants of choice behaviour of Islamic investment products...

Purpose This study aims to investigate mustahiq business success using a newly developed index called asnaf muslimpreneur success index (AMSi). Design/methodology/approach Following Abu Zaharah theory of al-Maqasid al-Shariah , the authors developed the AMSi through literature analyses and expert judges involving three Shariah scholars for improve...

Purpose This study aims to enlighten the effects of Islamic religiosity, Islamic altruism and Islamic debt collection policy (IDCP) on millennials’ acceptability of tawarruq -based ar-rahnu in Malaysia. Design/methodology/approach This study applies the factors drawn from the Islamic theory of consumer behaviour (ITCB) and uses data obtained from...

Purpose This study aims to examine the factors influencing online sadaqah acceptance among university graduates in Malaysia. Design/methodology/approach Drawing upon the theory of reasoned action (TRA), this study proposed a model to examine the effects of attitude, subjective norm, altruism and empathy on the online sadaqah acceptance, with the u...

The present study aims to develop a model illuminating the relationship between student personality traits and motivation towards learning Mandarin as a foreign language. A model framework consisting of five exogenous variables and one endogenous variable of motivation are examined in the present study. Sample of 260 undergraduates taking Mandarin...

Relatively, maqasid al-Shariah is a missing dimension element in the available tawarruq personal financing, resulting in a convergence of this facility and its traditional counterpart. This work examines the consumer preference of tawarruq personal financing using the maqasid-based consumer preference index (MCPi). Drawing upon the MCPi, the presen...

Purpose Using the theory of planned behaviour (TPB) as an analytical framework, this paper aims to investigate the direct effects of attitude, subjective norm, perceived behavioural control, price fairness and Islamic altruism. It also explores how these path linkages can be moderated by Islamic altruism. Design/methodology/approach Data are gathe...

Purpose Using the maqasid-based consumer preference index (MCPi), this study aims to investigate customer preference for Islamic home financing. Design/methodology/approach The current study, based on valid 1,034 usable questionnaires and the MCPi, evaluates consumer choice for the supplied Islamic home finance products by 16 Islamic banks in Mala...

This study explores the assumption of unlimited human wants in Islamic economics. From the theoretical approach, this research introduces new ideas of limitless human will. Islamic economists took the assumption of unlimited human wants (AUHW) and then altered and assimilated it with Islamic elements to be regarded as the assumption of Islamic econ...

Purpose This study aims to examine factors driving millennial loyalty towards artificial intelligence (AI)-enabled mobile banking services in Islamic banks. Design/methodology/approach This research collected the data from 204 millennial customers of Islamic banks in Aceh, Indonesia. Partial least square (PLS) was used to evaluate the effect of se...

This study seeks the answer to the proposed questions of past Halal tourism studies, namely how does loyalty form for Millennial Muslim tourists when they visit domestic or international destinations. The data for this study were collected from 432 Indonesian Muslim Millennials. Using partial least squares structural equation modelling, this resear...

This study purposes of investigating the roles of gold as a hedge or a safe haven against inflation in Canada. We utilize the standard and quantile techniques in the volatility models, with the time-varying conditional variance of the regression residuals based on the TGARCH descriptions. We found that gold only plays a minor role as a hedge and sa...

Purpose This study’s objectives are twofold; first, this paper aims to explore the determinants of perceived benefit and perceived risk of Islamic Fintech. Second, this study examines the influence of perceived benefit, perceived risk and user trust on the intention to adopt Islamic Fintech. Design/methodology/approach The sample of 350 was distri...

Though considered trivial, small and medium enterprises (SMEs) were one of the contributing factors for Malaysia economy growth. Besides providing employment, SMEs also provide an improved integration to ensure other businesses survive in the long run. Thus, the present study examined the contributing factors to explain SMEs' performance, be it hig...

Purpose This study aims to examine the effects of Islamic altruism, level of iman and maqasid consumer index on young intellectuals’ willingness to choose murabahah to the purchase orderer (MPO) vehicle financing. Besides, the role of the level of iman or faith as a mediator is examined. Design/methodology/approach Earlier studies have reported th...

Purpose The purpose of this study is to examine the determinants influencing low- and middle-income households in accepting the Islamic public-private housing co-operative model (IPHCM) as an alternative to contemporary affordable public housing models in Malaysia. Design/methodology/approach Using self-administrated questionnaires, data are colle...

Gold is credence as an essence of deluxe and wealth in the sight of humankind. History has witnessed that gold is one of the best high long-term investment returns. In Malaysia's context, gold investments are broken down into three (3) offerings. These include physical gold investments, gold investment accounts or gold savings accounts and blockcha...

At present, home finance exists because the most important in someone's life is to have shelter meanwhile the house is the place to dwell in comfort with their family. Someone can have their own home by buying a house whether using cash or monthly installment. As for Islamic finance institutions, they have introduced the Shariah-compliant to have t...

This study examines the effects of attitude, subjective norm, perceived behavioural control, and taqwa on compliance intention to pay zakat on salary in East Malaysia. A deductive approach is employed to examine young public servants' compliance intention to contribute to zakat payment on their salary. The model is tested using survey data from 202...

This study examines the effects of the key factors influencing the intention of first-time house buyers to choose Islamic home financing products. First-time house buyers are selected since they are the major segment of Islamic banks' profit for the Islamic mortgage sector. Drawing upon the theory of planned behaviour (TPB), this study proposes a m...

Purpose: This study examines the assumption of unlimited human wants in Islamic economics where tasawur is brought into play. Design/methodology/approach: Drawing from the analytical approach, the present study presents new concepts of unlimited human wants. The assumpion of unlimited human wants (AUHW) was taken by Islamic economists and therefore...

Understanding the willingness of university students pursuing their career as Islamic bankers has proven to be one of the most challenging research topics in the Islamic banking field. This study examines the factors affecting the career intentions as Islamic bankers among university students in Malaysia. Drawing upon Decomposed Theory of Planned B...

Purpose The purpose of this study is to examine the critical success factors (CSFs) for the receptiveness of Islamic home financing in Malaysia. Design/methodology/approach A framework of the CSFs for the receptiveness of Islamic home financing is developed. The framework evaluates the effects of product type, competitive value proposition, Islami...

Purpose This study aims to examine the impacts of Shariah -compliant products, value-added benefits, mortgage repayment policy and well-versed bankers on the consumer acceptance of Islamic home financing. These variables, thereafter, are called the “critical success factors” (the CSFs) for Islamic home financing. Design/methodology/approach Guided...

Drawing from the social exchange theory, the study extends the merits model of ICTR and examine the correlation of communication, transaction, and relational on relationship quality and e-loyalty towards the online travel agency (OTA). The data for the present study were collected from 190 tourists in Sabah, Malaysia. For our data purification and...

This study employs the Theory of Reasoned Action (TRA) as a baseline theory to understand young intellectuals' cash waqf acceptance in Negeri Sembilan within the Malaysian context. The model of this study is tested using survey data from 125 respondents. Results obtained indicate that attitude and knowledge positively influence the behaviour of you...

Purpose The purpose of this study is to examine the impacts of price fairness and Islamic altruism on the Islamic mortgage adoption along with theory of planned behaviour’s (TPB’s) constructs (i.e. attitude, subjective norm and perceived behavioural control). Attitude is also analysed as a mediator in this study. Design/methodology/approach Using...

Purpose This study aims to examine the factors that determine consumer behaviour of ijarah home financing using the Islamic theory of consumer behaviour (ITCB). In particular, the specific contract used is al-ijarah muntahia biltamleek . Subsequently, the term al-ijarah muntahia biltamleek home financing is used throughout the paper. Design/method...

Purpose The purpose of this paper is to determine the factors influencing customer adoption toward takaful products in Pakistan. Design/methodology/approach The study used five attributes of diffusion innovation theory (DOI), namely, relative advantage, compatibility, trialability, observability and complexity. Furthermore, the authors introduced...

The current study evaluates the effects of the subjective norm, pricing policy, institutional compliance on maqasid and blog influence on attitude towards Islamic home financing preference. Besides, the interaction between attitude and consumer preference of Islamic home financing is also examined. The sample includes 153 customers of Islamic banks...

This study proposes a workable model of the mortgage-based Islamic social finance (MBISF) and to test the model acceptance using a maqasid framework empirically. Three battery items are intended to measure each latent variable. As for independent variables, the latent variables are an educational programme, mortgage welfare, consumer justice and Is...

In the contemporary practice of Islamic banking, everyone is given an equal chance to understand, feel and appreciate it accordingly. In fact, everyone is an Islamic banking scientist if he intends to establish a cogent knowledge pertinent to the Islamic banking industry and shares it with everyone else in his social circle. The industry is opened...

The Internet has significantly improved the quality of consumers’ decision when making online bookings for homestays which is an emerging segment of hospitality in Malaysia. Drawing from DeLone and McLean’s Theory of Information System Success, this study examines the effects of information quality, system quality, and electronic service qualit...

Purpose Drawing from DeLone and McLean’s Theory of Information System Success, this study aims to develop a theoretical model of electronic word of mouth (eWOM) for the homestay lodging. Design/methodology/approach The study examines the relationship between information quality, system quality and electronic service quality towards user’s satisfac...

Recently, Islamic banking sector has undergone rapid changes in the development of new financial innovations for Shariah compliance and competitiveness purposes. Tawarruq home financing is one of the innovations added to the existing list of Islamic home financing products, which provides a source of competitive advantage to gain a greater customer...

Purpose The purpose of this study is to develop a conceptual model explicating Muslims intention towards charitable giving of cash waqf. Drawing from altruism theoretical paradigm, the present study investigates the role of perceived ihsan, Islamic egalitarian and Islamic religiosity on cash waqf contribution. Design/methodology/approach The sur...

Purpose The purpose of this study is to examine the contributing factors that affect consumer behaviour of Islamic home financing in Malaysia. The effects of perceived religiosity on property, perceived Islamic debt principle and perceived maqasid on homeownership on consumer behaviour are examined. Furthermore, the effects of perceived religiosit...

This study investigates the effects of some patronage factors on the decision to choose Islamic mortgage financing. Drawing upon a theory of reasoned action (TRA), this study proposes a model to examine the effects of attitude, subjective norm, service quality and perceived financial cost on the decision to choose Islamic mortgage financing. Result...

Purpose The purpose of this study is to investigate the effects of service quality, product choice and Islamic debt policy on consumer attitude within the context of Islamic mortgage sector in Malaysia. The present study also examines the effect of attitudinal-behaviour on consumer preference towards preference of Islamic mortgage selection. Desig...

Purpose The purpose of this paper is to understand consumers’ willingness to choose Islamic mortgage products as a way to help Islamic banks tap into the Islamic mortgage sector in Malaysia. Design/methodology/approach Using the Theory of Interpersonal Behaviour as a point of departure, this study proposes a framework that examines factors influen...

Islamic Banking: An Introduction to Islamic Accounting is written with the purpose of sensitizing readers to the need of accounting according to the al-Quran and Sunnah, Islamic accounting concepts, and accounting for Islamic financial transactions. The knowledge and skills gained from the course is able to add value to the students in order to pre...

Purpose The purpose of this study is to explore drivers influencing internet giving behaviour among bank customers in Malaysia. Design/methodology/approach Using the theory of interpersonal behaviour (TIB) and the innovation diffusion theory (IDT) as a baseline theory, this study proposes a conceptual model of internet giving behaviour in Malaysia...

The purpose of this study is to investigate drivers influencing internet giving behaviour among bank customers in Malaysia. Using the theory of interpersonal behaviour (TIB) as a baseline theory, this study proposes a theoretical model of internet giving behaviour in Malaysia. Data from 200 usable questionnaires are analysed using partial least squ...

Gold investment accounts are emerged as an attractive investment option for investors in Malaysia in diversifying their investment portfolio. The purpose of this study is to investigate factors that influence muslim male investors’ decision to open Islamic gold investment accounts. This study extends the applicability of the Theory of Reasoned Acti...

Using the emotion regulation theory as an analytical framework, this paper investigates the direct effects of emotional labour and emotional intelligence on two workplace behaviours, i.e. organisational citizenship behaviour and deviant workplace behaviour. It also explores how these path linkages could be moderated by emotional intelligence. Data...

Islamic banking system that is based on Shariah principles is considered more resilient to the financial shocks due to its interest free nature. This study is aimed to compare the financial performances and investigate whether Islamic banks are more profitable, liquid, less risky and operationally efficient compared to conventional banks during and...

The introduction of mobile phones has provided many benefits to business leaders, government agencies and to the public at large. Today, most of the universities in Malaysia are using mobile phones to help in communicating with their students. By using mobile phones, students are able to send and retrieve information in relation to their examinatio...

Purpose – The high unemployment rates among persons with disabilities (PWDs) is nothing new. Many people fail to recognize that the disabled population is a significant but largely untapped source of human resources. Prejudices and misconceptions about PWDs’ ability to perform and compete in the open market are likely to be the cause. While the top...

Purpose – This research aims to examine the viability of micro-health takaful in Malaysia. Current practices in the takaful industry in Malaysia reveal that takaful operators (TOs) are keen on offering products that are affordable for middle- to high-income people. However, the concept of takaful is based on mutual help, and, hence, it is believed...

Employers’ negative attitudes and unfounded concerns about hiring disabled workers are contributing factors to high unemployment rates among the disabled population. Employers view disabled workers are unproductive and consider as liabilities to their companies. The negative perceptions among employers explain why those persons with disabilities (P...

This study is aimed at explaining factors influencing the intention to be a partner amongst bank customers in musharakah mutanaqisah home financing. Drawing upon the theory of planned behavior (TPB), this study assesses the model in order to examine the effects of three explanatory factors namely attitude, subjective norm and perceived behavioral c...

Credit cards have been viewed as a competitive banking product that helps to improve a bank's financial position while at the same time improving financial transactions among customers of a bank. The present study explores the factors influencing the attitude of bank customers in the context of the Malaysian banking system. The study examines the e...

Purpose – The purpose of this study is to propose a theory of Islamic consumer behaviour to explain the factors that influence the Islamic mortgage industry. Although previous works have shown that conventional marketing theories were, to a certain extent, able to predict factors influencing halal marketing and Islamic mortgage, these theories fail...

Purpose - Purpose - This study examines the factors influencing the consumer acceptance on Islamic home financing products amongst clients of Islamic banks. For the purpose, the study extends the theory of planned behaviour (the TPB) in explaining the Islamic home financing adoption along. Further, the study also intends to analyze the effects of "...

The purpose of this study is to investigate the determinants that influence Internet banking acceptance among the Islamic bank's customers. Technology acceptance model (TAM) is utilised as a point of departure. In this study, perceived credibility, amount of information on Internet banking, perceived enjoyment, and social norm are added to the mode...

ABSTRACT This study explores the factors influencing the acceptance of online waqf, generally termed as Islamic e-donations in Malaysia. The technology acceptance model (TAM) was used as a baseline theory. Questionnaire survey was conducted. The data of the survey were analyzed using Partial Least Square (PLS) approach. Results indicate that pe...

Purpose – The purpose of this paper is to investigate the effects of subjective norm, relative advantage, simplicity, compatibility and perceived behavioural control on the Islamic home financing adoption. It also examines the effects of subjective norm, relative advantage, simplicity and compatibility on attitude. Analyses of attitude as a mediati...

This paper attempts to provide an understanding with respect to Islamic deposit facilities in Malaysia. Our illuminations are centered on current accounts, savings accounts and investment accounts. A brief note on negotiable Islamic certificates of deposit (NICD) is also provided. These deposit products are explained in terms of their definitions,...

Purpose – The purpose of this paper is to explore factors influencing Malaysian bank customers to choose Islamic credit cards. The bank customers generally aware of Islamic credit card facilities in Islamic banks but factors leading them to choose it are particularly unexplored. Given the importance of Islamic credit cards to Islamic banks, the stu...

One of the causes of the 2007 U.S. subprime crisis in 2007 is the use of traditional debt financing whereby the bank does not take risk of owning the property. Furthermore, the bank does not share its profit with customer and monthly instalment is pegged against market interest rate. This paper will initially examine salient issues (e.g. interest c...

Purpose The aim of this study was to develop a theoretical model of email advertising effectiveness and to investigate differences between permission‐based email and spamming. By examining different types of email (i.e. permission‐based email and spamming), the present study empirically tested the theoretical linkage between email advertising value...

The paper tests the effects of attitude, subjective norm and amount of information on the Islamic insurance participation. Drawing upon the theory of reasoned action (TRA), this study proposes a model to examine the factors within the Islamic insurance participation context. The model is tested using survey data from 206 respondents. Importantly, t...

The paper tests the effects of attitude, subjective norm and amount of information on the Islamic insurance participation. Drawing upon the theory of reasoned action (TRA), this study proposes a model to examine the factors within the Islamic insurance participation context. The model is tested using survey data from 206 respondents. Importantly, t...

Purpose The purpose of this paper is to analyze the probability of Islamic credit card usage intention among Islamic banks' customers. Financial cost, knowledge of Islamic credit card, attitude, financial recommendation and demographic items were examined in order to determine whether these factors are influencing the Islamic credit card usage inte...

The aim of this study is to investigate the factors that determine the local people of Sabah (also known as Sabahan) bank customers' intention to use mobile banking. This study extends the applicability of the Technology Acceptance Model (TAM) to mobile banking and includes "perceived credibility", "perceived enjoyment" and "perceived selfefficacy"...

Purpose – The Islamic credit card is a type of banking product offered by Islamic banks. Given the importance to the Islamic credit card to Islamic banks, the study is aimed at identifying the factors determining the Malaysian bank customers’ behavioral intention to use the Islamic credit card. Design/methodology/approach – Drawing upon the Theory...

This study is aimed at investigating the factors influencing the Islamic insurance acceptance among Malaysian bank customers. It focuses on the relationships among attitude, subjective norm, amount of information (AOI) and acceptance of Islamic insurance. For the purpose, the study used existing theory to identify factors, which are of paramount im...

This study examines the applicability of theory of reasoned action (TRA) in a context of Islamic pawnshop using structural equation modelling (SEM). The present study presents a simplified theory of TRA, hence it is intended to test whether the two constructs in the theory are acceptable or not in a newly context of Islamic pawnshop. The simplified...

This study examines the applicability of theory of reasoned action (TRA) in a context of Islamic pawnshop using structural equation modelling (SEM). The present study presents a simplified theory of TRA, hence it is intended to test whether the two constructs in the theory are acceptable or not in a newly context of Islamic pawnshop. The simplified...

Employing a survey approach, this research investigates discrepancies between Muslim and non-Muslim bank customers with regard to their perceptions of SMS banking. A multivariate analysis of variance of the results of the survey indicates that the two groups toward the antecedents of SMS banking usage intentions are significantly vary. Noted in det...