Hanudin Amin

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

Ph.D Islamic Banking & Finance

About

104
Publications
131,293
Reads
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3,381
Citations
Additional affiliations
September 2011 - September 2014
International Islamic University Malaysia
Position
  • Researcher
Description
  • It's great to learn IBF :)
July 2007 - present
Various Journals
Position
  • Reviewer
Description
  • Management Research Review, Internet Research, Journal of Islamic Marketing, International Journal of Islamic and Middle Eastern Finance and Management etc
March 2003 - present
Universiti Malaysia Sabah (UMS)
Position
  • Lecturer

Publications

Publications (104)
Article
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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
Full-text available
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...
Article
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...
Article
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...
Article
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...
Article
Full-text available
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...
Article
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...
Chapter
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...
Article
Full-text available
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...
Article
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...
Article
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...
Article
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...
Article
Full-text available
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...
Article
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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...
Article
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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...
Article
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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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
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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...
Article
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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...
Book
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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
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...
Article
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...
Book
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...
Article
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...
Article
Full-text available
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...
Article
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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...
Article
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...
Article
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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...
Article
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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...
Article
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...
Article
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...
Article
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...
Article
Full-text available
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...
Article
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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...
Article
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...
Article
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 "...
Article
Full-text available
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...
Article
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...
Article
Full-text available
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,...
Article
Abstract 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,...
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Full-text available
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...
Article
Full-text available
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 val...
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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...
Article
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...
Article
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 in...
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Full-text available
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"...
Article
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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...
Article
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...
Article
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...
Article
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...
Article
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...
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Purpose – Islamic banking and finance is an emerging global industry founded on Islamic ethical precepts. Just as in the case of conventional banks, Islamic banks are expected to offer products that consider the needs of their customers. The present study investigates the effects of the following factors: attitude; social influence; religious oblig...
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This paper reinvestigates the relationship between money supply and prices in Malaysia. The sample includes monthly data of money supply (M1, M2 and M3), consumer price index (CPI) and industrial production index (IPI) from January 1974 to April 2007. Both Johansen cointegration and autoregressive distributed lag (ARDL) bounds testing method sugges...
Article
Full-text available
The aim of this paper is to provide a preliminary investigation of the factors that determine whether Malaysia's Tabung Haji customers in Eastern Malaysia will use or not a new facility introduced by the institution, namely Automated Teller Machine or ATM banking. As such, this study introduces the concept Tabung Haji ATM Banking (TAB). In order to...
Article
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The purpose of this study is to examine the factors that determine Qardhul Hassan financing acceptance among Malaysian bank customers. Explained in more detail, the main objectives of the study are twofold. First is to test the applicability of conventional theory, notably theory of reasoned action (TRA) to the Qardhul Hassan financing acceptance....
Article
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This study aims to investigate the factors influencing the use of short-messaging-service (SMS) banking among Malaysian bank customers. It focuses on the relationships among attitude, subjective norm, perceived security and privacy (PSP) and intention to use SMS banking. We collected 115 valid survey responses. The data indicate that attitude, subj...
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The purpose of this paper is to compare the internet banking system in Malaysia and Thailand. Using comparison as the theoretical base, secondary data were used to determine the differences between both countries with respect to Internet banking. Analysis of the data indicates that both nations are dissimilar in providing basic services offered by...
Article
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Purpose – The main purpose of this paper is to investigate the acceptance level of Islamic accounting course by undergraduate students at the Universiti Malaysia Sabah (UMS). The study used theory of reasoned action (TRA) to analyze the findings. Design/methodology/approach – The primary data for the study are collected using self-administered ques...
Article
Purpose – The purpose of this paper is to detail the findings of a study to determine the viability of Islamic banking as a niche for the Labuan International Offshore Financial Center (IOFC). Labuan was declared an IOFC by the Malaysian Government in 1990, with the goal of developing it as a financial “supermarket” offering a wide range of offshor...
Article
Purpose – The purpose of this paper is to explore the reasons behind customers' selection of Islamic mortgage in Sabah, Malaysia and present factor and cluster analyses to identify the importance of choice criteria for Islamic mortgage selection. The choice criteria among Sabahans are investigated along with their gender, age group, religion, month...
Article
Full-text available
This study is aimed at investigating the factors influencing the online banking acceptance in Kota Kinabalu, Northern Borneo, Malaysia. This study applies technology acceptance model as the base model in order to investigate the online banking acceptance. For this purpose, a linear regression is employed to examine the factors influencing online ba...
Article
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Purpose - Technological proliferation has changed the practice in which financial services are transacted, with mobile wallet being the latest development in this area. This paper aims at explaining the factors that encourage bank customers to adopt mobile wallet in Sabah. Design/methodology/approach – Extends the applicability of the technology ac...
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Purpose – Emphasis on the importance of halal products is now growing. It is fast becoming a new market force and brand identifier and is now moving into the mainstream market, affecting and changing perception on how business should be conducted, including from a marketing point of view. The purpose of this paper is to test the applicability of th...
Article
Full-text available
Financing resources are basic necessities for firms to sustain and further diversify their business activities. These financial resources come in the form of various financial instruments, having their foundation based on both the conventional and Islamic principles. While the conventional financing instruments are based on the current market inter...
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This paper aims to examine e-business from Islamic perspectives. Among topics to be addressed in this paper, are e-business concepts, the legality of e-business from an Islamic point of view, prospects and challenges of Islamic e-business in a Malaysia context. This study introduces an Islamic e-business concept in addition to some interesting issu...
Article
Full-text available
The main purpose of this paper is to examine the relationship between money and prices in Malaysia. This research considers monthly data of money supply M1, M2 and M3 and consumer price index (CPI) from January 1974 to September 2006. The Johansen cointegration method suggests that there is a long-run equilibrium relationship between money supply w...
Article
Full-text available
Purpose – The purpose of this paper is to investigate the choice criteria for Islamic home financing in Malaysian Islamic banks. Most importantly, this study considers establishing a specific rank of choice criteria for Islamic home financing. Moreover, these choice criteria will also be ranked according to the selected demographic elements such as...
Book
This book offers useful ilm' for those who are interested in Islamic accounting. I have taught this subject at Labuan School of International Business and Finance, Universiti Malaysia Sabah, Sabah, Malaysia Students are exposed to various technical issues on musharakah mutanaqisah, murabahah financing etc They like it!
Article
Purpose – Mobile phones have provided an opportunity for banking institutions to introduce new services to the public. The latest service, which is now available in Malaysian banking institutions, is the mobile phone credit card. The purpose of this paper is to provide a preliminary investigation of the factors that determine whether Malaysia’s ban...
Article
Full-text available
The purpose of this paper is to examine the factors that affecting Malaysian bank customers acceptance of banking channels namely branch banking, ATM banking, telephone banking and Internet banking. Considering this objective in mind, the current study tends to develop a model, a theoretical framework that explains the factors affecting banking cha...