Shafinar Ismail

MARA University of Technology | UiTM

According to the Insolvency Department of Malaysia, as of December 2023, 233,483 Malaysians are currently involved in bankruptcy cases due to their defaults on hire purchase loans, credit card loans, personal loans, housing loans, and business loans. This is indeed a critical issue because the growing number of personal bankruptcy cases will hurt t...

This study aims to assess the reliability and validity of a questionnaire designed to measure the impact of social trust, social networks, and financial innovation on the financial well-being of micro-entrepreneurs in Malaysia. Employing a descriptive research design and a cross-sectional approach, data were collected from 140 micro-entrepreneurs,...

Purpose This study aims to show the factors that influence the intention of Generation Z Muslims to buy halal food products through ShopeeFood. Design/methodology/approach This study used quantitative methods. The analytical technique used is partial least square-structural equation modeling with 230 respondents as a sample of Generation Z Muslims...

Due to its substantial contributions to the economy, society, environment, and other sectors, tourism is vital. To keep the tourism business sustainable, the government and other relevant stakeholders must allocate a sizable budget. Consequently, waqf is one way to lessen reliance on government funding. Waqf, in general, refers to assets that Musli...

The personal name of the Malaysian Javanese Diaspora (MJD) grows and develops along with the history of dynamic life, thought, social, and cultural developments. This research specifically aims to reveal and explain the process of anthroponymy evolution of the Javanese-Malaysia diaspora personal name system from historical, social, cultural, and li...

Cases of corruption that are increasingly rife in the procurement of goods and services have prompted the government to issue a new policy on the use of the e-procurement system. This system is considered capable of overcoming transparency problems so that it is expected to be able to overcome problems in the procurement of goods and services, so t...

The purpose of this article is to identify the existing research gaps in the literature and the practicality of e-wallet acceptance studies in Malaysia. A systematic literature review (SLR) of peer-reviewed journal articles was carried out by the researchers, based on two major databases, namely, Scopus and Web of Science. In total, 60 articles pub...

The financial well-being of micro-entrepreneurs is a multifaceted concept that encompasses both financial stability and personal satisfaction with one's financial situation. The pandemic experienced by the country has affected people from all walks of life, including micro-entrepreneurs. These self-employed people not only scored the lowest when it...

This study attempts to address whether waqf fund, social-cultural, or transversal pillars can contribute to tourism industry sustainability after the COVID-19 pandemic for both Malaysia and Indonesia. Questionnaires were distributed online to the employees who work in the tourism industry. The result indicates that the social-cultural pillar should...

Financial planning for retirement for gig workers is relatively hard given their insecure employment. Factors like employer misplacement of gig workers, a lack of employer-sponsored pension plans, uncertain income, and insufficient financial guidance may make it difficult and stressful for gig workers to arrange their money for retirement. The rese...

Medical tourism is a trip abroad that is carried out by someone whose aim is to get health care, both general check-ups, treatment and rehabilitation. The most popular destination countries for medical tourism are India, Thailand, Singapore and Malaysia. The number of Indonesians who travel to neighboring countries to get medical services is quite...

This study aims to examine the influencing factor of performance expectancy, effort expectancy, and social influence on the acceptance to use e-wallet among the B40 group whichis the low-income group in Malaysia by utilizing the unified theory of acceptance and use of technology (UTAUT). Due to the noticeable increase of cashless and contactless tr...

Developments in digital finance help vulnerable communities access financial services, particularly in developing countries. Financial technology innovation offers advancements to the financial industry and consumers that make their transactions less complex and more convenient. E-wallet is a great platform that will have a favorable impact on the...

The demand for gig work is continuously rising with the emergence of online platforms and marketplaces such as Freelancers.com, LinkedIn, Grab, Foodpanda, etc. Although the demand for gig work is growing, the ecosystem of this field does not fully support the welfare and well-being of its workers. The literature discussion is scarce regarding the w...

This research attempted to explore the determinants of small and medium enterprises (SMEs) compliance behavior in paying zakat (alms). This study involved business owners (SMEs) in the city of Mataram as the population and 176 people as the sample. The data were collected through online survey instruments employing the purposive sampling method. Th...

Madrasah Aliyah in Indonesia is still difficult to achieve the quality of education, it is marked that there are still some teachers who have not met the minimum education qualification of S1 / D4, teachers teach not according to their field of expertise, there are still many Madrasah Aliyah with non-civil servant status. The general objective is n...

Work-Life Balance is one of the main challenges for modern societies. This is because it affects the well-being and productivity of workers, as well as their ability to enjoy their personal life. One in five Malaysians felt stressed and faced difficulty ensuring they could manage their work and family simultaneously. Therefore, this study intends t...

Expanding the sukuk market and banking sector is essential to spur economic growth. However, these two components of financing providers do not cooperate fairly as a well-developed of one market is a drawback to another market. Hence, this study aims to highlight the issues encountered in developing one market that could threaten the expansion of o...

The purpose of this study was to analyze and design general physics lectures material and produce products in the form of STEM-based general physics lectures. The lecture materials are designed and made to meet scientific, technological, engineering, and mathematical aspects so that they are relevant to learning in the fields of mathematics and nat...

Vaccine rejection remains an issue of consideration that is determined by the thoughts, attitudes, and opinions of a person. This study aims to identify the determinants of vaccine and vaccination -specific problems that influence the rejection of vaccines among Malaysian parents. The quantitative survey research, selected using purposive non-proba...

Developments in digital finance help vulnerable communities access financial services, particularly in developing countries. Financial technology offers advancements to the financial industry and consumers that make their transactions less complex and more convenient. E-wallet is a great platform that will positively impact the economy and social f...

Tourism is currently one of the most promising industries in the world. Due to critical/limited budget availability, one of the alternative solutions to reduce the spending from the government is to utilize the waqf funding in the tourism sector. As an innovative way to fund the tourism sector without relying on government funding, waqf aims to ful...

The aim of this study is to investigate the impact of social care on elderly well-being in Malaysia, and the waqf fund acts as a mediating role in this relationship. A total of 150 responses were analyzed, and PLS-SEM was used to validate the research model and hypotheses. The findings revealed that social care and the waqf fund were proven to have...

This paper presents the validation of an instrument to measure the Lending Institutions' Practice (LIP) from the use of consumer and household over-indebtedness context. Eight LIP items had been adapted from previous studies and had gone thru the validating process, involving content and construct validity, including pre-testing, Pearson Correlatio...

Upper-middle-income economies (UMIE) are experiencing an economic slowdown, partly due to weak regulatory performance. This issue leads to slow growth in private sector participation, thus limiting the ability to achieve higher economic growth. At this critical point, the government’s role is to inject funds into economies, hoping that growth can b...

Micro economic changes in association with various wage groups

Objective - The World Health Organization claims that in almost every nation, including Malaysia, the number of persons over 60 rises more quickly than in any other age group. A significant worry for health and quality of life is how to mature successfully and accept well-being. Considerable interest is also being shown in well-being-related topics...

This paper examines whether there is a long-run relationship between foreign direct investment (FDI) inflows, ICT development and economic growth in China and Malaysia. We use a newly developed cointegration test, the autoregressive distributed lag (ARDL), to examine this long-run relationship by employing annual data from 1980 to 2017. The study r...

Foreign direct investment (FDI) is a key element in this rapidly evolving international economic integration, also called globalisation. FDI provides a means for creating direct, stable and long-lasting links between economies. This paper empirically examines the role of selected macroeconomic variables in determining FDI inflows in the context of...

Purpose The purpose of this study is to assess small and medium-sized enterprises (SMEs) owners’ intentions to participate in waqf, involving two countries, which are Malaysia and Indonesia, using the theory of planned behavior. SMEs are the backbone of many economies, representing 95% of all companies worldwide and accounting for 60% of employment...

Waqf is an Islamic financial instrument that can be utilised in helping various economic matters around the world. The growth of waqf in Malaysia and Indonesia has become ever more significant. The recognition of the importance of waqf to Malaysia and Indonesia’s economy is demonstrated by the utter value and breadth for entrepreneurs of the suppor...

In both developed and developing countries, the percentage of older adults in the overall population has increased significantly (Sun et al., 2011; Hadi et al., 2012). According to the United Nations' report (2019), one in every six people on the planet will be over 65 years old by 2050, up from one in every eleven in 2019. Malaysia's population is...

As the world is undergoing a demographic revolution since 1950, life expectancy has increased by more than two decades, and the population has grown significantly. According to the World Health Organization (WHO), the population of individuals who are over the age of 60 is increasing faster than any other age groups in almost every country (Cromley...

Declining vocabulary and poor comprehension of complex sentences are some depleting language skills faced by the elderly. As such, this study explored the cues that construct young people's understanding of effective communication within the older and young adult dyad. Qualitative data retrieved from open-ended questions were thematically analysed,...

Stress is an issue that has been plaguing the teaching profession in Malaysia. Past studies have shown evidence that workplace stress has a detrimental effect in terms of the health of the employee, as well as the productivity and the economic stability of the country. According to the transactional view of stress, stress is manifested through the...

The media plays many important roles in providing information to the public through various platforms, both in traditional and digital forms. In March 2020, the Malaysian government announced the Movement Control Order (MCO) due to the outbreak of COVID-19. COVID-19 is an infectious disease caused by a newly discovered coronavirus which continues t...

The increase in the aging population in the ages of above 60 years old has given huge impact on the socioeconomic, growth and human development of a country. Meanwhile, poor well-being initiatives in a nation contribute more on neglect of elderly welfare, and mental and physical abuse affecting better life quality and satisfaction. Approximately 70...

Prior to the Coronavirus Disease 2019 (or better known as COVID-19) pandemic, Malaysia's tourism sector was the third-largest contributor to the country's economy. However, the emergence of the COVID-19 pandemic has given a severe impact on the tourism sector besides the direct struggle of public health all over the world. In order to recover from...

Industrial revolution 4.0 requires the upper-middle-income economies to invest in critical areas such as technological advancement, infrastructure, internet of things, research and development, and so on. However, as majority of these economies are falling into the middle-income trap, they need huge supports from domestic and foreign investors to s...

In this paper, we explore the determinants of non-performing loans (NPLs) in Asia using a panel data set across 9 countries covering the Middle East, Southeast Asia (SEA) and South Asia countries over a period of 2000 to 2014, and test whether those determinants affect the Southeast Asia differently. The two-step System GMM results indicate that th...

Development of instructional technologies gives rise to high demand, including math learning, that can be attained by the involvement of information and communication technology through instructional multimedia. Instructional multimedia are presentation media that combine the whole media elements, such as text, audio, video, animation, and graph. A...

This study analyses and presents accounting academics' experiences in six universities in Australia, Malaysia, and Indonesia to adapt to the swift change to the remote virtual classroom delivery model forced by the COVID-19 pandemic, while also gaining valuable lessons from this unique situation. In this study, autoethnography's basic principles we...

A rise in the ageing population is the current demographic challenge which is capable of pressuring the government to borrow more external funds in order to support domestic needs. This study aims to investigate the effects of the external debt of 36 upper-middle-income economies from 2000 to 2017 due to the increase in the ageing population. This...

This study was conducted to explain the impact of open and enclosed plan office layouts on employee productivity. The subject area for this study was in Amanah Saham Pahang Berhad (ASPA). This study involved 52 respondents from Administration Department, Finance Department, Logging, Planning and development of Forest Department and Investment Depar...

Today, electronic payment (e-payment) has become a major point of consideration for consumers, businesses and the public sector. E-payment customers make cashless payments for goods and services through cards, mobile phones or the internet. Perception of consumers towards these e-payment systems is highly important for future growth. This paper dea...

The World Bank Group (2018b) announced that the upper-middle-income economies (UMIE) tend to fall into a middle-income trap position for a long period. This usually happens when countries are not progressing economically at a promising rate and are unable to catch up with the developmental pace of high-income economies (HIE). One of the main contri...