Determinants of millennials’ acceptance towards tawarruq home financing in Sandakan, Sabah, Malaysia

The purpose of this study was to investigate the factors that influence the millennials’ intention to choose tawarruq home financing in Sandakan, Sabah, Malaysia. The primary data were gathered via the questionnaire survey administered among Islamic banking customers in Sandakan, Sabah. Data obtained were analysed via multiple regression analysis using the software, Statistical Package for Social Sciences. This study found that attitude, subjective norm, perceived behavioural control, religiosity and knowledge in muamalat had a positive significant relationship towards millennials’ intention to choose tawarruq home financing in Sandakan, Sabah. This study used the sample size by inviting over 150 participants who filled the questionnaires and the area of coverage for the current study was limited to Sandakan, Sabah, Malaysia. Besides, the contributions of this study were confined to those factors examined in the research’s conceptual framework. The results obtained through this study can help muamalat practitioners in providing the best practice of tawarruq home financing in the locality at best. In addition, this study also helps to guide managers of Islamic banks to plan better offers of the facility among local folks. This study integrated religiosity and knowledge in muamalat in explaining millennials’ acceptance of tawarruq home financing in Sandakan, Sabah, Malaysia

Predictors of Millenials’ E-wallet Payment Behaviour in Post-Covid-19 in Malaysia

This study uncovered contributing factors that could determine millennials’ e-wallet payment behaviour in post-coronavirus disease 2019 (COVID-19) in Malaysia. In this study, 256 millennial respondents from Labuan and Kota Kinabalu, Malaysia were approached using an online questionnaire via Google Forms for effective data collection. This study used the ‘attitude, social influence and self-efficacy’ (ASE) model as a baseline theory to explain millennials’ e-wallet payment behaviour in post-Covid-19. The results revealed that attitude, social influence and self-efficacy were significant predictors of e-wallet behaviour. Besides, attitude also served as a significant mediating variable. The results obtained should be considered with caution. At least two limiting factors are acknowledged in terms of the limited geographical locations as well as confined variables used to explain the behaviour. Besides these constraints, future research might examine other theories to contrast the findings for improved contributions in e-wallet payment in Malaysia. The results obtained would be very pertinent for the development of an e-wallet policy in post-Covid-19 and new guidelines to boost adoption for payment purposes in Malaysia. This study presents a new perspective on the potential impacts of millennials' e-wallet behaviour in post-COVID-19 in Malaysia using the ASE model

The role of diffusion of innovation theory towards the adoption of halal meat supply chain

This paper aims to examine the factors that drive the exporter’s influence toward halal meat supply chain adoption by encompassing the diffusion of innovation (DOI) theory in the context of Pakistan. Using DOI as an underpinning theory, this study evaluates halal supply chain adoption by collecting data from the members of associations from Pakistan. A total of 258 useable responses were received, and PLS-SEMwas adopted using SmartPLS. The exporter’s adoption of the halal supply chain is determined not only by perceived relative advantage and perceived compatibility but also by perceived complexity, religious beliefs and awareness. Though this study has practical and managerial implications, it has few limitations. Further studies need to be conducted in other contexts as well with a larger population. There are limited studies that have tested DOI theory in the context of the halal meat supply chain in Pakistan. Therefore, the author extends the diffusion theory of innovation in the current work. Further, this paper will be a helpful reference guide for academicians, practitioners and researchers

Exploring Motivational Factors For Muslims' Cash Waqf Participation: : A Case Study In Selangor, Malaysia

The Muslim population in Malaysia has long followed the practice of paying monetary waqf to mosques. However, no prior research has revealed the characteristics that drive donors to provide cash waqf. As a result, this research aims to investigate the factorsthat motivate Muslims in Selangor to pay monetary waqf to mosques. This study is deductive quantitative survey research in which the conceptual model was developed based on theory and empirical findings. To evaluate data for research utilising Structural Equation Modelling (SEM), 200 sample questionnaires were collected and analysed using Analysis of Moment Structure (AMOS). This study discovered that the characteristics, attitudes, subjective norms, and religiosity greatly influenced the intention of Muslims in Selangor, Malaysia, to pay cash waqf to a mosque as a result of data analysis. This study should have a theoretical impact by empirically contributing reference information to the body of knowledge in the field of waq

Waqif Preference of Waqf-Based Qardhul Hassan Financing in Malaysia: An Analytic Hierarchy Process Perspective

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 challenge and one of them is the offered qardhul hassan financing funded through crowdfunding on the basis of waqf. This is called waqf-based qardhul hassan financing. For this purpose, this study introduces QAFSCALE, referred to qardhul hassan financing scale to gauge waqif preference on the facility should it is made available in the market. A total of 324 waqif or donors were participated in this study to identify their preference in donating their money in the facility should it is introduced. This study used Attia’s (2010) maqasid al-Shariah theory to generate the QAFSCALE, beginning from the conceptualisations, dimensions and importantly the batter items that represent the QAFSCALE. Analytic Hierarchy Process (AHP) is used. The results obtained indicate that humanity factor is ranked first in importance, followed by family factor, consumer factor and ummah factor. This study limitation is the sample size. A broader sample would have made the result better. Adding to that, the newly designed scale is first of its kind in the context of waqf-based qardhul hassan financing and more studies needed to prove its applicability and generalization, at least. The results obtained might be of interest to managers of Islamic banks and the like to understand their potential waqif preference in the context of waqf-based qardhul hassan financing. Four factors drawn from QAFSCALE were evaluated to identify important factors leading to the waqif contribution on waqf

ISLAMIC BANK CUSTOMERS’ ADOPTION OF DIGITAL BANKING SERVICES: EXTENDING DIFFUSION THEORY OF INNOVATION

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 by Islamic banks are largely decided by relative advantage, technology self-efficacy and complexity. All the factors above are influential in determining the digital banking adoption by non-users. The finding serves as an essential input to banks and policy makers in expanding the adoption of digital banking services of Islamic banks

ACCEPTANCE OF ISLAMIC EQUITY-BASED MORTGAGE PRODUCT: AN EXTENSION OF DECOMPOSED THEORY OF PLANNED BEHAVIOUR

This study examine the determinants that may predict the consumer’s intention to accept equity-based product, which is mushārakah mutanāqisah (MM) Islamic mortgage. Survey was conducted using multi-stage and purposive sampling. For the purpose of analysis structural equation modelling technique was used in current research. Moreover, 306 responses were gathered from users of MM Islamic mortgage. The theoretical framework of the current study was drawn upon the decomposed theory of planned behaviour (DTPB) because of its predictive power and robustness to base a model. The findings of the study revealed that behavioural intention appeared to have been directly and indirectly influenced by all constructs and above all most significant factors are Peers and perceived behaviour control. All the main beliefs, namely, attitude, subjective norm, perceived behaviour control, which are predicted by compatibility, relative advantage, peers and self-efficacy affects consumers’ intention to accept mushārakah mutanāqisah, MM home financing. The effect of pricing variable on intention was significant as well. Pricing variable is yet to be tested therefore, this paper will be a useful reference for the policymakers, academicians and future researchers

Examining Cash Waqf from the Perspectives of Malaysian Actual Donors

This study examined the cash waqf giving behaviour in Malaysia covering Selangor, Perak, Negeri Sembilan and Pahang. The theory of planned behaviour (TPB) was employed as a point of departure to observe the factors influencing the cash waqf behaviours involving 777. SPSS 27 was then utilised to assess and consider the data to test hypotheses and draw statistical conclusions. The TPB’s factors were instrumental in shaping the expansion of cash waqf giving in Malaysia. The added variable, Islamic altruism was also statistically influential and played an important role in determining the behaviour formation.  Besides, in the post hoc analyses, we discovered a mediating role of attitude for the tested and examined independent variables involved. The usefulness of the results obtained was confined to the theory used as well as the geographical areas chosen. The results obtained can be learned by Malaysian waqf institutions to further strengthen the waqf collections by optimising the significant variables found in this study. This study is the first to check the effects of the TPB's factors in the context of actual behaviour, which adds more knowledge to the existing waqf literature available in the world

Exploring motivational factors for Muslims cash waqf participation: A case analysis from Selangor, Malaysia

The Muslim population in Malaysia has long followed the practice of paying monetary waqf to mosques. However, no prior research has revealed the characteristics that drive donors to provide cash waqf. As a result, this research aims to investigate the factorsthat motivate Muslims in Selangor to pay monetary waqf to mosques. This study is deductive quantitative survey research in which the conceptual model was developed based on theory and empirical findings. To evaluate data for research utilising Structural Equation Modelling (SEM), 200 sample questionnaires were collected and analysed using Analysis of Moment Structure (AMOS). This study discovered that the characteristics, attitudes, subjective norms, and religiosity greatly influenced the intention of Muslims in Selangor, Malaysia, to pay cash waqf to a mosque as a result of data analysis. This study should have a theoretical impact by empirically contributing reference information to the body of knowledge in the field of waqf

SARS-CoV-2 vaccination modelling for safe surgery to save lives: data from an international prospective cohort study

Background: Preoperative SARS-CoV-2 vaccination could support safer elective surgery. Vaccine numbers are limited so this study aimed to inform their prioritization by modelling. Methods: The primary outcome was the number needed to vaccinate (NNV) to prevent one COVID-19-related death in 1 year. NNVs were based on postoperative SARS-CoV-2 rates and mortality in an international cohort study (surgical patients), and community SARS-CoV-2 incidence and case fatality data (general population). NNV estimates were stratified by age (18-49, 50-69, 70 or more years) and type of surgery. Best- and worst-case scenarios were used to describe uncertainty. Results: NNVs were more favourable in surgical patients than the general population. The most favourable NNVs were in patients aged 70 years or more needing cancer surgery (351; best case 196, worst case 816) or non-cancer surgery (733; best case 407, worst case 1664). Both exceeded the NNV in the general population (1840; best case 1196, worst case 3066). NNVs for surgical patients remained favourable at a range of SARS-CoV-2 incidence rates in sensitivity analysis modelling. Globally, prioritizing preoperative vaccination of patients needing elective surgery ahead of the general population could prevent an additional 58 687 (best case 115 007, worst case 20 177) COVID-19-related deaths in 1 year. Conclusion: As global roll out of SARS-CoV-2 vaccination proceeds, patients needing elective surgery should be prioritized ahead of the general population