Factors affecting the intention to use Islamic personal financing

Looking into the situation in Malaysia, with a continued positive economic growth, the loan segment also has great potential for growth. In terms of household debt, it is the highest among developing economic countries in the region. In connection with the personal loan by banks have fallen compared with non-banking financial institutions, thus, the researcher took the opportunity to attract the consumers choose an Islamic banking product by conducting this research. In view of this problem, the researcher interested to study the factors that most influence a consumers’ intention to use Islamic personal financing and explore the relation among UUM staffs in aspects of attitude, social influence, perceived behavioral control, religious obligation and religiosity. Hence, this study is important to ensure consistency in the practice of financing between banks and non-banks by selecting an Islamic personal financing offered by Islamic banks. The sample consisted of 308 Muslim respondents among employees of Universiti Utara Malaysia. All data are analyzed using software of Statistical Package for Social Science (SPSS) by conducting statistical method namely, Independent Samples T-Test, Analysis of Variance (ANOVA), Pearson Correlation and Multiple Linear Regression analysis to achieve the objectives of this research. A conceptual framework is built based on the Theory of Planned Behavior (TPB) by adding two new external variables, namely religious obligation and religiosity to further explain the intention to use Islamic personal financing. The results showed that all the variables are positively correlated with the intention to use Islamic personal financing at 99% of confidence level. In addition, the results also identified four factors which are attitude, perceived behavioral control, religious obligation and religiosity found significant in influencing the intention to use Islamic personal financing. Perceived behavioral control proved to be a strong predictor on the intention to use Islamic personal financing. However, social influence is found to be insignificant predictor. Perhaps, the findings of this research may give ideas and bring recommendations for banks concerns the adjustments and changes needed in order to increase the chances of customers opting an Islamic personal financing offered. Moreover, this will also enable the bank managers to tailor their marketing efforts in line with attracting more customers in the future. Other than that, this study also helps to improve the research of Islamic personal financing and thereby promote more debates in this are

Faktor-faktor kecenderungan belia Muslim menyertai program pembangunan kerohanian di Universiti Awam Malaysia

Youth should participate in spirituality development programme to build a strong identity. Although many programmes have been organized by various parties, but the tendency of youth to participate is less satisfactory. Hence, this study is conducted to measure the level of tendency of Muslim youth to participate in spirituality development programme and to identify the differences based on demographic characteristics. In addition, this study aims to determine significant factors (attitudes, environmental influences, perceived behavioral control, religous appreciation, spirituality practices, age, rural residence locations and on campus) in influencing level of tendency of Muslim youth to participate in this programme. Furthermore, this study evaluates the effect of moderating factor (religious schools) towards the relationship between the determinants and the tendency to participate. Theory of Planned Behavior and Behavioral Theory from Islamic perspective were applied in this study by using quantitative method through distribution of questionnaires to 623 Muslim youths in public universities. The data was analyzed using independent sample t-test, ANOVA, Pearson correlation, multiple and hierarchical regression. The findings revealed that the level of tendency of Muslim youth to participate in spirituality development programme is moderately high. The level is also significantly different based on age, residence location, type and field in secondary school, academic qualification to enroll, academic program enrolled and on campus factor. Furthermore, attitudes, environmental influences, perceived behavioral control, religious appreciation and demographic characteristics have positive effect to tendency to participate. Interestingly, the religious schools was found to have significant and positive moderating effect on the relationship between the spirituality practices and participation tendency. Thus, educational institutions, families and communities need to encourage and support the youth to participate in the spirituality development programme and give more emphasis to religious education at early stages to ensure a holistic youth development towards nation building of the country

Investigating factors affecting the intention to use Islamic personal financing

The purpose of this paper was to examine the main factors that influence consumers’ intention to use Islamic personal financing.A sample of 308 employees from Universiti Utara Malaysia was surveyed.Attitude, social influence, perceived behavioral control, religious obligation and religiosity were examined towards the intention to use Islamic personal financing.The results show that perceived behavioral control proved to be a strong predictor.The findings of this study provide key inputs to an Islamic bank for better planning of Islamic personal financing facilities

Pembangunan belia dari perspektif pengurusan Islam

Youth is the largest group in the structures of society in our country. Thus, youth is our greatest and valuable asset for the country. Therefore, it is necessary for youths are brought up and guided to the right path and blessed by God so that they can be the generation that can be proud of the youth.This article discusses the youth development from an Islamic management perspective to produce individuals and subsequently the community of quality and personalized graceful.This article also applies the qualitative method through analysis of documents and data secondary sources. The outcome showed that the youth development from Islamic management perspective emphasizes the formation of high moral character and the skills based on Islam to achieve and meets the ideal brilliant youth.Hence, the youth as a great nation will appear when there is a comprehensive plan centered on four main elements, namely fertilization and supervision of the spiritual, physical, intellectual and emotional in line with Islamic teaching.Each field of Islamic teaching, whether in respect of tasawuf, aqidah or fiqh emphasizes the development of quality human equivalent

Kepentingan pendekatan kerohanian sebagai kaedah rawatan penagih tegar dadah: Kewujudan dan inisiatif Pondok Remaja Inabah 1 Malaysia (PRI(1)M)

Kertas ini adalah untuk menjelaskan tentang kaedah pemulihan mangsa penyalahgunaan dadah, masalah sosial remaja, serta mereka yang mengalami tidak ketenteraman jiwa untuk kembali ke jalan yang benar menurut perintah Allah oleh PRI(1)M.Kajian kes ini dilakukan dengan mengadakan beberapa kali lawatan sambil memerhati keadaan setempat dan mengadakan temuduga dengan pihak pengurusan PRI(1)M. Didapati pihak PRI(1)M mengaggap peserta yang memasuki pusat ini sebagai anak bina yang sakit.Mereka diubati dengan penuh perhatian dan kasih sayang.Setiap mereka akan menjalani tiga kaedah rawatan utama iaitu mandi, solat dan zikir. Kaedah ini menekankan konsep pembinaan serta bimbingan rohani dan jasmani.Sehingga kini PRI(1)M telah melatih lebih daripada 7000 remaja yang bermasaalah dan sekitar 70% dengan izin Allah telah berjaya dipulihkan.Kapasiti PRI(1)M adalah sebanyak 80 peserta pada satu-satu masa. Walaupun PRI(1)M berhadapan dengan masalah kewangan, pihak PRI(1)M berkemampuan untuk membentuk anak-anak bina yang berwibawa selepas menjalani program pemulihan secara kerohanian. Antara faktor utama yang dapat dikenalpasti ialah tapisan ketat sebelum diterima masuk, sumbangan serta khidmat yang diberi oleh anak-anak bina sendiri yang telah berjaya menjalani pemulihan berkhidmat semula bagi membina anak bina yang baru, pendekatan kerohanian, kesungguhan serta keikhlasan pihak pengasas dan juga pihak pengurusan PRI(1)M. Berdasarkan kajian kes ini dapatlah kita simpulkan bahawa pendekatan kerohanian oleh PRI(1)M mampu dan terbukti berjaya memulihkan penagih tegar. Kejayaan PRI(1)M boleh dijadikan satu model pemulihan penagih tegar

Hardcore drug addict treatment method through spiritual approach: a case study in Pondok Remaja Inabah 1 Malaysia, Kedah

This article explain method carried out by Pondok Remaja Inabah (1) Malaysia (PRI(1)M) for rehabilitation of drug addict, teenage social issues, as well as those who suffer from unpeaceful mind to return to the right path according to God's command.This case study was carried out by conducting multiple interviews and observations with PRI(1)M management team at their place. Each of the PRI(1)M’s participant (anak bina) will undergo three treatment methods, namely bath of repentance, prayer and remembrance (zikr). This method emphasizes the concept of recovery as well as the spiritual and physical guidance. Up to now PRI(1)M has treated more than 7000 of drug addicts (participants) and about 70% had been restored by the permission of God. Although PRI(1)M are faced with financial difficulties, PRI(1)M still capable to build the respected participants after they undergoing a rehabilitation program through spirituality approach. Among the key factors of this successful that can be identified is a strict censorship before admission; donations and services provided by the participants who have successfully rehabilitated and rejoin PRI(1)M togather help other participants with the spirituality approach; determination and sincerity of the founder and also the PRI(1)M’s management team. The results of this case study found that a spiritual approach by PRI(1)M capable and proven successful to recover hardcore drug addicts. Thus, the success of PRI(1)M can be used as a model for hardcore drug addicts recovery

Kepentingan elemen kerohanian dalam perlaksanaan aktiviti di MRSM Ulul Albab: Kajian kes di MRSM Gemencheh, Negeri Sembilan

This study was conducted to see how far the school management emphasizes the elements of spirituality in the implementation of all activities in the school and the challenges it faced in order to produce excellent students academically and personality.This study applies qualitative method through an interview on the management of Mara Junior Science Colleges (MRSM) Gemencheh, Negeri Sembilan.From the analysis carried out, this study found that the school management emphasizes the elements of spirituality in almost all the activities carried out in school either in the curriculum, hostel activities and also includes community activities.In addition, the school management has the full support of the students, beneficiaries as well as the communities in their efforts to emphasize the spiritual elements in each activities implemented. However, it is undeniable that existed challenges in the implementation of activities that emphasize the spiritual elements such as challenge for the students to divide the time between studies and activities undertaken.This is because there are so many activities undertaken and their schedule is too compact

Malaysian youth perception towards management of spirituality programs in Malaysia

Spirituality Issues among youth should be concerned in order to secure good nation building in future. In relation to this, government as well as private sectors manages to setup various activities in order to develop and improve spirituality among youth. There are three categories of activities: education, training and program offered or managed by government and private sector.However, what is the Malaysian youth perception towards management of spirituality program conducted? Therefore, the objectives of this paper is to measure Malaysian youth perception towards management of spirituality program. The methodologies utilized in this research is quantitative methods to gather primary data through questionnaire. In this study, we employed stratified sampling technique and the respondents are Malaysian youth which age within 15 to 40 years. The data gathered from 4703 respondents analysed by using descriptive analysis, t-test and ANOVA. The findings show that the mean score for effectiveness of management level towards spirituality activities is 7.55 out of 10 points which imply there are room to be improved. There are ample opportunity to improve the management of spirituality activities, especially in terms of selecting professional facilitator or moderator who conduct the spirituality activities

Correctional method on hard core drug addicted: a study on AADK, AADK-I and INABAH

This article is part of a larger study on the role of spirituality in correcting the hard core drug addict. The study seeks to reveal the experience of former hard core drug addicted through different correctional method. This is to better understand the deep meanings from their experiences with spirituality and transformation as they cope with the challenges of drug addict. Data were gathered using in depth interview with the former drug addicted who have experience through AADK, AADK-i and Pondok Inabah. Qualitative methods were used in identifying several themes which 1) Basic method of treatment used; 2) Special treatment used; 3) Feeling during treatment; 4) Preparation to face community; 5) Successful rate. The study suggests that former drug addict experiences with drug addict and their learning processes must be understood within the appropriate cultural context. The common emphasis of spirituality on relationship with God, self and others, may significantly influence how people learn to live without drug

Spirituality in alternative correctional method on hard core drug addict: case study of “Anak Bina Inabah”

This article is part of a larger study on the role of spirituality in correcting/rectifying the hard core drug addict.The study seeks to reveal the meaning of the experience through the stories of three Muslim who used to involve with drug addiction, to better understand the deep meanings that inform their experiences with spirituality and transformation as they cope with the challenges of drug addict.Data were gathered using in depth interview. Qualitative methods were used in identifying two themes which are closer to Allah will make them far from drug and fulfill soul to rectify physical and spiritual.The themes were discussed in the context of two broad areas: (1) what are the new meanings these man discovered in their experiences in drug addiction; and (2) how did the new meanings (change their lives).The study suggests that former drug addict experiences with drug addict and their learning processes must be understood within the appropriate cultural context. The common emphasis of spirituality on relationship with God, self and others, may significantly influence how people learn to live without drug