Spending, savings and investment: an Islamic perspective

Monetary Economics: Issues and Challenges provides the insights of monetary economics. The book would enable readers to understand the latest development in the banking sector. The latest development covers Islamic finance, retirement planning tools and Bank Negara’s Reserve Requirement Policies. The book would be a need for students in the area of finance and for investors to keep themselves updated on the latest development related to monetary issue

Kesan pembangunan luar bandar ke atas kesejahteraan hidup masyarakat di Sabah

Pembangunan boleh memberi kesan terhadap persekitaran sosioekonomi sesebuah kawasan. Pembangunan yang berlaku sama ada di bandar atau di luar bandar juga boleh mengubah landskap sesebuah tempat sama ada merangkumi sudut ekonomi, pendidikan, sosial, politik mahupun infrastruktur. Kertas kajian ini bertujuan untuk membincangkan mengenai kesan pembangunan yang berlaku di pekan Botition, sebuah pekan kecil yang terletak di daerah Beluran, Sabah kepada kesejahteraan hidup masyarakat setempat. Terdapat pembangunan yang berlaku di pekan ini sejak beberapa dekad yang lalu dan ia menunjukkan perubahan yang ketara dari segi fizikal kawasan dan gaya hidup penduduk setempat. Dengan menggunakan kaedah soal selidik, seramai 152 responden telah terlibat dalam kajian ini. Kajian ini mendapati terdapat kedua-dua kesan iaitu kesan positif dan juga negatif kepada penduduk setempat, akibat daripada sebaran pembangunan di kawasan luar bandar ini. Kesan positif yang didapati berdasarkan persepsi penduduk dalam kajian ini ialah mereka berupaya menggunakan kemudahan infrastruktur yang disediakan di pekan Botition, Beluran, demi kelangsungan dan kesenangan hidup mereka. Kemudahan infrastruktur yang dimaksudkan ialah seperti jalan raya, sungai, air, letrik dan kedai-kedai runcit barangan harian. Manakala dari sudut negatif pula, penduduk merasakan berlakunya peningkatan bilangan penduduk asing di kawasan pekan Botition yang membawa kepada persaingan dalam ekonomi serta berlakunya penurunan kualiti alam sekitar seperti pencemaran bunyi dan udara menurut persepsi penduduk setempat. Oleh itu, kerajaan dan pihak berkuasa tempatan disarankan dapat mengambilkira kepada kelestarian dalam aspek sosial penduduk dan kemapanan persekitaran fizikal apabila membuat pelan tindakan dalam membangunkan kawasan luar bandar. Kajian ini boleh dilanjutkan dengan melihat kepada kesan pembangunan luar bandar kepada kesejahteraan penduduk setempat dalam beberapa tahap: sebelum, semasa dan selepas; selain cuba mengetahui mengenai jangkaan dan keperluan mereka terhadap sesuatu pembangunan

Perception towards the Importance of Education among Muslim Women in Papar, Sabah (Malaysia)

Malaysian women have continued to play an increasingly important role in the national development of the country including greater participation in the economy and labor market. These improvements were made possible by the increasing numbers of females having access to education. Education provides better work opportunities and thus increases the level of income of an individual. Therefore education is perceived to be an important factor in human capital formation. In Islam, every Muslim is required to acquire knowledge as much as possible. Knowledge generates wealth. Thus, Islam condemns idleness, inactivity and poverty are condemned. A Muslim should be actively involved in the pursuit of increasing their knowledge and skill to ensure that their life is not of mere subsistence. This paper will look at the perception towards the importance of education among Muslim women. A total of 189 respondents were interviewed from selected kampongs in the district of Papar, Sabah. The data collected was analyzed and reported using descriptive statistics. About 42.4 percent respondents have obtained a diploma and degree level education. From the study, it is found that 78 percent of the total respondents perceived that education is very important. A total of 47.1 percent strongly agreed that education can influence future income. Essentially, a total of 78.8 per cent agreed that higher level of education leads to a higher level of income.Education, Women, Sabah

Perception towards the Importance of Education among Muslim Women in Papar, Sabah (Malaysia)

Malaysian women have continued to play an increasingly important role in the national development of the country including greater participation in the economy and labor market. These improvements were made possible by the increasing numbers of females having access to education. Education provides better work opportunities and thus increases the level of income of an individual. Therefore education is perceived to be an important factor in human capital formation. In Islam, every Muslim is required to acquire knowledge as much as possible. Knowledge generates wealth. Thus, Islam condemns idleness, inactivity and poverty are condemned. A Muslim should be actively involved in the pursuit of increasing their knowledge and skill to ensure that their life is not of mere subsistence. This paper will look at the perception towards the importance of education among Muslim women. A total of 189 respondents were interviewed from selected kampongs in the district of Papar, Sabah. The data collected was analyzed and reported using descriptive statistics. About 42.4 percent respondents have obtained a diploma and degree level education. From the study, it is found that 78 percent of the total respondents perceived that education is very important. A total of 47.1 percent strongly agreed that education can influence future income. Essentially, a total of 78.8 per cent agreed that higher level of education leads to a higher level of income.Women; Education

Perception towards the Importance of Education among Muslim Women in Papar, Sabah (Malaysia)

Malaysian women have continued to play an increasingly important role in the national development of the country including greater participation in the economy and labor market. These improvements were made possible by the increasing numbers of females having access to education. Education provides better work opportunities and thus increases the level of income of an individual. Therefore education is perceived to be an important factor in human capital formation. In Islam, every Muslim is required to acquire knowledge as much as possible. Knowledge generates wealth. Thus, Islam condemns idleness, inactivity and poverty are condemned. A Muslim should be actively involved in the pursuit of increasing their knowledge and skill to ensure that their life is not of mere subsistence. This paper will look at the perception towards the importance of education among Muslim women. A total of 189 respondents were interviewed from selected kampongs in the district of Papar, Sabah. The data collected was analyzed and reported using descriptive statistics. About 42.4 percent respondents have obtained a diploma and degree level education. From the study, it is found that 78 percent of the total respondents perceived that education is very important. A total of 47.1 percent strongly agreed that education can influence future income. Essentially, a total of 78.8 per cent agreed that higher level of education leads to a higher level of income

Perception towards the Importance of Education among Muslim Women in Papar, Sabah (Malaysia)

Malaysian women have continued to play an increasingly important role in the national development of the country including greater participation in the economy and labor market. These improvements were made possible by the increasing numbers of females having access to education. Education provides better work opportunities and thus increases the level of income of an individual. Therefore education is perceived to be an important factor in human capital formation. In Islam, every Muslim is required to acquire knowledge as much as possible. Knowledge generates wealth. Thus, Islam condemns idleness, inactivity and poverty are condemned. A Muslim should be actively involved in the pursuit of increasing their knowledge and skill to ensure that their life is not of mere subsistence. This paper will look at the perception towards the importance of education among Muslim women. A total of 189 respondents were interviewed from selected kampongs in the district of Papar, Sabah. The data collected was analyzed and reported using descriptive statistics. About 42.4 percent respondents have obtained a diploma and degree level education. From the study, it is found that 78 percent of the total respondents perceived that education is very important. A total of 47.1 percent strongly agreed that education can influence future income. Essentially, a total of 78.8 per cent agreed that higher level of education leads to a higher level of income

Underemployment in Malaysia

The economic growth in Malaysia post-Independence is partly fuelled by the country’s human capital investment. Investment in education is posited to give positive returns to a country’s productivity, gross domestic product (GDP) and economic growth. The increasing level of educational attainment including Malaysia has produced many tertiary-educated workers. However, these workers risk being underemployed due to the inflexibility of the labour market and the lack of adequate jobs. This study provides an insight into the characteristics and trend of underemployment in Malaysia. This paper utilised secondary data obtained from the Department of Statistics Malaysia (DOSM). In general, females suffer more from underemployment than males. Between 2009 and 2014, rural workforce suffers more than urban areas. However, this pattern has reversed since 2015. The data shows that there is inadequate number of high-skilled jobs in the labour market for the increasingly educated workforce in Malaysia

Perception towards the Importance of Education among Muslim Women in Papar, Sabah (Malaysia)

Malaysian women have continued to play an increasingly important role in the national development of the country including greater participation in the economy and labor market. These improvements were made possible by the increasing numbers of females having access to education. Education provides better work opportunities and thus increases the level of income of an individual. Therefore education is perceived to be an important factor in human capital formation. In Islam, every Muslim is required to acquire knowledge as much as possible. Knowledge generates wealth. Thus, Islam condemns idleness, inactivity and poverty are condemned. A Muslim should be actively involved in the pursuit of increasing their knowledge and skill to ensure that their life is not of mere subsistence. This paper will look at the perception towards the importance of education among Muslim women. A total of 189 respondents were interviewed from selected kampongs in the district of Papar, Sabah. The data collected was analyzed and reported using descriptive statistics. About 42.4 percent respondents have obtained a diploma and degree level education. From the study, it is found that 78 percent of the total respondents perceived that education is very important. A total of 47.1 percent strongly agreed that education can influence future income. Essentially, a total of 78.8 per cent agreed that higher level of education leads to a higher level of income

Keprihatinan pengguna islam terhadap barangan halal di Sabah

Industri barangan dan perkhidmatan halal telah berkembang dan kini menarik perhatian masyarakat global. Hasrat kerajaan adalah untuk meletakkan Malaysia sebagai hab halal di rantau Asia Tenggara. Dalam usaha untuk menyokong visi kerajaan, kajian ini akan menyediakan tinjauan awal tentang persepsi pengguna Islam terhadap barangan dan perkhidmatan halal di Kota Kinabalu. Objektif utama kajian ini adalah untuk mengenalpasti tahap keprihatinan pengguna Islam terhadap barangan dan perkhidmatan halal. Responden terdiri daripada pengguna Islam sekitar Kota Kinabalu tanpa mengambilkira tahap umur. Kajian soal selidik telah dijalankan untuk pengumpulan data. Sejumlah 120 responden beragama Islam telah dipilih menggunakan kaedah pensampelan kebarangkalian. Dapatan kajian mendapati bahawa pengguna Islam di Kota Kinabalu mengambil berat tentang logo halal yang dipamerkan dalam produk dan perkhidmatan. Logo' halal adalah sangat penting untuk meningkatkan keyakinan pengguna terhadap produk terutamanya logo yang diiktiraf oleh Jabatan Agama Islam. Ini termasuk logo halal dari negara luar seperti Thailand, Brunei, Indonesia dan Singapura. Selain daripada itu, dapatan juga menunjukkan sumber maklumat seperti internet, media bercetak, pameran, seminar dan ceramah adalah penting untuk meningkatkan tahap keyakinan terdapat produk dan perkhidmatan halal. Kajian ini mencadangkan dalam usaha untuk meningkatkan kesedaran pengguna Islam, pengetahuan tentang halal harus diperkenalkan pada peringkat sekolah. Dalam masa yang sama, pihak yang bertanggungjawab mesti rneningkatkan kecekapan dalam mengeluarkan sijil halal dan dengan menjalankan penguatkuasaan dari masa ke semasa untuk meningkatkan tahap keyakinan di kalangan pengguna Islam terhadap barangan dan perkhidmatan halal

Profile and workers efficiency for Work From Home (WFH) during COVID-19 pandemic among government servant in Sandakan, Sabah

The COVID-19 issue has currently been declared an epidemic phase in Malaysia starting April 1, 2022. However, there are various practices in employment that can still be continued to this day. Among them is Work From Home (WFH) in employment. The COVID- 19 has caused many drastic changes in employment. The MCO has advocated for the implementation of flexible work arrangements that allow employees to WFH as a form of work continuousness in periods of crisis, particularly during COVID-19. WFH is often applicable to employers and employees during the onset of a COVID-19 pandemic. WFH is also one of the smart strategies to limit the spread of the COVID-19 pandemic by minimising physical encounters in the workplace. The primary goal of this study was to determine the association between employee profile or demographic background and WFH efficiency under the COVID- 19 circumstance among public sector employees in Sandakan Division, Sabah. As a methodology, the study uses primary data from a structured questionnaire to describe the association between respondents' profiles and WFH's current work efficiency and used SPSS software to produce a descriptive analysis. The findings revealed that respondent features such as gender, age, marital status, position, area of residence and children may influence opinions on WFH efficiency in Sandakan Division, Sabah during the COVID-19 pandemic. These findings are likely to contribute to previous literature studies on the association between employee profiles and WFH efficiency. Governments and industries should take a variety of steps to encourage employees to achieve high levels of work efficiency during WFH in order to ensure work continuity under the new COVID-19 norm and to undergo a working life after the COVID19 pandemic became an epidemic situation