Understanding the importance of biodiversity and conservation and its symbiotic relation with mankind based on international and national legal setting / Mohamad Sabri Yusof

The livelihood of mankind, this generation and the other generation to come is interdependent on how we appreciate and approach the environment and the many abundance pool of biodiversity around the globe. Mankind must acknowledge the problem that was created due to the over exploitation of the earth biodiversity for commercial short term benefit; and try our very best to ratify our mistake through a regime of positive action that are more sustainable in nature. Concerted measures must be taken by all state actors to implement agreed international environmental law and policy at both global and national level

Semai children in Cameron Highland and understanding the indigenous childrens rights in the International Legal Setting / Mohamad Sabri Yusof

Adults and parents perceives that under the law they are having full authority to decide what is best for the children without realizing that the children themselves have also rights to decide what is best for them. The same perception appears in the family circle of the Semai and other indigenous people in general. This paper tries to bring adult and parents alike to come to terms some of the minimum rights provided to the children around the world including the indigenous children under International Law so that one are not caught unaware and help secure the very basic needs of children of today

Age differences on the intention to save in a voluntary retirement fund

The Theory of Planned Behaviour (TPB) posited that an individual’s intention of performing a behaviour depends on their attitude, subjective norm and the perceived behavioural control (PBC). Employing the theoretical construct of the TPB, this study aims to investigate if age moderatesthe effect of attitude, subjective norms and perceived behavioural control towards saving intention in the voluntary retirement fund in Malaysia. A quantitative approach was adopted with data collected through a nationwide self-administered questionnaire. Through a multistage proportionate stratified sampling, 384 response was collected. The multi-group permutation results confirm the differences between age groups regarding subjective norms towards the intention to save in a voluntary retirement fund in Malaysia. In the concluding remark, the implication of the study and an avenue for future research in voluntary retirement saving domain is discussed

Determinants of retirement savings

Global demographic changes and retirement savings adequacy have emphasised on voluntary pension as a new paradigm for the retirement system. This has led to many types of research pertaining to the development of the private retirement system. The effort was followed by making the mandatory Second Pillar and voluntary Third Pillar of the social security system as more financially sound and important. This is to encourage contributors to the retirement fund to switch focus from a less generous pension-guaranteed-defined benefit system to a more individualistic-defined contribution plan. This review article collected, compiled, and reviewed selected articles on the determinants of retirement savings and planning. It was sourced from several electronic databases in an attempt to group the determinants into different categories. The input from the reviews was then categorised into economics, socioeconomics, and non-economics sub-categorical behavioural, psychological, and demographic determinants and its application, as reported in researches pertaining to retirement savings and planning of the near decade. Some suggestions were made in light of the analysis

The role of perceived behavioural control as mediator on financial incentives towards saving in a voluntary retirement fund / Radduan Yusof … [et al.]

The purpose of the mediation analysis is to investigate how perceived behavioural control mediates the relationship between the cash and tax incentives towards the intention to save in a voluntary retirement fund. A quantitative approach was adopted analysing 384 responses collected through a nationwide multistage proportionate cluster sampling. A nonparametric sampling procedure using bootstrapping following the Preacher and Hayes technique in mediating analysis were employed. The specific indirect effect from the bootstrapping result concluded that tax incentives influence the saving intention via perceived behavioural control, in contrast to cash incentives which is not significant. Predicting a person’s intention to save in a voluntary retirement fund is an important issue, and the findings of this study would have practical implications on policymakers and commercial marketers alike, as it would help to encourage retirement savings through voluntary funds to prevent financial insufficiency in the golden age

[Strategy of Tahfiz Al-Quran Excellence in Malaysia: A Literature Survey] Strategi Kecemerlangan Institusi Pendidikan Tahfiz Al-Quran Di Malaysia : Satu Tinjauan Literatur

Until the year of 2014, about 13 units of State Tahfiz Al-Quran Institution (MTQN) offer a Diploma in Tahfiz Darul Quran, Department of Islamic Development Malaysia (JAKIM). Through this program, all students are able to obtain the Diploma in  Tahfiz Darul Quran offered by each MTQN. This article discusses the background of the development of Tahfiz Al-Quran Institution in Malaysia. The objective of this article is to review the strategies for tahfiz institution excellence in Malaysia. This is a qualitative research that uses the approach of literature research. The study had found that the excellence among the students in MTNP increased significantly. This is because MTNP has implemented various strategies of excellence that has been drawn up by its Executive Director. Therefore, these strategies need to be studied and applied by other MTQN in order to strengthen MTQN excellence in Malaysia.   Keywords: strategies, excellence, administration, education, tahfiz.    Sehingga tahun 2014, sebanyak 13 buah Maahad Tahfiz al-Quran negeri (MTQN) menawarkan program diploma tahfiz Darul Quran, Jabatan Kemajuan Islam Malaysia (JAKIM). Melalui program ini, semua pelajar di setiap MTQN boleh memperoleh diploma tahfiz Darul Quran. Artikel ini membahaskan isu kecemerlangan institusi pendidikan tahfiz di Malaysia. Objektif kajian ini adalah untuk mengkaji strategi kecemerlangan institusi pendidikan tahfiz di Malaysia. Kajian ini berbentuk kualitatif dengan mengambil pendekatan kajian kepustakaan. Hasil sorotan literatur ini mendapati bahawa peranan pentadbir, proses pengajaran dan pembelajaran dan strategi kecemerlangan di institusi pendidikan tahfiz yang cemerlang perlu diperhalusi. Hal ini penting untuk dijadikan garis panduan kepada institusi pendidikan tahfiz di Malaysia bagi memperkasakan kecemerlangan pelajar diploma tahfiz al-Quran.   Kata kunci:  strategi, kecemerlangan, pentadbir, pendidikan, tahfiz

Performance analysis on secured data method in natural language steganography

The rapid amount of exchange information that causes the expansion of the internet during the last decade has motivated that a research in this field.  Recently, steganography approaches have received an unexpected attention. Hence, the aim of this paper is to review different performance metric; covering the decoding, decrypting and extracting performance metric. The process of data decoding interprets the received hidden message into a code word. As such, data encryption is the best way to provide a secure communication. Decrypting take an encrypted text and converting it back into an original text. Data extracting is a process which is the reverse of the data embedding process. The effectiveness evaluation is mainly determined by the performance metric aspect. The intention of researchers is to improve performance metric characteristics. The evaluation success is mainly determined by the performance analysis aspect.  The objective of this paper is to present a review on the study of steganography in natural language based on the criteria of the performance analysis. The findings review will clarify the preferred performance metric aspects used. This review is hoped to help future research in evaluating the performance analysis of natural language in general and the proposed secured data revealed on natural language steganography in specific

Predicting debt burden status among Malaysia civil servants / Mohamad Fazli Sabri ... [et al.]

The pressure of high inflation rate and increased cost of living has invoked the concerns over the problem of debt among civil servants in Malaysia. This paper aims to investigate the determinants of debt burden status within a civil servants’ sample. Questionnaires were distributed using a multi-stage random sampling method. A total of 600 responses were collected. Results from logistic regression showed several significant predictors of debt burden status, namely savings to income ratio, financial status, and income adequacy. This study outlined the predictors of debt burden status among Malaysian civil servants, providing civil servants with some ideas to counter debt issues which have been prevalent for a long time

The role of perceived behavioural control as mediator on financial Incentives towards saving in a voluntary retirement fund

The purpose of the mediation analysis is to investigate how perceived behavioural control mediates the relationship between the cash and tax incentives towards the intention to save in a voluntary retirement fund. A quantitative approach was adopted analysing 384 responses collected through a nationwide multistage proportionate cluster sampling. A nonparametric sampling procedure using bootstrapping following the Preacher and Hayes technique in mediating analysis were employed. The specific indirect effect from the bootstrapping result concluded that tax incentives influence the saving intention via perceived behavioural control, in contrast to cash incentives which is not significant. Predicting a person’s intention to save in a voluntary retirement fund is an important issue, and the findings of this study would have practical implications on policy makers and commercial marketers alike, as it would help to encourage retirement savings through voluntary funds to prevent financial insufficiency in the golden age

Post Keynesian theory and evidence of money supply endogeneity: a review essay

Money is the life-blood of any modern market-oriented economy.The level of money supply - the quantity and velocity of money circulated in such an economy would determine its health. The central issue in managing the economy is to understand how money supply is determined.The history of modern monetary economics actually has witnessed the emergence of two opposing views pertaining to the role of central bank in controlling the supply of money in an economy.A group of economists, known as monetarists, under the influence of Milton Friedman, contended that money supply in an economy is exogenously determined. Post Keynesian however holds the view that money supply is endogenously rather than exogenously determined. Examining the theory of endogenous money as well as empirical work, the present paper has found that money supply in several countries is endogenously determined