Amin, Hanudin
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Predictors of Young People’s Career Intentions as Islamic Bankers Amin, Hanudin
International Journal of Islamic Economics and Finance (IJIEF) Vol 3, No 2 (2020): IJIEF Vol 3 (2), July 2020
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (147.503 KB) | DOI: 10.18196/ijief.3225

Abstract

Understanding the willingness of university students pursuing their career as Islamic bankers has proven to be one of the most challenging research topics in the Islamic banking field. This study examines the factors affecting the career intentions as Islamic bankers among university students in Malaysia. Drawing upon Decomposed Theory of Planned Behavior (DTPB), this study examined the factors determining the students' willingness to become Islamic bankers as their future job. Our analysis is based on the 350 respondents involved. Results obtained show that all factors are examined were instrumental in determining the career intentions as Islamic bankers. Our findings should be interpreted with caution. We identified two limitations, first is on the use of the university students as proxies and second our data which was confined to Islamic finance program whilst neglecting other students from business and finance disciplines. The results help improve the role of bank managers to provide proper packages of training to improve the students’ confident to become future Islamic bankers. Besides, this study extends the DTPB’s applicability to include career intentions as Islamic bankers in a Malaysia context.
Understanding Consumer Receptiveness of Mortgage-Based Islamic Social Finance Using a Maqasid Framework: A Preliminary Study Amin, Hanudin
International Journal of Islamic Economics and Finance (IJIEF) Vol 2, No 1 (2019): IJIEF Vol 2 (1), July 2019
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (366.154 KB) | DOI: 10.18196/ijief.2115

Abstract

This study proposes a workable model of the mortgage-based Islamic social finance (MBISF) and to test the model acceptance using a maqasid framework empirically. Three battery items are intended to measure each latent variable. As for independent variables, the latent variables are an educational programme, mortgage welfare, consumer justice and Islamic debt policy, whilst as for a dependent variable, the latent variable is consumer receptiveness.Using Structural Equation Modelling (SEM) – Partial Least Squares or SEM-PLS, this study finds out that educational programme, mortgage welfare, consumer justice and Islamic debt policy are instrumental to lead the consumer receptiveness of MBISF. These results suggest that the elements of maqasid al-Shariah (education, welfare, justice and debt policy) are significant to consumer receptiveness of MBISF.The relationships established are then called as The Maqasid Theory of Consumer Behaviour (MTCB).Though the present work produced a fruitful outcome, yet the generalisation of the findings is somewhat limited and the application of the theory used in consumer behaviour is relatively fallen short or even unpopular in the conventional thinking. The results obtained provide better planning for Islamic banks to market their mortgages effectively.
Maqasid-based Consumer Preference Index for Tawarruq Personal Financing (TPF) Amin, Hanudin; Suhartanto, Dwi; Ghazali, Mohd Fahmi; Ali, Muhammad; Rizal, Hamid; Abdul Razak, Dzuljastri
International Journal of Islamic Economics and Finance (IJIEF) Vol 5, No 1 (2022): IJIEF Vol 5 (1), January 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (537.064 KB) | DOI: 10.18196/ijief.v5i1.11823

Abstract

Relatively, maqasid al-Shariah is a missing dimension element in the available tawarruq personal financing, resulting in a convergence of this facility and its traditional counterpart. This work examines the consumer preference of tawarruq personal financing using the maqasid-based consumer preference index (MCPi). Drawing upon the MCPi, the present study examines consumer preference on the offered Tawarruq personal financing by 7 Islamic banks in Malaysia based on valid 456 usable questionnaires. The primary findings obtained indicate that all banks somewhat have a moderate MCPi. These include Bank Islam Malaysia Berhad (BIMB), Bank Muamalat Malaysia Berhad (BMMB), Maybank Islamic, CIMB Islamic, RHB Islamic, Kuwait Finance House and Al-Rajhi Bank. This study examines a new approach to measure consumer preference using the MCPi. Our contributions are confined to these particular variables – Educating Customer, Establishing Justice and Promoting Welfare. Our study also limits its perspective on the general context of tawarruq personal financing. Future works may provide different perspectives on these interrogations. This study provides a new index for Islamic banks to manage tawarruq personal financing products according to maqasid al-Shariah effectively. This study introduces a new measure of consumer preference of tawarruq personal financing namely the MCPi in the context of Malaysia.