The Journal of Muamalat and Islamic Finance Research最新文献

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Analisis Tematik Pandangan Hukum Muamalat Jawatankuasa Muzakarah MKI Sepanjang Hampir Lima Dasawarsa 对人民圣战运动穆扎卡拉委员会近五十年来的穆阿马拉特法律观点的专题分析
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-12-01 DOI: 10.33102/jmifr.523
A. Hussain, Muhamad Zuhaili Saiman, Mohd Kamil Ahmad, Shukri Yahya
{"title":"Analisis Tematik Pandangan Hukum Muamalat Jawatankuasa Muzakarah MKI Sepanjang Hampir Lima Dasawarsa","authors":"A. Hussain, Muhamad Zuhaili Saiman, Mohd Kamil Ahmad, Shukri Yahya","doi":"10.33102/jmifr.523","DOIUrl":"https://doi.org/10.33102/jmifr.523","url":null,"abstract":"Kajian ini mengetengahkan analisis tematik terhadap pandangan hukum yang dikeluarkan oleh Jawatankuasa Muzakarah Majlis Kebangsaan Bagi Hal Ehwal Agama Islam Malaysia (MKI) dalam bidang muamalat. Skop tempoh pandangan hukum dianalisis bermula dari tahun 1971 hingga 2020, iaitu sepanjang tempoh 49 tahun. Analisis pandangan hukum dipersembahkan berdasarkan tema dan isu meliputi zakat, wakaf, emas, pewarisan, KWSP, pelaburan, pinjaman, perbankan, insurans dan takaful, tabung haji, pajakan dan baitulmal. Sumber data kajian antaranya diperolehi daripada buku Kompilasi Pandangan Hukum Jawatankuasa Muzakarah Majlis Kebangsaan Bagi Hal Ehwal Agama Islam Malaysia (MKI) edisi ketujuh yang telah diterbitkan oleh Jabatan Kemajuan Islam Malaysia (JAKIM) pada tahun 2021. Reka bentuk kajian berbentuk kualitatif dihuraikan secara analisis deskriptif berpandukan tema menggunakan metode induktif, deduktif dan komparatif. Dapatan kajian menemui empat aspek utama yang boleh dikemukakan sebagai analisis tematik iaitu; [i] Pendalilan dan keterangan penghujahan; [ii] Metodologi dan bahan rujukan; [iii] Pertentangan fatwa, dan; [iv] Sulit dan rahsia. Di akhir perbincangan, kajian ini mengesyorkan beberapa cadangan pemantapan terhadap pandangan hukum muamalat seperti aspek persembahan kandungan jawapan pandangan hukum serta deklarasi dan hebahannya.\u0000This study highlights the thematic analysis of the legal views issued by the Muzakarah Committee of the National Council for Islamic Religious Affairs of Malaysia (MKI) in the field of muamalat. The scope of the period of legal opinion analysed starts from 1971 to 2020, which is a period of 49 years. Analysis of legal views is presented based on themes and issues covering zakat, waqf, gold, inheritance, EPF, investment, loans, banking, insurance and takaful, Hajj fund, leasing and Baitulmal. The data source for the study was obtained from the seventh edition of the book Compilation of Legal Views of the Muzakarah Committee of the National Council for Islamic Religious Affairs of Malaysia (MKI) which was published by the Malaysian Islamic Development Department (JAKIM) in 2021. The design of the qualitative study was described in a descriptive analysis based on themes using inductive, deductive and comparative methods. The findings of the study found four main aspects that can be presented as a thematic analysis, namely; [i] Argument and evidence of argumentation; [ii] Methodology and reference materials; [iii] Fatwa opposition, and; [iv] Confidential and secrecy. At the end of the discussion, this study recommends several suggestions for strengthening the legal view of muamalat such as the aspect of presenting the content of the answer based on legal view as well as its declaration and publication.\u0000Keywords: Thematic analysis, muamalat legal view, MKI Muzakarah Committee","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":" 29","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138617302","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Penalties For Cancelling Locked Gold Purchase Orders in Online Trading 在线交易中取消锁定黄金购买订单的处罚
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-12-01 DOI: 10.33102/jmifr.519
Muhamad Zuhaili Saiman, Abdul Azib Hussain
{"title":"Penalties For Cancelling Locked Gold Purchase Orders in Online Trading","authors":"Muhamad Zuhaili Saiman, Abdul Azib Hussain","doi":"10.33102/jmifr.519","DOIUrl":"https://doi.org/10.33102/jmifr.519","url":null,"abstract":"Lock price gold transactions are becoming increasingly popular among gold buyers because buying gold is easier online. The lock price method gives the buyer a 24-hour period to make a payment with a price that has been locked without changing the value during that period. The lock price method is based on the concept of wa'd that is allowed, which is just a promise, not a sales contract. The problem is when the seller or company sets a fine for the buyer who cancels the transaction such as 5% of the lock price gold price. The setting of the fine makes binding between the seller and the buyer as if there had been a deferred sales contract which is not allowed in transactions involving usury (ribawi) items. This study aims to analyze Shariah law regarding the setting of the fine, which makes the concept of wa'd, which was originally just a promise to the binding process that forms a deferred sales contract. The design of this study is qualitative through a literature review with content analysis and documents from secondary sources such as theses, journals, and academic articles related to the issue of research. At the end of the discussion, this paper recommends some suggestions for improvement in the shariah issues that occur in gold transactions related to the lock price method based on the formation of the proposed guidelines.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"176 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139017463","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Muslims’ Motivation to Patronize Wasiyyah (Islamic will) services: Does religiosity acts as a moderator in the relationships? 穆斯林光顾 Wasiyyah(伊斯兰遗嘱)服务的动机:宗教信仰在两者关系中起调节作用吗?
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-12-01 DOI: 10.33102/jmifr.512
Amalina Mursidi, Nur I'ffah Muhammad Nasir, Siti Salwani Razali, Suharni Maulan
{"title":"Muslims’ Motivation to Patronize Wasiyyah (Islamic will) services: Does religiosity acts as a moderator in the relationships?","authors":"Amalina Mursidi, Nur I'ffah Muhammad Nasir, Siti Salwani Razali, Suharni Maulan","doi":"10.33102/jmifr.512","DOIUrl":"https://doi.org/10.33102/jmifr.512","url":null,"abstract":"Frozen assets in the country may be alleviated via wasiyyah services, which has long been considered a possible solution in Malaysia. However, despite the relevance of wasiyyah services in Malaysia, the penetration rate remains low. Self-determination and satisfaction in patronizing wasiyyah services are the focus of this research. There was also an investigation into how religiosity moderates the relationship between self-determination and satisfaction. The research framework consists of 8 hypotheses that predict four direct relationships and four moderation effects. The model used the principle of self-determination to explain the relationships. This research focuses on Muslim consumers in Malaysia who have already patronized wasiyyahservices. The data was gathered using an online survey, and 180 valid data were used to validate the study model. Data analysis was conducted using SPSS v27 and SmartPLS 4.0. The results stated that SDT constructs which are autonomy and relatedness have significant and positive and influence over satisfaction in patronizing wasiyyah services. However, competence did not have positive and significant influence over satisfaction. Furthermore, no moderation effect of religiosity could be found in this study. Findings suggest that religiosity has not moderated the relationship between SDT constructs and satisfaction. It is intended that this research can provide insights for industry players to enhance and develop sustainable marketing strategies to entice more Muslims to utilize the wasiyyah services, which might ultimately help in resolving the frozen asset problems.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"107 44","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138607988","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Impact Of Islamic Financing Products On Islamic Banks Profitability: Case Of Al Rayan Bank (Qatar) 伊斯兰融资产品对伊斯兰银行盈利能力的影响:Al Rayan 银行(卡塔尔)案例
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-12-01 DOI: 10.33102/jmifr.522
Larabi Moustapha, Troubia Nadir
{"title":"The Impact Of Islamic Financing Products On Islamic Banks Profitability: Case Of Al Rayan Bank (Qatar)","authors":"Larabi Moustapha, Troubia Nadir","doi":"10.33102/jmifr.522","DOIUrl":"https://doi.org/10.33102/jmifr.522","url":null,"abstract":"This study aims to determine the effect of islamic financing products   on Islamic banks profitability of Al Rayan Islamic Bank. This research uses Quarterly data of Al Rayan Bank for 2011Q1-2023Q1.The variables used in this study are independent variables, Musharaka, Murabaha, Istisna’a and Ijarah financing. While the dependent variable is, the Islamic bank's profitability measured by (ROE).The study used ARDL Model to analyze the short and long-term relationships between variables. Data collected were analyzed by using EViews10 software. ARDL bounds test findings shown that there is a cointegration relationship between bank profitability and Islamic financing Products variables in the long run. The results of the long-run analysis show that Musharaka financing has a positive and significant effect on ROE at the 5% level. Murabaha financing has a negative and significant effect on ROE. Meanwhile, the Istisna’a and Ijarah variables have no significant effect on ROE. The short run dynamics show that there is a negative and significant effect of Murabaha and Ijarah financing on the profitability of the Islamic bank, while lagged value of Murabaha LMUR(-1) has a positive and significant effect on the profitability index of the Islamic bank. Simultaneously, there is no relationship and effect of Musharaka and Istisna’a on the profitability of the Islamic bank in the short term","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":" 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138617158","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Disclosure of Zakat by Islamic Banks (IBs) and Development Financial Institutions (DFIs) in Malaysia 马来西亚伊斯兰银行(ib)和发展金融机构(dfi)披露天课
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-07-15 DOI: 10.33102/jmifr.505
Norhazlina Ibrahim, Sutina Mahmod
{"title":"The Disclosure of Zakat by Islamic Banks (IBs) and Development Financial Institutions (DFIs) in Malaysia","authors":"Norhazlina Ibrahim, Sutina Mahmod","doi":"10.33102/jmifr.505","DOIUrl":"https://doi.org/10.33102/jmifr.505","url":null,"abstract":"As an Islamic finance institution, the transparent disclosure of zakat payment to stakeholders is one of the ways in which the organization demonstrates Islamic ethical value and accountability through business transaction. The effective, translucent, and timely reporting to the stakeholders (i.e., the public, regulators, investors, and others) is critical to the economic decision-making process as well as equitable distribution of resources to the society. Despite the various variations in zakat disclosure, less attention is given to the disclosure practices on zakat information by Islamic banks (IBs) and Development Financial Institutions (DFIs). Therefore, this study aims to examine firstly, the zakat disclosure requirements by regulations and then the zakat disclosure for all IBs and DFIs in Malaysia. This study adopted content analysis on the financial statement, annual report, annual integrated report, and annual sustainability report for the 2019 financial year. The whole population of 16 IBs and six DFIs were selected. This study found inconsistency in zakat disclosure of the different banks and other zakat-related practical issues in the descriptive analysis. The inconsistency varies from the method, rates, policy, and terminology used. Additionally, further embellishment on the non-financial information of zakat is also vital to demonstrate accountability to the general public.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"80 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129008228","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Konsep Mata Wang Menurut Syariah Dan Hubungannya Dengan Mata Wang Kripto
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-06-15 DOI: 10.33102/jmifr.496
Suffian Haqiem Nor Azelan, Asmak Ab Rahman, Mohd Shahid Bin Mohd Noh
{"title":"Konsep Mata Wang Menurut Syariah Dan Hubungannya Dengan Mata Wang Kripto","authors":"Suffian Haqiem Nor Azelan, Asmak Ab Rahman, Mohd Shahid Bin Mohd Noh","doi":"10.33102/jmifr.496","DOIUrl":"https://doi.org/10.33102/jmifr.496","url":null,"abstract":"Kajian ini bertujuan untuk membincangkan konsep mata wang dari perspektif syariah dan hubungannya dengan mata wang kripto. Pendekatan kajian kualitatif digunakan untuk penyelidikan ini. Data-data dikumpulkan daripada beberapa sumber seperti buku, artikel jurnal, laporan, kertas persidangan dan laman sesawang. Data-data yang diperoleh dianalisis melalui pendekatan penyelidikan penjelasan dan analisis kandungan dengan membawakan pendapat ulama dan hujah mereka tentang perkara yang dibincangkan. Dapatan kajian ini menunjukkan bahawa syariah telah menggariskan syarat-syarat dan ciri-ciri tertentu untuk sesuatu itu dianggap sebagai mata wang. Dalam hal berkaitan mata wang kripto, pandangan syariah adalah berbeza-beza berdasarkan jenis-jenis mata wang kripto dan sama ada mata wang kripto memenuhi syarat untuk dianggap sebagai mata wang ataupun sebagai aset. Di samping itu, penggunaan mata wang kripto mestilah terhindar daripada perkara yang haram di sisi syarak seperti riba (faedah), gharar (ketidakpastian) dan maysir (judi) sama ada ianya dilihat sebagai mata wang ataupun aset. Menurut perspektif Islam, mata wang perlu memenuhi ciri-ciri sebagai harta (mal) yang sah di sisi Islam (mutaqawwim) serta mempunyai nilai monetari (thamaniyyah). Fungsi utama mata wang menurut Islam adalah sebagai medium pertukaran, pengukur nilai dan penyimpan nilai. Tambahan pula, syariah tidak mengehadkan mata wang kepada dirham dan dinar semata-mata. Sehubungan itu, mata wang kripto boleh dianggap sebagai alternatif kepada mata wang semasa dalam bentuk digital. Hal ini boleh menggalakkan inovasi sistem kewangan kepada sistem digital sepenuhnya sekali gus menjadikan sistem kewangan lebih pesat berdasarkan potensi yang ditawarkan sistem kewangan digital. Kajian ini boleh memberi manfaat kepada penggubal dasar dalam merangka serta mengeluarkan garis panduan dan dokumen dasar baharu berkaitan kajian yang dilakukan. Selain itu, ia juga mungkin menarik minat pihak industri, para pengguna dan pelabur mata wang kripto untuk mempunyai pemahaman yang lebih mendalam tentang mata wang kripto daripada pandangan syariah.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130529042","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Is religion important in predicting attitude and intention towards adopting Islamic banking? Evidence from Mauritania 宗教在预测人们对采用伊斯兰银行的态度和意图方面重要吗?来自毛里塔尼亚的证据
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-06-01 DOI: 10.33102/jmifr.440
M. Sidi, Salina Kassim
{"title":"Is religion important in predicting attitude and intention towards adopting Islamic banking? Evidence from Mauritania","authors":"M. Sidi, Salina Kassim","doi":"10.33102/jmifr.440","DOIUrl":"https://doi.org/10.33102/jmifr.440","url":null,"abstract":"This study aims to explore the influence of religion on attitude and intention of individuals towards adopting Islamic banking in Mauritania. Mauritania is one of the countries with 100 percent Muslim population, and 31% of this populace is under the international poverty line. Moreover, the Mauritanian financial system is a bank-based system that is still functioning under financial conventional law. Thus, it is imperative to explore the potential avenue for Islamic banking, which is still in its infancy stage. In efforts to explore the role of religion and factors influencing the intention towards adopting Islamic banking in Mauritania, a data of 583 Mauritanian households were successfully collected through self-administered questionnaires based on random sampling method. The Theory of Planned Behaviour (TPB) is adopted to determine the effect of religion on attitude as well as predictors of intention towards adopting Islamic banking. The results from the Structural Equation Modeling analysis using AMOS show that religion factor was found to be significantly influencing attitude and intention. Further, the results indicate that the attitude, perceived behavioural control and subjective norms are proved to have significant impacts on households’ intention towards adoption. The findings of this study afford valuable insights into designing effective strategies to adopt and develop the Islamic banking system in Mauritania.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125805845","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The viability of Islamic estate planning in Malaysian Muslim market: A bibliometric analysis indexed by Scopus from 2015 to 2021 马来西亚穆斯林市场中伊斯兰遗产规划的可行性:2015年至2021年Scopus索引的文献计量分析
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-06-01 DOI: 10.33102/jmifr.436
Muhamad Mu'izz Abdullah, N. Nasir, N. Habidin
{"title":"The viability of Islamic estate planning in Malaysian Muslim market: A bibliometric analysis indexed by Scopus from 2015 to 2021","authors":"Muhamad Mu'izz Abdullah, N. Nasir, N. Habidin","doi":"10.33102/jmifr.436","DOIUrl":"https://doi.org/10.33102/jmifr.436","url":null,"abstract":"The growing number of published articles indexed in a database such as Scopus suggests the increasing number of high-quality research and current interests that are relevant to a particular discourse. However, bibliometric studies identified that the pattern of journal articles published on Islamic estate planning in relation to Malaysian Muslim market in the Scopus database are still limited and given less attention. Therefore, this study seeks to identify the pattern of the published articles that have been indexed by Scopus specifically on Islamic estate planning instruments such as waqf, takaful, Islamic inheritance (farāid), gifts, trust, and will. This article is based on bibliometric analysis and focuses on all Islamic estate planning instruments in Islam. The data obtained from the Scopus database are then analysed thematically using ATLAS.ti 8 and VOSviewer software. The bibliometric analysis found 397 publications from Malaysia, which encompass articles, proceedings, book chapters, and book series. Nonetheless, there are only 324 relevant articles that had been analysed to establish the theme of the study. Meanwhile, the waqf instrument has become the most popular topic debated among researchers from Malaysia. All the articles are obtained from the Scopus database only by using keywords related to the instruments of Islamic estate planning. This study only focuses on Malaysian affiliates for 7 years, from 2015 to 2021. Therefore, more studies need to be done with any other indexing and high-quality research databases such as Web of Science (WoS) and related Islamic estate planning and marketing articles to achieve a better and more comprehensive analysis of research publications. In conclusion, this study provides a better information thematically through the frequency of publication by instruments, frequency of publication year, number of authors, language, publication format, list of journals, affiliation, and types of collaboration. This guideline is useful for researchers carrying out research on Islamic estate planning in the realm of Islamic marketing indexed in Scopus. In fact, the important result of this study will provide insightful bibliometric analysis and assist in identifying current interest in Islamic estate planning instruments with special reference to the Malaysian Muslim consumers' context.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114669359","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Predicting intention to use QR code mobile payment among Malaysian Muslim millennials 预测马来西亚穆斯林千禧一代使用二维码移动支付的意向
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-06-01 DOI: 10.33102/jmifr.481
Wan Rasyidah, N. Wan, Syabil Nazhan, Ahd.Moess
{"title":"Predicting intention to use QR code mobile payment among Malaysian Muslim millennials","authors":"Wan Rasyidah, N. Wan, Syabil Nazhan, Ahd.Moess","doi":"10.33102/jmifr.481","DOIUrl":"https://doi.org/10.33102/jmifr.481","url":null,"abstract":"Financial transactions in the digital age have shifted from traditional to digital systems. With the proliferation of smartphones and the internet, cashless payments via smartphone or mobile payment system are becoming more popular. Quick Response (QR) code mobile payment is one of the cashless payment options available today. Using the extended theory of Technology Acceptance Model (TAM), this study investigates the intention of Malaysian Muslim millennials to opt for QR code mobile payment. The study was conducted as a cross-sectional study with a convenience sample. Data was collected through a questionnaire distributed via Google forms on various social media applications. Multiple linear regression analysis was used to analyse the data. The results showed that perceived usefulness, perceived risk, hedonic motivation, and performance expectancy have a significant influence on the intention of Malaysian Muslim millennials to use QR code mobile payment as a payment method. Perceived ease of use and social influence, on the other hand, were not predictors of intention to use QR code mobile payment. This study contributes to filling the gap in the literature on technology acceptance, digital payments, and consumer behaviour. At the same time, this study can serve as a basis for QR code developers and retailers to better understand and serve their customers, and for the government to integrate more QR code applications into many government-provided services.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125045922","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Ensuring the sustainability of sadaqah based crowdfunding platforms: The role of gamification and user experience 确保基于sadaqah的众筹平台的可持续性:游戏化和用户体验的作用
The Journal of Muamalat and Islamic Finance Research Pub Date : 2023-06-01 DOI: 10.33102/jmifr.475
Nur Aqilah Hazirah Mohd Anim, Suhaida Herni Suffarruddin, Najwa Mohd Najib, Nur Adyani Sabarudin
{"title":"Ensuring the sustainability of sadaqah based crowdfunding platforms: The role of gamification and user experience","authors":"Nur Aqilah Hazirah Mohd Anim, Suhaida Herni Suffarruddin, Najwa Mohd Najib, Nur Adyani Sabarudin","doi":"10.33102/jmifr.475","DOIUrl":"https://doi.org/10.33102/jmifr.475","url":null,"abstract":"The inception of technology in the financial world has spawned many innovative financial activities, including crowdfunding. Since the emergence of crowdfunding, fundraising activities have flourished, enabling the implementation of many innovative projects and businesses, including agricultural projects. However, it is a major challenge for a crowdfunding platform to maintain the flow of donations. Most crowdfunding platforms lose half of their donors after their first donation. Therefore, this study proposes the use of gamification to increase and maintain individuals' donations on a crowdfunding platform. In addition, this study also examines the role of user experience as a mediating variable between gamification and donor intention on the crowdfunding platform. Data for this research were collected through a survey using a structured, self-administered questionnaire and involving 148 Muslim donors. Hypothesis testing revealed that gamification positively influences user experience, but not donation intention on a crowdfunding platform. Meanwhile, user experience successfully plays a mediating role. Thus, the results lead to a discussion on the justification of using gamification and suggestions for future research.","PeriodicalId":350106,"journal":{"name":"The Journal of Muamalat and Islamic Finance Research","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128811566","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
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