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PERCEPTION PEOPLE ON ISLAMIC BANKING IN MALAYSIA

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Byy Risa

on 5 September 2013

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Transcript of PERCEPTION PEOPLE ON ISLAMIC BANKING IN MALAYSIA

PERCEPTION PEOPLE ON ISLAMIC BANKING IN MALAYSIA


DRS 2013 : RESEARCH METHODOLOGY

-DR. ARUN KUMAR TAROFDER-

.BACHELOR IN HUMAN CAPITAL MANAGEMENT.

GROUP MEMBERS :-
- AHMAD GHAZALI NEKMAT
- NURUL FARIHATUN BT.NORIZAN
- SITI AFFIFA BT. ARIFFIN
- SITI FATIMAH BINTI MOHAMED
- PUTRI DAYANA BINTI SALLEH
INTRODUCTION



Interest free banking.
Products and services are universally accessible to all individuals of all races and faith who wish to conduct or pursue financial transactions.
All forms of investment must be made on legally and morally approved causes.
HISTORY OF ISLAMIC BANKING
BACKGROUND OF RESEARCH PROBLEM
In order to gain customer's satisfaction and loyalty,it is important for the banks to know the customer,their needs,interest,concerns and their styles,etc.
Islamic banking systems have to increase the number of Islamic banking users which they have to put some effort to get attention from banks user.
PROBLEM STATEMENT

"What are the perceptions of people on Islamic banking ?"
The main challenge : not too intense competitive enviroment in banking sector.
RESEARCH OBJECTIVE
To explore the perception people regarding Islamic banking.
To highlight whether Islamic banks are working strictly in accordance with Shariah compliance.
To find out which Islamic banks do people know of.
To see how many people use Islamic banking and why.
JUSTIFICATION OF RESEARCH
this study will evaluate the performance of Islamic banks in terms of profitability as a whole and also perform additional analysis,comparing them with conventional banks.
Investigate on the perception of people about Islamic banking ; distribute a questionnaire to people.
LITERATURE REVIEW
Islamic banking refers to a system of banking or banking activity that is consistent with the Principles of Islamic Law (Shariah).
Shariah prohibit the practice of giving or accepting additional money that is borrowed.
The types of business must also comply with the principles of Islam.
In Malaysia,all banks that offer Islamic banking must have their own Shariah Advisory Board to ensure that the product and services are consistent with Shariah principles at all times.
The main differences between Islamic and Conventional banking are interest-based business or Usury ; Islam does not allow money to grow purely by charging interest on loans.
Islamic banking serves as a commercial and investment banks as well as an investment trust and investment-management institution.
There is no significant difference in the ranking of Islamic banking attributes as perceived Islamic banks' customers in Malaysia.
METHODOLOGY

RESEARCH DESIGN
Purpose nature of study

:

EXPLORATORY
Time Investigation

:

CORRELATION
Unit of Analysis

:

INDIVIDUAL
Time Horizon

:

CROSS- SECTIONAL
Study Setting

:

FIELD STUDY
Researcher Inteference

:

MINIMUM
DATA COLLECTION
The sampling data will be collected from 100 respondents that consist of the bank users and from the group age between 18 above.
CONCLUSION
REFERENCES
Bank users
Lectures
http://elibrary.ptpl.edu.my:2118/journals.htm?issn=1751-5637&volume=14&issue=2/
Emerald
Journals
Bank users
Lectures
THANK YOU...
According to Mokhtar et.AL (2008),the history of Islamic banking can be traced back to the establishment of Tabung Haji in 1963 ; to encourage the Muslims to save for their pilgrimage.
Sufian (2007) argues that the establishment of Islamic banking in Malaysia was mainly affected by its prior implementation in the Middle East.
Bank Islam Malaysia Berhad (BIMB) become the first Islamic bank in 1983.
What are the perceptions of people on Islamic banking.
The main challenge ; not too intense competitive environment in banking sector.
To explore the perception people on regarding Islamic banking
To highlight whether Islamic banks are working strictly in accordance with Shariah compliance.
To find out which Islamic banks do people know.
To see how many people use Islamic banking and why.
This study will evaluate the performance of Islamic banks in terms of profitability as a whole also perform additional anaylsis , comparing them with conventional banks.
Investigate on the perception of people about the Islamic banking by distributes a questionnaire to people.
RESEARCH DESIGN
Purpose nature of study : EXPLORATORY
Type of investigation : CORRELATION
Unit of analysis : INDIVIDUAL
Time horizon : CROSS-SECTIONAL
Study setting : FIELD STUDY
Researcher interference : MINIMUM

PERSONALLY INTERVIEW
QUESTIONNAIRE
Journals : (www.emeraldinsight.com/‎)
Lecturer
Bank Users
RESEARCH QUESTION
RQ1 : Is there any difference in the perception of the customer about Islamic banking attributes ?
RQ2 : What are the main attributes considered by the Islamic banks' customer when choosing a given Islamic bank?

Measurement variables :

NOMINAL SCALE
INTERVAL SCALE
The main aim of this study was detect the perception people Islamic banking in Malaysia.
Generally Islamic banking are working strictly in accordance with Shariah compliances.
Islamic banking do people know of include the service and quality also understanding the concept of Islamic banking.
Obviously,there have two side perception which is positive and negative respondents likely majority people have chosen Islamic banking because of their religious motivation and knowledgeable about Islamic banking.
This study also include population in Malaysia with different races and religious.
Islamic banking also performs better than the conventional banking in terms of profits , operation efficiency , liquidity and business growth for better in the future.
ISLAMIC BANKING SERVICES :

Wadiah (Safekeeping)
Mudharabah (Profit sharing)
Bai’ Bithaman Ajil – BBA (Deferred payment sale)
Musyarakah (Joint venture)
Ijarah Thumma Bai’ (Hire purchase)
Wakalah (Agency)
Qard (Interest-free loan)
Hibah (Gift)
Islamic banks operating in Malaysia (as of May 2012) :

Affin Islamic Bank Berhad
Al Rajhi Banking & Investment Corporation (Malaysia) Berhad
Alliance Bank Berhad
AmIslamic Bank Berhad
Asian Finance Bank Berhad
Bank Islam Malaysia
Bank Muamalat Malaysia Berhad
CIMB Islamic Bank Berhad
Hong Leong Islamic Bank Berhad
HSBC Amanah Malaysia Berhad
Kuwait Finance House (Malaysia) Berhad
Maybank Islamic Berhad
OCBC Al-amin Bank Berhad
Public Islamic Bank Berhad
RHB Islamic Bank Berhad
Standard Chartered Saadiq Berhad
Philip Gerrard, J. Barton Cunningham, (1997) International Journal of Bank Marketing - found that as their study, 25% of the respondents pointed religion as the first factor to choose an Islamic bank.
Haron et al (1994) who pioneered the research on bank patronage in Malaysia find that almost 100% of Muslims and 75% non-Muslims were aware of the existance of Islamic banks.
Dr. Zeti Akhtar Aziz, the Governor of the Central Bank of Malaysia, in her speech at the Malaysian Banking and Financial Services Summit 2002, Islamic banking in Malaysia is now at the threshold of entering its next stage of development, to expand on a global basis, to gain greater acceptance as an effective and efficient means of intermediation and to contribute to the overall wealth creation.
Erol and El-Bdour (1989), Haron et al. (1994), Gerrard and Cunningham (1997), and Mettawa and Almossawi (1998) in their studies regarding the bank selection criteria shows that in order for the Islamic banks to be competitive in the market, quality of services need to be addressed importantly.
Therefore, the success and survival of the Islamic banks depends on the bankers’ ability to understand customer’s needs and to find effective way to satisfy these needs.
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