Purpose
This study aims to investigate whether Islamic morality is considered by Islamic rural banks in credit application assessments.
Design/methodology/approach
To achieve the objective, the authors conduct an exploratory analysis of data gathered through document analysis, focus group discussions and interviews with Islamic rural banks stakeholders. Additionally, the authors conduct a survey to validate the findings.
Findings
The authors find that while Islamic rural banks conduct conventional credit analysis using 5Cs (character, capacity, collateral, capital and conditions), the banks also consider Islamic morality in their credit decisions. They emphasise several indicators such as reputation for keeping promises to customers, to suppliers, to neighbours and the Islamic character (akhlaq) of the credit applicants. Overall, the authors conclude that Islamic rural banks consider Islamic morality in their credit assessments.
Originality/value
To the best of the authors knowledge, this is the first study using a mixed method of quantitative and qualitative approach to investigate how Islamic rural banks assess the credit applications. In particular, this study examines whether Islamic rural banks consider Islamic morality in their credit decisions.
Technological developments have an enormous impact on social and economic life, including the potential adoption of artificial intelligence in the public sector. This research focuses on perceived trustworthiness regarding the potential use of artificial intelligence in the public sector through the perceptions of the Millennial generation and Generation Z. Using a mixed-method through a Likert scale survey combined with open-ended questions, this research finds significant evidence that perceived trustworthiness is influenced by ability, benevolence, and integrity. The results of the open question analysis show that ability perception exists due to the following: perception of expertise in government institutions; benevolence due to the moral aspect to deliver public services; integrity which consists of two contrasting perspectives namely; first, positive feedback of trust toward government integrity, and second, negative feedback in questioning government integrity.
This research examines contagion effect among seven new emerging economy countries around the incerease of U.S. household tax January2, 2013. Using one minutes intraday return as a data. Johansen cointegration test and Granger causality test is used for knowing contagion relation among study period. The result clearly shows that the increase of U.S. household tax causes contagion relationship among the capital markets and strong relationship between short-term capital market studied.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.