Problem statement: The objectives of this study were to determine mean comparison all 6 dimensions between Cooperative Bank (CB) and Islamic Bank of Britain (IBB) in Leicestershire, United Kingdom, to compare the ranking for CB and IBB based on the customers preference and lastly to identify the similarities between CB and IBB based on customer preference. Approach: A sample of retail banking customers from CB and IBB was surveyed through a set of questionnaires. The proposed scale is called SERVQUAL and comprises 33 items named ‘CARTER’ with six dimensions (Compliance, Assurance, Reliability, Tangible, Empathy and Responsiveness), which customized for suitability of CB and IBB. The data was analyzed based on SPSS. Results: The study indicated that the mean comparison for all 6 dimensions were compared and shown that the Compliance issues were very important for IBB customers, while the same cannot be mentioned for the CB customers, who gave more importance to Empathy and Responsiveness. On the other hand, the highest ranked between IBB and CB were found, where the customers of IBB chose No interest paid nor taken on saving and loan as a preferred items and CB customers more preferred to chose Run on ethical value as the highest rank. The results also demonstrated that the similarities were found where almost of the items in Assurance have a similar ranking in both of banks. Conclusion/Recommendations: Future research should be conducted with a big number of respondents to ensure the representative and conclusive finding. Next, the new research needs to increase a number of banks to obtain the good result

This study examines relationship between investment and Mudharabah accounts in Maybank with economic factors. The data used are secondary data from various annual reports of Maybank from 1996 until 2007. The data are analyzed using Correlation and Multiple Regression analysis. The dependent variables studied are total investment and Mudharabh accounts and set of independent variables comprised of gross domestic product (GDP), unemployment rate (UER), income percapita (IPC) and consumer price index (CPI). The main objectives are to identify the relationship between the independent variables and to examine their influence on total deposits of investment and Mudharabah accounts. The results of Correlation showed that there is no relationship between all independent variables. The findings also proved that UER, GDP, IPC and CPI have significant relationships with investment and Mudharabah accounts. Finally, this study confirmed that UER is the most dominant factor that influenced both investment and Mudharabah accounts.

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Luqatah merupakan harta temuan atau harta yang hilang dari pemiliknya dan ditemui oleh orang lain. Ia juga ditakrifkan harta tanpa milik yang dihormati yang ditemui di sesuatu tempat yang tidak sepatutnya disimpan dan si penemunya tidak mengetahui orang yang berhak ke atas harta tersebut. Salah satu dari matlamat syariah (maqasid syariah) adalah menjaga harta terutama harta kepunyaan orang Islam dan harta temuan tidak boleh digunakan atau dimusnahkan begitu sahaja tanpa mematuhi kaedah pengurusan luqatah yang sebenar. Kajian ini memfokuskan kepada peranan yang dilaksanakan oleh Pusat Islam di Institusi Pengajian Tinggi (IPT) dalam mengendalikan harta luqatah. Skop kajian ini melibatkan staf dan pelajar di UiTM Cawangan Kelantan (UiTMCK). Antara kekangan yang dihadapi adalah tiada mekanisma tuntutan harta yang sistematik dan selaras. Selain itu, permasalahan yang dihadapi adalah tiada mekanisma bagi kaedah pengurusan dan pelupusan yang jelas. Oleh yang demikian, matlamat kajian ini adalah untuk memantapkan pengurusan harta luqatah, mengenalpasti kaedah bagi menyelesaikan masalah harta luqatah yang tidak dituntut dan cara pemulangan harta luqatah kepada pemilik. Kaedah yang digunakan dalam penulisan ini adalah kajian keperpustakaan, temubual bagi mendapatkan data kajian, serta pemerhatian. Soal selidik juga diedarkan kepada responden bagi mengukur tahap kepuasan warga kampus terhadap proses pengendalian harta luqatah. Kajian ini dapat menghasilkan satu piawaian baru yang lebih sistematik dalam menyelesaikan isu pengendalian harta luqatah, selaras dengan ketetapan hukum syarak di IPT Keywords: Luqatah; Muamalat; Pengurusan Harta; Perundangan Islam