The present data from 194 customers of small and medium enterprises (SMEs) is about their acceptance of Islamic microfinance in Kano State, Nigeria. The dataset includes variables such as gender, age, marital status, duration as customer, account operate, annual income, type of business, service quality, perceived value, corporate image and religiosity of customers in Kano State. A survey from March to June 2019, self-administered questionnaires were used for data collection. This data may help scholars to understand how people of Kano State accept Islamic microfinance interacted with service quality, customer perceived value, corporate image and religiosity.
The objective of this study is to develop the constructs in Islamic Unit Trust Investment Decision (IUTID) and examine its determinants. The determinants of Islamic Unit Trust Investment Decision are Islamic Financial Literacy (IFL), Information Sources (IS), Investment Risk (IR), Religiosity (RE) and Product Knowledge (PK). The measurement developed is based on the literature review and has been validated by the construct’s experts, and among Islamic Unit Trust Investors. The validity and reliability test have tested to all the constructs. The data have been analyzing using SPSS. Results of the analysis show that Islamic unit trust investment decision can be measured using ten (10) items of investment selection criteria. The others determinants such as Islamic financial literacy construct consists of seven (7) items, information sources construct consists of ten (10) items, investment risk consists of eight (8) items, religiosity consists of eight (8) items and product knowledge consists of seven (7) items. The variance of the construct shows that information sources have the highest variance followed by investment risk, Islamic financial literacy, religiosity and product knowledge. These instruments can be used by unit trust companies, the authorities of Islamic unit trust (FIMM, SC, BNM) and other banking’s product to understand the behavior of their clients and later, can implement it to the expected new customers.
There are several methods that can be utilized to enhance the productivity of endowment (waqf) assets. These assets can be rented out to interested parties or used for various economic activities such as agriculture and livestock farming. In cases where the above methods are deemed unsuitable, then the Nazir should try to find other alternatives to make the waqf land productive. Endowment (waqf) trustees should also explore other avenues to optimize the usage of endowment land under their care. The establishment of waqf institution in UUM should be develop as alternatives in order to prosper the human capital (students) in their education by using the cash waqf. Cash waqf is a trust fund established with money to support services for mankind’s benefits in the name of Allah. Generally cash waqf has tremendous potential for the development of the human capital because it is liquid assets compared to traditional endowment in the form of fixed assets such as land and buildings. On the other hand the traditional endowment can only be done by rich people. In contrast to the cash waqf which can be implemented by each individual even with a few amounts. However, the acceptance of cash waqf shall be placed under an institution called The Waqf Institutions. Hence the establishment of the institution of waqf in UUM shall be established so that they can help the needy students in financing their education in UUM. This research explores the factors that influence the acceptance of waqf institutions establishment in Universiti Utara Malaysia. Considering the importance of cash waqf in developing waqf institutions and enhances the social economic of ummah. The objective of this paper is to explore the acceptance towards waqf Institution establishment in UUM. The methodology of this research is a quantitative research towards 379 respondents among Muslim students in UUM. All the data are analysed using software of Statistical Package for Social Science (SPSS) by conducting statistical method namely, Independent Samples T-test, Analysis of Variance (ANOVA), Pearson Corellation and Multiple Linear Regression analysis to achieve the objectives of this research. A conceptual framework is built based on Theory Planned Behaviour (TPB) and Technology Acceptance Model (TAM).
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