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Abstract-The paper aims at providing insights into how three dimensions of market orientation namely; customer orientation, competitor orientation and inter-function coordination affect the financial performance of Amanah Ikhtiar Malaysia (AIM) as the oldest microfinance institution in South East Asia. Using a cross sectional survey, Partial Least Squares (PLS) as a variance-based structural equation modeling (SEM), the current study examines the AIM's accountability on market orientation in financial sustainability. The results provided empirical evidences that indicate customer orientation and inter-function coordination significantly affect financial performance of AIM. Nevertheless, competitor orientation has a negative and insignificant effect on sustainable financial performance of AIM. The result of the paper enhanced further the literature in understanding the long-term sustainable financial performance-based market orientation.

In retailing different requirement of service quality in product or services environment required. Some of the retail stores have lack on service quality whereas the salesperson is not well trained, unknowledgeable and rude. This study aims to evaluate the retail service quality from a supermarket in Kuching, Malaysia and sets out to determine what influence customers to shop. This research looks at the five dimensions of retail service quality: the physical aspect, reliability, personal interaction, problem solving and policy. A survey of 200 respondents was conducted and reliability test is measured to represent the dimensions whereas regression test and Pearson correlation is used to answer the research questions and testing the hypotheses. The overall finding confirms the importance of quality service, the need to upgrade services to remain competitive, and consideration by government on modernization of retail outlets using the credit card will bring burden to the consumers as against the benefits. In addition, implications of this study as well as directions for future research are discussed.

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