Islamic Student Financing Back Securitization in Malaysia

Bakri, Mohammed Hariri; Dabas, Nurayati; Ismail, Shafinar; Hamid, Baharom Abdul

doi:10.1166/asl.2017.9841

Cited by 9 publications

(8 citation statements)

References 3 publications

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“…The ECF and P2P financing provides Micro, Small and Medium Enterprises (MSMEs) with an alternative source of capital to support business growth, finance working capital and meet another financial necessity . Almost RM350 millions of alternative financing for almost 900 Malaysian MSMEs has been supported by the ECF and P2P funding markets (Bakri et al 2017).…”

Section: Introductionmentioning

confidence: 99%

Technology Acceptance In Crowdfunding Among Retailers

Bakri¹,

Radzai

Rasid

2021

EEA

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Crowdfunding is currently Malaysia's fastest growing source of alternative finance for companies. It is an enticing opportunity for entrepreneurs with innovative ideas who would not otherwise have found capital to leverage the power of the audience to bring goods and projects from the ground. Crowdfunding has traditionally been the go-to funding solution for individuals, startups and entrepreneurs. But more recently, retailers and larger companies have been using crowdfunding as an investment route, market research tool or promotional technique. The obvious attraction of crowdfunding for retailers is that it sidesteps the need to convince a bank or investor you can make their investment worthwhile. But the rewards of the crowdfunding model are not just financial. A crowdfunding campaign can raise awareness of a brand or product, deliver valuable information about demand for a product or service, and create an already established customer base once a campaign is complete. Hence, this research focused on determining the factors that could influence the prospective retailers' intention to collect fund from crowdfunding platform. The research selected the UTAUT model to determine the prospective retailer's intention toward collecting fund to the crowdfunding project. There were four independent variables, namely performance expectancy, effort expectancy, social influence, and reliability. The intention of the prospective retailer was selected as the dependent variable. With respect to the literature review, four hypotheses were developed in this study. To test the developed hypothesis in this study, descriptive research was adopted by applying a self-administered questionnaire distributed to respondents. For this study, convenience sampling was selected, whereby 379 respondents responded and answered the questions. All the independent variables have shown that they were positively significant to the intention of the prospective retailer. Hence, the intention of prospective retailer is influenced by performance expectancy, effort expectancy, social influence, and reliability. This research successfully contributed to the knowledge in this field by applying the UTAUT factor in the context of crowdfunding for expanding retail business. Regarding practitioners in this field, this research could act as a guideline or reference to enhance the retailer's intention to collect fund in a crowdfunding project. Lastly, for policymakers, it is hoped that this research could be used as a standard and reference for future crowdfunding initiatives by the government.

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Section: Introductionmentioning

confidence: 99%

Technology Acceptance In Crowdfunding Among Retailers

Bakri¹,

Radzai

Rasid

2021

EEA

Self Cite

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“…The mix of banking and non-banking activities would lead to the formation of huge entities that can be extremely difficult to monitor or to discipline. Therefore, policymakers of these countries should enhance the level of restriction on Islamic bank's activities, which meaning that government should prevent the Islamic banks from heavily participating in securities, insurance and real estate activities in order to increase the level of efficiency (Bakri et al, 2017). Strict restriction of bank engaging in these activities can reduce the conflicts of interest with their fundamental business and risk from various activities.…”

Section: Resultsmentioning

confidence: 99%

The Determinants of The Bank Regulation and Supervision on The Efficiency of Islamic Banks in Different Country’s Income Level

Noor¹,

Bakri²,

Yusof³

et al. 2020

JAFEB

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This study investigates the impact of the country's governance on the revenue efficiency of 108 Islamic banks from 26 countries offering Islamic banking and finance products services. The technical efficiencies of individual Islamic banks have been analyzed using the Data Envelopment Analysis method. The data will be pooled across the selected countries and utilize the intermediation approach. The Ordinary Least Square estimation method is employed to examine the impact of country supervision and regulation on the technical efficiency of Islamic banks. As robustness check, the study examines the impact of the level of bank regulations and supervision on the efficiency of Islamic banks operating in different income-level countries. The results found that the stricter the supervisory power, the less strict capital requirement, the tighter the restrictions on non-banking activities, and the stricter the private monitoring enhance statistically significantly the level of efficiency of Islamic banks. In upgrading the regulations and supervision of the Islamic banks, the existing regulatory framework based on the Basel Committee on Banking Supervision (BCBS) must be complemented with the prescriptions on Islamic banking or Shariah compliance diligently, so that the Islamic banks could be regulated accurately and further improve the technical efficiency of their operations.

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“…The financial performance shows that profit before taxation also increasing by 91.9 % whereby many government staff apply personal loan that makes income from interest rate increasing. Even though the subprime mortgage crisis happened in United States of America between 2008 to 2009 the net profit for RCE Marketing keep on growing by 31.56 % and it shows that the company resilient during the crisis (12). Many big company in United States of America involved with Securitization collapse and some of the company has been bailed out by US government during subprime mortgage crisis (4).…”

Section: Methodsmentioning

confidence: 99%

Does Securitization for Government Staff Personal Loan Perform?

Bakri¹,

Dabas²,

Ismail³

et al. 2018

IJET

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Malaysian firms have been reported to involve in Asset-Backed Securities since 1986s where Cagamas is a pioneer. The objective of this study to determine the primary market spread and analyze on firm financial performance. The methodology for this paper using regression analysis for the study period 2007-2012. They are three determinants that contribute and statistically significant for this research paper. The measurement of financial performance does not have any impact during subprime mortgage crisis. The firm results shows increasing profitability, reducing debt, stronger company value and shareholders earning better dividend.

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Islamic Student Financing Back Securitization in Malaysia

Cited by 9 publications

References 3 publications

Technology Acceptance In Crowdfunding Among Retailers

Technology Acceptance In Crowdfunding Among Retailers

The Determinants of The Bank Regulation and Supervision on The Efficiency of Islamic Banks in Different Country’s Income Level

Does Securitization for Government Staff Personal Loan Perform?

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