This research emphasized the factors influencing the demand for liability insurance among manufacturers in Malaysia. Also, this research investigated several prominent articles concerning the determinants of the liability insurance demand... more
This research emphasized the factors influencing the demand for liability insurance among manufacturers in Malaysia. Also, this research investigated several prominent articles concerning the determinants of the liability insurance demand in the manufacturing industry. A content analysis performed to review those relevant articles. The findings concluded that the factors of liability insurance demand were types of businesses, geographic location, safety regulation, and claim history.
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Background and Purpose: Studies on entrepreneurship gained attention only thirty years ago and had since highlighted new venture creations and the processes towards quality entrepreneurial growth. Nonetheless, past researches had... more
Background and Purpose: Studies on entrepreneurship gained attention only thirty years ago and had since highlighted new venture creations and the processes towards quality entrepreneurial growth. Nonetheless, past researches had overlooked e-commerce ventures as one of the aspects of the psychology of entrepreneurship. A critical element in entrepreneurship, an entrepreneur, would be responsible for the creation and establishment of new ventures with suitable personality traits, cognition and motivation. This study, therefore, aimed to describe the importance of personality traits, cognition and motivation that can impact e-commerce new ventures creations in Malaysia. Methodology: This study was designed as data for this study were collected using interviews on 12 entrepreneurs who ventured into e-commerce. These interviews were carried out from May 2013 to December 2014 using a multiple case study approach. Findings: Results from this study showed that seven personality traits...
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Research Interests: Psychology, Electroencephalography, Adolescent, Medicine, Applied Economics, and 15 moreLinear models, Gender Identity, Humans, Genetic Testing, Female, Male, Propensity Score Matching, Longitudinal Studies, Genotype, Methionine, Psychiatric, District of Columbia, Corporation, Personality Inventory, and Medical and Health Sciences
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Purpose: This paper discusses what is social perception, social perception aspects of non-verbal communication, attribution, and impression formation, and also some suggestions on how social perception affected cultures.... more
Purpose: This paper discusses what is social perception, social perception aspects of non-verbal communication, attribution, and impression formation, and also some suggestions on how social perception affected cultures. Design/methodology/approach: Describe your method here. This research is a literature study research. The first step was to collect literature relevant to the topic. The second step was data reduction, which is reduced data and chosen the main data. The third step was presented the data and the last step was concluded. Findings: Impaired social perception can have serious social consequences. For example, an adolescent boy might misread a girl’s sympathetic smile as a romantic invitation, and proceed to respond in a sexually offensive manner or a child might misread a peer’s teasing gesture as a threat and react aggressively. In these cases, the socially unsuccessful responses were not a result of inadequate social skills. Rather, they resulted from social “misreadi...
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Individual taxpayers awareness and compliance are predicted to be below expectations in numerous Indonesian regions, as evidenced by the yearly tax reporting (SPT), which is still below the expected aim. The number of taxpayers who submit... more
Individual taxpayers awareness and compliance are predicted to be below expectations in numerous Indonesian regions, as evidenced by the yearly tax reporting (SPT), which is still below the expected aim. The number of taxpayers who submit the SPT is one indicator of compliance; the higher the number of taxpayers who report the SPT, the higher the level of compliance. The goal of this study is to look into how the Cileungsi Pratama Tax Service Office in West Java, Indonesia, implements annual tax reporting for personal taxpayers. The authors apply Van Meter Van Horn's Policy Implementation Theory to six test variables: standards and policy objectives, resources, inter-organizational linkages, implementing agent characteristics, social, economic, and political situations, and implementer disposition. The qualitative descriptive approach was adopted in this study. Observation, documentation, and interviews were utilised to collect data, which was then analysed through data reductio...
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This study is to investigate the skill levels of the state government employees. The study proposed two predictor variables i.e. experiences and training perceptions associated with job performance. The questionnaire consisted of five... more
This study is to investigate the skill levels of the state government employees. The study proposed two predictor variables i.e. experiences and training perceptions associated with job performance. The questionnaire consisted of five pages close-ended was designed to measure (1) experience, (2) training perceptions and (3) job performance. Factors 1 to 2 are the independent variables and factor 3 is the dependant variable. The questionnaires were then distributed to 150 excellent state government employees via their administrators. 135 sets were completed and used for data analysisyielding a response rate of 90 per cent. The data solicited were then analyzed using SPSS software where a correlation analysis was done to see whether there were relationships between predictor variables and job performance. None of the predictor variable was found to have positive relationships with the performance. This situation showed that skill levels of the employee have no effect on their performa...
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The bulk of the earlier research on performance has been conducted in the area of job performance. This study is to investigate the relationship between motivations towards state government employees. Applying similarity on the motivation... more
The bulk of the earlier research on performance has been conducted in the area of job performance. This study is to investigate the relationship between motivations towards state government employees. Applying similarity on the motivation in the earlier research on job performance, this study extends this research by examining the relationships between overall job performance and motivation dimensions of and their job performance. A positive relationship, as measured by possess annual salary progression, was found between affiliation motivation and performance. The results suggest that affiliation motivation and job performance is positively related. Conclusions, management strategies particularly can be formulated according to motivation level of employees.
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Takaful salespersons are prominent actors in the Takaful industry, whereby most Takaful operators necessitate salespersons to represent them by promoting the products and services to the society. Indisputable, a prompt number of... more
Takaful salespersons are prominent actors in the Takaful industry, whereby most Takaful operators necessitate salespersons to represent them by promoting the products and services to the society. Indisputable, a prompt number of researches regarding Takaful is mounting in the recent decades. Hence, this study obtained a phenomenon of Takaful salespeople with a comprehensive overview to close the gaps in conceptualization and theoretical viewpoint. The researcher discoursed a systematic review of 1660 papers covered from year 2011 to 2021 in different disciplines to better understand the comprehensive Takaful salespersons' phenomenon. This study will contribute to fostering the corpus of knowledge among scholars, academician and practitioners to fathom regarding Takaful conceptualization. Regardless of the established theories, a multidimensional theoretical perspective must be clarified to develop a systematic model for Takaful salespeople. Thus, the future path is advised to c...
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This paper aims to derive from a critical review of prior studies about the correlations between the constructs selected for investigation in this study. The study seeks to identify the level and determinants of job satisfaction among... more
This paper aims to derive from a critical review of prior studies about the correlations between the constructs selected for investigation in this study. The study seeks to identify the level and determinants of job satisfaction among teachers in Jordanian high schools as well as the relationship between levels of education, teaching experience with those of Jordanian high schools' teachers. Furthermore, readings of literature studied in detail to determinants of teacher satisfaction in Jordanian high schools. This literature reading is also done to describe the existing models. In the attempt to study the determinants of teachers' job satisfaction in Jordanian high schools, a quantitative research design adopted as the concept that the objectives of this study will be harmonious with the significant features of the quantitative method will suffice as the main reason for choosing this research design. In this study, the Herzberg's two-Factor theory for the creation of a ...
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A number of intensive studies on entrepreneurs which consider entrepreneurship as one of the mostimportant elements in business have been conducted within the past few years. An entrepreneur isresponsible for every aspect of a new... more
A number of intensive studies on entrepreneurs which consider entrepreneurship as one of the mostimportant elements in business have been conducted within the past few years. An entrepreneur isresponsible for every aspect of a new venture’s creation considering that they are usually the lead personin every business decision. To date, researchers have tended to ignore the issues related to the qualitiesof entrepreneurs in the creation of new e-commerce ventures. While entrepreneurial competencies havebecome extremely important recently, as a complementary study, the personality traits of the entrepreneurcould also be studied. Much uncertainty still exists; hence, this study set out to determine the role ofpersonality and entrepreneurial competencies in the creation of new e-commerce ventures in Malaysia.This research uses a case studies approach in which data was collected by interviewing twelve e-commerceentrepreneurs from May 2013 until December 2014. The fi ndings have identifi ed...
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Exploratory factor analysis (EFA) is usually necessary to uncover the right items for inclusion in a research instrument. As a result, this research adapts and modifies an instrument on the risk intelligence construct within small and... more
Exploratory factor analysis (EFA) is usually necessary to uncover the right items for inclusion in a research instrument. As a result, this research adapts and modifies an instrument on the risk intelligence construct within small and medium enterprises (SMEs) in Nigeria. The study uses Hawley’s risk theory of profit and employs the EFA to validate the instrument. Our study differs significantly from prior studies regarding SMEs' socio-economic, political, and cultural statuses, among other factors. More importantly, most past research focused on larger firms or used different dimensions. However, the current study uniquely integrates risk perception, risk-taking propensity, and insurance literacy within Nigerian SMEs to close the literature gap. The study adopts a cross-sectional research approach using quantitative data obtained through a structured survey from 370 SMEs across Nigeria's six geopolitical regions. The study tested the validity and reliability of the construc...
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One of the most progressive and challenging industries in Malaysia is the construction industry. This is the industry where the risk considered when a construction project is conducted is more significant compared to the risk in other... more
One of the most progressive and challenging industries in Malaysia is the construction industry. This is the industry where the risk considered when a construction project is conducted is more significant compared to the risk in other types of economic activities. Furthermore, in preventing unnecessary loss and obtaining more profits, Risk Management (RM) is one of the elements in construction which are essential in creating a successful construction activity globally. This paper mainly aims to examine the application of risk management in this industry and to recommend this process for companies where this process has yet to be applied. 60 articles dated from 2007 to 2017, which are associated to the implementation of risk management in the construction industry, are the basis of the review in this study. Qualitative method was implemented in 66.67% of these articles, while quantitative method was implemented in this rest of them. Subsequently, risk management process is found to b...
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After a series of disasters, including major floods, landslides, and hurricanes, Malaysia was affected by multiple damages and losses Moreover, with the proclamation of the Movement Control Order (MCO) by the government, the COVID-19... more
After a series of disasters, including major floods, landslides, and hurricanes, Malaysia was affected by multiple damages and losses Moreover, with the proclamation of the Movement Control Order (MCO) by the government, the COVID-19 pandemic has led to widespread economic disruption across the country By this year, Malaysia's Gross Domestic Product (GDP) is projected to contract between 0 1 per cent and 4 6 per cent However, this projection may be negatively impacted due to the closures of short-term business, sales losses, and the downturn in revenue In Malaysia, the Micro, Small and Medium Enterprises (MSMEs) amounted to 907,765, in which 693,679 (76 5%) comprised of microenterprises (MEs) After ceasing their operations, these MEs and businesses were prone to bankruptcy, in which MEs were severely affected by the MCO Therefore, this article investigated the coverage of existing insurance schemes of business interruption losses, formulated the business protection schemes again...
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The increase number of natural disasters that struck the world gives damaging impacts to the people and properties. This paper attempts to examine crucial pressing issues and challenges in mitigating flood losses and loss of lives in... more
The increase number of natural disasters that struck the world gives damaging impacts to the people and properties. This paper attempts to examine crucial pressing issues and challenges in mitigating flood losses and loss of lives in Malaysia. Only qualitative approach is used to address these pressing issues and challenges of natural disaster. Kelantan is one the states in the east coast of Malaysia that experienced the highest loss of properties and infrastructure in 2014 massive flood. Semi-structured interview was designed and used to collect data from six government agencies in the state of Kelantan. These agencies were, Kelantan State Education Department, Kelantan State Department of Rescue and Fire Brigade, Kelantan State Health Department, Local Authority of Kuala Krai, Kelantan State Social and Welfare Department and Kelantan State Police Contingent. The finding of the study revealed that were eight pressing issues and four challenges. The eight pressing issues are flood p...
Micro- and Small Enterprises (MSEs) contribute significantly to economic development, and this could be influenced by demographic factors and risk-taking propensity. This study assesses the relationship between risks-taking propensity and... more
Micro- and Small Enterprises (MSEs) contribute significantly to economic development, and this could be influenced by demographic factors and risk-taking propensity. This study assesses the relationship between risks-taking propensity and demographic characteristics of Malaysian MSEs owners. A stratified sample totalling 260 names and addresses was derived from the Small and Medium Industries Development Corporation (SME Corp). The Risk Attitudes Inventory (RAI) was used in the survey to measure entrepreneurial risk-taking propensity, which presented with 15 hypothetical situations. The questions were to stimulate reflection and thought about one’s risk-taking style and beliefs. The scale that was used for the measurement of risk-taking propensity consisted of three levels: low, medium and high. The study concludes that there is no relationship between risk-taking propensity and business owners’ demographic characteristics such as gender, business owners’ age, education level and th...
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Framework: This study came to evaluate the effects of KAIIA standards, especially processes and Services sub-standard (Service Procedures, Service Time, Service fees, Employees attitude, Suggestions and complaints, Infrastructure, and... more
Framework: This study came to evaluate the effects of KAIIA standards, especially processes and Services sub-standard (Service Procedures, Service Time, Service fees, Employees attitude, Suggestions and complaints, Infrastructure, and Website services) on customer satisfaction. Methodology: This study comes to investigate the impact of applying KAIIA model on patients' satisfaction among Jordanian health sector. The KAIIA survey adopted and used toward one of the Jordanian royal medical hospitals which applying KAIIA model. SPSS (21) was used to test and investigate the hypothesis among the dimensions and their items. Results: The results of applying excellence model in Jordan could be motivated by: Improving and developing procedures, meeting patient needs, fees of service provided, and customer satisfaction.
Rules and regulations are the essential guidelines to ensure the implementations of any subject matter are in order. The aims of this paper intend to make a comparison of takaful rules and regulations in Malaysia and Indonesia. The... more
Rules and regulations are the essential guidelines to ensure the implementations of any subject matter are in order. The aims of this paper intend to make a comparison of takaful rules and regulations in Malaysia and Indonesia. The researchers divided the work into five phases: Phase 1; Developing Framework, Phase 2; Industry roundtable discussion with the proposed draft framework/model, Phase 3; Side visit/Collect Data, Phase 4; Research Finding and Phase 5; Writing and Publishing. Six (6) takaful Companies (handling General takaful) selected as samples for this research comprise of three takaful companies from Malaysia and three takaful companies from Indonesia. Results of interviews were recorded and analyzed using ATLAS. ti software. The findings showed that the current general takaful rules and regulations are Islamic Financial Services Act 2013 (IFSA 2013) in Malaysia and Undang-Undang No 40 (UU40) in Indonesia. However, UU40 was referring to both takaful company and the conve...
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Tujuan kajian ini adalah untuk mengkaji kesan faktor-faktor kewangan terhadap permintaan Takaful Am di kalangan perusahaan kecil dan sederhana di Malaysia. Kajian terhadap faktor kewangan akan memberi maklumat yang bernilai kepada... more
Tujuan kajian ini adalah untuk mengkaji kesan faktor-faktor kewangan terhadap permintaan Takaful Am di kalangan perusahaan kecil dan sederhana di Malaysia. Kajian terhadap faktor kewangan akan memberi maklumat yang bernilai kepada pengendali Takaful dalam menentukan dan meningkatkan permintaan Takaful Am di kalangan PKS. Kajian literatur telah mengenalpasti empat faktor utama kewangan yang boleh menentukan permintaan insurans korporat dan menerangkan model Takaful Am. Keempat-empat faktor tersebut adalah leveraj, kadar pertumbuhan perusahaan, kos kebankrapan dan kadar cukai. Kajian ini menggunakan model yang sama untuk mengkaji kesan faktor kewangan, persepsi terhadap risiko yang diinsuranskan dan kecenderungan mengambil risiko yang mempunyai hubungan dengan permintaan Takaful Am. Kajian ini signifikan dari segi teori kerana ianya bertujuan untuk membuktikan bahawa andaian konvensional yang mengatakan bahawa faktor kewangan hanya memberi kesan kepada permintaan terhadap insurans ada...
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Malaysia country now towards an ageing population, in which exposed to the longevity risk. People in Malaysia still lack awareness on preparing for their retirement. The mainstream retirement scheme, Employees Provident Fund in Malaysia... more
Malaysia country now towards an ageing population, in which exposed to the longevity risk. People in Malaysia still lack awareness on preparing for their retirement. The mainstream retirement scheme, Employees Provident Fund in Malaysia has reported inadequate to sustain the elderly after working age. Therefore, the study aims to examine the alternative options available to the public to maximize their retirement incomes. The study found that the existing pension schemes still lack efficiency regarding investment, benefits allocation and do not provide coverage to all level of community members, in particular for those in the informal sector. Thus, the authority needs to revise the retirement system to keep elderly out of poverty line.
Insurance is one of the systematic solutions to risk reduction available in the modern world. Its contribution to socio-economic development is difficult to overestimate, bearing in mind that the level of diversity and inclusion of the... more
Insurance is one of the systematic solutions to risk reduction available in the modern world. Its contribution to socio-economic development is difficult to overestimate, bearing in mind that the level of diversity and inclusion of the sector explains the degree of financial progress of a nation. This paper has a twofold objectives of ascertaining and discussing an overview of theories that stimulate economic performance from the angles of institutions and innovation. Keywords were used to search literature repository with the aid of Harzing’s publish or perish software. As a result of this process, the New Institutional Economics (NIE) and Schumpeter’s theory of Innovation found suitable to the objectives of the study. The paper concludes that efficient institutions coupled with the emergence of the novel products may likely promote trust and confidence in the market as well as specific needs of the large majority unserved potential consumers. Therefore, interaction between instit...
Despite the provision of various incentives by the Malaysia Government in encouraging more people to purchase family Takaful as a form of savings instrument and also as a means of risk transfer, the penetration rate is still very low in... more
Despite the provision of various incentives by the Malaysia Government in encouraging more people to purchase family Takaful as a form of savings instrument and also as a means of risk transfer, the penetration rate is still very low in comparison with other developing economies. There are some factors that lead to this problem. Based on many previous researches, focus have been found on the demographic and economic factors, consumer knowledge, awareness, religious perception, quality of services and relationship marketing as well. It can be concluded that even though some studies have been conducted in the same areas but the factors driving the purchasing decision of family Takaful in this country are still unclear. Therefore, the extension research of family Takaful will be studied to find out the other factors contributing to the purchasing decision of family Takaful in the Malaysia context. The objective of this study is to examine whether the factors of reputation and image, pr...
The last three decades have revealed the primary elements of entrepreneurship, especially for newly-created venture creation processes, throughout various works and heavy emphasis by scholars. An entrepreneur can be viewed as the... more
The last three decades have revealed the primary elements of entrepreneurship, especially for newly-created venture creation processes, throughout various works and heavy emphasis by scholars. An entrepreneur can be viewed as the principal component in entrepreneurship; they are tasked with creating new ventures, which requires cognitive and personality motivations and specific competencies to achieve such aim. Prior scholars investigating the elements of entrepreneurial psychology have succinctly viewed the general process of new venture creation, whereas e-commerce ventures have been disregarded. Furthermore, such works have expended the least efforts on entrepreneurial competencies resulting in e-commerce new venture creations. Accordingly, this study is attempting to bridge such gap and aims to distinguish the role played by personality traits, motivation, and competencies that promote new e-commerce ventures creation in Malaysia. To this end, a case study approach was implement...
To date, the Islamic banking industry is very competitive. As a result many banks are using strategic tools such as information systems to reduce cost. The purpose of this paper are two folds: a) to determine whether strategic information... more
To date, the Islamic banking industry is very competitive. As a result many banks are using strategic tools such as information systems to reduce cost. The purpose of this paper are two folds: a) to determine whether strategic information systems sophistication leads to multiple strategic performances in terms of cost reduction and flexibility of operations in the case of Islamic Banks and b) to examine the mediating effect of user information systems expertise (UISE) on the relationship between strategic information system sophistication (SSIS) and strategic performance (SP). The study used self-administered questionnaires to the randomly selected executives of the Islamic banks in Terengganu, Malaysia. The study employed the Structural Equation Modeling (SEM) in AMOS 21.0. The study found the strategic information systems sophistication (SISS) has a positive effect on strategic performance of Islamic banks especially in terms of flexibility and cost reduction. The results also rev...
The bulk of the earlier research on performance has been conducted in the area of job performance. This study is to investigate the relationship between motivations towards state government employees. Applying similarity on the motivation... more
The bulk of the earlier research on performance has been conducted in the area of job performance. This study is to investigate the relationship between motivations towards state government employees. Applying similarity on the motivation in the earlier research on job performance, this study extends this research by examining the relationships between overall job performance and motivation dimensions of and their job performance. A positive relationship, as measured by possess annual salary progression, was found between affiliation motivation and performance. The results suggest that affiliation motivation and job performance is positively related. Conclusions, management strategies particularly can be formulated according to motivation level of employees.
This study aimed to evaluate the influence of perception towards insurable risks on the general Takaful demand via risk-taking propensity among small and medium enterprises (SMEs) in Malaysia. This study presented essential insights that... more
This study aimed to evaluate the influence of perception towards insurable risks on the general Takaful demand via risk-taking propensity among small and medium enterprises (SMEs) in Malaysia. This study presented essential insights that would benefit Takaful operators in determining and enhancing general Takaful demand among SMEs. Studies have identified two major factors of risk behaviour that influence general insurance demand, which are the perception towards insurable risks (independent variable) and risk-taking propensity (moderator). This study presented theoretically significant information on the incorporation of perception towards insurable risks and risk-taking propensity to explain the general Takaful model. For this study, a total of 278 SMEs in Malaysia were sampled. All gathered data were analysed using AMOS for the testing of hypotheses. The results of structural equation modelling (SEM) revealed perception towards insurable risks as the key factor that drives the ge...
This paper is a concept paper related money laundering risk posed mobile money services in these Sub-Saharan Afric. The growing financial market is an attractive target for attackers and fraudsters. Mobile money is an incentive for various... more
This paper is a concept paper related money laundering risk posed mobile money services in these Sub-Saharan Afric. The growing financial market is an attractive target for attackers and fraudsters. Mobile money is an incentive for various types of fraud driven by different actors involved in the Mobile money ecosystem. In particular, serious concerns have been raised regarding the risk of money laundering in mobile money services. This research is organised first literature review related mobile money services and money laundering risks face of this service while the rest of the paper analyzed risk face mobile money posted in money laundering activities and suggestions on how to tackle and reduce these risks. This study related mobile money service adoption but mostly only focus on the adoption of the service. Many gaps need to fill in terms of this topic of mobile money service. Thus, they have stated that future studies should consider addressing these gaps. This research would hi...