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This study examines the effects of attitude, subjective norm, perceived behavioural control and taqwa on compliance intention to pay zakat on salary in East Malaysia. A deductive approach is employed to examine young public servants' compliance intention to contribute to zakat payment on their salary. The model is tested using survey data from 202 respondents in Kota Kinabalu, Sabah, East Malaysia. The results obtained indicate that attitude, subjective norm and perceived behavioural control are significantly related to the compliance intention. Besides these factors, taqwa is also significant. Besides, the post hoc analysis indicates that attitude can play a role as a mediating variable for the relationship between taqwa and compliance intention. This study improves the generalisation of the theory of planned behaviour (TPB) to include zakat payment, where Islamic altruism is brought into play. Our findings are of the essence to provide valuable insights for zakat authority to manage zakat payers effectively by considering new millenials as new zakat payers' base and patronage factors as captured in this study
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Najwa Mohd Khalil, Miss
Master Islamic Economics, UKM. BBA (Hons.) Finance & Banking, UKM.
Areas of Research Interest: Islamic Economics, Zakat and Proverty
Selected Recent Publications:Susun Atur Akad Borang Takaful Kenderaan Di Malaysia: Perbandingan Borang Takaful Kenderaan Di Malaysia Dan Jordan H Dahlan, N Muda, AA Hamzah, NIA Razak, NM Khalil, PMFFA Omar LABUAN E-JOURNAL OF MUAMALAT AND SOCIETY 13 (s1), 92-110 2019 Kesediaan Pembayaran Zakat Pendapatan Dalam Kalangan Kakitangan Awam Di Wilayah Persekutuan Labuan: Satu Kajian Empirikal NM Khalil, N Azman, PMFFA Omar LABUAN E-JOURNAL OF MUAMALAT AND SOCIETY 13 (S1), 79-91 2019 Penemuan Kelemahan Susun Atur Akad dalam Borang Takaful Kenderaan di Malaysia : Kajian Perbandingan Borang Takaful di Malaysia dan Jordan H Dahlan, N Muda, H Amin, AA Hamzah, NIA Razak, NM Khalil, ... 3rd Applied International Business Conference (AIBC) 2018 3 (AIBC-2018-042), 13 2018 Kesediaan Pembayaran Zakat Pendapatan Dalam Kalangan Kakitangan Awam Di Wilayah Persekutuan Labuan: Satu Kajian Empirikal NM Khalil, H Amin, NS Azman, PMFFA Omar 3rd Applied International Business Conference (AIBC) 2018 3 (AIBC-2018-042), 14 2018 Tren Pembayaran dan Agihan Zakat di Wilayah Persekutuan Labuan: Dapatan Awal Kajian NM Khalil, NS Azman, MA Abdullah International Conference on Accounting, Management and Economics (ICAME2016)) 2016 Penelitian susun atur akad dalam borang takaful kenderaan di Malaysia: Kajian perbandingan borang takaful kenderaan di Malaysia dan Jordan H Dahlan, A Karim, M Rahimie, SK Wafa, SA Wafa, H Amin, AA Hamzah, ... 2016 ISLAMIC BANKING PAYMENT SYSTEM: EMPIRICAL RESEARCH ON MICRO BUSINESS IN KUALA LUMPUR AND SELANGOR MA Abdullah, NM Khalil, H Dahlan Journal of Business Innovation 1 (1), 43 2016 Islamic Financial Literacy: Empirical Study Among Bankers In Kuala Lumpur And Labuan. MA Bin Abdullah, AA Hamzah, NS Azman, N Khalil Journal of Islamic Banking & Finance 32 (4) 1 2015 PENJANAAN SEMULA EKONOMI ASNAF DI WILAYAH PERSEKUTUAN: CADANGAN PERNIAGAAN SOSIAL NM Khalil, MA Abdullah, NIA Razak, AA Hamzah, FS Ruzaiman The International Conference on Islam, Economic , Banking, Social Science … 2015 Urban household credit card debt behaviour in east Malaysia: A conceptual framework NS Azman, A Shari, HM Gazali, MA Abdullah, NM Khalil Prosiding Persidangan Kebangsaan Ekonomi Malaysia Ke10, 519-528 3 2015 PENENTUAN TANDA ARAS BAGI SUKUKAL- IJARAH: KAJIAN KES MALAYSIA GLOBAL SOVEREIGN SUKUK NM Khalil, S Shahida, A Saaban, NA Mahmood, N Hassan IBBC 2014 2014
Selected Courses Taught: Islamic Economics, Islamic Fund Management, Islamic Financial Instrument Development
Hanudin Amin, Assoc. Prof. Dr.
Ph. D Islamic Banking and Finance, IIUM. MBA, IIUM. BSc. (Hons.) International & Offshore Banking, UMS.
Areas of Research Interest: Islamic Banking
Selected Recent Publications:Does Islamic accounting for ar-rahnu matter? H Amin The Borneo Post Sabah 2020 Does service quality for ar-rahnu matter? H Amin The Borneo Post Sabah, 17 2020 Does ar-rahnu subject to zakat? H Amin The Borneo Post Sabah, 17 2020 Critical success factors for the receptiveness of Islamic home financing in Malaysia H Amin International Journal of Emerging Markets 2020 Do axioms for ar-rahnu matter? H Amin The Borneo Post Sabah, A2 2020 Can ar-rahnu go online? H Amin The Borneo Post Sabah, 17 2020 Does ar-rahnu scheme free from riba? H Amin The Borneo Post Sabah, 17 2020 Lectures in Islamic Banking H Amin Penerbit UMS 2020 Does ar rahnu current pricing competitive? a perspective H Amin The Borneo Post Sabah, 16 2020 Eight (8) interesting facts about ar-rahnu - do they matter? H Amin The Borneo Post Sabah, 16 2020 Does QABA matter? A perspective H Amin The Borneo Post Sabah, 16 2020 New identity of Islamic pawn financing beginning 1 H Amin The Borneo Post Sabah 2020 Learning from Malaysia's competitive Islamic CASAFA H Amin Islamic Markets 2020 Examining the influence of factors critical for the consumer to accept the offered Islamic home financing H Amin Journal of Islamic Accounting and Business Research 2020 Factors determining willingness to adopt Islamic leadership styles in the case of Malaysian accountants N Ayub, H Amin, F Ab Rahim International Journal of Recent Technology and Engineering 8 (2s9), 298-304 2019 Integrating the effects of price fairness and Islamic altruism with the TPB model KM Sayuti, H Amin International Journal of Housing Markets and Analysis 2019 The Islamic theory of consumer behaviour for ijarah home financing H Amin Journal of Asia Business Studies 13 (4), 672-693 2019 The Problem with Bribery H Amin Sabah News Today 2019 Are Cashback Rewards Halal? H Amin Sabah News Today 2019 Consumer acceptance toward takaful in Pakistan M Ali, SA Raza, CH Puah, H Amin International Journal of Emerging Markets 2019 Understanding consumer receptiveness of mortgage-based Islamic social finance using a maqasid framework: a preliminary study H Amin International Journal of Islamic Economics and Finance (IJIEF) 2 (1), 47-72 2019 Islamic home financing preference and attributes importance among potential home buyers in Malaysia H Amin, H Rizal, MF Ghazali, K Muhammad Sayuti Labuan Bulletin of International Business and Finance 17 (1), 53-75 2019 Tawarruq personal financing brings equilibrium to bank customers H Amin Labuan Times 2019 Lecturer - Consider Islamic administration policies H Amin LabuanTimes 2019 Time to consider tawarruq home financing – a new insight H Amin https://islamicmarkets.com/articles/time-to-consider-tawarruq-home-financing … 2019 Patronage Factors of Tawarruq Home Financing In Malaysia H Amin, MR Abdul-Hamid International Journal of Business and Society 9 (3), 660-677 2018 Unlocking discrete concepts of Islamic wealth management H Amin Islamic Market, https://islamicmarkets.com/articles/unlo 2018 Islamic approach in leadership H Amin NST 2018 Unlocking objectives of Islamic home financing H Amin https://www.pressreader.com/malaysia/the-borneo-post-sabah/20180821 … 2018 Tapping into maqasid consumer preference index potential H Amin https://www.pressreader.com/malaysia/the-borneo-post-sabah/20180723 … 2018 Time to consider al-ijarah muntahia biltamleek home financing H Amin http://www.iium.edu.my/news/time-to-consider-al-ijarah-muntahia-biltamleek … 2018 EWOM towards homestays lodging: extending the information system success model H Rizal, S Yussof, H Amin, K Chen-Jung Journal of Hospitality and Tourism Technology 17 2018 Why human governance is needed? H Amin https://www.nst.com.my/opinion/letters/2018/02/336834/why-human-governance … 2018 New hibah concept for Islamic CASA in Malaysia beginning 2018 H Amin Islamicbanker.co 2018 Journal of Islamic Marketing MK Rahman, S Zailani, G Musa JIMA 8, 4 2018 USER SATISFACTION OF E-HOMESTAY PORTALS IN MALAYSIA SN Hamid Rizal, Hanudin Amin, Soffri Yussof, Ku Chen-Jung, Suddin Lada Labuan Bulletin of International Business and Finance 16 (1), 1-14 2018 Competitive value proposition of BBA home financing H Amin Islamicbanker.com 2018 Consumer behaviour of Islamic home financing H Amin Humanomics 1 2017 Consumer behaviour of Islamic home financing: investigating its determinants from the theory of Islamic consumer behaviour H Amin Humanomics 33 (4), 517 - 548 6 2017 Explaining the Decision to Choose Islamic Mortgage Financing: The Case of East Malaysia H Amin International Journal of Business and Society 18 (Special Issue 1), 177-192 2017 Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers H Amin, ARA Rahman, DA Razak, H Rizal Management Research Review 35 2017 Why interest charges are forbidden in Islamic banking? H Amin https://islamicbanker.com/articles/why-interest-charges-are-forbidden-in … 2017 Why Islamic banks are in need of sound corporate governance? H Amin https://islamicbanker.com/articles/why-islamic-banks-are-in-need-of-sound … 2017 Promising discernibility of tawarruq deposit product H Amin https://islamicbanker.com/articles/promising-discernibility-of-tawarruq … 2017 Tapping into Islamic banking universal principles H Amin https://islamicbanker.com/articles/tapping-into-islamic-banking-universal … 2017 Perceived Ihsan, Islamic egalitarian and Islamic religiosity towards charitable giving of cash waqf H Rizal, H Amin Journal of Islamic Marketing 8 (4), 669-685 14 2017 Islamic home financing questions in Sabah, Sarawak H Amin Borneo Post (KK) 2016 Malaysian consumers’ willingness to choose Islamic mortgage products H Amin, AR Abdul-Rahman, D Abdul-Razak International Journal of Bank Marketing 18 2016 Penelitian susun atur akad dalam borang takaful kenderaan di Malaysia: Kajian perbandingan borang takaful kenderaan di Malaysia dan Jordan H Dahlan, A Karim, M Rahimie, SK Wafa, SA Wafa, H Amin, AA Hamzah, ... 2016 Investigating drivers of internet giving behaviour in Malaysia H Amin, I Phau Asia Pacific Journal of Marketing and Logistics 3 2016 Willingness to Open Islamic Gold Investment Accounts H Amin The Journal of Internet Banking and Commerce 21 (1) 2 2016 Why do Malaysians perform internet giving? H Amin The Journal of Internet Banking and Commerce 21 (1) 3 2016 Islamic banking: an introduction to Islamic accounting H Amin, ARA Rahman 2016 Why emotion at work matters: examining the influence of emotional labour and emotional intelligence on workplace behaviours among service workers in east Malaysia MAC Hwa, H Amin Kajian Malaysia 34 (1), 79-105 16 2016 Financial performance of Islamic and conventional banks during and after US sub-prime crisis in Pakistan: A comparative study M Bilal, H Amin Global Journal Al-Thaqafah 5 (2), 73-87 8 2015 Efficacy of the theory of planned behavior in the context of hiring Malaysians with disabilities MCH Ang, T Ramayah, H Amin The Journal of Developing Areas, 13-25 14 2015 A theory of planned behavior perspective on hiring Malaysians with disabilities MCH Ang, T Ramayah, H Amin Equality, Diversity and Inclusion: An International Journal 32 2015 An analysis of the viability of micro health takaful in Malaysia SNN Htay, NS Sadzali, H Amin Qualitative Research in Financial Markets 18 2015 Consumer preference and behaviour of Islamic home financing: a study of potential home buyers in Malaysia H Amin Institute of Islamic Banking and Finance, International Islamic University … 1 2015 Challenges facing bank in financing international trade: from an Islamic perspective MZ Muhammad, H Amin, A Anderson, R Chong Eleftherios Thalassinos 2015 Consumer acceptance of Islamic home financing H Amin, ARA Rahman, DA Razak International Journal of Housing Markets and Analysis 69 2014 Theory of Islamic consumer behaviour H Amin, AR Abdul-Rahman, DA Razak Journal of Islamic Marketing 59 2014 An analysis of cash waqf participation among young intellectuals AF Osman, MO Mohammed, H Amin Universiti Sains Islam Malaysia 31 2014 An Empirical Investigation of Bank Selection Criteria in Maldives SNN Htaya, I Shaugee, H Aminy In The Name of Allah, The most Beneficent, The most Merciful, 90 2 2014 Islamic Credit Card Adoption: Empirical Evidence From Malaysia A Hanudin, H Rizal, HA Ahmad, GM Haneffa, S Lada, GH Tanakinjal, ... Labuan Bulletin of International Business and Finance (LBIBF) 12 2014 Efficacy of the Theory of Planned Behavior in the Context of Hiring Malaysians with Disabilities: An Empirical Investigation MCH Ang, T Ramayah, H Amin 2014 Determinants of attitude towards credit card usage S Ismail, H Amin, SF Shayeri, N Hashim Jurnal Pengurusan (UKM Journal of Management) 41 13 2014 Willingness to be a partner in musharakah mutanaqisah home financing: Empirical investigation of psychological factors H Amin, ARA Rahman, DA Razak Jurnal Pengurusan (UKM Journal of Management) 40 16 2014 An Empirical Investigation of Bank Selection Criteria in Maldives SNN Htaya, I Shaugee, H Aminy In The Name of Allah, The most Beneficent, The most Merciful, 90 2 2014 Determinants of online waqf acceptance: An empirical investigation H Amin, AR Abdul‐Rahman, T Ramayah, R Supinah, M Mohd‐Aris The Electronic Journal of Information Systems in Developing Countries 60 (1 … 39 2014 An integrative approach for understanding Islamic home financing adoption in Malaysia H Amin, AR Abdul-Rahman, D Abdul-Razak International Journal of Bank Marketing 71 2013 Factors influencing Malaysian bank customers to choose Islamic credit cards H Amin Journal of Islamic Marketing 101 2013 Application of musharakah mutanaqisah home financing as an alternative to traditional debt financing: lessons learned from the US 2007 subprime crisis D Abdul-Razak, H Amin Journal of Islamic Economics, Banking and Finance 113 (915), 1-16 12 2013 Some viewpoints of Islamic banking retail deposit products in Malaysia H Amin Journal of internet banking and commerce 18 (2), 1 14 2013 The determinants of consumer behavior towards email advertisement HH Chang, H Rizal, H Amin Internet Research 85 2013 Maqasid al-shariah and Islamic religious satisfation: an empirical study of consumer behaviour of Islamic mortgage in Malaysia H Amin, A Rahman, A Rahim, D Abdul Razak 2013 Practices of Insurance Operators in Malaysia: Conventional vs. Unconventional Life Insurance SNN Htay, WR Shaharuddin, WR Zahirah, H Amin Journal of Islamic Banking & Finance 29 (3) 3 2012 An analysis on Islamic insurance participation H Amin Jurnal Pengurusan (UKM Journal of Management) 34 22 2012 Patronage factors of Malaysian local customers toward Islamic credit cards H Amin Management Research Review 84 2012 An Analysis of Islamic Credit Card Adoption: Perspectives of Malaysian Bank Customers A Hanudin, H Rizal, A Tamri, G Tanakinjal, SM Nasir, MF Ghazali Proceedings of USM-AUT International Conference 2012 Sustainable Economic … 2012 Explaining intention to use the Islamic credit card: an extension of the TRA model A Hanudin 7 2012 Explaining intention to use the Islamic credit card: an extension of the TRA model H Amin University Library of Munich, Germany 11 2012 Islamic business ethics in small and medium enterprises (SMEs): An analysis MZ Muhammad, MFM Yusof, H Amin 2 2012 Determinants of Islamic insurance acceptance: an empirical analysis F Ab Rahim, H Amin International Journal of Business and Society 12 (2), 37 72 2011 Samsulbahri Mohd Nasir Hanudin Amin R Baba 2011 Determinants for ar-Rahnu usage intentions: An empirical investigation H Amin, R Chong African Journal of Business Management 5 (20), 8181 30 2011 Modelling ar-rahnu use in Eastern Malaysia: Perspectives of muslimah H Amin Journal of Islamic Economics, Banking and Finance 113 (453), 1-14 15 2011 A CLUSTER ANALYSIS AMONG MALAYSIANS FOR ISLAMIC DEPOSIT PRODUCTS H Amin, MZ Muhammad money 28 (3), 58-74 2011 SMS Banking: Are there Discrepancies between Muslim and non-Muslim Bank Customers? H Amin Available at SSRN 1866813 3 2011 An empirical investigation of wireless application protocol (WAP) services usage determinants NM Suki, T Ramayah, LM Yi, H Amin International Journal of E-Business Management 5 (1), 2-16 7 2011 Journal of Islamic Accounting and Business Research H Amin, ARA Rahman, SL Sondoh Jr, AMC Hwa 225 2011 SLS, & Hwa H Amin, ARA Rahman Jr AMC, 22-42 21 2011 Does Money Lead Prices in Malaysia? A Bivariate and Trivariate Analysis. MF Ghazali, M Kogid, H Amin IUP Journal of Applied Economics 10 (1) 2011 Is the theory of reasoned action valid for Ar-Rahnu? An empirical investigation H Amin, R Chong Australian Journal of Basic and Applied Sciences 5 (10), 716-726 37 2011 Determinants of Qardhul Hassan financing acceptance among Malaysian bank customers: An empirical analysis H Amin, M Ghazali, R Supinah International Journal of Business and Society 11 (1), 1 55 2010 SMS banking: Explaining the effects of attitude, social norms and perceived security and privacy H Amin, T Ramayah The Electronic Journal of Information Systems in Developing Countries 41 (1 … 50 2010 The economic agenda of the Islamist parties. AM Ayedh, A Echchabi, AA Alnahari, M Abduh, MA Omar, M Abduh, ... Journal of Applied Sciences 14 (22), 40-53 2010 Doing business in the global economy: an Islamic perspective RK Chong, A Anderson, A Angelopoulos Penerbit Universiti Malaysia Sabah 2010 Al-Ijarah Thumma A-Bay Facility in Labuan Car Markets: An Application of Structural Equation Model H Amin Labuan e-Journal of Muamalat and Society 4, 45-57 11 2010 Offshore bankers' perception on Islamic banking niche for Labuan: an analysis R Baba, H Amin International journal of Commerce and Management 19 2009
Selected Courses Taught:
Current Issues in Islamic Finance, Islamic Accounting System, Deposit & Financing Operation of Islamic Banking
Nur Shahirah Azman, Miss
MEcons.,UM. BEcons. (Hons.),UM.
Areas of Research Interest: Household Debt, Poverty, Microeconomics and Behavioral economics
Selected Recent Publications:
Determinants of household indebtedness in East Malaysia: an evaluation NS Azman, R Hamdan, NM Suki, A Shari Advanced Science Letters 23 (9), 8154-8159 1 2017 Sikap isi rumah terhadap hutang dan keberhutangan: Kajian kes di Lembah Klang, Malaysia N Azman, RH Zakaria, S Marican The Malaysian Journal of Social Administration 9 (1), 59-86 5 2017 Impacts of corporate social responsibility on the links between green marketing awareness and consumer purchase intentions NM Suki, NM Suki, NS Azman Procedia Economics and Finance 37 (2), 262-268 51 2016 Performance of Malaysian Bond Funds: A DEA Approach A Shari, SW King, CL Shiang, LS Shen, NY Kee, OK Soon, OA Yee, ... Journal of Scientific Research and Development 3 (5), 194-199 2016 Islamic Financial Literacy: Empirical Study Among Bankers In Kuala Lumpur And Labuan. MA Bin Abdullah, AA Hamzah, NS Azman, N Khalil Journal of Islamic Banking & Finance 32 (4) 1 2015 Islamic financial literacy: emperical study among bankers in Kuala Lumpur and Labuan MAB Abdullah, AA Hamzah, NS Azman, N Khalil International Associatiomn of Islamic Banks 2015 Urban household credit card debt behaviour in east Malaysia: A conceptual framework NS Azman, A Shari, HM Gazali, MA Abdullah, NM Khalil Prosiding Persidangan Kebangsaan Ekonomi Malaysia Ke10, 519-528 3 2015 Sikap terhadap hutang dan gelagat keberhutangan isi rumah NS Azman Jabatan Ekonomi, Fakulti Ekonomi dan Pentadbiran, Universiti Malaya 2012
Selected Courses Taught: Econometrics for International Financial Economics and Microeconomics