Papers by Mior Ahmad Jafri
This research seeks to examine the financial literacy among university students. The study is use... more This research seeks to examine the financial literacy among university students. The study is used primary data by questionnaires and the sample consisted of 384 students and the target population of the study is from local Universities of Malaysia. Convenience sampling method is used in collecting the data and the results compiled by using SPSS software system. The result comprises of reliability, and multiple linear regression analysis. There are five independent variables such as age, gender, business major and non-business major, spending habit and year of study whereby the dependent variable is the financial literacy. The results revealed that the spending habit and year of study have a significant positive relationship with the financial literacy, whereby the age and gender are negatively associated with the financial literacy. Finally, the limitation and recommendation are included to help further researchers to have a better finding of the result.
This research examines the performance of Islamic banking contracts and its sensitivity to the Is... more This research examines the performance of Islamic banking contracts and its sensitivity to the Islamic banks profits. These contracts differ fundamentally from the conventional banking products where Islamic banking contracts have unique features and mechanisms. Financing contracts divided into two types which is equity based financing and debt based financing while deposit products apply mudharabah and wadiah contracts. The financing contracts and mudharabah deposit contracts contribute profits to the Islamic banks while wadiah deposit contract will incur minimal cost to the Islamic banks. Sample of 17 Islamic banks (local and foreign banks) are studied for the period of 2000-2010. Ordinary least square estimation is used to measure the performance of key financial variables. These Islamic banking contracts will propose that bank’s profit is positive and statistically significant with financing contracts and mudharabah deposit contract against assets. This paper concludes that bai’ bithaman ajil (BBA) and alijarah thumma albai’ (AITAB) are the most financing contracts consumed by banks’ customers. The empirical results also show that AITAB is statistically significant to the banks profitability.
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Papers by Mior Ahmad Jafri