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All Journal al-Uqud : Journal of Islamic Economics Indonesian Capital Market Review
Karim, Norzitah Abdul
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Economics, Econometrics & Finance

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The Malaysian Fund Managers Perspective on the Viability of Takaful Operators Investment Muhamat, Amirul Afif; Jaafar, Mohamad Nizam; Karim, Norzitah Abdul; Roslan, Azreen; Basri, Mohd Faizal
al-Uqud : Journal of Islamic Economics Vol 4, No 2 (2020): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (450.202 KB) | DOI: 10.26740/al-uqud.v4n2.p250-267

Abstract

Takaful operators are expected by the policyholders to act beyond the role of traditional insurance companies that only offer Shariah-compliant protection services. They are expected to be commercially viable. One of the ways to be commercially viable is takaful operators must be able to invest the policyholders' funds in the profitable investment avenues. Nevertheless, the critical issue before investing the funds is to develop products that are suitable with the takaful operators' investment strategy. This study employed a questionnaire survey to gather the feedback of fund managers from 11 takaful operators in Malaysia — all were the senior staffs of takaful operators in Malaysia were surveyed. The questionnaire is developed in the form of a Likert scale ranging from 1 to 5 as the research instrument. By Delphi technique, the draft of the questionnaire was sent to a panel of experts for review, was adopted, and their feedback reflected in the final questionnaire. The experts were a shariah advisor, a corporate finance manager, and a senior executive at the central bank. Findings indicate that policyholders' expectations on their investments are met and the products so far compatible with takaful operators' investment strategies.
Impact of the Relationship among Financial Development, ICT and English Proficiency on Income Inequality: Evidence from Malaysia Shaharuddin, Norhasimah; Azam, Abdul Hafiz Mohd; Wahab, Mohd Hafiz Abdul; Karim, Norzitah Abdul; Hilmiyah, Nurul; Shakrein, Sharul Shahida; Osman, Adibah Alawiah
Indonesian Capital Market Review Vol. 16, No. 1
Publisher : UI Scholars Hub

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Abstract

Income inequality is a persistent phenomenon and fundamental issue of concern, especially in this new digital era, because unequal access to finance has long been recognized as a critical mechanism for generating persistent income inequality. ICT tools and approaches are being used widely today due to their convenience, omnipresence and economy. This study examines the influence of financial development, ICT, and English proficiency on income inequality in Malaysia during the period of 1979-2019. The empirical results based on the ARDL bounds test indicated that financial develop- ment and English proficiency support the hypothesis that both factors can reduce the income gap in the long run. While ICT has shown different results, its improvement has only reduced the income gap in the short term. Hence the need for strengthening ICT policy is crucial as it can lead to develop- ment. Mastery of English is also considered to foster economic resilience.
Co-Authors Azam, Abdul Hafiz Mohd Basri, Mohd Faizal Jaafar, Mohamad Nizam Muhamat, Amirul Afif Nurul Hilmiyah Osman, Adibah Alawiah Roslan, Azreen Shaharuddin, Norhasimah Shakrein, Sharul Shahida Wahab, Mohd Hafiz Abdul