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All Journal International Journal of Islamic Economics and Finance (IJIEF)
Abdullah, Rose
Unknown Affiliation
Economics, Econometrics & Finance

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Fintech and Its Potential Impact on Islamic Banking and Finance Industry: A Case Study of Brunei Darussalam and Malaysia Ali, Hassnian; Abdullah, Rose; Zaini, Muhd Zaki
International Journal of Islamic Economics and Finance (IJIEF) Vol 2, No 1 (2019): IJIEF Vol 2 (1), July 2019
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (29.84 KB) | DOI: 10.18196/ijief.2116

Abstract

Fintech is growing at an exponential rate which leads to the emergence of innovative business models. Advanced technologies like Blockchain, internet of things (IoT’s), artificial intelligence (AI), and robotics have become mature enough to create disruption in banking and finance industry both conventional and Islamic finance industry. Brunei Darussalam and Malaysia, both, offer wide range of Shari'a compliant services. The main purpose of this study is to investigate the potential impact of Fintech on the Islamic banking and finance industry in Brunei and Malaysia. Accordingly, this research deals with the qualitative method to accomplish and fulfill the research objectives. Content analysis and Semi-structured interview approach were employed throughout the research. The results clearly show that Fintech has  great potential impact on both conventional and Islamic finance industry. This potential impact is in both ways i.e. positive and negative. And, the response and reaction of Islamic finance industry towards the emergence of Fintech and its potential impact seems very slow as compared to their conventional counterparts. This study has indicated important points which include the necessity for the Islamic financial institution to cope with the growth of Fintech.
Islamic Financial Literacy and Financial Inclusion: Examining the Intervening Role of Financial Self-Efficacy Muslichah, Muslichah; Putra, Yuniarti Hidayah Suyoso; Abdullah, Rose; Usry, Abdul Kadir
International Journal of Islamic Economics and Finance (IJIEF) Vol 6, No 2 (2023): IJIEF Vol 6 (2), July 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v6i2.16384

Abstract

Financial self-efficacy is used as an intermediary variable in this study to examine how Islamic financial literacy affects financial inclusion. The participants in this study are final-semester Muslim economics students. Accidental sampling is the method employed. The response percentage for the 300 questionnaires distributed—181 of which were returned—was 60%. The investigation came to two important conclusions. First, financial inclusion and financial self-efficacy are significantly impacted by Islamic financial literacy. Second, the effect of Islamic financial literacy on financial inclusion is not significant. These findings may have an impact on legislators, service providers, and institutions of higher learning. Islamic finance should be a subject covered in higher education, either as part of the core curriculum or as an elective. To help the consumer better understand the given product information, the service provider should give them comprehensive information. The provision of financial education to certain groups, such as housewives or workers in offices, must be addressed in a number of ways by policymakers.
Co-Authors Ali, Hassnian Muslichah Muslichah Usry, Abdul Kadir Yuniarti Hidayah Suyoso Putra Zaini, Muhd Zaki