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AR-RAHNU AS A SOURCE OF FINANCIAL SUSTAINABILITY FOR WOMEN MICRO-ENTREPRENEURS IN MALAYSIA Nik Azman, Nik Hadiyan; Hj. Kassim, Salina
Journal of Islamic Monetary Economics and Finance Vol 2 No 2 (2017)
Publisher : Bank Indonesia

Muslims in Malaysia had practiced ar-rahnu for fulfilling their financial need, especially for emergency purposes since early 1990s. The pioneer of ar-rahnu in Malaysia is Muassasah Gadaian Islam Terengganu (MGIT) in January 1992, followed by the Kelantan Capitalization Berhad (PKB) in March 1992. Both of these Islamic pawn centres are among the earliest exponents to the Islamic pawn scheme in Malaysia. Ar-rahnu is an increasingly popular financing option among micro-entrepreneurs in Malaysia, particularly women micro-entrepreneurs. Women micro-entrepreneurs play a vital role in the Malaysian economy and could be considered as the backbone of the industrial development in Malaysia. This study examines the role of ar-rahnu as a source of financial stability for women micro-entrepreneurs. 600 questionnaires were distributed at three states in Malaysia which are Kelantan, Terengganu and Kedah. Then, this study used SPSS and SEM Amos to analyses the data for 600 respondents (women micro-entrepreneurs) in Malaysia. In essence, this study finds that shariah compliancy, locality, service charges, collateral and customer satisfaction has positive and significant impact towards the use of ar-rahnu. The study also found use of ar-rahnu has significant impact towards financial self-sufficiency for women micro-entrepreneurs.

CONSUMERS' BEHAVIOURAL INTENTION TO ADOPT SHARI’AH-COMPLIANT DIGITAL GOLD PLATFORM IN MALAYSIA: EXTENSION OF UTAUT MODEL Hamdan, Nur Hazirah binti; Kassim, Salina binti; Nik Azman, Nik Hadiyan; Abd Rahman, Noor Amira Syazwani Binti
Journal of Islamic Monetary Economics and Finance Vol 11 No 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i1.2035

The advancement of technology has resulted in the emergence of digital platforms, such as digital gold platforms, as alternative channels for retail investment. In this study, we investigate factors that influence consumers’ behavioural intentions towards a Shari’ah-compliant digital gold platform in Malaysia. The study incorporates trust and Shari’ah-compliance as constructs in the extended UTAUT model. Gathering data from 130 respondents and applying SmartPLS 4.0 for data analysis, the study documents the significance of performance expectancy, effort expectancy, trust, and Shari’ah-compliance. Meanwhile, facilitating conditions and social influence turn out to be insignificant. The study notes that feeling safe, secure, and transparent as well as having Shari’ah-compliant features are crucial factors that influence consumer intention to adopt the Shari’ah-compliant digital gold platform in Malaysia. It is also critical to be aware of the services provided by Shari’ah-compliant providers and financial institutions by utilising the social network within the Shari’ah-compliant finance sphere. ACKNOWLEDGEMENT The second author (Nik Hadiyan Nik Azman) would like to Acknowledge “Ministry of Higher Education Malaysia for Fundamental Research Grant Scheme with Project Code: FRGS/1/2021/SS01/USM/03/1”.

AR-RAHNU AS A SOURCE OF FINANCIAL SUSTAINABILITY FOR WOMEN MICRO-ENTREPRENEURS IN MALAYSIA Nik Azman, Nik Hadiyan; Hj. Kassim, Salina
Journal of Islamic Monetary Economics and Finance Vol. 2 No. 2 (2017)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v2i2.654

Muslims in Malaysia had practiced ar-rahnu for fulfilling their financial need, especially for emergency purposes since early 1990s. The pioneer of ar-rahnu in Malaysia is Muassasah Gadaian Islam Terengganu (MGIT) in January 1992, followed by the Kelantan Capitalization Berhad (PKB) in March 1992. Both of these Islamic pawn centres are among the earliest exponents to the Islamic pawn scheme in Malaysia. Ar-rahnu is an increasingly popular financing option among micro-entrepreneurs in Malaysia, particularly women micro-entrepreneurs. Women micro-entrepreneurs play a vital role in the Malaysian economy and could be considered as the backbone of the industrial development in Malaysia. This study examines the role of ar-rahnu as a source of financial stability for women micro-entrepreneurs. 600 questionnaires were distributed at three states in Malaysia which are Kelantan, Terengganu and Kedah. Then, this study used SPSS and SEM Amos to analyses the data for 600 respondents (women micro-entrepreneurs) in Malaysia. In essence, this study finds that shariah compliancy, locality, service charges, collateral and customer satisfaction has positive and significant impact towards the use of ar-rahnu. The study also found use of ar-rahnu has significant impact towards financial self-sufficiency for women micro-entrepreneurs.

CONSUMERS' BEHAVIOURAL INTENTION TO ADOPT SHARI’AH-COMPLIANT DIGITAL GOLD PLATFORM IN MALAYSIA: EXTENSION OF UTAUT MODEL Hamdan, Nur Hazirah binti; Kassim, Salina binti; Nik Azman, Nik Hadiyan; Abd Rahman, Noor Amira Syazwani Binti
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 1 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i1.2035

The advancement of technology has resulted in the emergence of digital platforms, such as digital gold platforms, as alternative channels for retail investment. In this study, we investigate factors that influence consumers’ behavioural intentions towards a Shari’ah-compliant digital gold platform in Malaysia. The study incorporates trust and Shari’ah-compliance as constructs in the extended UTAUT model. Gathering data from 130 respondents and applying SmartPLS 4.0 for data analysis, the study documents the significance of performance expectancy, effort expectancy, trust, and Shari’ah-compliance. Meanwhile, facilitating conditions and social influence turn out to be insignificant. The study notes that feeling safe, secure, and transparent as well as having Shari’ah-compliant features are crucial factors that influence consumer intention to adopt the Shari’ah-compliant digital gold platform in Malaysia. It is also critical to be aware of the services provided by Shari’ah-compliant providers and financial institutions by utilising the social network within the Shari’ah-compliant finance sphere. ACKNOWLEDGEMENT The second author (Nik Hadiyan Nik Azman) would like to Acknowledge “Ministry of Higher Education Malaysia for Fundamental Research Grant Scheme with Project Code: FRGS/1/2021/SS01/USM/03/1”.

Determinants of Ride-Hailing Adoption: Extending TAM with Trust, Service Quality, and Gamification Nik Azman, Nik Hadiyan; Setiawaty, Aswanti; Salehati, Nurun Ala; Ramayanti, Rizka
Jurnal Manajemen Transportasi & Logistik (JMTRANSLOG) Vol. 12 No. 3 (2025): November
Publisher : Institut Transportasi dan Logistik Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54324/j.mtl.v12i3.2355

This study examines the determinants of Gojek ride-hailing adoption in Indonesia by extending the Technology Acceptance Model. The model integrates perceived usefulness, perceived ease of use, trust, service quality, and gamification as antecedents of adoption in an emerging-market context. A cross-sectional survey of 100 active Gojek users was conducted using convenience sampling. Each construct was measured with four items on a five-point Likert scale. Partial Least Squares–SEM (SmartPLS 4) was used in this study. Perceived usefulness and gamification significantly and positively predict adoption, while perceived ease of use, service quality, and trust show no significant direct effects (p > 0.05). The model explains 64.9% of the variance in adoption (R² = 0.649) and demonstrates strong predictive relevance (Q² = 0.600). Findings underscore the primacy of utilitarian value and gamified design features in driving ride-hailing adoption

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