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All Journal Journal of Islamic Monetary Economics and Finance
Nurhafiza Abdul Kader Malim
Universiti Sains Malaysia, Malaysia
Economics, Econometrics & Finance

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THE UTILISATION OF ISLAMIC FINTECH (I-FINTECH) IN PROMOTING SUSTAINABLE INCLUSIVE GROWTH: EVIDENCE FROM MICRO-ENTREPRENEURS IN MALAYSIA Nik Hadiyan Nik Azman; Mohd Zaidi Md. Zabri; Tajul Ariffin Masron; Nurhafiza Abdul Kader Malim
Journal of Islamic Monetary Economics and Finance Vol 6 No 3 (2020)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v6i3.1180

Abstract

Information technology is fundamentally changing the world today. The power of technology applicable fastly in Islamic financial technology (i-Fintech), as it expands access to mobile financial services. This is evidenced by the increasing number of customers who interact using technology, especially micro-entrepreneurs, who adopt the tools into their business models to tap into this opportunity to enhance their income. Therefore, it is imperative to examine the impact of i-fintech use in stabilising micro-entrepreneurs’ income. A quantitative technique was employed through the use of 120 questionnaires distributed to micro-entrepreneurs who had adopted i-fintech into their business. Using Amos and SEM models, the study indicates that crowdfunding, mobile money and peer-to-peer lending play a significant role in ensuring income sustainability for micro-entrepreneurs. The study also discusses both the theoretical and managerial implications in comprehending the determinants of sustainable income growth in Malaysia. The findings should help practitioners, researchers and regulators to have better understanding of the dynamics between the potential of i-fintech and sustainable income.
ISLAMIC REGULATIONS AND ISLAMIC BANK MARGINS: AN EMPIRICAL INVESTIGATION INTO ASEAN COUNTRIES Fatin Nur Hidayah Taib Khan; Nurhafiza Abdul Kader Malim; Tajul Ariffin Masron
Journal of Islamic Monetary Economics and Finance Vol 7 No 1 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i1.1327

Abstract

This paper examines the impact of Islamic regulations on Islamic bank margins in ASEAN countries, utilising the fixed-effect method. The sample consists of 27 Islamic banks in Malaysia, Indonesia, Singapore and Thailand covering the period 2009 to 2017. The results suggest that Islamic regulations, such as the Islamic regulatory framework and Shari’ah supervisory board, are negatively associated with Islamic bank margins. These results have important policy implications for regulators, indicating that they should impose a separate regulatory framework for Islamic banks and bank managers to increase the number of Shari’ah scholars on the Shari’ah board in lowering Islamic bank margins. Overall, the findings suggest that Islamic banks should adopt regulations that should follow Shari’ah requirements, as they help to lower the cost of financial intermediation. As for the other control variables, only the Lerner index has a positive and significant impact on ASEAN Islamic bank's margin. Therefore, appropriate policies are necessary to foster competition in Islamic banks.
Co-Authors Fatin Nur Hidayah Taib Khan Mohd Zaidi Md. Zabri Nik Hadiyan Nik Azman Tajul Ariffin Masron