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This Author published in this journals
All Journal Economica: Jurnal Ekonomi Islam International Journal of Zakat (IJAZ)
Marhanum Che Mohd Salleh
International Islamic University Malaysia
Religion Economics, Econometrics & Finance Social Sciences Other

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Technological Transformation in Malaysian Zakat Institutions Marhanum Che Mohd Salleh; Mohammad Abdul Matin Chowdhury
International Journal of Zakat Vol 5 No 3 (2020): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v5i3.263

Abstract

This research observes technology adoption among zakat institutions in Malaysia. To achieve this objective, a qualitative approach is adopted where the primary data is collected via observation of website or any related materials, which supports technology application among Zakat institutions in Malaysia. The materials including website, the information of online collection or payment system and others. The findings indicate that majority of the zakat institutions have started to utilize technology system in their organization, especially with regards to zakat payment. However, there is still lacking of technology usage for zakat distributions, awareness as well as zakat fund reporting to public. Overall, as zakat collection and distribution have involved millions of records and its management is still questionable by all parties, it is believed that technology will enhance the operations of zakat institutions to become more efficient and effective to distribute wealth to the needy. It is thus public trust towards the institutions is expected to increase.
Comparative Analysis of Financial Performance in Indonesian Islamic Banks: The Impact of Spin-Offs, Mergers, and Conversion Sylva Alif Rusmita; Marhanum Che Mohd Salleh; Khairunnisa Abd Samad
Economica: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.2.11262

Abstract

This study conducts a comparative analysis of Indonesian Islamic banks' performance before and after spin-off, merger, and conversion. Using a quantitative approach, the research applies paired t-tests and Wilcoxon tests to assess financial performance across six categories: liquidity, financing, efficiency, profitability, capital adequacy, and non-performing financing. Data from six Islamic banks over ten years were analyzed, comparing performance pre- and post-establishment. The findings reveal no significant differences in performance for banks that underwent pure spin-offs. However, banks formed through mergers demonstrated improvements in operational efficiency, return on assets (ROA), and capital adequacy (CAR), while conversions exhibited strong financing performance but faced capital risk and lower profitability. These results suggest that mergers offer a more efficient establishment method for enhancing bank performance, while conversions require careful capital management. The research highlights the importance of strategic decisions regarding the choice of establishment method for Islamic banks, with significant implications for bankers and policymakers aiming to optimize Islamic bank performance.
Co-Authors Khairunnisa Abd Samad Mohammad Abdul Matin Chowdhury Sylva Alif Rusmita