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All Journal Trikonomika: Jurnal Ekonomi Diversity Logic Journal Multidisciplinary
Roza Hazli Zakaria, Roza Hazli
University of Malaya, 50603 Kuala Lumpur, Malaysia
Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences

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Determinants of Displaced Commercial Risk in Islamic Banking Institutions: Malaysia Evidence Arshad, Noraziah Che; Zakaria, Roza Hazli; Sulaiman, Ahmad Azam; Irijanto, Tubagus Thresna
Jurnal Trikonomika Vol 13, No 2 (2014): Desember 2014
Publisher : Jurnal Trikonomika

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Abstract

Islamic banks are exposed to a unique risk such as Displaced Commercial Risk (DCR). DCR arises from the assets managed on behalf of the investment account holders which may be borne by the Islamic bank’s own capital, when the Islamic banks forgo part or all of its share of profits on the investment account holders funds, in order to increase the return to the investment account holders. In a dual banking system, DCR could be a threat to the Islamic banks given the competition of fixed and higher return from the conventional banks. However, DCR would not be a threat to Islamic banks if their account holders choose Islamic banks due to religious obligatory factor. Pertaining to this issue, this paper aims to identify the determinants of factors influencing the DCR among the Islamic banks in the case of Malaysia. Results of the study suggest that the DCR is significantly determined by the Investment account holder funds, Islamic deposit, rate of return, and interest rate.
ANALYSIS OF PRODUCT QUALITY AND PRICE AFFECT DEMAND FOR A PRODUCT Zakaria, Roza Hazli; Sepik, Losen
DIVERSITY Logic Journal Multidisciplinary Vol. 3 No. 1 (2025): April: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v3i1.128

Abstract

Background. One of the key components of a marketing plan is price. Competitive prices can increase product attractiveness in the eyes of consumers, especially in price-sensitive market segments. The enthusiasts who are prospective buyers want the product to be of high quality, particularly in terms of fulfilling customer expectations so that they become satisfied and loyal to the company. Research Purpose. Analyzing product quality and price affect demand for a product. Research Method. This study is quantitative in nature and uses saturation sampling approaches to collect primary data from 50 consumers who were given questionnaires. Questionnaires and literature reviews were used as the data gathering approach. While conventional assumption tests include testing for normalcy, heteroscedasticity, and multicollinearity, instrument tests include tests for validity and reliability. Multiple linear regression was used to analyze the data. Findings. The results showed that the price variable had a significant effect on product demand (tcount = 0.025), while the product quality variable had a significant effect on product demand (tcount = 0.000). Conclusion. To become more competitive in the market, every business should constantly enhance the quality of its products and take customer preferences into account while adjusting prices.
Co-Authors Ahmad Azam Sulaiman, Ahmad Azam Noraziah Che Arshad, Noraziah Che Sepik, Losen Tubagus Thresna Irijanto