Browsing by Author "Haneffa Muchlis Gazali"
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Publication Factors Influencing Consumers Acceptance Toward Takaful Technology (Takatech)(Fakulti Ekonomi dan Muamalat, Universiti Sains Islam Malaysia, 2023) ;Syahzlyen MustakimHaneffa Muchlis GazaliTakaTech is a digital financial platform that offers innovative solutions for various business models and addresses customer needs. This paper aims to investigate the factors that influence consumers' acceptance of TakaTech by using the Theory of Planned Behaviour (TPB). Specifically, this study examines the effects of Attitude (ATT), Subjective Norm (SN), and Perceived Behavioural Control (PBC) on predicting the factors that influence consumer acceptance towards TakaTech. An online questionnaire was administered to Malaysian consumers (N=211)using convenience and snow ball sampling.SPSS (Statistical Package for the Social Sciences) version 28 analysed the collected data for model fit and hypotheses. The regression analysis results indicate that a positive attitude towards TakaTech significantly increases consumers' acceptance of the platform, while subjective normsand perceived behavioural control do not have a significant impact. This study has practical implications for stakeholders such as consumers, researchers, and policymakers. Through this research, readers may better understand TakaTech and feel more confident in utilising its services. Moreover, the findings can guide policymakers in developing better takaful policies for consumers. This study is a preliminary attempt to investigate the behaviour of Malaysians towards TakaTech using the a fore mentioned variables. We examine the behavioural intention of both current users and non-users of TakaTech, which has not been previously explored in this context. - Some of the metrics are blocked by yourconsent settings
Publication Factors Influencing the Intention to Pay Zakat Online(Fakulti Ekonomi dan Muamalat, Universiti Sains Islam Malaysia, 2023) ;Syahidatul Fitri binti Ramlee ;Haneffa Muchlis GazaliTamrin AmboalaThis study investigates the factors influencing individuals' intention to pay zakat through an online platform. Data were collected using an online questionnaire distributed through convenience and snowball sampling methods, with a total of 222 participants comprising students and working individuals. Regression analyses were conducted to examine the proposed model, revealing that participants' attitudes and perceived behavioural control significantly influenced their intention to pay zakat online. However, subjective norms, knowledge, and trust had a negative impact on the intention to pay zakat using an online platform. This research contributes to the literature by focusing on the emerging field of online zakat payment. Findings suggest that zakat institutions can enhance the efficiency of digital payments by improving participants' attitudes and perceived behavioural control. Additionally, future research should consider incorporating variables related to IT literacy to understand user behaviour in online zakat payment better. The study's findings are relevant to various stakeholders, including governments, zakat institutions, zakat contributors, and academics. Governments can use the results to formulate policies encouraging online zakat payment. Zakat institutions can enhance their online payment platforms based on the identified factors. Zakat contributors can make informed decisions about online zakat payment using these insights. Academics can further develop theories and models of online zakat payment based on the study's findings. This study provides recommendations and acknowledges its limitations, offering valuable insights for future researchers interested in exploring this topic further. - Some of the metrics are blocked by yourconsent settings
Publication Private Retirement Savings Behaviour among the Private Sectors Employees: A Preliminary Evidence(Universiti Sains Islam Malaysian, 2021-07) ;Haneffa Muchlis GazaliAmer Azlan Abdul Jamal - Some of the metrics are blocked by yourconsent settings
Publication The Product Range Conceptualization For Islamic SME Financing(Labuan Faculty of International Finance, Universiti Malaysia Sabah, 2021) ;Ahmad Aizuddin Hamzah ;Norhazlina Binti Ibrahim ;Amir Shaharuddin ;Sumaiyah Abd AzizHaneffa Muchlis GazaliThe SME sector is the most critical client for bank financing, particularly in commercial business banking. A dual banking system in which Islamic and conventional financial institutions coexist makes the financial market more competitive. To ensure that Islamic financial products and services can compete with the existing market, Islamic banking management must ensure that its services, particularly in the SME sector, have a place. Knowing the banking product preferences of those firms is one of the steps that should be taken. As a result, this study will develop a conceptual framework for the product range of Islamic banking products to investigate the SME owner's preference for Islamic SME financing. The product range of this range will be strengthened further with the theoretical support of planned behavior from the Managerial perspective among SMEs.